Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Collected or attempted to collect exempt funds

CONS HOME PLUS IS THREATING TO TAKE LEGAL ACTION AGAINST ME FOR ACOUNT # XXXX. MY MONEY IS FROM SSDI WHICH IS FEDERALLY PROTECTED BY LAW. I WISH THEY WOULD NOT BOTHER MY ANY FURTHER.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted to Equifax two disputes involving XXXX XXXX. XXXX XXXX Auto Finance is incorrectly reporting an account with Equifax and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. Equifax says they did an investigation of my claims in both cases but they did not address and of the errors of delete and fix the accounts in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. 

Thanks XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. 

Account Name : XXXX Account # XXXX. 
Account Name : XXXX. XXXX, XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX. Has violated my rights. 
15 U.S.C 1618 section 602A. States I have the right to privacy.

15 U.SC 1618 Section 604A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1618s-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: Information belongs to someone else

I am a victim of identity theft and the recent Equifax data breach. Equifax put a fraudulent and unauthorized account from XXXX XXXX XXXX that Equifax previously deleted and permanently blocked from my credit report. The following accounts are fraudulent, unauthorized and dont belong to me : XXXXXXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX, these accounts are fraudulent and dont belong to me. The are not my accounts.
Complaint sub-issue: Account information incorrect

XXXX hasnt reported or updated any payment history or account balance for the month of XXXX for my XXXX XXXX account XXXX XXXX is only reporting a old balance for the month of XXXX and nothing is reported for XXXX. 

My XXXX finance balance is currently {$1100.00}.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXXXXXX XXXX XXXX  XXXX {$7100.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX XXXXXXXX {$3900.00}
Complaint sub-issue: Deposits and withdrawals

Funds are not able to deposit to bank account on file
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 XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Can't use card to make purchases

My name is XXXX XXXX. I have a US Bank Reliacard that XXXX pays child support into. I was sent a new card at the beginning of XXXX but the card wouldn't activate. The system kept stating that the 3 digit security code was incorrect. After many calls they decided to send me a new card that I waited over 4 weeks for. The new card is stating the same issue, I'm not getting any help with it this time. The agents are very nice trying to help me but the supervisors are either telling me to do the same thing I've been doing or just leaving me on hold when an agent tries to escalate. I have spent over a 140 euro in phone calls trying to get this card activated ( I moved my kids to XXXX when I got divorced ). Can someone please help me, I'm falling behind in rent and am so frustrated.
Complaint sub-issue: Account status

I received confirmation from Equifax that the Historical account information would be deleted ( see attached documents ) The items were not deleted. Please permanently delete.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

In early XXXX, I sent XXXX XXXX an email where I told them to cease and desist from calling me and sending certified mail. Despite this, I have been receiving calls from debt collectors working on their behalf, in XXXX. 

Also, it's come to my attention that XXXX XXXX did a number of illegal things while my account was still open. They were charging me just interest but putting it under cash advances. And when I signed up, they were charging me monthly for credit reporting I didn't want. Both actions have been up in class action suits. 

With my account limited. I can not provide the best dates. But if they provide all of my records, I can show they over billed me illegally.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Per Equifax 's Press Release Statement : there was unauthorized access from MidXXXXXX/XX/XXXX The first indication that Equifax gave of this breach was on the XX/XX/XXXX This I an extreme amount of time to investigate and notify those affected of the LARGEST CYBERSECURITY BREACH in United States history. To top it off, the service that is offered by Equifax is through another entity who deceptively state in their ToS that signing up for this service ( which is offered to all victims of the breach ) removes your right to sue and that it will be decided in arbitration? The TOS is hidden and does not inform you until " after you 've input information to check if you 're affected ''. There are some that were registered automatically, INSTANTLY removing their rights to a fair trial. 

On top of it all, constant 404 's on the Equifax page, I am unable to complete forms on the Equifax page to put up a fraud alert ( calling them states they are too busy ). They also charge {$10.00} to put a freeze on your credit. Something that should be provided free of charge at the least! How is it legal for a company to say " We 're one of the 3 largest financial enterprises in credit consumer reporting in the world. We just had the largest data breach in history and we 're going to have our website broken and charge you to fix the problem. By the way, if you go with our service, you give up all right to SUE US FOR STORING INFORMATION IN PLAIN TEXT!
Complaint sub-issue: Other problem getting your report or credit score

The credit reporting agency has blocked me from accessing my credit report when needed and have blocked my social security number from applying for credit.
Complaint sub-issue: Overcharged for something you did purchase with the card

Discover Credit Cards place exorbitant holds on purchases at their pumps. A hold of {$170.00} was placed on my card for a {$25.00} gasoline purchase at the pump.
Complaint sub-issue: Information belongs to someone else

not mine : FCRA violations : see attachment for proof XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I Didn't give consent to any organization or financial institution , credit reporting agency to share my information, PURSUANT TO 15 USC 1681 ( A ) ( 4 ) A CONSUMER REPORTING AGENCIES MUST EXERCISE GRAVE RESPONSIBILITIES, IMPARTIALITY AND A RESPECT THE CONSUMER PRIVACY.
Complaint sub-issue: Fee problem

US bank wrote in their response to me regarding CFPB complaint XXXX that their bank account agreement allows accrual of fees and that they already refunded certain fees a few years ago to me, back in XXXX. 

This is to emphasize the solution for return of fees from a few years ago applied to the issue from a few years ago. This new issue concerns XXXX fees and request for refund of XXXX fees. 

Also, I state even though US Bank practice to assess fees is in their account agreement, the practice is wrong ( possibly illegal ). As such it should not be part of the agreement. This is especially so if the transactions are not honored. Namely, if US Bank rejects a transaction, we are not being given a service but we are being charged for and end up paying the fees. This is wrong. 

It is also wrong and bad customer service to not provide such a service consistently ( if allowed to be offered as is ).  Honoring some transactions and returning others messes up with our business operations and makes us financially illiterate. Plus, it is costly and overall a bad customer service. Possibly illegal. 

US Bank states their service accounts of certain type can reject transactions that go into a negative but would still charge a service for it. My goal is to pay for services that I do receive and receive them consistently. Returning transactions that would go into a negative is not a service as these transactions are transient and do not draw on US Bank funds for support.
Complaint sub-issue: Can't get other flexible options for repaying your loan

With XXXX XXXX/AES I have been told that I eligible for several different forebearance and in school deferment options, and when I check back I am being told I am not eligible for anything because I am past my grace period. I am not even eligible for lower payment and as I have applied for other things I have been told I am eligible for and have been turned down ... I am behind over XXXX. I have been in touch with many different representatives who have told me different things and today I was just told I am not eligible for anything. This is very frustrating and I need help trying to work out a affordable flexible repayment plan.
Complaint sub-issue: Information is incorrect

My car insurance company informed me that it will add an additional driver to my car insurance. They insist that LexisNexis reported to them that there is a new member of our household. There is none and there never was such a person. It is just myself and my wife ( both retired ) sharing XXXX car and residing alone at this address for XXXX years. After several days of back and forth with my insurance agent I was advised to deal with LexisNexis directly. How do I prove a non-existence of someone, he did not know. 
I can send you all the supporting information in the PDF form if you provide e-mail address to send it to.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX ; XXXX  # : XXXX, XXXX XXXX XXXX XXXX XXXX  # : XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

Inaccurate information and company has paid of accounts by insurance companies and I would like them removed immediately XXXX Equifax XXXX, XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I have disputed a credit card account opened fraudulently with citi bank. I have requested information from them in regards to the original contract, wet ink signature, etc. they have not sent me any findings nor any documentation after 10 disputes. I was under the age of XXXX when someone used the card to buy alcohol and many other things. Citi bank keeps returning my disputes as no issues with credit report and the debt belongs to me. I can not buy a home because of this and I am currently XXXX.
Complaint sub-issue: Account status incorrect

This is for the XXXX XXXX account on my report that has been paid in full please review verify and delete the account from my report. Thanks
Complaint sub-issue: Debt was paid

ERC XXXX XXXX XXXX XXXX, Florida XXXX This company mailed me a bill claiming if I paid XXXX my debt would be paid for ATM & XXXX so I paid them and the emailed me paid! But they keep calling constantly and more bills for the same debt I payed
Complaint sub-issue: Account status incorrect

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Complaint sub-issue: Problem during payment process

I accepted a zero-percent promotional credit card offer with Citibank in XXXX, XXXX. After making all my payments on time, I sent Citi payment in full of {$6500.00} on XX/XX/XXXX, to pay off that promotional balance in full ( otherwise that balance would be subject to interest charges beginning XX/XX/XXXX ). However, instead of paying off that promotional balance in full, they used a portion of it to pay off XXXX zero-percent flex-pay loans in the amount of {$550.00} I opened last month. I requested that Citi re-allocate my {$6500.00} payment to first pay off my XXXX, XXXX promotional balance in full, but they refused.
Complaint sub-issue: Problem with customer service

I receive paperless statements each month from my student loan servicer, so the servicer has a duty to notify me each month when a new statement is available for me to view. My statements are created on the XXXX of each month and I am usually notified via email by the XXXX that they are ready for me to view. The payments are then due on the XXXX of the following month. In order to avoid accruing additional interest, I typically make payments on the date I am notified that a payment is due, the XXXX. This past month, the servicer failed to provide me with any notice that I had a new statement available to view and that I had an amount due on XX/XX/XXXX ; this is similar to notice mailing a statement to me if I received paper statements and is a violation of Regulation Z. 

I just happened to log into my account this morning because I was wondering if I had an amount due. I was not sure if I had a payment due since I often make more than the minimum payment. However, I logged into my account to clarify this because I had not received any notifications. If I had not happened to log into my account this morning, I would not have made a timely payment.
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit bureaus are reporting " time Barred '' information on my credit bureau files the following accounts : XXXX XXXX XXXX dated 2015 XXXX dated 2015 XXXX XXXX XXXX dated 2015
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2019 I gave my credit card over the phone to make a {$1000.00} deposit with XXXX XXXX  XXXX XXXX to hold a used XXXX XXXX XXXX XXXX XXXX  for me for 10 days so that I could arrange to physically inspect it and then decide to comply the purchase if the condition was as advertised on XXXX as I lived 3 states away and needed to drive 3 days to get there ( XXXX, NV to XXXX, CO ). The merchant never provided me any of his terms or policy as to forfeiture of my deposit or that it was non-refundable and I signed no forms from the merchant to this effect. Upon arrival the unit was in very poor condition so I asked for a refund. The merchant XXXX said he would need to check with the actual seller directly first, as title was in the owners name and not the merchant. The next day I was informed that the deposit would not be refunded to me. I immediately called and started the dispute process with Citi which took over 3-4 months. I was then notified that Citi resolved the matter in favor of the merchant since the merchant had the power to simply refuse my dispute. This is not acceptable to me. The merchant has acted in bad-faith and his false advertisement of the product induced me to waste my time, effort and money. My wife is a witness as she was with me throughout this transaction and unit inspection. Citi has al of my documentation in their dispute file.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Confirmation # XXXX To whom this may concern, I recently received your intimidating response letter regarding this recent investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation the following documents specifically. '' Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX Equifax Information Services, LLC et al, XXXX Vs XXXX, and XXXX  Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Equifax Information Services, LLC et al, just can't use the XXXX System because its not considered reasonable. Equifax Information Services, LLC et al can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA if this matter isn't handled amicably in ( 15 days XXXX. 

And send me another credit report. 

Thanks!
Complaint sub-issue: Account terms

The XXXX XXXX XXXX information listed incorrect. States that high limit is {$3800.00}, which state I went over the limit by XXXX dollars. This is an issue because credit score dropped XXXX points.The bank has sent a request to have this information corrected to the credit agencies, but the credit report still shows I went over the limit. Here is the " Control Number '' from the bank to have to information corrected # XXXX ( XXXX XXXX XXXX account # XXXX ). Please have this info updated ASAP as this will affect my ability to obtain an loan. 
Thank you!
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax, and XXXX continue to report fraudulent info on my credit report. According to the FCRA i have the right to dispute incomplete and inaccurate information. i never gave consent to any consumer reporting agency to furnish my information. No consent by law is identity theft. According to usc 1681 ( b ) a consumer can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX
Complaint sub-issue: Received bad information about my loan

XXXX has repeatedly failed to process information regarding my student loan deferrment from both my XXXX as well as the XXXX XXXX times since XXXX of 2015. Fielding XXXX University registrar 's office and XXXX were able to provide me with their records of contacting XXXX directly indicating my status as a full-time student since this past XXXX
Complaint sub-issue: Problem getting your free annual credit report

Equifax does n't allow me to see my credit report online. They 're asking questions which I did n't. So, I ca n't answer correctly.