Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an un-authorized inquiry on my credit report with Equifax from XXXX XXXX XXXX. I did NOT give XXXX XXXX XXXX permission, thus allowing a hard inquiry to reflect on my credit file. I was not made aware, nor were there instructions letting the consumer know that they would be pulling my credit report. What I did was, I added overdraft protection to my personal banking account. No where on their website did it say that they would have to run my credit just for me putting overdraft protection on my personal account. I had no knowledge that they were pulling my credit nor did they have my permission. I am requesting that this un-authorized inquiry of XXXX XXXX XXXX be removed off of my personal credit file with Equifax, and XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I tried trial wine offer from XXXX XXXX XXXX. I did not like the wine so I notified that I wanted to cancel the membership and the future shipment before the shipment was shipped. XXXX XXXX XXXX shipped the wine to me in light of my cancelation and charged my credit card. I did not receive the wine since I was not at home to receive it and I informed XXXX  that I did not order the wine. The wine was returned to the shipper. 

XXXX XXXX refused to refund me. I spoke to an associate of PNC bank and informed PNC bank, the issuer of my credit card that I did not order the wine nor did I receive the wine. I further informed PNC bank that i wanted to dispute the charge. I was issued full credit. XXXX XXXX insisted on charging me {$20.00} for the return of the wine. I told XXXX XXXX that I was not informed the {$20.00} charge for the return wine when I joined the membership. Furthermore, I told XXXX XXXX that I cancelled the membership several days before the shipment was sent out. It was XXXX XXXX who shipped out the wine without my ordering. Then, without any contact or explanation from PNC bank, the XXXX XXXX XXXX charged me again for the wine I didn't receive.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general.

Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Inquiry Date : XX/XX/19 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Complaint sub-issue: Account information incorrect

This is a continuation of XXXX about DISCOVER CARD. 

Unfortunately, Discover did not update my information with the credit agencies as noted in the XXXX letter. 

In XXXX, I had the opportunity to refinance my mortgage at 4.00 %. My original rate was higher than it should have been because of the ding to my credit report. 

Because my information was not updated by Discover to the credit agencies, when I went to refinance, I did not qualify for the 4 % mortgage rate as my credit score was still dinged. 

After reaching out to Discover in XXXX, they did fix their error with the agencies ... .however, interest rates had moved up and the lowest rate that I could get was 4.125 % as the process took a bit over a week. 

This is an extra {$280.00} a month I am paying through no fault of my own and, over a 30 year mortgage this is around {$10000.00} in extra payments. Had my information been updated a month, two months, three months, four months after the letter was received, I would have been fine and would have been enjoying a 4 % rate. 

I would like Discover to look into making a contribution to the extra payments that I have to make as I am being punished and paying a higher rate than 4 % due to their oversight and 5 months after the letter, no update of my status with the credit agencies.
Complaint sub-issue: Information belongs to someone else

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act convergent account numbers XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Capital XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Section 2 : I have the right to privacy. 

15 U.S.C 1681 section 602 A. Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a formal written request to all XXXX credit bureaus seeking the deletion of erroneous and inaccurate information contained in my credit file on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 In my letter sent and received by XX/XX/XXXX and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 6 months from my first written request and almost 4 months since my second written request and I still have not received any responses.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/22 I purchased to seat covers from XXXX in the amount of {$59.00}. 
On XX/XX/22 Citibank closed their investigation and reverse the {$59.00} credit to account ending in XXXX. 
The copy of the merchant 's response does not include shipping XXXX 's name, date of shipping, tracking number, deliver date and or delivery pictures.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have already made a previous complaint, company responded with false information and I have been met with harassment since then. Ive spent 8 hours on hold and the phone went unanswered for the duration of the day, it is not possible to get through to pay my debt.
Complaint sub-issue: Used obscene, profane, or other abusive language

They did not use abusive language. The problem is they called me looking for someone else. They ask me if I knew the person and i never responded. The person XXXX ( unknown spelling ) proceeded to tell me their clients personal information in an attempt to gather more info. I attempted to warn them to not give me someone's personal information and then explained that I never verified knowing the person they called about. They in turn hung up, but it's too late personal information was given out to unsuspecting people. I called back the number and left a voice mail about not giving info out.
Complaint sub-issue: Problem during payment process

Payments are posted to my account, but the credit card company puts a 10 day hold on my ACH payment even though it has cleared my bank. They are using my payment money and not paying me interest on it. There is no disclosure about this unethical practice on the credit card web site, or on my statement ; so I have to go on line to the credit card web site and see if my payment has increased my available credit. 

Since there is no notice issued, I have assumed my payment has been posted and cleared, I have charged more expenses and had, at one point exceeded my credit limit. My charges were being declined when I was traveling out of town.
Complaint sub-issue: Account status incorrect

XXXX University is reporting on my credit for a balance owed. When I signed up for XXXX in was under a pretense that was false. XXXX, lied and made false statements regarding their degree and programs to get you into the school.
Complaint sub-issue: Reporting company used your report improperly

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. 

XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Receivables performance ; XXXX XXXX XXXX XXXX 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 instruction.

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: Funds not handled or disbursed as instructed

During financial hard times my Bank of the West account got low and I was charged multiple overdraft fees. I submitted a leadership of instrument to the bank in order to settle the account. I received no notice of this owner from the bank and by their non-response by assumption is that the negotiable instrument was excepted value but the bank never provided valuable consideration for the transfer. I have made numerous request in writing to provide answers to the questions that I am dealing with and bank of the west has provided no written response or answers or remedies to the problem at hand.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.
Complaint sub-issue: Keep getting calls about your loan

DISCOVER PRIVATE STUDENT LOANS -I TRIED SETTING UP A PAYMENT PLAN AFTER BEING DENIED A FOREBEARANCE. I INFORMED THEM I WAS HAVING A COMPLICATED XXXX. PHONE CALLS WERE MADE THREATENING MY CO XXXX AND JUST RECENTLY EMAILS WERE SENT TO A FAMILY MEMBER THAT HAD NO KNOWLEDGE OF THE LOAN. HOW HER INFORMATION WAS OBTAINED IS A MYSTERY. SHES IN THE FAMILY BY MARRIAGE NOT AN ACTUAL FAMILY MEMBER, SHE SHOULDNT KNOW MY PERSONAL BUSINESS.
Complaint sub-issue: Talked to a third party about my debt

Ray Klein Inc., XXXX Professional Credit Service of XXXX, OR. sent a writ of garnishment to a company I do business with that has no connection to the debt they claim I owe. I believe it was in retaliation for a contentious call I had with a Ray Klein Inc. employee and was done deliberately and with the intent to embarrass me. I have copies of the writ that was sent to XXXX in XXXX Ohio. XXXX is not my bank, nor are they involved in this matter at all, nor have they ever been. Ray Klein Inc. just picked a name off of my personal credit report and sent a third ( uninvolved party ) embarrassing personal details about this dispute including my social security number. 
I am not even sure that the debt that they are harassing me about is even valid. I was never served for this judgement they claim to have, nor was I notified by mail certified or other, but it sure shows up on my credit report. I think this company has engaged in illegal collection practices and I want them penalized for it.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2021 I contacted Equifax dispute department now the week before I contacted XXXX dispute department and pointed the problem out and the United States Department of Education student loan acct was removed. As I spoke with the lady and told her the acct one is being reported on when the government suspended all student loan activity due to Covid last year. This actual acct hasn't had any activity since XXXXwhich is ten years ago and should be removed which it was from XXXX but, Equifax will not put forth the proper due diligence in the matter. I continuously am given the run around. The information isn't accurate at all.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Closed reports from a few years ago are still on my account. 

XXXX DEPARTMENT STORE Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX. 
XXXX DEPARTMENT STORE Closed Closed on XX/XX/XXXX 2013
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX ; I am filling this complaint against two companies below : XXXX XXXX  XXXX XXXX Balance : {$18000.00} Address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX Phone number : ( XXXX ) XXXX Reported : XX/XX/XXXX Discover Balance : {$14000.00} Address : XXXX XXXX XXXX XXXX, DE XXXX Phone Number : ( XXXX ) XXXX Reported : XX/XX/XXXX My reason for this complaint is to ask for these companies to remove their charge or reports off my credit. These two companies have been on my credit report for a charge that had nothing to do with me. I was shocked myself to see the charges on my report. These charges were as a result of credit fraud activity and have been harassing me with letters and phone calls for something I did not do. These companies have added much stress into my life and I have taking the precaution of securing my credit and identity. I have since added a fraud alert on my credit report per XXXX XXXX as of XX/XX/XXXX, to prevent anymore of this type of activity. I have filed the following : Dispute letters on XX/XX/XXXX Investigated Disrupts to bureau on XX/XX/XXXX Direct disputes and validation to Discover and XXXX XXXX on XX/XX/XXXX Round 2 of dispute letters on XX/XX/XXXX Furthermore, I noticed a Texas address on my file that I did not recognize nor ever lived at upon creating an account with XXXX, which shows and proves the fraudulent activity that I had no idea about. The false address was : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I recently applied for a new line of credit on XX/XX/XXXX, and got denied. This was my 4th denial with this company ( XXXX  XXXX XXXX ). I also got denied for limit increase with my current credit companies XXXX and XXXX. This is hindering me from additional line of credit to progress my life forward. I deserve to have the opportunity to obtain new line of credit and progress my life forward and these two companies are not allowing me to do so.
Complaint sub-issue: Right to dispute notice not received

ProCollect DID NOT and NEVER informed me that I owed a debt or that I had a right to dispute the debt. I contacted ProCollect on XXXX, 2017 and paid them {$1800.00} ( which include a fee that they charged ). Yesterday on XXXX/2017 I checked my credit report and ProCollect has reported an open collection account and caused my score to drop XXXX points! When I contacted them today the person who took my call initially was very rude and condescending telling me that I " should have paid the debt in the first place. '' Then I spoke with " XXXX '' who admittedly stated that he had never tried to get in touch with me prior to me calling him and paying the {$1800.00}.
Complaint sub-issue: Called outside of 8am-9pm

They always call every so often at XXXX.
Complaint sub-issue: Problem with personal statement of dispute

Uplift , Inc An account has been charged off but still continued to report on my credit report a negative XXXX XXXX XXXX  - Account charged off continued to report negatively after they were paid in full
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX under section 623 A as the data furnisher continues to report using the EXXXXOSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.
Complaint sub-issue: Account status incorrect

XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX are representing fraudulent accounts on my credit report that are hurting my credit history and my credit score. I've applied to multiple creditors and I have been denied because of XXXX XXXX XXXX serviced by XXXX XXXX XXXX. I addressed these concerns with XXXX XXXX XXXX, serviced by XXXX XXXX XXXX and my requests for correction have been ignored.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXXXXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Can't temporarily delay making payments

My son XXXX XXXX is in school and will receive his PHD in XXXX. He has student loans through Sallie Mae. Sallie Mae has made his loans revert to payment status as of right now. My son uploaded deferment information on XX/XX/XXXX and again on the XXXX with no response. He then called Sallie Mae on the XXXX of XXXX and was told they had received the information and it would be 5 - 7 more days. I am a cosigner on his loans. I called into XXXX XXXX on XX/XX/XXXX and was hung up on twice. The first gentleman I spoke with was XXXX. He found his information and then began to process this information. The phoned was cut off and I had to call back twice more. I finally got XXXX on the phone who then told me it would be another 10- 15 days. I explained to her this was unacceptable as this will not put a mark on our credit reports as being late. I called back on Wednesday XX/XX/XXXX and was told that the deferment was only allowed for 48 months and that his loans were now due. The person on the phone was rude at that time so I asked to speak with a supervisor. XXXX who was a supervisor came on the phone to explain that the loans were now due and my son has no other options but to call the loan resolution department. At that time there were 28 people ahead of us so we decided to call back on XX/XX/XXXX. I called into the loan resolution team at ( XXXX ) XXXX at XXXX am. I finally had someone pick up the phone at XXXX am. The lady on the phone did not give her name but said he had no other options but he may be able to reduce the payment to $ XXXX. Before I could ask a question this person has left me on hold now for over one hour. My son is in school and I do have a job. Now according to the recording there are 48 people ahead of me as I guess the representatives want us to hang up. As of right now I have been on hold for 1 hour and 30 minutes with no one picking up.
Complaint sub-issue: Threatened to sue you for very old debt

I think this debt should be removed from my credit report
Complaint sub-issue: Investigation took more than 30 days

I Have contact the Bureaus several times in regards to my Credit Profile. There is a lot of inaccurate information on my credit profile and is hurting my ability to obtain any credit or to move forward in several aspects in my life. I have contacted them about the incorrect information pertaining to my name, address and the accounts that i disputed with them. I never received information back from XXXX Nor Equifax the only bureau that sent me a letter in regards to my dispute was XXXX which never provided support documentation to my claim stating how the account was verified. I feel as though my consumer privacy rights had been violated and taken advantage of, I need this fix.
Complaint sub-issue: Can't use card to make purchases

Hi there, I am writing this again based on reference number XXXX. My name is XXXX XXXX and it is regarding the same case. I would like to know what is the status or anything has been done abou it. We are been treated with so much disrespect because of our skin XXXX. I just got off the phone with XXXX at XXXX on XX/XX/20 and i asked them if they can send the card and I was told that they need to verify our address and my question is on XX/XX/20, I received a letter from sallie mae saying we are investigating about this issue and they sent a letter from them. If they arent sure about my address then why did they send a letter. They have all the information, why are they picking on us? Why discriminating? What did we do to them? I need answers? They keep taking money from my wifes account and she isnt on the record for past 1 and 1/2 years? Is that legal? If you really concerned then why don't you verify that first? We need answers.

thank you