Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

There are XXXX inquires on my credit file that are not mines i have submit paper work and called and still havent recieved proper document. I have noticed that name is mine but the social security number and other personal information are not mines im jut trying to get the inquires deleted from my file.
Complaint sub-issue: Problem with renewal

I had a 30 month cd with State Farm at 1.98 % beginning in XX/XX/XXXX that was maturing on XX/XX/XXXX. The account was sold to US Bank in XXXX. The letter fronm usBank on XX/XX/XXXX said your CD will be maturing on XX/XX/XXXX and if you wish to automatically renew your certificate no action is required. I had no reason to believe anything was changing on my CD. As of XX/XX/XXXX, today, i learned they renewed my certificate at .05 % interest. If i had not made call today, to USBank about proof of CD renewing i would never have found out that they had reduced my interest rate to almost nothing. I canceled my CD and had to pay a penalty of {$3200.00}. I was given no explanation of how legally they dropped my interest rate, other than that i should have asked for their " special rate ''. Not only have i not made ANY money in the last 8 months, but it cost me {$3200.00} to cancel my CD so i could move it somewhere for a higher rate. I have all the paperwork and names of relevant people involved for reference.
Complaint sub-issue: Other problem getting your report or credit score

the equifax computer web site is consisitently going out of service and i am getting a home and it is a reeal problem.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We dropped a vehicle off at a repair shop. The employee who took the car in did not say anything in writing or verbally about a diagnostic fee. When we picked the car up the shop added {$75.00} to the bill for a diagnostic fee. This came as a total surprise as it was not disclosed. The owner refused to remove the charge from my invoice so I disputed the charge through Discover Card. The merchant provided an invoice and statement that effectively said their terms and conditions provide for a diagnostic fee, so Discover disallowed my dispute on XX/XX/2021. I disagree with Discover 's decision because the merchant did not provide documentation to prove that they disclosed the fee to me. General terms and conditions that were not provided is not proof that the charge is valid. The charge is invalid because it wasn't disclosed before the work was done and we didn't have an opportunity to decline it and take our vehicle to a different shop that doesn't impose such fees. The burden should not be on me to know every detail of this businesses terms and conditions when their terms weren't made available or disclosed when we dropped off the vehicle.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I took a friend ( a XXXX Member ) to XXXX XXXX Hospital ( " XXXX '' ) for medical attention. I had previously injured my XXXX  foot and was in pain, so I asked a member of XXXX 's Medical Staff to check to see if I had a XXXX XXXX. As it turned out, I did. I provided evidence of my Medical Insurance Coverage and XXXX was generous enough to waive a {$5.00} fee. Subsequently, my insurance company was billed by XXXX in two ( 2 ) separate claims for their service. The first Claim # XXXX was paid XX/XX/XXXX for {$41.00} ; second Claim # XXXX was paid the same date ( XX/XX/XXXX ) for {$120.00}. According to conversation with my insurance company following receipt of the collection notice, XXXX was paid a total of {$150.00} for both Claims : with one Check # XXXX. The check was cashed by XXXX on XX/XX/XXXX. I have been involved in the emergency care of a senior Family friend and have not had time nor opportunity to continue, back and forth, with XXXX after they have already been paid. XXXX has smeared my credit further and now seeks unjust enrichment at my expense. I, too, am a Senior Citizen and feel that I have been subjected to Elder Abuse due to XXXX 's inability to properly maintain their records. I am of the opinion that countless others have been subjected to the same, if not worse. I am a member of the XXXX XXXX and I realize that sometimes the dollar signs interfere with reality to such a large extent many people suffer without knowledge of being taken advantage of. Or, better yet, too worn and unnecessarily taken advantage of on a continuous basis they 've lost energy to fight. I want the record cleared based on payment received by XXXX ; a letter sent to each of the three ( 3 ) credit bureaus to clear the erroneous report. Finally, XXXX 's medical billing practices should be analyzed to ascertain how many true victims there are who 've suffered the casualties of poor medical billings! All facts were provided from the records of my insurance company ; XXXX has copies ( or should have ) of the checks received. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have no clue what is going on with Equifax but this is getting ridiculous. 

The following accounts are currently on my credit report as delinquent : 1. XXXX XXXX XXXX 2. XXXX XXXXXXXX XXXX 3. XXXX 4. XXXX Card I have no idea how exactly you are verifying these accounts as mine, however if you do not immediately remove these negative marks then the next letter you receive will be an intent to sue. Due to the circumstances on the incorrect reporting, you are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off. You report that these accounts were closed in 2014 with no proper payment history - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove these illegal accounts from my credit report or you should expect an intent to sue in the mail, because I will have to choice but to take legal action. Not to mention that these were all requested to be validated back in 2014 with absolutely ZERO response.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I have reached out several times to have unauthorized inquiries removed and Equifax will not do their due diligence and remove. I was negatively affected by their breach and I want all unauthorized inquiries removed. The inquiries are as follows : - XXXX XXXX XXXX XXXX BankXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXThese are unauthorized and fraudulent and have no open accounts on my credit report. Per my rights under the FCRA, they should be removed immediately. remove inquiries from CRA as does not show true depiction of credit history.
Complaint sub-issue: Transaction was not authorized

On XX/XX/19 2 separate transactions were withdrawn from my account, {$1.00} and {$19.00}, I contacted my bank to inform them these were unauthorized transactions, I also had my debit card cancelled and reissued. I then contacted the company responsible for the transactions, they informed me that they had no record of my account. 

Then again on XX/XX/19 I had another charge of {$19.00} deducted from my account. I am contacting my bank to report this as another unauthorized transaction.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 n 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Public record information inaccurate

A Method of Verification letter was mailed certified to Equifax XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Exquifax on XX/XX/2020. They replied and said verified without providing me their method of verification as I requested. I mailed a 2nd certified letter to Equifax XX/XX/2020 requesting them to delete the inaccurate bankruptcy and have not received a response. Equifax has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have been making monthly payments faithfully to D & A services LLC. I have asked them to stop harassing me a payment will be made by the XXXX of each month. Each month they call and still leave voice messages This a old debt from XXXX credit card in 2014. 6 yrs later I am harassed monthly. There is a panademic and I still pay monthly. I asked them to stop calling n leaving messages and they continue to call. As long as they get there payment by the XXXX of the month on a old 2014 credit debit why harass me about it. It was said I owed {$1500.00} in 2014. I have made payments monthly and now I owe {$220.00}. I do not understand why all the phone calls daily till the end of the month. 1st call for the month of XXXX came in today XXXX at XXXX XXXX.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The collector from XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX keeps calling me using abusive language to collect this debt. I have mailed a cease and decist letter to them. They also keep calling me three to five times a day from different phone numbers to make it look like it is not the same company. I have asked them to stop calling me.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report and found a late payments reported for XXXX and XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My name is XXXX XXXX and I noticed a fraudulent charge for XXXX XXXX when reviewing my XX/XX/XXXX Citibank credit card statement. The fraudulent charge on XX/XX/XXXX was in the amount of {$280.00}. The charge was made at a XXXX store in XXXX XXXX XXXX. All of my charges from the month of XX/XX/XXXX were in Massachusetts. I did not travel to New York. I immediately called Citibank and let them know about the fraudulent charge and they stated they would have to investigate. Citi bank stated the merchant stated it was an authorized charge. Citibank is insisting i pay for this fraudulent charge and report me to the credit bureau if I didn't. I am disputing it as i was not in the area and made no such charge.
Complaint sub-issue: Their investigation did not fix an error on your report

The Bankruptcy court has sent me the attached affidavit swearing that they do NOT verify or validate any public records with you. Delete this unverified account immediately US BANKRUPTCY COURT- ( XXXX ) FCRA states that youre required to verify accounts with the original creditor and in this situation, the court is the original creditor and they do NOT verify records!
Complaint sub-issue: Information belongs to someone else

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have two credit card issues with Citibank. Both regard their " revisions '' to credit limits. 

The first is what I consider to be an " emergency only '' card. I've had it for six years, always on time, always zero 'd out balance. Recently I had to use that card for an emergency medical bill XXXX {$1100.00} XXXX. The charge was on my bill for one payment cycle. When my statement closed, Citibank " revised '' my credit limit downward from {$2200.00} to {$1000.00}. This made it look as if I was over/at the maximum of my credit utilization. 

The second is my Citibank XXXX XXXX mileage card. Recently I was 5 days late in making my credit card payment. ( I've always made on time payments to both cards ) After I realized my payment was late, I resolved the matter and made a payment immediately. Two business days later, Citibank " revised '' my credit limit down from {$7200.00} to {$6200.00}. Now, again, it appears that I'm over utilizing my credit. 

I have contacted Citibank about this, and have mentioned that every time I login, they explain on banners, emails, pop-up notifications, that they are here to help during this pandemic. I have asked both a customer service representative on the phone, AND the CEO of Citibank for assistance. Why would Citibank suddenly be revising credit limits during a pandemic, especially when they claim to be there to help. Also, why revise when I've been a long term customer with no late payments. The answers have been polar opposite. 

For my first " emergency '' card, the representative was abrupt, and unhelpful. I decided to close my card and have paid the balance in full. The CEO 's office sent an automated message that my credit line had been restored, but it was too late, especially after the phone conversation with their CSR. 

The second XXXX XXXX XXXX card ) issue has yet to be resolved. I've emailed the CEO 's office and have spoken with a CSR. I don't understand how a company can claim to help, and switch the terms of how they help. This seems like a bait and switch to me. It makes my credit utilization look as if I have increased my usage exponentially, which in turn lowers my FICO score. This cascades into other credit cards then questioning the limits they've given me. 

I think this practice is wrong, and borderline illegal considering the " help '' they are claiming to offer customers. 

Please help. Their advertising and their operations seem to be in two separate realities.
Complaint sub-issue: Account status incorrect

Consumer Finance, Per the attached letter from XXXX  XXXX, and the prior complaint number XXXX, Equifax is to remove all the late pays from my XXXX  XXXX account ending in # XXXX. Please have this handled immediately as its damaging my credit and affecting me from obtaining a home loan. Thank you.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX XXXX am writing this complaint today because my rights have been violated repeatedly by the company listed below. This company has violated my rights under XXXX5U.S. Code 1681and U.S. Code 1679 I have a right to an accurate report and this company is reporting an inaccurate balance. The balance being shown is not correct as well as reporting an inaccurate file. I was charged a repossession fee twice. I purchased GAP insurance when purchasing the car, the lender was paid out by GAP to cover the loss vehicle. The file should be a point of sale and was reported as a installment loan. Because of these violations mentioned, I'm it be removed immediately as the solution. 
account to be removed as followed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Collected or attempted to collect exempt funds

I received a letter from the XXXX group again on Friday. Notifying me of a court date to review my financial situation. This is after already doing this on a legal form for them a few months ago. And after them placing a judgment on me a few years ago. I only get XXXX a month from ssdi. I am not married so I use that money for my needs plus paying a rent to live in this house. About XXXX. I have nothing that I own everything is in his name and belongs to him. I have XXXX altogether in clothes jewelry and face supplies. I can't afford to have my ssdi garnished especially when that is all I have. I have horrible migraines daily and the constant stress is too much. I can settle for XXXX dollars in writing and on record. So this doesn't continue. That is all I can offer to settle this.
Complaint sub-issue: Was not notified of investigation status or results

My data has been compromised through the Equifax Security Breach. This release of information will results in life long issues for me that may compromise my financial security. To date Equifax has not made any attempt to contact me or relay the information.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX is reporting my XXXX XXXX XXXX late XX/XX/XXXX both in XXXX  and Equifax. XXXX shows late in XX/XX/XXXX. 

This was actually an error on a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.
Complaint sub-issue: Attempted to collect wrong amount

1. I contacted XXXX about a debt settlement for my Citibank debt 2. They told me XXXX to settle the debt over the phone. They told me as long as I pay by the XXXX it will be fine. 

3. I asked them to send a letter. As of today I have still not received the letter. 

4. In good faith I sent the check on the XXXX through my bank and it was postmarked on the XXXX. 

5. They called on the XXXX saying the check was late and that I owed {$500.00} to settle the debt. Additionally the man said I actually owed XXXX which was not discussed over the phone 6. I told them it is postmarked so according to law they received the check. He told this isn't Texas it's TN ( Even though we have a Federal Law that says otherwise he yelled at me and said I was too smart for my own good and that it was a law office and that they know what they are doing. 

7. I felt threatened and offended by the statement and he was continue to yell at me over the phone. 

8. After the phone call the check was cashed almost 10 minutes after. 

I feel like that they held check to intentionally give me bad information so I could pay more. Because this tactic cost me {$300.00} more.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I disputed the accounts with the credit bureaus because they do not belong to me. I did not get a response or results. So I sent another letter XX/XX/XXXX and the credit bureaus still havent responded. From my knowledge the credit bureaus have 30 days to complete an investigation or the accounts must be deleted according to Section 611 ( a ). So now these accounts need to be deleted immediately or I just might file litigation because this is becoming super stressful and the credit bureaus have been ignoring me on purpose. I am also a victim of the Equifax data breach so XXXX knows who have gotten my information. 
The accounts that do not belong to me and the credit bureaus have been ignoring my disputes are : XXXX XXXX and XXXX XXXX.