Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I am writing, because I disputed the following information that is fraudulently reporting on my credit bureau to Equifax ONLY. I did not authorize anyone to open an account in my name and respectfully asked for the information being reported by XXXX be removed and blocked immediately. 

According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.

1. Block, Except as o
therwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer I have provided all of the above listed four ( 4 ) items to Equifax. Therefore, I expect the listed account to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting that XXXX account public records item, and inquiries be permanently block and deleted.
Complaint sub-issue: Company closed your account

Discover card member since XXXX. 

On Wednesday, XX/XX/XXXX I received an email from Discover informing me they had closed my account which was in perfect standing with a XXXX  balance. They provided three reasons which included : Inactivity on your account ( s ) % of balances to credit limits is too high on revolving accounts Proportion of loan balances to loan amounts is too high I believe they closed the account due to inactivity since I haven't used the card after paying off a balance transfer last year of approx. {$7000.00}. However, regardless of the reason, I find it completely inhumane that a company would do something like this during these unprecedented times. I shared that when I called the company on Thursday, XX/XX/XXXX to discuss my options. I expressed I found it extremely disturbing they would do such a thing during this pandemic. I also shared that I believed they closed my account to minimize their risk because of the pandemic. What if I needed this lifeline during these times for me or my child? Not to mention how it will impact my credit in the event I need to pursue other options. 

The lady I spoke to was apologetic and said there was nothing the company could do. Their agreement states they can close an account at any time. She suggested I apply again to Discover. I didn't understand this reasoning since they just closed my account. I realized I wasn't going to get a resolution from the call, so thanked her and hung up. That's when I looked up how to file a complaint against Discover.

I want to close by saying that I find it utterly appalling that Discover would treat their customers this way during these times when so many other companies are sending emails to ask how they can help. Is Discover helping other customers? If so, am I being discriminated against?
Complaint sub-issue: Problem with customer service

PHEAA is terrible! I can never get an accurate count of payments for the loan forgiveness program. I 've been paying for 2 years but they will tell me only 12 payments have qualified without any reason or detailed history. 
They also jack up my payments every year then take months to review the documents I send, then deny me without providing a reason or letter. When I question them their reasons make no sense. I ca n't afford the payments their telling I should pay.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2018, I responded to an online promotion ( XXXX ) that Citibank was offering : Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : 1 ) Within 30 days of opening your account deposit {$15000.00} into the checking or savings account. 2 ) Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 
[ please see two " citi 400 '' attachments for details ] I was told the bonus will post within 90 days from the date I completed all of the requirements. 
I set up a new Citibank Account Package ( Regular Checking + Citi Savings ) on XX/XX/2018. 
I deposited {$15000.00} into my checking account, which cleared on XX/XX/2018 ( 14 days after opening my account ) [ see " XXXXk transfer '' attachment ], and left it in there for over 60 days. ( 74 days with a minimum XXXX balance ) [ please see attached, dated citibank statements ] It now has been 154 days since that {$15000.00} deposit cleared and I still have not had the bonus deposited into my account yet. 
I reached out to Citibank on XX/XX/2018 via their chat function ( as they have removed the ability to send a Secure Message regarding my issue ), and was told by representative XXXX, the bonus is deposited 90 days after the promotion requirements were fulfilled, you should get the bonus by XX/XX/XXXX. [ see " citi 400 log '' attachment for chat transcript ] It is now after the date quoted by the Citibank representative ( XX/XX/2018 ) and still no bonus has been deposited into my account. 
I have honored the terms of the promotion and feel the bank should be required to honor theirs. 
Thank you for your prompt support in this matter.
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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have 2 complaints I am trying to fix my credit so I can establish my credit score and according to my report I was surprised to see 2negative reports because I dont have credit and capital one says I owe XXXX I have never had a credit card thru that company the acct number XXXX from MRS BPO I dont know where that charge came from but it was not me and then XXXX has just reported that I owe XXXX I dont have and never would sign up for XXXX I have XXXX XXXX for years someone has used my identity and fraudulently signed me up for these 2 acts that are not mine the acct number for XXXX is XXXX XXXX XXXX i have never had a phone from them And I never ever used that phone number my name is XXXX XXXX XXXX XXXX XXXX please I need XXXX off my credit report these are totally false acct in my name
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I do not owe the Minnesota Department Child Support Division of XXXX  County. 
I spoke with the Child Support Officer : XXXX XXXX at lenghth. Also, she gave me proof of ths that the case is closed and there are no arrears. My child mother also got a copy and supported the decsion as well. This is not accurate, therefore this should be remove. Please honor the Fereral Trade Commission guildlines.
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX XXXX XXXX has violated all of my The Fair Credit Reporting Act ( FCRA ) Rights by repeatedly reporting an account that is both inaccurate and fraud! XXXX XXXX is reporting different information to each consumer reporting agency. With Equifax they are reporting A balance owed of XXXX & A charge off date of XX/XX/XXXX. With XXXX they have reported XXXX balance. I have attached screen shots of this inaccurate info. They've reported to both XXXX and XXXX different dates also. XXXX show XX/XX/XXXX & XXXX Says XX/XX/XXXX. This account is fraud and has been reporting inaccurate information across the 3 consumer reporting agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX in reporting an account that I have disputed for years. I have contacted the original company and secured documentation that the account is a workman comp account that workman 's comp insurance was responsible to pay and has.

I called XXXX XXXX ( collection agency ) and they confirmed and advised that they would request deletion. That was in XX/XX/2017. In XXXX, I asked for confirmation of the request or at least acknowledgement of the intent and reason, but they refused. That is against company policy according to customer service on more than one occasion. My goal was to secure documentation from them to provide to the credit reporting agency, In the meantime, I disputed this account more than six times and every time XXXX XXXX XXXX verifies the account as accurate. They continue to do so. 


I reported them to your agency and you believed that they were doing everything they could. you closed my complaint against the so now I'm requesting assistance with the credit reporting agency. They continue to report the account even after I provided documentation from the original company supporting my request to have item removed. 

XXXXXXXX XXXX XXXX to verify as accurate and Equifax refuses to remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

I have filed several requests for XXXX  Equifax and XXXX to remove a fraudulent item from my credit report under the name of XXXX XXXX XXXX and XXXX XXXX XXXX regarding an account that I did not open or authorize. Supposedly a credit card. Despite my numerous requests XXXX  Equifax and XXXX  continue to report the debt to my credit file. I am attaching a copy of my identity theft affidavit sent to XXXX XXXX XXXX and Portfolio XXXX XXXX  Equifax and XXXX  clearly stating that I did not open or authorize any account from XXXX XXXX XXXX and XXXX XXXX Associates. Despite this notice and dispute under Section 609 FCRA and The FDCPA the item is continuing to be on my credit report. I want the item removed based upon the fact it is an identity theft issue and I did not open the account
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax refuses to remove my consumer statement per my repeated requests. Despite numerous phone calls to Equifax over the last several months, and a certified letter, this consumer statement ( placed in XX/XX/2019 ) still remains on my report. Equifax representatives claim my consumer statement has been removed, yet every single day I login to my account and my consumer statement is still there. 

Each and every one of the Equifax representatives Ive spoken to on the phone are extremely difficult to understand as they speak English very poorly. I do not yet speak XXXX well enough to discuss my issues in their native language, so unfortunately we must communicate in English, in which understandably they are not proficient. I have tried to get around the immense language barrier by sending my request in writing via certified letter, but this also continues to be ignored by them. Equifax is an abomination of an organization. Please help!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX SHOWING AN LOAN ON MY EXQUIFAX, XXXX   AND XXXX THAT IS NOT MINE
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had a XXXXXXXX XXXX  secured Credit guard when I first started college in XX/XX/XXXX. I had called and closed that account after I got accepted with a regular credit card. 

Early this month XX/XX/XXXX. I was trying to get my account bank. So I tried to login to my account using the same email and password that I had. It works perfectly fine. Then when I tried to reapply for the card it gives me a message saying that my credit is too poor. My score is Currently XXXX. 

The bank then add an hard inquiry to Equifax. When I check my credit score it was going down because of that. 

Im really in the process of building my credit and can't afford an hard inquiry Please help
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have used my Best Buy store credit card ( CitiBank ) twice this year. I noticed that I had been charged for Debt Protection twice, yet I never agreed to this service. I sent a secure email through their online service and have requested a removal of this service and a reimbursement yet I have not received a response from Best Buy on the matter. 

Two Transactions. 
XX/XX/2019 - {$0.00}. XXXX. 
XX/XX/2019 - {$0.00}. XXXX.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$63.00} XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$720.00} DEPTEDXXXX   XXXX {$1700.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$6000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, Discharged XXXX : Bankruptcy Reference Number XXXX
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a 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 XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my XXXX  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 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 ten 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 accounts 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 10 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 homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX- on my credit report it reflects I was 30 Days late in XX/XX/XXXX, but I had automatic withdrawal. Based on the supporting documentation, it shows that payment was made, but they did payment reversals on numerous dates. 

XXXX - on my credit report, it reflects I was late 30 days in XX/XX/XXXX, but the supporting documentation and phone call with XXXX representative says otherwise. 

XXXX- on my credit report, it reflects I made late payments between XXXX and XXXX. In speaking with the representative, they did not have records to verify late payments.
Complaint sub-issue: Debt is not yours

I received a letter in XXXX from a company called XXXX. This letter stated that I had a collection from XXXX XXXX in the amount of {$100.00}. I am not sure if they got my account confused with someone elses but I did not or do not owe that business any money as I had paid my balance with them the last time I visited. I also know this because I had no insurance at the time and per their policy they make you pay the amount due before they will see you. At the time service is rendered. I reached out to XXXX via a letter which I will attach below and sent that certified mail well within the 30 days. In the letter they asked me to respond within 30 days and it says plus I quote if you request to this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor. The letter date on XXXX was XX/XX/21. In my letter I stated that I would like an itemized bill because the amount is unrecognizable as I have paid my account with XXXX. My certified mail XXXX XXXX  was sent back to me with no other letter attached and was by itself in the mailbox. It was signed off as a date of delivery being XX/XX/21. Well within the 30 days of me asking for them to provide me with information on this so called debt. I sent another letter to them and after several months I only got a single letter back from them with no proof of said debt and what this debt collection was a result of in this medical office. XXXX also reported this to the credit bureaus illegally since they did not respond to me with any valid evidence as I requested and this debt was also reported to the bureaus on XX/XX/21. Which was before I even received the very first letter from them and was also reported before my 30 days I had to respond to this letter. Id like to make this complaint in hopes of this f debt that I do not owe, to fall off. I did send in a dispute letter to all credit bureaus and they agreed with me and deleted the collection from my credit. All but one which was Equifax. I XXXX also like to add Equifax to this complaint as well as XXXX. I have not been supplied the demanded proof under the doctrine of estoppel by silence, XXXX vs. XXXX  ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have attached a copy of all letters that I have sent to XXXX. XXXX did not indeed supply any proof like I have stated above. I have tried to contact Equifax several times with this issue showing that the attempt from collection was not verified as I have asked. When I have contacted Equifax they have opened my dispute several times and denied it each time. However with all other bureaus they have deleted this collection off of my credit.
Complaint sub-issue: Account status incorrect

XXXX on total XXXX and have been this way since 1990 unable to work. XXXX XXXX said that I would not have to repay the XXXX loan for my daughters education. They lied about removing this from my credit report and I just want this to go away once and for all. My health has gotten worse since my daughter has attended that school ( they are out of business!!! scamming folks out of the careers they promised ). I wished my daughter never went there to better herself.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I have had [ 2 ] fraud events traced back to Equifax data breach ; both handled by my credit union 's fraud department Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''