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

I signed up for a XXXX XXXX new card after trying to make a purchase using my old acct there ... .i was informed that the old account in approx. XX/XX/XXXX would not allow the workers to make a purchase on my acct. XXXX the store representatives at the XXXX XXXX Mall, NY got my information and opened up a new XXXX XXXX credit card for me in which i never got the card in the mail or the account number ( although the store employees indicated that i would receive my new account and card in the mail ... .I was recently told that XXXX XXXX XXXX took over the billing for XXXX XXXX XXXX ... ..my account was paid to be interest free in which the representative at XXXX customer service collections office by the name of XXXX informed me that she did not know the percentage of payment amount that i had to pay to receive the interest free ... .she could not see the purchases i made ... my interest free ends in XX/XX/XXXX yet i am being charged as if this account is not interest free ... ... the representative XXXX could not even tell me what purchases i made the company is very unorganized nor could the store employees tell me what purchases i made in the event i would like to return an item ... ..this negligents in keeping a the aformentioned {$800.00} credit limit account open when i could not purchase anything on it and requested that it be closed in XX/XX/XXXX is irresponsible and hurt my credit score the account was just closed after i demanded it to be ... ..complaint to the store again over the phone on its XXXX customer service number ... ..i was given a number to the parent organizaation of XXXX by the representative XXXX to file a complaint although she told me she could take a complaint at XXXX XXXX XXXX - about their billing ... the lady was rude asking me the same questions over again when the stores representatives told me that i had 1 year interest free before i would be billed which was not true ... ... ... ..doing so hurt my credit score although i have made payments ... .i have not gotten one bill or a credit card on the 2nd account XXXX approved for {$6000.00} ... ..this business has behaved shady and unscruppolous who issues credit refuses to give the customer a credit card or bill and keeps open a dormant account after the customer requested it to be closed yet they continue to send a new card for the dormant account not the higher interest rate account ... i have not received one bill ... ..they should be sanctioned ... .when i go into the store or call the store reps can not tell me what i purchased or all of my payments made in the store ... ... please remove all the deragotory stuff off of my credit report by this company ... i will never make another purchase there ever
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the Equifax Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new  ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Plus there are about 1000 soft inquries
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have disputed errors and inaccuracies on my credit report via Equifax 's online disputing service on several occasions over the past few months and they have yet to be removed. I decided to actually call today, XX/XX/22 at XXXX and spoke with a representative by the name of XXXX XXXX # XXXX from Equifax XXXX XXXX refused to further investigate the inaccuracies I reported that I have already previously disputed. She also refused to transfer the call to a higher representative such as a manager or supervisor or a colleague to better assist me. She told me she could not transfer the call, but I could hang up and call back. XXXX was unfortunately rude and did not perform her duty in a respectful manner, after so long she hung up. I called back at XXXX and spoke with a male representative whose name and associate number I did not get. I told him my issue and before I could finish he immediately began giving me a similar script XXXX did and the phone went silent. I am assuming XXXX was in the background coaching him, he then came back on the line and proceeded to transfer the call as I had asked to be transferred to someone higher than him. I waited on hold for about 30 minutes and the call proceeded to be disconnected on their end. I am not getting any help from the company and it is hindering my credit acquisition.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act These Accounts have violated my rights. 

XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX date opened XXXX  XXXX XXXX. XXXX XXXX date opened XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX. credit limit XXXX XXXX XXXX XXXX XXXX. XXXX credit limit XXXX XXXX XXXX  XXXX XXXX. XXXX credit limit 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 US DEPT OF EDXXXX. XXXX {$6800.00} US DEPT OF EDXXXX. XXXX {$99000.00} US DEPT OF EDXXXX XXXX XXXX. {$17000.00} US DEPT OF EDXXXX XXXX XXXX {$27000.00} US DEPT OF EDXXXX XXXX {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.
Complaint sub-issue: Account information incorrect

All 3 major credit bureaus are reporting serious errors on my credit file and refuse to fix it and refuse to provide proof that it is valid. 
YOU are reporting an XXXX XXXX XXXX account with current lates on it. I have never been late, it comes out of my check and I have had the same job forever! 
-They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. XXXX XXXX is NOT valid verification. 

I have been trying to reach them for months and called them 32 times! I have sent emails and left messages. They will not ever get back to me. 
They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. You are in violation of the FCRA and I demand you fix this immediately.
Complaint sub-issue: Information belongs to someone else

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX BANK These accounts and inquiries are fraudulent , unverifiable , and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written a uthorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Information is not mine

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

After I returned my leased car with US Bank on XX/XX/2018, I was charged {$370.00} for a missing key fob. It's for a XXXX XXXX XXXX XXXX contacted XXXX and was told that it'd cost {$230.00} to replace a key fob including programming. I then contacted US Bank to ask them to explain the discrepancy. The representative told me that's the " market pricing '' for key fob replacement but couldn't explain what exactly the market pricing was based on. It sounds to me they are making a profit of {$140.00} off that single key fob, assuming they are paying the the price that XXXX quoted me.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Complaint sub-issue: Debt is not yours

I have no knowledge of this collection I pulled my credit fill and this and this collection was listed.
Complaint sub-issue: Information belongs to someone else

I have sent multiple letters disputing the validity of this account being mine and requested CITI to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from CITI after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX XXXX CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

CITI states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with CITI from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up CITI because I NEVER had a CITI account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to XXXX, XXXX, and XXXX, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with CITI, nor have I ever had an account with CITI. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to XXXX, XXXX, and XXXX, along with any negative remarks associated with CITI, as it is severely damaging my credit file. I also request to cease & desist all communication with CITI, written and/or telecommunication.
Complaint sub-issue: Information belongs to someone else

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. PLEASE SEE ATTACHEMENTS
Complaint sub-issue: Card opened as result of identity theft or fraud

Received letter dated XX/XX/XXXX for Best Buy Credit Services. The letter is in XXXX so I can't read it. I have not made a purchase with Best Buy since XXXX so I'm concerned about fraud. I called Best Buy and was passed around and no one could help me. 

I have had other identity theft issues since last XX/XX/XXXX. 
The reference number on the letter is XXXX Thank you, XXXX XXXX
Complaint sub-issue: Debt is not yours

I sent the collection company three letters of validations regarding this, pursuant to 15 USC 1692G SEC. 809 ( B ) of the FDCPA. They have refused the certified letters the three times. I called over the phone and also requested a validation letter. They have not done so. 
They damaged my credit and the longer they don't respond, the longer my credit is being damaged.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX, ERC ( Original Creditor : XXXX XXXX ), and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ERC ( Original Creditor : XXXX XXXX ), and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX you responded to my last complaint and stated that two XXXX XXXX accounts XXXX, XXXX and XXXX XXXX account XXXX had been deleted per my complaint on XX/XX/XXXX but as of XXXX XXXX I still show these accounts reporting. Please DELETE IMMEDIATELY
Complaint sub-issue: Information belongs to someone else

There is a student loan on my credit report that does not belong to me. The loan was taken out in my name on XX/XX/2019, U.S. Department of Ed/XXXX for a total of XXXX in a school in XXXX Wisconsin. In a state I have never lived in or gone to school in.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been a Citibank credit card customer ( almost exclusively ) for 28.5 years. I asked them to change my credit card from the XXXX XXXX Platinum card ( I'm no longer a fan of XXXX XXXX ) to a normal, cash-back card. However, they CLOSED my account of 28.5 years and opened a NEW account ( no credit history ) which immediately caused my credit score to drop from XXXX ( excellent ) down to XXXX ( 40 points ) while I am getting approved for a $ XXXX refi of mortgages. Because of the credit score change, this will translate to about $ XXXX/month in ADDITIONAL cost to me. I contacted them to explain the situation and re-open the account. They told me there was a process to re-open ( including a credit check ) and I told them NOT to check my credit again ( as it will drop further ) and they agreed not to. I was talking to " XXXX '' a supervisor in Arizona. When we discussed the situation in detail, he actually explained to me that it was a BANKING mistake ( not a customer mistake ) and because of that, they WILL NOT check my credit. AGAIN, XXXX, A SUPERVISOR SAID THIS WAS A BANKING MISTAKE. NOT MINE. He said he will submit the request to re-open the account and I should hear in 24-48 hours. However, the next morning, I was notified that Citi DID check my credit!!! I have followed up by phone, chat an even in person at a Citi branch ( spoke to the Branch Manager for over an hour ... and she had customer service on the phone ) and all I have been told is to " wait '' to see if they will re-open the account. No one can provide ANY answer or update. They just say I have to wait ( even though I was told 24-48 hours, weeks ago ). WEEKS later ( even though I have emailed and called almost daily ) I got a form letter that said they won't re-open my account. No explanation. No discussion or human interaction. Just a form letter " decline '' after 28.5 years and THEIR mistake. Now, I have to rebuild my credit ( and not be able to refi a $ XXXX mortgage because it now doesn't make sense ) because of THEIR mistake. Now, due to coronavirus response ( which is, of course, a priority ) I can't get ANYONE to even answer the phone.
Complaint sub-issue: Don't agree with fees charged

I obtained a total of {$31000.00} in federally backed student loans thru XXXX when I graduated. The loans grew to a total of {$41000.00} by XXXX. In XXXX, I consolidated the loans for a total of {$31000.00} at 8 % interest over 186 months ( 15.5 years ), with lower interest rates after XXXX on-time payments. Automatic payments of {$260.00} started in XXXX and steadily rose to {$280.00} by XXXX. These payments have been deducted from my bank account continuously through today, XXXX/XXXX/XXXX. After 10 years of solid on-time payments, I went to check on the remaining balance so I could pay off the loan. After 10 years of payments on a 15 year loan, the balance should be minimal. I was horrified to discover that the remaining balance on my loan remains at {$26000.00}, with an expected date of XXXX for payoff! And, they have considered the loan delinquent for that 10 year period. After 10 years of monthly payments, only {$5000.00} has been applied to the principal. On an original loan of {$31000.00}, I have paid a total of {$87000.00} : {$52000.00} in principal and {$33000.00} in interest!! How is that possible? How does a 15.5 year loan turn into a 30 year loan? I 'm retiring in XXXX and will still owe student loans even after paying on them for my entire working career. I 've borrowed the same amount of money for a vehicle and that amount was paid off in four years. If this continues at this pace, I will pay AES more than four times the amount of the original loan far beyond the original 15.5 year payment plan. I have paid over {$200.00} a month in interest alone over 10 years, with that amount only reduced slightly to {$170.00} a month. AES refuses to explain the process or discuss an audit of my account to account for all the monies paid. AES needs to explain how this happened, how my payments were applied, why the principal balance has not dropped, and why I will pay almost 30 years on a 15 year loan. Complaints about this very process are numerous and easily found on the internet. AES should be held accountable for their dirty business practices and unethical behavior. Students will never " get ahead '' or experience the American Dream as long as companies like AES can continue to operate in this manner.
Complaint sub-issue: Old information reappears or never goes away

This accounts were deleted form my credit report in XXXX. It has been readded on credit report in XXXX. I have disputed this account as not mines. I have also provided a FTC ID theft form on this account. This is not a charge off. 

1. XXXX XXXX XXXX XXXX {$4100.00} Closed
Complaint sub-issue: Their investigation did not fix an error on your report

In  XXXX  o f 2016 I   XXXX   XXXX  notified  XXXX ,  XXXX , and EQUIFAX they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims.  XXXX ,  XXXX , & EQUIFAX refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are debt collectors.
Complaint sub-issue: Didn't receive enough information to verify debt

Beware of a BEST BUY CREDIT CARD!!!!!!! The problem I have is they will not send me any letters about the debt. They say they can not give me a letter stating that I am willing to go on a payment plan with them. They stated they will send me a letter giving me the amount that is due, but nothing else. I have called and asked for the letter twice and have not received any information within the time it was suppose to come ( 10 business days ). I have called several times requesting to speak to a supervisor and is advised the same thing. It is currently being negatively reported on my credit.
Complaint sub-issue: Debt was result of identity theft

This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and JEFFERSON CAPITAL SYST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, and JEFFERSON CAPITAL SYST with no successful resolution. There was definitely an error on their part.