Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

In early XXXX of 2021, my insurance company, XXXX informed me my home insurance rate would be increasing by nearly {$400.00} because credit information provided by XXXX determined that information they had gathered negatively impacted my XXXX XXXX. 

I was astounded since I have always paid bills on time, paid cash for everything except XXXX houses and have no debt. I could only conclude this was a case of misinformation or identity theft. In my 47 years with XXXX, I have never received such a notice. 

I immediately wrote Lexis /Nexis on XX/XX/2021 at the address XXXX provided, along with a reference number provided by XXXX XXXX I mailed the letter return receipt requested. The letter was received by Lexis nexus on XX/XX/2021. There was no response to my request for my report. 

On XX/XX/2021, I wrote lexis/ nexis again, requesting a credit report .This was also mailed with a return receipt requested. Records indicate lexis /nexis received this request on XX/XX/2021. Again I received no response. 

This time I also copied XXXX with my second request and included a cover letter explaining why I thought the credit report was inaccurate, and that XXXX had 47 years of me as a client to determine whether I paid my bills on time, had suffered adverse effects due to bankruptcy etc., since they also handle my bank accounts, as well as other insurance needs. This was also sent with a return receipt requested. 

I also requested that XXXX contact me in writing with their response, because I wanted a record for my files and also because I wear XXXX  XXXX and phone calls mean a lapsed time connection where I live.This letter was also sent with a return receipt request. 

On XX/XX/XXXX, person named XXXX from XXXX contacted me by phone ( never mind my request accommodating my XXXX ). After a discussion, he filed a digital request for my credit report on a XXXX portal and told me lexis/nexis would send my report in 5 to 7 business days. I have still not received the report. I can not address any credit issues without this report and continue to be impacted financially with higher insurance rates.
Complaint sub-issue: Problem lowering your monthly payments

Since XXXX of XXXX, I tried to defer my XXXX XXXX  and the loans of my husband ( I am the co-signer ) with AES. We had a deferral for XXXX months, when we tried to extend it then all the problems started. AES was unclear and lacked consistent feedback for deferral. We consistently called to clarify and tried to provide all the information in a timely fashion. We were refused a reduction and deferment for the loan because the lack of clarity overlapped with the need to make a payment. Because we did not make XXXX payment between the initial XXXX deferment and the submission of an entire XXXX application, we were not even considered for reduction or deferment status. At this point, we could not make the payment. We are making small payments, and are now in default and behind. As a result, both of our accounts have been reported to credit agency because we are late on payments. I am still not working ( mos XXXX ) even though I have been looking and trying to find a job. I have other student loans that have easily deferred my payment. The AES process was very XXXX XXXX, time-consuming, and lacked any consideration for me and my husband time and intent. The AES process is layered with ambiguity, disingenuous promises, blame XXXX XXXX XXXX XXXX and consumers ), and deceit. I have had great credit and paid my bills on time for 30 years. I have more than XXXX files regarding this and they have them. I am not wasting my time to resend what I sent them.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

ON THURSDAY X/XX/2017 I RECEIVED A DISPUTE RESULTS LETTER IN THE MAIL FROM EQUIFAX. I CONTACTED THE COMPANY BECAUSE OF THE CONFUSION THAT THEY HAD ON THE PAPER IT LISTED TWO ACCOUNTS WITH THE SAME ACCOUNT NUMBER ONE OF THE WAS DELETED BUT THE OTHER WAS NOT. I ALSO HAD TO HAVE A CONVERSATION WITH A REP BY THE NAME OF XXXX, A SUPERVISOR BY THE NAME OF XXXX AND A REP FROM THE " OFFICE OF CONSUMER AFFAIRS '' NAMED XXXX. I BEGAN TO ASK ABOUT THE VERIFICATIO PROCESS OF DISPUTES AND THIS IS WHAT I WAS TOLD. " THAT INFORMATION IS SENT ELECTRONCALLY AND WHATEVER THE CREDITOR SAYS THEY PUT T ON THE CREDIT REPORT '' I BEGAN TO ASK XXXX " SO EVEN IF THE ACCOUNT IF FRAUDULENT AND THAT CREDITOR SAYS ADD IT TO THEIR ACCOUNT YOU ALL JUST DO IT '' HER RESPONSE WAS YES!! SO I ASKED HER TO PLEASE TRANSFER ME TO A SUPERVISOR BECAUSE THIS INFORMATION COULD NOT BE RIGHT. WELL XXXX THE SUPERVISOR CONFIRMED THIS TO BE TRUE. THE DIFFERENCE S THAT XXXX WAS VERY APOLOGETIC AS IF SHE KNEW THAT WHAT THEY WERE DOING WAS WRONG BUT THAT SHE WAS JUST FOLLOWING THE RULES SET BEFORE THEM. THIS LADY KEPT APOLOGIZING TO ME. I FELT SORRY FOR HER SO I HUNG UP WITH HER AND CALLED BACK AND ASKED TO BE TRANSFERRED TO THE OFFICE OF CONSUMER AFFAIRS AND I WAS AND I SPOKE TO A GUY NAMED XXXX. HIS REPSONSE WAS " IT WILL VERIFY AS ACCURATE EVEN IF IT IS NOT ACCURATE '' THIS IS DISTURBING. FAST FORWARD TO ME HAVING TO CALL THEM AGAIN AND I GAVE THE REP MY CONFIRMATION NUMBER AND SHE LOOKED UP THE INFORMATION AND I ASKED HER IF A CERTAIN ACCOUNT WAS DELETED BECAUSE ACCORDING TO THE ACCOUNT NUMBERS IT SHOULD HAVE BEEN DELETED SO SHEWAS SNAPPY AND I ASKED HER TO TRANSFER ME TO HER SUPERVISOR AND SHE JUST LEFT ME ON HOLD. SO I CALLED BACK AND ASKED TO BE TRANSFERRED TO THE OFFICE OF CONSUMER AFFAIRS AND A GUY NAMED XXXX ANSWERED. I BEGAN TO TELL HIM HOW XXXX XXXX XXXX  SHOULD NOT STILL BE LISTED ON MY ACCOUNT BECAUSE THEY SENT OUT THE INFORMATION TO ME AND THEM TELLING ME THAT THEY HAD SENT THE CREDIT BUREAUS THE INFORMATIO TO DELETE THE FRAUDULENT ACCOUNT. SO I ASKED HIM ABOUT ANOTHER ACCOUNT THAT THEY SAY THEY " RESEARCHED AND SAID WAS MINE AND I ASKED HM WHAT WAS THE PROCESS AND HE TOLD ME THAT HE COULD NOT DISCLOSE THAT INFORMATION TO ME!!! NOW ON THE LETTER THAT EQUIFAX SENT ME IT SAYS THAT IF I REQUEST I WILL BE TOLD THE PROCEDURE OF VERIFICATION BUT CAL DENIED IT ALSO IT SAYS IN THE FCRA THAT I HAVE A RIGHT TO ASK AND RECEIVE NFORMATION ABOUT THE VERIFICATION METHOD. EQUIFAX HAS CONTINUED TO DENY MY RIGHTS AS WELL AS BREAK THE LAWS OF THE FCRA. I AM CONSIDERING MY LEGAL RIGHTS AT THIS TIME BECAUSE THINGS ARE NOT LINING UP AND SURELY NO AMOUNT OF MONEY IS WORTH EQUIFAX GOING AGAINST WHAT THE FCRA LAWS SAY. I WILL NOT CONTACT THIS COMPANY AGAIN BECAUSE I AM TIRED OF HEARING ALL OF THE THINGS THAT THEY ARE NOT DOING. THIS HAS GONE TO FAR. FCRA 611 GIVES ME THE RIGHT TO ASK AND KNOW ABOUT THE VERIFICATION. AND THE ONLY REASON I CAN THINK THAT THEY WILL NOT GIVE ME SUCH INFORMATION IS BECAUSE THEY REALLY DO NOT DO AN INVESTIGATION.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information is not mine

Summary : I am demanding that Equifax remove XXXX account XXXX from my credit report. Instead Equifax is ignoring the will of the court and placing undue burden on me by demanding I have a lawyer contact them in writing demanding removal of the account. 

Details : Equifax is publishing a XXXX Revolving Line of Credit account ( ending in XXXX ) that XXXX Count District Court ruled on XXXX XXXX 2016 was not my responsibility. In addition I was awarded {$5000.00} in consequential damages for the continued reporting of that account by XXXX XXXX ( reference attached XXXX County District Court case number XXXX ). Equifax was received proper notice of the case in XX/XX/XXXX and proper notice of the court findings and judgment on XXXX XXXX. Equifax acknowledged receipt of the findings and judgment on XXXX XXXX. I talked to an Equifax representative on XXXX XXXX. Despite proper legal notification of the court finding that I am not responsible for this account Equifax has refused to remove the account from my credit report. Instead, I was told I would need to have an attorney contact them in writing to have the account removed. It is my understanding that consumer credit bureaus are obligated to abide b court rulings once they have received proper notice. I am filing this complaint because I believe Equifax is attempting to improperly avoid it 's legal obligations by placing an arbitrary, undue and expensive notification / escalation burden on me that I am not legally required to fulfill.
Complaint sub-issue: Problem getting your free annual credit report

As a result of the COVID-19 pandemic, XXXX has allowed consumers one free credit report from each of the three major credit reporting agencies each week. Every time I go to the web site, I am able to get my reports from XXXX and XXXX  Equifax fails each time to produce my report -- I get the following message : " Online Delivery Unavailable. 
We are not able to deliver your free Equifax Annual Credit Report online. '' I am confident I answered all the verification questions properly -- the answers are obviously on my other credit reports. For example, on or about this date, which credit card did you open? 

The following are the dates I have tried to get my Equifax credit report online via XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

There are probably other dates as well, but I don't have them documented. The XX/XX/XXXX date is when I called into Equifax, the let the know of the problem I was experiencing, and to ask them to send me a copy of my report. If I recall correctly, the representative said I should have no problems accessing my report online going forward. I tend to believe this is an Equifax problem. From what I have seen online, I am not the only person experiencing this problem.
Complaint sub-issue: Account status incorrect

Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.
Complaint sub-issue: Investigation took more than 30 days

Hello I reviewed a current copy of my credit report and I placed disputes to have inaccurate or fraudulent information reviewed. I have not heard back with any results and it has been more than 30 days per the FCRA. I am currently now being violated.
Complaint sub-issue: Account information incorrect

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn this matter over to an attorney.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information. They never responded to me at all.
Complaint sub-issue: Investigation took more than 30 days

Investigation took more than 30 days. letters were sent out on this date XX/XX/22
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 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: Information belongs to someone else

My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 XXXX  XXXX accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility XXXX XXXX is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX  AUTHORIZED USER NO CARD XXXX XXXX ... XXXX AUTHORIZED USER
Complaint sub-issue: Problem during payment process

I made {$4700.00} purchase with a Citi credit card since I opened the account. {$7200.00} were paid from bank accounts. After the payments, the account has been carrying - {$2800.00} balance. I requested to refund the overpaid part, but never received it. On XXXX XXXX, 2021, Citi reversed {$5000.00} credit, without refund to bank account, making me carry {$2400.00} debt on my account. 

I contacted Citi about the reversed payments, no clear answer was ever provided, and their explanations did not match with the statement. If the payment reversed, at least it should be a refund to the bank account. Now the {$5000.00} goes to nowhere and made me carry the debt with no clear answer.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/2022 there was a Hard Credit Check. Someone fraudulently opened a Discover Card using my name, address, phone number, and I believe Social Security Number. I phoned Discover when I received notice of a change of address to a card I did not apply for, I had just received the card. They apparently cancelled the card after my phone call, and the situation was referred to their fraud department. I received I put a Credit Freeze on my Credit Report through XXXX, XXXX, XXXX and a freeze through XXXX on XX/XX/2022, after there was another Hard Credit Check.
Complaint sub-issue: Account status incorrect

XXXX   XXXX     2017, My  mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract  XXXX .     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency   XXXX   XXXX   so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 business days for the investigation to be completed.       XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would ta ke 60+  days for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still be  60-90  days before my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.
Complaint sub-issue: Account status incorrect

MECHANICS BANK HAD REMOVED THIS ACCOUNT FROM THE CREDIT FILE BECAUSE THIS ACCOUNT WAS IN A BANKRUPTCY. AFTER THE BK WAS DISCHARGED MECHANIC BANK RECENTLY ADDED THIS ACCOUNT BACK TO THE CREDIT REPORT AS OPEN AND DELINQUENT.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Trouble getting, activating, or registering a card

Over the past 30 days i have called customer service 6 times. First time they answered and assured me they were sending a replacement card. 2 weeks later still no card. I have called 5 times since then and 2 times i was on hold 2+ hours no answer. Other time an hour no answer. I have had 3 deposits on my card and can not accese my cash. Im livid and need my cash. Please help.
Complaint sub-issue: Reporting company used your report improperly

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.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to XXXX, Equifax, and XXXX. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute for an erroneous charge from XXXX for {$320.00} on XX/XX/2019. After following up with Citi, the deadline for contesting XXXX 's response to my dispute. I called on XX/XX/XXXX and a Citi representative indicated that I could have an extension on the deadline of XX/XX/XXXX for supplying supporting documentation. I called on XX/XX/XXXX to follow up, and was told that my documentation had been received too late and that no extension could have been granted since the federal government regulates the dispute process. 

For this reason, I contacted XXXX directly and was issued a refund. The refund was issued to and received by Citi on XX/XX/XXXX. I was informed by Citi that the refund would be processed in 7-10 business days. After this time passed, I followed up and was told something was wrong and the refund would be processed in 7-10 business days. On XX/XX/XXXX, I called Citi again and was told that the refund would be posted in 2-3 business days. On XX/XX/XXXX, I called to follow up and was told that an exception had been approved on XX/XX/XXXX, but that my refund would not be posted for 7-10 business days. I do not believe that my refund will post ever after being continually delayed by Citi Bank.
Complaint sub-issue: Was not notified of investigation status or results

What happened here is I sent out dispute letters to the three credit bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/XXXX of 2020. Today is XX/XX/XXXX of 2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.