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

Since XX/XX/2019 I have been involved with an ongoing dispute with Sagestream LLC. They provided information that caused me to be denied a loan. They have not answered any of my questions satisfactorily, they have used legal jargon to obfuscate the true meaning of there intentions, and they have shirked responsibility at every point possible. Recently, they denied giving me any information based on the fact " My identification I sent them was blurry. '' They had my phone and fax number so they could have contacted me using either of those to tell me my identification wasn't acceptable but they chose not to which leads me to believe they are deliberately and maliciously withholding information from me and I accuse them of which. In their responses they keep stating : " SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors ''. however this is affecting my life due to the fact I have been denied credit based on the information in their reports.
Complaint sub-issue: Account information incorrect

Intent to file suit : violation of the FCRA Notice XXXX XXXX : XXXX am making this document on my only accord and will, no third party was used to make this notice. I have filed multiple CFPB COMPLAINTS this year about the organization named XXXX, Equifax, and XXXX, plus I sent previous letters, all by certified mail requesting that they stop furnishing inaccurate information on my consumer credit report and they have failed to do so. Exhibit A is attached, I can show a judge that these accounts are STILL inaccurate after 9 months of sending letters and filing complaints and that you violated the Fair Credit Reporting Act.
Complaint sub-issue: Other problem

I was the victim of a stolen Macy 's credit care back in XXXX and XXXX of last year as I was sick with XXXX. There were numerous charges on my card. I conctacted Macy 's and reported the stolen credit card as well as flied a police report with chicago police and the claim was still denied under the rationale that I did not supply enough information. The fraud department waited until one week before the 90day period was up to contact me. I appealed the decision and was still denied
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/2021 the agreement was signed with Preferred Lease on a purchase for a sofa that is 700 that i got approved for now Preferred lease has posted two credit balances on my report of {$1500.00} on XX/XX/2021 and a new {$1600.00} on XXXX XXXX, 2021 with out any notices that there would be any changes to my balances
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Comerica Bank inaccurately reported information to a Consumer Financial Protection Bureau called Early Warning ( Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXXPhone : ( XXXX ) XXXX ). Comerica Bank wrongfully reported that I committed banking fraud when I have never written a bad check, nor have I ever conducted any unlawful or illegal activity with any bank. I reached out to Comerica Bank 's quality assurance department on XX/XX/20 by calling XXXX. I spoke to XXXX who aggressively attacked me. She made a very XXXX joke about the political organization, XXXXXXXX Lives Matter. She  stated " well all bank accounts matter '' when I asked for a supervisor. Comerica Bank has a long history of racism and hostility toward their clients and hit is very well documented online. I will list a few links in this complaint : ( XXXX XXXX XXXXXXXX 
XXXX & XXXX & XXXX ) ( XXXX XXXX XXXXXXXXXXXX ) (   XXXX XXXX XXXXXXXXXXXX )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I receive a notification from XXXX XXXX  that I had a new inquiry on my credit report on XX/XX/2019 so I logged into XXXX XXXX and seen a company called XXXX. I immediately called XXXX and the company advised me that I needed to call the Credit Bureaus so I called Equifax and XXXX XXXX and they told I should do a dispute and when the information is not able to be verified it would be removed. I also went to the police station to file a police report and the officer explained to me that because it was only an attempt to access credit and no account was opened then I couldnt file a police report unless a form of credit was opened in my name. Equifax and XXXX claimed that they investigated my claim which they absolutely did not. I asked for the documents and signatures proved to them in this fraudulent attempt to steal my credit information. To date XXXX XXXX and Equifax have not provided me with any factual information only a generic pre generated response over and over. I have never had or attempted to gain access from XXXX and XXXX XXXX and Equifax never actually investigated because if they did they would have seen there is no copy of my Id, or social security card with this company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This are all fraud inquiries I have not given any of these creditors permission to pull or access my credit under FCRA by these being fraud and the creditors reporting them they need to be removed immediately : I am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for Equifax, XXXX and XXXX XXXX. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information Equifax, XXXX and XXXX XXXX is reporting the information and need to correct the information. 

XXXX : Equifax Mortgage Solution-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax XXXX Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equfiax mortgage XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my social security information to be stolen.
Complaint sub-issue: Information belongs to someone else

In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Complaint sub-issue: Debt is not yours

I dont think that all of the debt on my credit report is correct. Medical bills are false I always had medical insurance. XXXX bill I paid my last bill and discontinued the service. XXXX XXXX student loan is fraud Bcus that school is shut down completely and its illegal to sell my student loan to another creditor without my consent.etc
Complaint sub-issue: Problem with personal statement of dispute

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 2022
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

Equifax has yet to delete fraudulent identity theft account of XXXX XXXX and fraudulent Michigan address that goes with it. XXXX noticed all three credit bureaus of the fraud on XX/XX/2016. The other XXXX credit companies have deleted the fraudulent account and XXXX address that goes with it. XXXX show nothing done to fix my credit report under its dispute confirmation numbers, XXXX, XXXX, XXXX, XXXX.
Complaint sub-issue: No notice of investigation status/result

This is really getting to be a problem. The dates are listed very clear and the police report was given along with other corroborating evidence to this bureau via fax. There are not even taking the time to investigate only reporting inaccuracies. I have been taking several hours of my day to call these banks ect. only to hear that they have not gotten some type of questionnaire that comes from XXXX usually. Even, there how can an account be verified by a questionnaire. This was verbatim from XXXX XXXX and XXXX legal team. Thus far upon me calling directly to these creditors I get results even before Equifax alleged attempt to reach out and verify its accuracies. Someone is lying and it has to be EQUIFAX because the proof is in black and white. I am attaching XXXX ( XXXX ) letters with regard to these inquiries while I await the others. So far XXXX XXXX and XXXX apologize and would like to delete but they are still waiting for Equifax to send them something and so is XXXX XXXX XXXX XXXX. They have NOTHING except my complaint. Now attached are XXXX letters that were sent via email and XXXX Mail stating that inquiries will be removed and they are dated before the XXXX XXXX credit file sent from Equifax saying they verified the information. These people should really stop hurting a persons chance to obtain credibility when they are not even viable themselves. It 's almost like they never even bothered. They just state that I need to contact the creditor directly and do their job, which I am forced to do anyway to receive any type of vindication. I see why they are number XXXX in the news for bad reporting yet they claim they will do their best to help. When this only proves they are doing NOTHING. Says so the creditors as well, because not all people are trained to know the answers so they rely on the help of the bureau to assist the consumer. I am a witness to this first hand now. Please do something about this as I do not have the time and money to keep wasting fighting these people to do what is right. I am a new mother just getting back into the work field and just ca n't give all my time to Equifax for them to get paid for bad reporting. It should not be on the consumer to do their job. Thank you.
Complaint sub-issue: Other problem getting your report or credit score

I had frozen my credit reports 2+ years ago due to the large data breech, and a desire to protect my credit. I now need my credit information to be available in order to change cell phone providers. I had no issue removing the credit freeze with XXXX  and XXXX. 

With Equifax, I am trapped in an automated black hole, and can not get this report unfrozen. The cellular provider I need to sign up with ( XXXX XXXX XXXX ) only uses Equifax. I have tried to login to myequifax.com, but am told to contact customer service after entering my login information ( I have also tried updating the password several times ). I have called a half dozen customer service numbers listed on their website, including the one I was provided when login failed, only to be directed to the same automatic phone tree, and told they can not complete my request, and then hung up on. There seems to be no way to speak to a live person, or to get this report unfrozen. I am at a loss as to what to do! Many message boards indicate this is a common experience of those trying to access Equifax. I am hoping the CFPB can provide some solution.
Complaint sub-issue: Didn't receive enough information to verify debt

Grant & Weber is reporting an unpaid debt from XXXX hospital to credit reports. This is not my bill. There are multiple people with same name. Use my middle initial and date of birth to verify its not me. 
Remove the negative debt from my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of XXXX  Ive made all payments on time. There was a charge of an interest left that was in the amount of {$2.00} that was paid. I wasnt ever assessed a late fee. I ended up seeing a late payment on my credit report and contacted home depot several times, they told me they don't see any late payments. That the payment history is perfect and on time. Ive also tried to contact credit bureaus they wouldn't fix it neither. Ive explained to them many times. Home depot also sent a referral letter stating they'd have it removed and nothing has happened ever since. There is a human error for something thats paid on time without defaulting on any payments. PLEASE HELP!
Complaint sub-issue: Debt was result of identity theft

In XXXX of 2019 I purchased a phone from XXXX  on that same day they allowed someone to purchase a second phone in my name I called XXXX corporate office and the store where he phone was purchased they asked for a police report I gave them that I also contacted XXXX and sent them the police report still nothing. This action is preventing me from moving forward with my plans because its on my credit now
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my credit report or personal information
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 -XXXX XXXX XXXX XXXX XXXX XXXX Credit Dispute Dept XXXX XXXX MI XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX {$3000.XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act Avante USA Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt is not yours

This is regarding Company Name : XXXX XXXX  Account # XXXX Never removed still in my credit file : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response from Equifax : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative.
Complaint sub-issue: Information belongs to someone else

I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT
Complaint sub-issue: Problem using a debit or ATM card

Bank : East West Bank APP name : XXXX I would like to write you about service fees which the bank charged from my account. It is unfair and unreasonable. And I am kindly asking back this service fee back which were charged from my account. From XX/XX/XXXX to XX/XX/XXXX, full service fees are XXXX Dollars. 

One of the most important reasons is : there is no clear Clarification and Notification from bank official website about how to calculate the average monthly account balance, which misleads customers. I put XXXX Dollars on the account, but still charge the service fee every month XXXX Dollars with 13 months. 

What people on bank website could find is only " XXXX XXXX monthly account management fee. The monthly account administration fee is waived for meeting the {$2500.00} average monthly account balance or the {$10000.00} combined monthly average balance of all deposit accounts. 

There is no other related information about how to calculate the average monthly account balance, even without any NOTIFICATION. This confuses and misleads customers. 

Here I would like to explain why the NOTIFICATION is necessary, and why this misleads customers. 
After chatting with your customer service online. The way to calculate the average balance is really complicated. 
I asked customer service : HOW TO ACHIEVE XXXX SERVICE FEE THIS MONTH. The answer is : Now my average balance is {$2200.00} .If I want to achieve XXXX service fee this month, in XXXX XXXX I should deposit {$3900.00}, or in XXXX XXXX I should deposit {$4400.00} and keep it in my account till end of the month. 
We could see that every day deposit amount is so different. Therefore, it is NECESSARY to write a detailed calculation method on bank website. 

Because of the lack of necessary explanation, clarification and notification of such complicated calculation methods of average balance, which misleads and even cheats customers. The bank charged from me XXXX Dollars. It is unfair and unacceptable. I kindly ask to pay me back about these mentioned fees. 

As a customer, we do not exactly understand how the rule works. And only understand there will be no service fee when account balance is {$2500.00}. And I put in XX/XX/XXXX {$6600.00} in this account, and in XX/XX/XXXX still XXXX Dollars in the account until today. But still your bank charges the service fees, every month {$25.00}. And this cost all because of the lack of any notification of such complicated average balance. How to explain the AVERAGE BALANCE there is always no explanation on your website. 

Here is the web page which the customer servicer sent me. 

XXXX XXXX XXXX No clarification and notification about how to achieve the XXXX service fee. I put XXXX Dollars on that account still charged the fee every month, and now it is 13 months already. It was XXXX Dollars. 

Kindly ask help from ConsumerFinance. Thank you so much.
Complaint sub-issue: Information belongs to someone else

not mine : fcra violations XXXX XXXX XXXX XXXX XXXX, TX XXXX-XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX-XXXX Resident type Single family remove it and see attachments : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Collection account. {$4600.00} past due as of XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several attempts recently to have the balance updated on 2 charged off accounts ; XXXX Credit Card and XXXX XXXX XXXX. I have sent multiple disputes to all three credit bureaus XXXX, XXXX and Equifax. They have all stated that they investigated and updated my results. I dont believe that they have investigated because they would have found in the investigation that the balance on the charged off accounts with Target card services and XXXX XXXX XXXX should both be listed as {$0.00}. Both of these accounts have been sold to collection agencies. According to fair credit reporting practices, an account sold to a collection agency should not continue to report a balance owed. This is a direct violation of my rights under the FCRA.
Complaint sub-issue: Problem accessing account

PNC Bank purchased BBVA and had about six months to transition accounts. This past weekend, they eliminated BBVA access from customers from Friday-Monday, promising access within PNC 's new system would be up on Tuesday ( XXXX XXXX ). When I was unable to access my accounts on Tuesday, I visited the local branch and spent about an hour with my banker, completing a form which listed all my accounts that needed to be migrated to PNC. That form was sent by the branch to PNC on Tuesday. By Thursday, nothing further transpired and I still had no access. I contacted PNC 's leadership team in XXXX and, while they did not respond directly, they had someone contact me to let me know " they are working on this ''. As of this morning I still have no access and no one at PNC is returning calls or email messages. 
This situation was both predicable and avoidable and, once the problem was created and PNC was properly notified, they have exhibited seeming incompetence and indifference to finding a timely resolution, It is totally unacceptable for my wife and I to have to endure a full week without access to our accounts.