Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Application denied

On XX/XX/2022 I applied for HomeDepot XXXX XXXX  card, Immediately after submitting application on the screen stating to give them a call. I called their new account and spoke to a young lady by the name of XXXX, I had to verify my identity with her over the phone and then she placed me on hold. She came back after a 5 minute hold and stated to me I was declined because they couldn't verify my identity due to a extended fraud alert. I reply I never requested an alert and I can verify anything that needed. She stated that I need to contact XXXX and to give her a call back once I get it removed and resolved. I did just that after being one the calm with XXXX for XXXX, it was confirmed remove. Immediately tried to contact the number that was on the reference screen however kept getting a error stating I was deny and I will get a letter in the mail. At this point, I'm very upset and disappoint because my credit is my life and I pay all of my bills on time and my credit is over XXXX. Finally calling 3 different numbers, I was able to speak to a rep by name of XXXX who tried to help me. She stated that the alert was still on my credit and she needed to pull my report again. Waited on hold for 15b minutes then she cam back and saying there's and issue with my address. Going back and forth with no solutions. She stated that she needed to pull my XXXX report which is 3 pulls in less than 2 hours for 1 application which is unlawful and now she comes back and say its decline for no reason. I spoke to a XXXX XXXXHK manager which was very rude and stated that she can't give me a reason of denial. She stated the credit bureaus declined me which is a lie not truthful. All consumers have open end credit and should not be denial. I feel like I was discriminated from able to getting credit with HomeDepot pro which is unlawful. XXXX being on a phone and getting deny to no reason and to get very bad customer service is not acceptable. I'm demanding this matter be escalated.
Complaint sub-issue: Other problem

I received an airline credit to my credit card account on XX/XX/2020 in the amount of {$11000.00}. I did not owe a balance due so I contacted Citibank on XX/XX/XXXX to request a refund of my {$11000.00} credit balance. I was told I would get the refund deposited to my checking account in three to five business days. It did not arrive. On XX/XX/XXXX I checked on the status and was told it would take yet another three to five business days. I have contacted Citibank numerous times to include on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called, I have " chatted '' with a representative and have sent emails to the Customer Service executive ( XXXX XXXX ). It is now XX/XX/XXXX and I still have not gotten any of the amount due to me and no one can or will give me a definitive answer as to the payment date. They have held my money for over three weeks now and seem to have no incentive to make the payment to me!
Complaint sub-issue: Debt resulted from identity theft

This account was open in my name without my consent. I am not responsible for this account.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My minor child made unauthorized charges to my credit card without my consent, he is mentally XXXX and said he was not aware he was making these charges. My credit card company Citi, has denied the claim. I have spoken to XXXX XXXX and XXXX XXXX from citi, I told them I would provide any documentation stating my sons mental condition, but to no avail. I am a widow working a full time job with XXXX  young children. unfortunately my children aren't always under adult supervision, and therefore was easy to get ahold of my card. I have also spoken with XXXX and was told to speak with my credit card company, that they would be able to help me.so I have exhausted all efforts. These are the dates and charges made to XXXX. 
XX/XX/2018 {$26.00} XX/XX/2018 {$23.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$9.00} XX/XX/2018 {$5.00} XX/XX/2018 {$26.00}XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$5.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$37.00} XX/XX/2018 {$100.00} XX/XX/2018 {$10.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$100.00} XX/XX/2018 {$64.00} XX/XX/2018 {$80.00} XX/XX/2018 {$100.00} XX/XX/2018 {$100.00} XX/XX/2018 {$39.00} XX/XX/2018 XXXXXX/XX/2018 XXXX Totaling charges {$1500.00} If you can please help with this matter it would be greatly appreciated. Thank you.
Complaint sub-issue: Account information incorrect

In applying for a home equity line Equifax informed lender I had too many new credit accounts opened in the last 12 months. 
This is incorrect. 
Equifax also claimed I had too many credit inquiries also incorrect. 
This lowered my score. 
Further Equifax alleged I had too many revolving credit lines with to high balances.These revolving lines like XXXX XXXX are paid off every month for the last 37 years.I use XXXX XXXX to pay most of my bills including phone bill and some business bills.
Complaint sub-issue: Information belongs to someone else

I have reached out to your office about fraud on my credit report. I am still seeing things on my credit that should not be there because they are not my accounts or credit cards. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX they refused to remove these accounts because the are old and they been on my report since XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE SENT CERTIFIED LETTERS TO EQUIFAX TWICE IN REGARDS TO THESE INQUIRIES EQUIFAX MORTGAGE SERVICE- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX AND XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX   - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX AND XXXX AND THEY KEEP TELLING ME THEY ARE A FACTUAL I SENT IN A IDENTITY THIEF AFFADAVIT AND THEY HAVE STILL IGNORED ME WITH THE AMOUNT OF IDENTITY THIEF THEY KNOW BETTER ALL THEY DO IS SEND THIS INFORMATION SOME WHERE IN ANOTHER COUNTRY AND THEY NEVER READ OR INVESTIGATE ANYTHING HOW WOULD THEY FEEL IF THE SAME THING WAS DONE TO THEM THEY ARE IN VIOLATION OF THE FCRA THEY ARE SO CROOKED
Complaint sub-issue: Company closed your account

Ally just closed my savings and checking accounts for no reason. 

I got a letter today from Ally saying they've made the " business decision '' to close all my accounts without without giving me any real answer. Just that they " have the right to do so ''. Confused, I called them up and they basically repeated what was on the letter, with the reason being that they can close any account for any reason at any time and no additional info. 

How can I figure out what the real reason for my account closure was? I think I'm a pretty standard customer, I don't do anything weird with my accounts. I have over {$6000.00} in funds remaining in the account. I owe NO fees or fines, and never have in the past and this is the only account I've used. They just ... closed my account without explanation? What was the real incentive?
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2020 i s

tarted a dispute regarding to incorrect information been report on my credit report with follow up letters none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. please see attached all the letters i sent to this company Thank you!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

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 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  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Banking errors

Someone made a fake check ( not even my checks or check number ) for almost XXXX and the bank cashed their check taking the money out of my account. The person that made the fake check didn't even sign my name to the check, but someone not even listed as an account holder. 

The bank after I notified them said that I needed to submit an notarized account of what happened and they would return the money they LET because of their incompetency steal from my account that same day. I sent them said form notarized and they received it as they emailed me back stating so. I also talked to the fraud department XXXX times and was assured that the money would be in my account. 

It has been since last week and is still not in my account. When I call and leave messages as I was instructed to do by the fraud dept. for help, no one answers or calls me back. 

I want my money back as it is CLEAR that someone from their bank stole this money from me using my information. There is no way anyone outside the bank would know that they could cash that large of a check against my account! Also the bank cashed the check and didn't even look at who signed it on the face and that it wasn't even an account holders name! Nor was it my checks!!!
Complaint sub-issue: Received bad information about your loan

I am currently enrolled in Public Service Loan Forgiveness Program via FedLoans and I have been trying for over 2 years to get an accurate count of my payments that count toward forgiveness and have been unable to achieve this with the company. I have been unable to get consistent answers on what payments they are counting and why the payments that should count are not.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have received 3 calls so far at my place of employment regarding an outstanding debt. I have told them each time to please quit calling my work and send information to my address which they already have. <P/>The place is called Global Solutions and their number is XXXX. I have also noted on my phone at work that they have called several times when I was away from my desk and did not answer.
Complaint sub-issue: Information belongs to someone else

The information on my report that was removed that keeps coming back up is INSANE!! XXXX finally reported on XX/XX/XXXX that they removed it and then on XX/XX/XXXX put it back on there!!! Same thing goes for the XXXX XXXX XXXX account. I have attached the evidence! I am SICK OF THIS NONSENSE!!! THEY KEEP SAYING FOR ME TO PAY MY BILLS ON TIME YET I HAVE ZERO DELINQUENT ACCOUNTS AND 100 % PAYMENT HISTORY! I have already filed complaints regarding XXXX and XXXX with the FTC for fraud.
Complaint sub-issue: Public record information inaccurate

I recently leased a XXXX XXXX from XXXX XXXX in XXXX NH. ( XXXX XXXX XXXX ) The dealership did a hard pull of my credit. That was fine, then before I selected a vehicle they did another hard pull of my credit through XXXX XXXX. XXXX  uses an agency called " SageStream LLC '' ( XXXX XXXX XXXX ). SageStream reported a score of XXXX. The dealership than went to XXXX XXXX XXXX and through XXXX my score was XXXX. I have my truck and I'm happy with it. 
However attempting to contact SageStream has been difficult. I used their online dispute form two months ago, nothing. I called their customer service number multiple times, and nobody ever answers. I left three detailed messages ; they claim to get back withing a day. That has not happened. 

Please Help
Complaint sub-issue: Investigation took more than 30 days

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.
Complaint sub-issue: Other problem getting your report or credit score

ive tried to access my yearly credit report with equifax and it will never allow me to do it ... i have to submit via reular mail ... .i just disputed a credit card error and i couldnt access it by regular channels, i had to use their special web email ... ..i have the response back in an email but when i try to access it im declined access ... ..today i tried calling was on the phone for 30 minutes with 2 different agents with no luck..i was transferred to the supervisor who promptly hung up and didnt call bacl..i need help with this .... ( i explained i was in the car and they were asking about every one of my 18 credit cards ... .... )
Complaint sub-issue: Old information reappears or never goes away

In XXXX, XXXX, I entered a written dispute with XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number XXXX ( balance reported - {$11000.00} ) as contained on my consumer credit profile at Equifax, XXXX and XXXX XXXX. Specifically alleged, XXXXXXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. XXXXXXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state Division of Financial Services in Florida indicates that XXXXXXXX XXXX XXXX XXXXXXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to XXXXXXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

After removing a false collections claim from I.C Systems from XXXX and XXXX, XXXX has now started showing a collections debt on my report. My parents received a letter at their house in XXXX ( I live in XXXX  ) that I had a debt to XXXX and if it wasn't paid by XXXX XX/XX/2022 it was going to collections. 

I called XXXX and paid immediately. On XX/XX/2022. A whole month before IC Systems deadline. I have sent XXXX on XXXX separate occasions proof of payment and that the collections claim is false, but they come back with it being verified each time. IC Systems is falsely reporting this debt and it is negatively effecting my life. 

I called XXXX after the first time this hit my credit report, and they claimed they had not yet sent the letter that the debt had been paid to I.C Systems, but would. However it would take 60 days for it to reach IC systems, this was on XX/XX/2022, it is now XX/XX/2022. 

I will note that the nature of the debt was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you will see on the statement credit of XXXXXXXX XXXX XXXXXXXX informed me if the missing XXXX XXXX were returned they would refund the XXXX I paid to them, which they did. 

Like with XXXX, I will be willing to involve a lawyer if necessary. This is a bogus debt collection.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting incorrectly on the XXXXT partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor in the past, have ever had a XXXX XXXX credit card. This account is reporting in error and needs to be removed from my credit report. I have also attached a copy of the Identity Theft Report I filed with the Federal Trade Commission. I have not applied for, nor ever given permission to anyone to open this credit card. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.
Complaint sub-issue: Account status incorrect

In XX/XX/2018 I used points to redeem a credit on my XXXX XXXX credit card to get ahead of my balance. Once I did this XXXX XXXX took me off auto pay without notification or authorization. This caused me to miss my XXXX and XXXX payments before I discovered it. The payments were immediately rectified from my end, but XXXX XXXX refused to correct the status of my account. This has led to a drop in my credit score over 80 points in the last 2 weeks. I have submitted disputes with XXXX XXXX, Equifax, XXXX  and a complaint to the XXXX. XXXX XXXX has reached out twice since I submitted the XXXX  complaint but my case worker is not available when I call back. Messages have been left and I tried talking to other employees who told me they would notify her I called her back. XXXX XXXX needs to be held responsible for their unethical actions. They have thrown my current job search into chaos and I am having to explain their unethical business practices to everyone I am interviewing with.
Complaint sub-issue: Problem with balance transfer

We use square as a point-of-sale system in our business. Last year they tried to hold 20 % of all our credit card transactions in what they call their reserve program. I was able to call them and get this issue resolved. This year, during our busy time they did the same thing. Only now they won't release the money after repeated attempts. We have a history with them of over 2 years. Probably closer to 3 years. We have never had a charge back XXXX time. Not once. Now they are holding over XXXX of our money and earning interest on OUR money. We have switched from their service to clover, but we want our funds released now. Those were our sales, not theirs. I can't get anyone from the company to call me back. I asked them how much money we needed to have in our bank account for them to release the funds and they will not answer that question either.
Complaint sub-issue: Threatened to sue you for very old debt

I have been getting robot calls from a company that states that I have a XXXX debt with Cit Bank. This is untrue and I have disputed this. This card was opened illegally in 2011. Yesterday the calls began. I had a conversation with 5 people who after I identified myself and denied the debt, we would get disconnected. XXXX XXXX. 

Today the calls have started back up. When I call they hang up. I left two messages. The last message stated that I just needed information. It seems that they would talk and explain. The number that calls is XXXX ( XXXX ) XXXX. 

Thanks for your attention on this.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  – partial account number XXXX.  (Please see pages 12 and 13 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User and I have contacted the bureaus to fix this however, I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Information is not mine

Under the Fair Credit Reporting Act I am entitled to dispute information that I find to not be accurate - especially information that is lowering my credit score and thus putting a financial burden on me. I am a victim of identity theft. I have previously discussed this identity theft with XXXX Equifax and XXXX. I disputed the information that resulted due to the identity theft with all XXXX credit reporting agencies and Equifax is the only XXXX of the XXXX that gave me any issues. Equifax recently responded to my dispute regarding inquires telling me that they were a fact and that I would have to address each individual inquiry with the company that inquired. Several of the companies did not respond and I later was told by XXXX of the companies that it is Equifax 's duty under the FCRA to dispute everything, including inquiries if I provide them with documentation of the identity theft which I have done NUMEROUS times. I have attached a letter from XXXX detailing my identity theft which includes a number for Equifax to call should they have any questions as well as photo ID and proof of residency. The inquiries are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies 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 Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX All Banks 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 Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Mail Order Firms XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX.
Complaint sub-issue: Account information incorrect

15 U.S. Code 1681b they must follow consumer laws!!