Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

On XX/XX/2018 I went to the XXXX, CT ( XXXX ) branch of Key Bank where I was a customer for a number of years. I needed to close my accounts and was assisted by one of their tellers in this. She was able to successfully close my checking account and give me a check for the balance, but when she attempted to do the same with my savings account, which had a balance of about {$11000.00}, a " computer issue '' occurred. It was unclear what this issue was, only that she was " locked out '' of the system. She called Key Bank 's helpline for assistance and after an hour was unable to make any progress towards closing the account and cutting me the check. I needed to leave the branch due to a commitment but was assured that she would continue to work on the issue and call me that afternoon. I was not contacted and called the bank myself on XX/XX/2018 to ask what was happening. They informed me that the teller who assisted me in closing the accounts was no longer employed by Key Bank and that the manager was investigating what had happened to my funds. My account has been closed ( this is shown by my online banking app ) but I have received no funds. I have contacted the bank again and have been given no answers, no updates beyond " we are working on it. '' At this time I feel suspicious of what has happened, especially as the employee in question is no longer working there. I can not understand why I have not been given my money, as it has now been 3 weeks since closing.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report
Complaint sub-issue: Received bad information about your loan

I consolidated all my federal student loans XX/XX/2010 and entered into an income based repayment plan with payments beginning XX/XX/2010. I have submitted employer verification forms certifying I have been working for either non-profits or a government agency since then. FedLoan Servicing initially denied 5 months as eligible The reasons given for the payments being ineligible are inaccurate ( FedLoan stated they did not receive payment for a month even though I am enrolled in auto-debit and my bank statement clearly shows they withdrew the funds from my account, another month was claimed to be in forbearance even though I never applied or requested that, and the initial 3 months of payments were through XXXX with no record that they were in the Income Based Repayment Plan ). FedLoan has been " reviewing '' 5 payments for over two years. When I call to ask for a status I'm told they need " ample '' time to review and there is no timeline for completing the review.
Complaint sub-issue: Account status incorrect

Equifax should not be reporting me as an authorized user on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$27000.00}
Complaint sub-issue: Trouble with how payments are being handled

The last three months of XXXX ( XXXX, XXXX, XXXX ) & first three months of XXXX ( XXXX, XXXX, XXXX ) I was never informed of having to begin paying back my loan. I never received any email, phone call or mail informing me of repayment date. I reached out to try & resolve this matter, but I never have been able to get any help and gave me these late payments. I now can not get approved for a mortgage because of this mark on my credit and the lender can not help me with this unfair situation.
Complaint sub-issue: Information belongs to someone else

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, I have doubts about the accuracy and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXX XXXX XXXX XXXX .... Balance : -
Complaint sub-issue: Information is not mine

I am XXXX and have applied for verses financial loans which have been declined because of incorrect information reported on my credit report, such as delinquencies, derogatory reports, and collections which not correct. I have many accounts placed on my credit report, that are not mine which I have disputed many times. This report is Equifax based out of XXXX Ga., address XXXX Ga XXXX. I would appreciate a full investigation with an identity theft inqiuryXXXX XXXXXXXX XXXX PA XXXXXXXXXXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I have a hard inquiry on my credit report from Credit Plus on XX/XX/2018. On the credit report there is no contact information provided by the company and I have no record of reaching out to Credit Plus for an inquiry.
Complaint sub-issue: Problem with rewards from credit card

Initially made a late payment in XXXX due to moving homes and missing due date. For XXXX bill, I sent a check on XX/XX/XXXX to cover the bill for that month well in advance of due date. However, due to mail delays it was not received on time by Citi. I called Citi directly over the phone, after receiving notification and paid the Bill directly.

However, the check that I sent I was instructed by Citi and my own bank to put a stop payment and cancel the check which I subsequently did. However, on receipt of the check on XXXX Citi attempted to deposit the check but was likely rejected. I made multiple large purchases through XX/XX/XXXX and on XX/XX/XXXX when I attempted to pay for gas my card was declined. 

I called citi to remedy this and they notified me they had sent a letter cancelling our account. This letter has never been received and not sure how they could have sent this letter out notifying us while still allowing us to make purchases on the card.

Regardless, I accepted the closure of our card but we had almost XXXX XXXX+ left in earned cash back that I had not utilized. I called Citi directly, a manager agreed to send a check for this balance initially. A week to 10 days later I received notice that they are formally refusing to pay out my cash rewards balance or put it towards my final month balance.

This is unfair and dishonest behavior, I did everything to try to remedy the situations which were complicated by COVID-19 related mailing issues. My own bank informed this same issue was happening to many individuals mailing credit payments. 

I would like to formally file a complaint requesting remittance of my earned cash back credits. It is completely dishonest behavior by Citi to give me no option to use this before closing my account and it is malicious at best. 

Thank you for your time and assistance
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX  XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX XXXXXXXX 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.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2021, I received a notification from XXXX  regarding a collection on my credit report. After reviewing the report I saw that a collection agency name Enhanced Recovery CO L placed a fraud account on my credit file. I have notified XXXX XXXX XXXX from 2 years ago that this account does not belong to me. I have submitted several fraud documents and sent back to XXXX XXXX XXXX regarding this account. I call ENHANCED RECOVERY CO L and spoke with a gentle man who said his name was XXXX XXXX ID number XXXX. I explain to him that this account was a fraud account and they need to removed it from my credit file. XXXX XXXX stated that they will not removed it nor with they validate the account. Federal law gives you the right to request a debt collector provide proof that you owe a debt. 2 It's the best way to ensure that you're not paying a debt you don't owe or a debt that the collector isn't authorized to collect on. ENHANCED RECOVERY CO L employee XXXX XXXX does not seems to feel that way. I am requesting ENHANCED RECOVERY CO L to immediately removed the fraud account from my credit file.
Complaint sub-issue: Reporting company used your report improperly

Just refinanced home IN XXXX 2017. Other companies keep on calling to refinance with them. Checked my credit report on XXXX XXXX, 2017 without my permission.
Complaint sub-issue: Information belongs to someone else

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted to Carvana with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. A formal dispute of this inquiry was submitted to Carvana XX/XX/XXXX however as of this date, Carvana has failed to reply to the status of this dispute. This is a violation of the FCRA and my clients federal consumer rights.
Complaint sub-issue: Other problem

Bloomingdales signed me up for their American Express card without my consent. When I called to tell them I had never signed up for the card ( assuming it was fraud ) they informed me that they had sent me a letter informing me that I would need to opt out of being signed up and that since I hadnt replied they took it as positive confirmation I wanted the card. I never received that letter ( or maybe it just looked like junk mail ) but regardless how is it possible that I would need to opt out of signing up for a credit card? Sounds like they have ex-XXXX XXXX employees running things over there.
Complaint sub-issue: Information is not mine

My personal information was compromised. I receieved a letter from XXXX letting me know my was XXXX of the acccounts with identity theft. I am working along with XXXX to restore.
Complaint sub-issue: Old information reappears or never goes away

Equifax has reinserted information on my credit report that was not investigated nor validated. As I explained in previous complaints I am not a resident of Ohio, I do not own property in Ohio, I am a Nevadian, a resident of Nevada and has been so for almost 10 years. XXXX XXXX  has been reinserted when it does not belong to me, I have sent equifax my XXXX XXXX file whom equifax gets there information from which is a third party whom is not THE ORIGINAL FURNISHER! When investigating or validation the ORIGINAL FURNISHER is the only one that can validate a account. These third party companies does not qualify for disputes. I have sent in numerous documentation meaning passport, utility bill, XXXX XXXX credit file, and method of verification letters asking for documentation and equifax refuse to send the information requested. I continuously have disputed unauthorized inquiries and accounts an equifax removes everything that I did not dispute. Equifax has removed accounts that is in fact MY accounts that I did not have on the dispute making my credit and score look horrible. This ongoing situation has to stop immediately! I have seeked legal consumer representation and I will not stand for the Pre-made letters that equifax keeps sending to my home. I have built a paper trail and I send my disputes certified for a reason so if I have to sue equifax I will have all my certified documentation. THE ONLY ACCOUNTS THAT SHOULD BE ON MY CREDIT REPORT ARE : XXXX XXXX, XXXX  XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX. I HAVE LIVED HERE SINCE XX/XX/XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NEVADA XXXX, MY JOB IS XXXX AND HAS BEEN SINCE XX/XX/XXXX AND MY OTHER JOB IS XXXX. I AM NOT A HOME OWNER NOR DO I RESIDE OHIO.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the XXXX XXXX XXXX XXXX  seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under XXXX XXXX code XXXX and XXXX XXXX code XXXX ( b ) ( XXXX ). 
I am aware that they each have XXXX days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( XXXX ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Complaint sub-issue: Account terms

The credit report is showing my credit card debt as being very high, I have paid most of the credit cards off now over a month ago. I need my credit score to be shown accurately.
Complaint sub-issue: Problem with fees

I don't know why I was charged a {$43.00} charge in XXXX and a subsequent {$2.00} fee in XXXX, 2023
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX # XXXX, 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
Complaint sub-issue: Debt is not yours

Americollect has account on my credit that not mine/inaccurate/fraud
Complaint sub-issue: Investigation took too long

I sent this letter on XX/XX/XXXX, but I have not yet received a response.
Complaint sub-issue: Investigation took more than 30 days

Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/XXXX Today is XX/XX/XXXX and I have not received no response back from the credit bureau.
Complaint sub-issue: Debt is not mine

My husband had a XXXX bill that he never received a bill for ( and assumed insurance had paid for so was not aware that it existed ) and the debt was accrued before he married me. However the collection company ( CBB Collections of Billings ) served him with papers to try to collect the debt. He went in to the collector company made a payment and made payment arrangements. However a week and a half layer the sent me papers as well. I 'm not sure if my complaint is light and perhaps they have every right to do this. But it is extremely frustrating when your an honest person and no one cares when u try to make it right.
Complaint sub-issue: Information is missing that should be on the report

Applied for a new Credit Card with Best Buys ( Citibank , N.A . ) and they never disclosed a {$59.00} annual fee prior to the card approval. I cancelled the card at the checkout register and never received or used the card. 

A letter was sent to me on X/XX/2017 Ref # XXXX stating I was approved the a " My Best Buy Visa Gold Account '', and that the card would be arriving in several days. The letter also goes on to say I was evaluated for 2 other cards, and I was declined do to " Insufficient Credit Experience '' I am looking to have my good and long credit history and score remain intact, and the lack of the disclosure for the {$59.00} annual fee was material in my canceling ( a lack of disclosure until after account was opened ). The lack of terms disclosure was irresponsible, and effected my credit score negatively, through no fault of my own. 

Furthermore, the XXXX credit information is obviously in error when they state I have insufficient credit experience, as indicated in a letter sent by Best Buy on X/XX/2017 Ref # XXXX. I currently have several other credit accounts in very high standing, and have a good credit history that spans decades. 

Please feel free to contact me directly by phone at ( XXXX ) XXXX, or by email at XXXX if you have any questions, or need any further information. Thank you for your help!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the data last if the open date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S. C 1681 SECTON 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 account without my written instructions.

Also the credit bureaus took more then 30days to complete my investigation here is my certified mail tracking.
Complaint sub-issue: Threatened or suggested your credit would be damaged

In response to Complaint # XXXX : If it is to be assumed that I.C. System was given consent to have my identifying information, then according to 15 USC 1692g, you were required by law to communicate with me before a report is furnished. If this is true, please provide the proper documentation such as a tracking number that shows correspondence was sent before furnishing commenced on XX/XX/XXXX. 

You admitted, " The account information IC System furnished to the credit reporting agencies was provided by the original creditor and has been verified by the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ", while omitting the credit reporting agencies used XXXX to verify information through I.C. System on those 6 different occasions. This admission is proof that I.C. System is committing aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

If I.C. System can not produce documentary evidence, such as a trilateral contract, of your claim that there is any legal obligation to pay you and if collection efforts continue I will file for litigation for actual damages caused and hold I.C. System criminally liable as well.
Complaint sub-issue: Debt is not yours

To whom it may concern, Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 
And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. I never read any medical care from this company. This debt does NOT belong to me as well.
Complaint sub-issue: Information belongs to someone else

Ive sent letters off and receipt confirmation on XX/XX/2022 From Equifax. Here is my United State Postal article # XXXX and received confirmation from XXXX XXXX, confirming Equifax did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 AND I did not give anyone written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted this company on XX/XX/2021 regarding an issue about something on my credit they have lied and stated they have no knowledge they can't respond when i am a customer and a consumer regarding this issue. They have 3 hard inquiries on my credit report since XX/XX/2021..XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX XXXX. I have not authorized my credit to be run by any of those companies what so ever. And so disappointed that i have to contact you'll daily in order to get a resolution. I had filed a identity. Complaint and was also told that if it is unauthorized this hard inquiries can be removed. And now they don't want to respond lying and saying im not the owner of the account when clearly my name is XXXX XXXX XXXX. They are just tired of the complaints that i have submitted which they wouldn't have to worry about this issue if they would just fix this issue.