Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax did not secure their data properly even though the technology to secure mentioned data is reasonably affordable and readily available. Now mentioned data has been breached by criminals. My personal information was part of mentioned data and is now in hands of criminals and will become public. I know this because I confirmed with Equifax today, X/X/17. I should also note that Equifax offered a service to protect against identity fraud, but in exchange they wanted to mitigate my ability to sue them for damages. Also, the service they offered was only free for one year- after which they would make a profit off of me by charging for me to extend the mentioned service.
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. 
XXXX XXXX, XXXX credit union : # 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 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 vears.
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: Their investigation did not fix an error on your report

I have sent multiple letters to EQUIFAX about the XXXX  XXXX XXXX account on my credit report but nothing has been done so far and this unacceptable. The account is in violation of the Federal Credit Reporting Act and should be deleted from my credit report immediately. Interests and fees have been added to this account even though it is charged off which is a violation of the FCRA! I have attached documents on here to prove my case. Delete this account immediately!! It is clearly visible, I even circled the most important information on these documents. Unless you are blind or getting paid by XXXX  XXXX XXXX you should clearly see what I am talking about. I am not going to give you ( Equifax ) 30 or 60 more days since I have already waited too long. I have mailed you multiple letters about this issue and I have the usps return receipt for every letter that I have sent to you. I am giving you ( 3 ) three days to delete this account from my credit report. Just look at the attachments. If you ( Equifax ) do not delete XXXX XXXX XXXX from my credit report I will sue you in federal court if this how I can get your attention and I am not even joking. I have also so attached on here the form to sue you so will understand that I am not joking. The form is ready to be filled in and sent out. Delete this account from my credit report!!!
Complaint sub-issue: Reporting company used your report improperly

Equifax security breach - cyber attack has now placed my identity at risk. Equifax is suggesting we place freeze XXXX only good for 90 days XXXX and is offering a 1 year fraud protection account but the information obtained in the hack includes social secuity numbers and other information that will have a much longer shelf life! It is crazy to me that their company has placed my long-term financial future at risk but they are only accepting that mantle of responsibility for 1 year and offering what I consider to be ongoing laborious responsibility on our - the victim 's - shoulders. I am a tax paying citizen and feel like there should be some government intervention to ensure Equifax is accountable. I know this is unprecedented but I do not believe that I ever " signed up '' to allow a credit agency to warehouse my personal information and if they did so, without my explicit permission ( which may have indicated that I accepted whatever resulting risk ), then they should also have the responsibility to protect the information. A breach of their security means, they 've not only put me at risk but also expect me to be fully responsible to ensure the information stolen is not used inappropriately fir the rest of my life!
Complaint sub-issue: Not given enough info to verify debt

On XXXX XXXX, 2016 I was mailed a request for payment from this collection agency. On XXXX XXXX, 2016 I responded disputing the debt and asking for validation. Thirty ( 30 ) days later I had not received a reply from the company. On XXXX XXXX I mailed them a letter per Texas Finance Code that the time to validate the debt had passed and they could no longer continue pursuing payment. On XXXX XXXX the account was placed on my credit report as a unpaid collection. This company has violated my rights under the FDCPA and the Texas Penal Code as they are illegally attempting to collect debt in Texas since they do not have a surety bond registered with the Secretary of the State. As the attached file shows along with fax info this company has received info informing them of my dispute yet they placed the erroneous info on my report anyway.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On or about XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX while looking to be prequalified for a vehicle. I was not advised of any hard inquiry to my credit file. I was informed I was not qualified after about a week later. I was advised they could not assist with the purchase of any vehicle. 

I did not give permission or authorization for XXXX XXXX XXXX XXXX to send my information to several lenders. This was to be a prequalification only. 
I have attempted several times to dispute this matter with XXXX Credit Bureau As I am reviewing my credit file with Equifax Credit Bureau. I have hard Inquiries from : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX These 5 hard inquiries are not warranted as I did not provide permission verbally or written to reach out to these partners or XXXX XXXX XXXX XXXX XXXX 

I reached out to XXXX Credit Bureau XX/XX/XXXX and spoke with operator XXXX. 
The operator advised that there was nothing she could do to remove the fraudulent inquiries off of the credit file. I advised I would reach out to your organization and file a complaint. I was told this was my best option as Equifax rejected my request for removal.
Complaint sub-issue: Reporting company used your report improperly

Equifax caused a breach to my sensitive personal information and failed to notify me in a timely manner. This has lead to a huge headache of contacting credit agencies, freezing cards, and managing my finances.
Complaint sub-issue: Not given enough info to verify debt

On XXXX XXXX, 2016 a copy of my credit report was obtained by Citibank. I did not authorize this nor did I apply for anything. I am in the process of trying to buy a home and this dropped my credit score XXXX points and has affected me drastically. I contacted Citibank via telephone and was told I was not a customer therefore they could not help me. However they can pull my credit report and not tell me why! My lender as well as the credit bureaus told me that if they could provide me a letter stating that this was done in error they could remove this inquiry on my credit report so it would not stay there for 2 years. I need this done immediately. This inquiry could prevent me from buying my house!
Complaint sub-issue: Their investigation did not fix an error on your report

SEARS/CBNA i opened a Sears CC at XXXX XXXX XXXX, the store clerk entered a wrong address into his computer for my home of record. i went to the XXXX store 3 times to find out why i was not receiving any correspondence or bills. the Store manager said they had no info and to just wait as new accounts took time. they had no info in system so could not tell me what to pay or take my payment and guarantee it would be accounted for to my account properly. 

I was given a number to call, but since i did not have an account number i could not get through computer screening system, after many attempts i finally got through to a person but by then my Credit report showed delinquent. i was able to give them proper address and pay off amount ; their internal system showed all mail sent to me was RTS. 

phone rep said to file appeal through credit reporting agencies which i have done many times with no change. 

most calls were dialed on work phone but i have a snipet of one that was dialed from my phone XX/XX/2018 trying to connect with a Rep
Complaint sub-issue: Information belongs to someone else

As a consumer, I have rights that are given to me to protect me from misinformation being reported on my credit report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On or about XX/XX/XXXX I noticed a XXXX charge for XXXX on my account ending in XXXX. I called Elan Financial Services to advise of the fraud charge. They opened a fraud alert and cancelled my card. They assured me that the the account was closed and no other charges would occur. I received my new card and noticed a feature on the credit card application XXXX that showed a " reoccurring charge '' of {$14.00} for XXXX. I called customer service and they told me not to worry about it, that it was for the other card number and I won't have a problem or new charge again. Yesterday XX/XX/XXXX I noticed another charge for XXXX for {$14.00} under my new card ending in XXXX. I called Elan Financial Service again, went over everything. A new fraud claim was opened, a new credit card was issued. They said they won't follow up with XXXX, they also told me that I can either keep my account open or just " close it for good '' because XXXX in the Fraud Department who said she is the " main XXXX  '' said this charge will " just keep happening '' and there is NOTHING THE BANK/Financial Institution will do. I asked to speak to a XXXX she refused to transfer. She basically did NOTHING to resolve my now ongoing problem. I advised I would file a complaint with the CFBP she didn't care. I contacted XXXX, they advised me a of a partial email account of the fake account. They also stated that I would not receive any further charges on either account. They XXXX XXXX  ) also stated they would issue two refunds to Elan Financial for each charge. I did the work of Elan Financial Service- My credit card company.
Complaint sub-issue: Information belongs to someone else

Us bank is reporting an account on my file that is not mines
Complaint sub-issue: Their investigation did not fix an error on your report

I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX Bank Mortgage this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXX Bank Mortgage is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from XXXX different debtors. 
XXXX XXXX XXXX has to be removed from Equifax major credit reporting agency I have written to the three major credit reporting agencies an as of this date removal of this XXXX XXXX XXXX has not been removed.
Complaint sub-issue: Their investigation did not fix an error on your report

****SEE ATTACHMENTS PLEASE**** For the last few months, I pointed out couple of errors, misleading, incomplete and multiple inaccuracies how my name are mixed misspelled, wrong addresses, inconsistent with several accounts and Ive asked that you investigate and delete. These accounts are not verifiable under section of 609 of FRCA and therefore I need them all DELETED effective today. 

The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

A count my settled - paid in full, my credit score was dropped 50 point after updated infor mation. 

2.

Nelnet list 2 separate account even though I have 1 account and make one payment because loan transferred to Nelnet XXXX XXXX I had late payments during the Sandy strorm There was no consideration during that period of displacement, and loss of vehicle and change in lifestyle expenses. Also living out of my house since XX/XX/XXXX sand Storm to XX/XX/XXXX for home repairs then XX/XX/XXXX to present for Goverment New York Rising elevation project.

Paying Hotel expenses and mortgate. 
with tototal 30 month rental assistance.
Complaint sub-issue: Banking errors

On XX/XX/XXXX, we deposited a large check payable to the IRS in a US Post Office mailbox on Post Office premises. In reconciling our US Bank checking account statement covering XXXX of XXXX, we discovered that the check had been altered, deposited by an individual unknown to us, and charged to our account. We contacted US Bank and they emailed us forms to fill out to report the crime. We delivered the forms by hand to the XXXX XXXX office of US Bank in XXXX, TN on XX/XX/XXXX. XXXX Bank conceded readily that the check was obviously altered but has refused to recredit our account. We have communicated with US Bank many times since XX/XX/XXXX by phone and email. As of XX/XX/XXXX, despite our continuing demands, our account has not been recredited for this stolen and altered instrument.
Complaint sub-issue: Non-sufficient funds and associated fees

I am on a small fixed income and have direct deposit. For the  last two  years my bank has charged me an overdraft fee of {$35.00} if there is not {$12.00} in my account to cover my monthly service fee. Every single month I go through this. Unfortunately all the money I get from  SSDI goes for my rent, my utility bills and food and sometimes I 've only got {$10.00} left in my account but still charged {$35.00} for being {$2.00} short for my service fee. I have repeatedly ask my bank to waive the fee but they refuse. Even though the money is guaranteed to be there on the 3rd of eac h month they still charge me {$35.00} if there is n't {$12.00} in my account to cover the service fee. Even if I have {$11.00} I 'm charged {$35.00}. I know I need to change banks but now it 's the principal of all this. I feel like I 'm being robbed by this bank. Can you help me?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I used my Citibank Thank You Rewards card to purchase a trip on XX/XX/XXXX. We took our trouble but ran into a little trouble with the flight. When we returned I contacted Citibank to dispute the charge, the dispute was entered for the full amount of the charge which was {$1700.00} which was never the amount that I wanted to dispute. What I was trying to do was dispute half of the airfare portion because we missed a half day of our trip due to airplane trouble. A provisional credit was given for {$1700.00}, I called and stated that the amount wasn't correct, another credit was issued for {$1700.00}. That two credits and someone must have realized it and reversed one. This left one provisional credit of {$1700.00}. The dispute was then closed because XXXX XXXX didn't agree, in the meantime I made two payments of {$890.00} which totals {$1700.00}. When the dispute was closed, I had it reopened explaining that all I was trying to do was get {$490.00} which is half of the airfare, when the initial dispute was denied it was fine because all I would have owed Citi is whatever I charged while the dispute was going on. What Citi did was instead reversing the {$1700.00} credit, they rebilled me {$1200.00} which to means they were crediting the {$490.00} as requested, that is the difference between the provisional credit of {$1700.00} and {$1200.00}. They are trying to tell me I still owe {$1700.00} and that is not correct and I am unable to understand why I can't seem to get these people to understand that. I contacted the Office of the President at Citibank and spoke with a XXXX XXXX who stated she would have this issue resolved and I have not heard back from her aside from a voicemail she left at my home on XX/XX/XXXX that said nothing about what was being done. I called Citi again today and was told that XXXX XXXX noted my account that the investigation was closed. How can you close something without advising the client and also the situation has not been resolved.
Complaint sub-issue: Need information about my balance/terms

I requested a copy of my credit report and found a court judgement from SLM Private Credit. I do n't know what this debt is for, and the judgement was placed in XXXX Court in XXXX which does n't make sense since I have lived in XXXX for the last XXXX years. I sent several debt validation letters to both Sallie Mae and XXXX to try to figure out what this is and if it was one of my school loans being serviced by both companies and I have yet to receive a response. I 've tried to obtain these records for about four months now and I need help because it is effecting my ability to get a job.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, Account # XXXX ( XXXX XXXX  ), Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXXXXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

THERE HAS NOT BEEN ANY PROOF FROM THE FURNISHER THAT THESE COLLECTIONS BELONG ME TO. IF THERE IS, I NEED TO SEE THE PROOF IN WRITING.

Dept of Education XXXX does not have anything in writing with MY PERMISSION to anything on my credit report.
Complaint sub-issue: Received bad information about your loan

AES has not provided complete and accurate records of my loans to the US Department of Education after they failed to have me on the proper repayment plan when they knew I was pursuing XXXX. I've been paying on my loans for 15 years while having the same ( qualifying ) job the entire time. My loans should have been forgiven a long time ago. AES needs to provide my payment info, as well as info they received from the previous company who handled my loans, to the US Department of Education.
Complaint sub-issue: Information belongs to someone else

This account was deleted from my credit file then placed back on just recently.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Problem getting a working replacement card

My name is XXXX XXXX im change this name in XX/XX/2020 im send many time via mail to the address provide Best Buy Credit Card for update my new name. But for any reason that is not possible all the companies change and update my personal information but Best Buy no do that because all the time never receive the information im send. Today im speak with the costumer service and this person talk to me y the best advice i close the account. Impossible for me the las XX/XX/XXXX somebody use my old name ( XXXX XXXX ) and she opened new account this is fraud and identity thief so my credit report update the new name and close the old name but this company don't do that.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The Complaint is against : Aqua Finance Inc XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, 2017, Balance {$8300.00} Monthly payment {$270.00}.
As of XXXX 2017 develop finance hardship and was able to join a company to consolidate my bills. However, the above company refuse to participate with the consolidation process. With advise through my bank this was the only option best for me at this time. Once the process begin, the above company was not willing to make the adjustments with the new company terms and agreement payment.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX XXXX  XXXX  charged my Citibank credit card, this credit card had a different number that I never shared with XXXX  XXXX. 

XXXX XXXX refuses to cancel the membership even tho theres not even a XXXX XXXX on our state and they never let me know they were gon na reinstate charges.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax has given me difficulty the last ( 3 ) times when I try to access dispute information. I will put a dispute in through XXXX XXXX and will recieve an email from Equifax stating they are investigating the issue. Once they are complete, they send me an email with a confirmation # to go online and view the dispute results. Every time I try to access this online, they seem to can't varify me and I have to call in. Well, when I call in they ask me the same series of questions as the online prompt does. At the end of the conversation, they always say that they can't varify me and I need to mail in documents. 
It is the same information that all ( 3 ) credit beaures have on me. These people are rude and their is language barriers here. How can I make the necessary corrections to my credit report if I can't access it. They are truly no help. There is a blog out on the web of thousands of people who are complaining about how Equifax operates ... ..
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have a credit card with Best Buy. I have had excellent payment history on my account, until the national lockdown in XXXX, 2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted Best Buy immediately without the ability to contact a rep. We continued timely payments even though our XXXX XXXX is only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting onthis account lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a small business owner survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!