Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a credit inquiry dispute with Equifax online on XX/XX/2018. Two days later on XX/XX/2018, I received an email notifying me that the dispute was complete. Each time I attempted to check the status online, the website returned with this message : " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. 
Please try again later or contact us directly to check the status of your dispute. 
We apologize for the inconvenience. '' When I called Equifax, the representative indicated that I could not dispute a hard inquiry with them ( Equifax ) and that I had to directly through the company that reported it. 

Equifax did not do a proper investigation. In fact, they did no investigation at all. 
I contacted the below creditors and I have not received any proof that I initiated such inquiries, nor written authorization nor any permissible purpose. Since, I have received no authorization,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting Act XXXXt Accounts # # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX Violated my rights 15 U.S.C ( 1681 ) SECTION 602 A STATES THAT I HAVE THE RIGHT TO FAIRNESS, Impartiality, and privacy 15 U.S.C 1681 Section 604 A Section 2, A Consumer Reporting agency Can not Furnish A Account without My written instructions
Complaint sub-issue: Threatened to sue you for very old debt

XX/XX/2022, I received a letter ( and another this month ) telling me that I had to make payment arrangements by XX/XX/2022, or I would potentially get sued for the entire amount. I called to attempt to do so, but they refused to work with me. When I explained my general situation the CSA ( Customer Service Agent ) informed me that I had only 2 options : 1 : Pay $ XXXX/mo or 2. Pay $ XXXX/mo. The first payment would have to be paid by the XXXX, in order to avoid being charged off and further debt would then be collected. This wouldn't be an issue, except for the fact that I can not afford even the lowest option. I explained this, and made a realistic offer for me ( {$25.00} at least until things were less tight financially ). They refused the offer, saying they couldn't accept it, and that payment of at least {$50.00} for the " Hardship Program ''. I said that was unfortunate and gave up. Now, let me explain my situation... 

It's been a very, very financially rough 7 years. I got divorced 18 mos after my daughter was born, in XXXX. He moved out and from that point, til presently, I became a single parent. On top of that, I was later diagnosed with XXXX and XXXX. It got so bad for me financially, that I had to use cards to help pay my bills. Even with child support ( {$370.00} at the time, {$470.00} now ). Because of the XXXX, I can only work part time. I am working on getting on XXXX for it, because it's getting bad enough that I've had to miss work because of flare ups, which is not typical. But it's a long and nearly hopeless process when it comes to this invisible illness. 

I have experience in only 2 fields : XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX ( XXXX, XXXX  XXXX, etc. ). Neither field offers much for income. I had to work fulltime in my XXXX positions to barely make ends meet. As a XXXX, I can at least make enough to ( barely ) survive on. I currently work XXXX at a XXXX XXXX. I am scheduled XXXX hours a week, give or take, depending on appointments. I make $ XXXX plus very few tips ( XXXX {$2800.00} ). I have no XXXX or medical benefits and rely on public assistance ( all that I qualify for ). My rent alone is {$1400.00}, in fact, the sum of only my main, household expenses is {$2100.00}. That doesn't even include gas or other living expenses. I also have liability insurance to pay for if I want to be covered for when I practice massage, among other things. How am I supposed to pay back my credit cards right now?? Even {$25.00} a month is a stretch for me, but I at least offered that instead of refusing to pay it all together. As I stated at the beginning, they refused and were not even willing to compromise on the payment at all. It was a minimum of {$50.00} or nothing. I am a little upset over this, because their hardship program is useless with such a high min payment, with my income. I want to catch up on as much as I can, but household expenses and bills take precidence. I don't see what is so wrong with this. Yet, here I am. I would appreciate some assistance.
Complaint sub-issue: Information belongs to someone else

I have requested the production of documents from all 3 major credit reporting agencies for a legal hearing concerning my identity theft and reported fraud since XXXX/XXXX. I again tried to fax the requests but all 3 fax numbers are returned by my paid fax service fax plus AS NO ANSWER. I have written to each of them and called to having a experian phone rep tell me that my XX/XX/XXXX credit info is no longer available since I disputed most of it. This is when my nightmare of fraud and identity theft was revealed again since reporting it in XXXX & XXXX to all 3. Confirmed by the office of the comptroller for currency in XX/XX/XXXX. I have identity theft recorded at the federal trade commission. I need these documents sent to me at that earliest convenience to XXXX XXXX XXXX XXXX nc XXXX XXXX Date of birth XX/XX/XXXX Thank you I need all of my XX/XX/XXXX Reports from each # 2 a current credit report on file # 3 a copy of my XXXX/XXXX when I reported fraud and identity theft.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is fraudulently reporting on my consumer report without written consent. XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.
Complaint sub-issue: Deposits or withdrawals

I made a total of 5 phone calls to Ally Bank. Totally unresolved and calls can take hours. I have 2 CDs with Ally. I was successful on Call # 1 and received all of my accrued and paid interest on the 2 CD 's. The interest accrued but not paid on both cd 's required a 2nd call ( I made the mistake of having the interest paid annually. ) Call # 2 resulted in success on one of my CD 's and I was told to hold on until it was finished. Unfortunately, after being on the phone for an hour, my phone battery died. 3 calls later resulted in long times waiting for the resolution. I have to also state numerous messages sent to Ally resulted in no success. Those people can't even read. 

The last 4 numbers of my CD are XXXX. There is approximately {$880.00} of accrued interest but not yet paid sitting on it. I wanted this interest transferred to my XXXX ending in XXXX. 

Therefore, I am hoping that you can intercede and help me with Ally Bank. At times like this I wonder about their solvency if they won't give me my accrued interest as requested.
Complaint sub-issue: Used obscene, profane, or other abusive language

A representative called and told me I have a XXXX balance outstanding ... I told them I sent them a dispute letter ... he told me it doesn't matter because I didn't pay it. Told me I would go to jail if I didn't pay ... I told him it's federal law to provide me with a validation letter ( which they have not ). He told me good luck in court ... I said I don't have any income and I owe more on my house than it's worth ... but I dispute the debt
Complaint sub-issue: Personal information incorrect

As of XX/XX/2022, incorrect personal information is still being reported to my credit I have only ONE address that has been my address for over SEVENTEEN years. I have NO previous addresses. Credit bureaus XXXX, XXXX AND EQUIFAX COMPANYS keep reporting inaccurate personal information and addresses. Multiple attempts have been made with all bureaus to fix the issue.
Complaint sub-issue: Information belongs to someone else

I have complained to Equifax over and over. Equifax has denied me the right to a fair credit report. Equifax knows that they allowed my information to get hacked! Before this situation I was a victim of identity theft! Equifax has a copy of the report. Equifax also has a Statement from a federal agency providing proof that my identity was stolen. A young lady got arrested for using my information and this was verified by the XXXX department. I have spoken to several Equifax employees and they have been very rude. The last XXXX people that I spoke with have been gabriella and XXXX whom were very rude. I have hospital bills reporting on my credit report that are fraudulent. I am a mother of XXXX who receives XXXX. I 've always received XXXX. It is against the law to bill someone who has XXXX unless it 's a co pay. These are fraudulent accounts that are not my accounts. I live in Nd. I have no reason to go to another state and accumulate a Medical bill when I have XXXX and reside in the state of ND. I am trying to purchase a house that has been repossessed from a family member that is now deceased. Equifax has denied me the right to a fair credit report. I need these FRAUDULENT ACCOUNTS REMOVED! THEY AGREED TO REMOVE THE FRAUDULENT INQUIRIES BUT NOT THE FRAUDULENT ACCOUNTS! Please help in making sure Equifax is allowing all races a fair credit reporting rights!
Complaint sub-issue: Information belongs to someone else

I was trying to get my son a new vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.
Complaint sub-issue: Problem accessing account

On XXXX I closed my US Bank checking account and cancelled their credit card due to Platinum checking account false advertising and deceptive business practices.

I left the saving account open but did not receive a statement for 6 months so I closed the savings account as well. I received the attached letter from US Bank on XXXX stating that I had been de-enrolled in the US Bank electronic 1099 distribution program. I NEVER ENROLLED in the scandalous US Bank electronic 1099 distribution program. US Bank did NOT have authorization to enroll me in anything electronic. This is exactly why I closed all US Bank accounts and terminated the US Bank credit card. US Bank employs deceptive business practices like unauthorized 1099 distribution enrollment and forced electronic statements. I do not and will never bank electronically. When I questioned the fraudulent Platinum checking account paper statement waiver US Bank said they would investigate the bogus charges but never did and continued with their fraudulent fees. US Bank is an extremely dishonest organization. US Bank does whatever they want with accounts regardless of the law. The attached letter is just another example of dishonest, deceptive business practices of US Bank
Complaint sub-issue: Information belongs to someone else

I am a victim of identity thief..I have a police report to support my claim..there are inquiries on my report that are a result of identity thief..they are the following.. XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX  XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX  XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX  XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX  XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hi I had an account with BBVA bank which was then bought out by PNC bank. 

Somehow during this transition my information was stolen and I have {$570.00} in fraudulent transactions. 

I had called PNC as soon as I saw it and over an hour long conversation the representative said they would file a claim and have the fraudulent transactions removed. Those fraudulent transactions were the only transactions on the account. 

XXXX  month later, and nothing was resolved. I called again and spent over an hour on the phone with the representative who said they would remove the transactions as they agreed they were fraudulent, restore the account to a {$0.00} balance and close my account. 

However, it is now yet again over a month later with nothing resolved. They seemed to have erased my account history, because I can no longer see the statement details, however I'm still charged the {$570.00} and I can not somehow turn off autopay or see any autopay details. So this account is still linked to my main checking account and will continue to draw funds. 

I can not even download a bank statement. 

It begs the question, how do I have a balance / activity on this account without the ability to see any previous statements. 



This bank has promised to remove these fraudulent accounts twice, and over the span of now going on XXXX  months there is no resolution.
Complaint sub-issue: Personal information incorrect

I viewed my credit report and there are many unknown names, numbers, addresses and inquiries associated with my social security number.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX I went into the emergency room at XXXX XXXX XXXX XXXX to be seen for stomach pain. The wait was very long so I left without ever being admitted. I ended up going to another emergency room ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I received an alert from XXXX XXXX stating that a new negative account had been added to my credit files ( XXXX and XXXX XXXX ). To my surprise I had lost 42 points due to a collection being added from a creditor by the name of XXXX XXXX XXXX XXXX XXXX. I researched the company and called to see why they had added this to my file. They told me that XXXX XXXX XXXX had submitted a bill for {$270.00} stating that I failed to pay. I have never received a bill or a call from XXXX XXXX XXXX or from XXXX XXXX. I asked the women to verify what contact information they had on file. She preceded to verify an old address of mine and a phone number that has never been mine. I asked what correspondence had gone out to me to alert me of this debt and she failed to answer the question. She kept telling me to call XXXX XXXX XXXX. I never received service from XXXX XXXX XXXX and I was never admitted despite the bill I requested and received ( XX/XX/XXXX ) stating I was discharged at XXXX XXXX. I arrived at XXXX XXXX XXXX XXXX which is 14.2 miles away at XXXX XXXX. This is fraud. XXXX XXXX XXXX preceded to charge my XXXX XXXX for room in board and service that was never rendered. They have damaged my credit and committed insurance fraud. I never received any notice of the debt and was not given a chance to dispute it or anything. FRAUD.
Complaint sub-issue: Problem using a debit or ATM card

I contacted Comerica to dispute a XXXX  charge on XX/XX/21. I was asked for additional information which I supplied in early XXXX. Comerica has not provided any additional, ongoing updates regarding the dispute, and in fact, another unauthorized charge came through from XXXX for {$620.00} on XX/XX/21. Why was my dispute not resolved, and why has a new, unauthorized charge been allowed to come through from XXXX I was told that they would no longer be allowed to charge my account??
Complaint sub-issue: Didn't receive notice of right to dispute

Never received any notice or request for debt. Never opened an account, identity was stolen.
Complaint sub-issue: Debt is not yours

Hello, I checked my credit report and saw an account from XXXX XXXX appear on it. I did not know who they were, or why they appeared on my credit. I sent them a debt validation letter that they did not reply to. My next step is to enter litigation unless they remove this item from my report. The letter I sent is attached.
Complaint sub-issue: Fee problem

I was a Citibank customer for more than a decade. The checking account was opened as a Total Free checking according to the contract and I had been using the checking account for years without any fees being imposed on the account. Several years ago, I switched to XXXX but didn't close the Citibank accounts. The Citibank bank accounts were inactive for several year since I switched to XXXX. I did not received any notifications on changes of service/fees on the checking account until couple months ago, out of total surprises, Citibank bombed me with many notifications asking me to pay $ XXXX monthly service fee - confirmed with customer service that the entire {$920.00} was monthly service fees accumulated over years when the account was inactive. 

I tried to resolve this issue by working with Citibank 's customer service, but have been unsuccessful. Citibank intentionally not to send me any notification earlier when the service fee balance was much lower - they have been secretly accumulating service fees on my account for years without any communication so that they can charge me a huge amount at once, without any agreement. 

I hope someone could help me to resolve this issue, but don't know where to go. Hopefully, publishing this horrible experience of mine with Citibank can help other consumers not to be victimized by this bank.
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  has placed an account on my report which does not belong to me. They have no documentation of me with an XXXX  account. Instead the want Me to pay a settlement. I have disputed the with Equifax which has had no help. Im seeking help to ATLeast have XXXX send me some documents proving this is my account. Which I know it is not.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX about XX/XX/XXXX, I sent an Affidavit of debt verification request letter to Equifax pertaining to XXXX " XXXX XXXXXXXX XXXX XXXXXXXX '' accounts ( amounts {$3500.00} and {$6000.00} ). Equifax response to my validation request was I quote, " The disputed item is not currently reporting on the Equifax credit file '' and quote. Confirmation # : XXXX, See Attachment ( XXXX ). On XX/XX/XXXX, my wife obtained an identity theft police report for both XXXX XXXXXXXX XXXX XXXXXXXX accounts as well as other accounts, XXXX Attachments. On XX/XX/XXXX I sent separate notarized Affidavits ( pertaining to fraudulent accounts, unverified accounts and inquires ) to Equifax, XXXX and XXXX, See Attachment ( XXXX ). On XX/XX/XXXX, I called Equifax to inquire as to the continued reporting of the XXXX XXXX XXXX. Of XXXX accounts. After being transferred several times and on hold XXXX. and XXXX mins. the supervisor would not answer my questions as to their legal authority to continue reporting these XXXX accounts that are determined to be a result of identity theft via Police Report. At that point the supervisor sent me to an automated system to be disconnected. The first customer rep. I spoke with, I.D . # : XXXX, Call time : XXXX hr. XXXX mins. XXXX seconds, See Attachments. Complaints : XXXX. Equifax did NOT validate the XXXX XXXX XXXX. Of XXXX accounts. XXXX. Equifax said the XXXX accounts in question were NOT reporting on my credit file. XXXX. Equifax continues to report the unverified accounts after receiving the police report via certified mail. XXXX. Equifax has requested I contact the creditor for debt validation. XXXX. Equifax has blocked me from accessing my Equifax account. Despite my various written request for validation and removal of unverified accounts they remain in my credit file which intentionally violate numerous federal laws such as and not limited to : FCRA Sections ; 605 ( c ), 609, 611, 616, 617, 623 etc. As well as several FDCPA 's. 

Note : XXXX has also failed to delete these XXXX accounts from my file. I received a letter from XXXX ( dated : XX/XX/XXXX ) stating the debts have been deleted ( See Attachment ) but when I checked my XXXX account online the debts were still reporting therefore, this complaint also applies to XXXX. 












Date : XX/XX/XXXX
Complaint sub-issue: Problem with fees

I received a bill from XXXX XXXX this week for XXXX. Last month I received a bill for XXXX and a late fee of XXXX. I paid the XXXX original charge. THis month I got a bill for the late fee with an additional late fee on top of the late fee. They did waive the second late fee but if this is there regular practice, then they have a problem. First XXXX late fee on a XXXX charge is ridiculous but to charge a late fee on top of a late fee and their rep says it because there is an outstanding balance. This needs to be investigated. If they did this to me, a knowledgeable consumer, how many more have they done this to.
Complaint sub-issue: Account status incorrect

I am on a hardship program with XXXX XXXX  for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX XXXX XXXX or Equifax refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXX does not answer any calls for me to contact them.