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

Over the last 3 years I have Dealing with Equifax regarding fraudulent information on my credit report. My credit report was duplicated, and they add lots of fraudulent information that did not belong to me. After several months fixing the problem of the duplicated report, they completed the process of separating the reports. On my report they pass many incorrect and fraudulent information from the removed report from other person. I have provided evidence of my identity of my address, police reports, etc. etc. more than 20 page of evidence and they refuse to remove the information after being provided with proof. When I call, they say its because of documentation or different excuses each time. They do not response to letter, we must spent 2 hours on the phone to talk to an agent, most of the time their system is down, or they agents hang up the phone. Also, when I disputed by fax they sent letters indicating the information was removed from the report, but they never do so and at the same time they send a second letter indicating they need additional information regarding identity. They Have from me my US passport, Drivers Lic. Concealed weapon lic, birth certificate, social security, and all the legal information needed including at least 4 address evidence on myt name. This has become a nightmare, and they do not work with customers, they do whatever they want, and each agent provides illegal information not supported by law on each call information like, Inquiries are not covered under the FCRA, we do not accept birth certificate, we do not have to remove the information after 30 days. Etc. etc. They are rude over the phone, 80 % of the calls are terminated by them when they see to many issues on the cases, or when its to early or 30 minutes before closing. 8 from 10 calls they do not have system available. Please do something Equifax is the worst company ever. And no body does anything with their illegal and ride practice.
Complaint sub-issue: Card opened as result of identity theft or fraud

I was called by a robophone saying there were my discover card, then transfer to a human and I qualify for Lower interest rate, they gave me information about 3 of my credit card number, so I proceeded to go with the loan deal they offer me, I then gave them my information, they seem to have quite a bit of numbers, ect, like my first 6 numbers my ssi number and also my address, they said that my cost was going to be XXXX, which was less than I pat in interest fees, so they ran my credit, which showed up on my credit report from my bank.they tried to run my discover card for the XXXX but I keep all my credit cards frozen until I need to use them.i then realize after i XXXX fraud that this might be a scam. i then reach out to them and they said my application for a debt consolidation was denied, but they were going to try another company. I then told them I was no longer interested, they told me it was to late and they were going to keep trying to get a loan for me, here is some of the names and numbers they gave me, customers card services XXXX XXXX, employee # XXXX, XXXX XXXX XXXX.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have had this account since XXXX. I have never missed or had a late payment. In XX/XX/XXXX, the company arbitrarily decreased my credit limit by almost 30 %. This decrease had nothing to do with my account history and has caused my credit score to drop
Complaint sub-issue: Charged too much interest

I made a purchase on XXXX {$2100.00} at Best Buy using my Citibank-Best Buy credit card. This was 18 month PROMOTIONAL PURCHASE : To avoid interest charges, I had to pay the above amount in full by XX/XX/2022. APR 25.24 % At the end of the promotional period I had a balance of {$200000.00} for this purchase. The credit card issuer has charged an amount of {$1000.00} for deferred interests just for this purchase. 

I called the bank and they gave me all kind of unreasonable answers. At the end none of their representatives was able to explain how {$2000.00} can generate interests of {$1000.00} for a 18 month period.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

tried to get a credit card from XXXX..they said that equifax had a freeze .called them 3 days with spending 3 hours or more.they keep transfer me number of timesone said that they would the freeze after 48 hr ... ... called again never removed..some of the no. areXXXX,XXXX,XXXX.andXXXX. and some more ...
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending this company letter after letter for a year already for them to verify the information they have on file. After a whole year they have failed to update that information and have wasted my time. 

On the Accounts of XXXX XXXX XXXX and XX/XX/XXXXXXXX, Equifax has failed to provide the " Credit Limit ''. This is so unfair to me as a consumer as I'm trying to get my life together how are lenders suppose to get the correct debt to income ratio. 

I have all the letters and dates I have sent. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

My bill is supposed to be available on my account. The website has been down for at least a week. I have tried to use the app to make a payment but it locks me out. I will be attempting to call and make a payment over the phone. At this time I don't know how much my payment is. I have been attempting to get online and make the payment for for a week.
Complaint sub-issue: Fraudulent loan

Ally financial they willingly new this contract was fraud and continued to tarnish my name a Reputation. They also took XXXX from me on a consumer credit transaction which shall be the sum of all charges and not comparable to a cash transaction. 15usc1605 4109.81 is owed back to me for my back payments I've made to you guys 15usc 1692 h Plus my XXXX deposit Plus the serveal violation I've marked as exhibits thatsowed to me asap. 
XXXX in violations from statements I'm demanding my title and lien for free and all payments owed to me. 

There's a cease and desist on this account you guys will also be receiving my affidavit oftruth and a invoice certified mail.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and consequently nothing to collect and/or charge off. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Debt was result of identity theft

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

I am a victim of identity theft. The fraudulent information information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previous XXXX  Loans that are in the process of being dismissed due to me not having a Highschool diploma at the time of me getting my student loans ( Ability to Benefit ) I had 3 Sub & Unsub loans through XXXX XXXX which switched to XXXX. Each Loan had 11 Late Payments which totaled 33 Late Payments across the board. 

I was informed to consolidate the loans since they were being investigated, I informed the bureaus that the loans where not reporting correctly and XXXX  has deleted the closed out account while XXXX & Equifax has not followed suit.

Since everything on my report should be reporting accurately how is it that a account can be deleted by one company and not another. I demand that XXXX  AND EQUIFAX FOLLOW SUIT AND DELETE ANY CLOSED XXXX  ACCOUNT FROM MY CREDIT FILE
Complaint sub-issue: Was not notified of investigation status or results

I am getting very frustrated in regards to my dealing with the stated companies. I have stated my truth about alleged accounts that are being furnished on my consumer report and i feel as though these companies have not done their due diligence in investigating the matter and have failed to give me proper documentation on why and how they came to there conclusion. i believe i have my rights as a consumer and i will like for those rights to be respected by the companies who pledge to respect them.
Complaint sub-issue: Debt was paid

The company XXXX XXXX XXXX sent a garnishment to my company for a student loan that was paid off around XXXX or XXXX. The loan was payoff from a tax refund offset from the IRS. The company never went to any court to have the case heard or sent me a letter about this matter the amount they trying to get is XXXX and it was back XXXX.
Complaint sub-issue: Information belongs to someone else

this is for equifax. they will not remove anything from my credit report without a copy of my driver 's license and social security card. so i am going to upload them along with a copy of ftc id theft report and police report. so that they can remove the requested items from my credit report. otherwise they told me they cant remove them without the required documentation
Complaint sub-issue: Information belongs to someone else

Equifax refusal to properly investigate the below accounts I have no knowledge or records of the listed accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please advise me as to the name ( s ) and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies in violation of HIPAA laws.
Complaint sub-issue: Their investigation did not fix an error on your report

Mortgage company is some staple policies and reporting late payments based upon the date that they post payments not the date that payments are made and according to loan notes.
Complaint sub-issue: Investigation took more than 30 days

I have reviewed a copy of my credit report and I show company FEDLOAN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

XXXX  years ago my ex boyfriend cosigned on a Best Buy CBNA credit card for me. When we broke up he said he was going to close the account so I the account so I cut up the card.. Needless to say he never closed the account and hes using the card and it's affecting my credit and I can not seem to get my name off of this, I can't even talk to anyone at Best Buy credit without knowing the account number and my ex 's social security number and I have no way of reaching him Or the account number... Please help me if you can
Complaint sub-issue: Problem with fees

I used my Citicard to make a XXXX XXXX transfer. I did not know it would be considered a " cash advance ''. I was already paying XXXX XXXX a fee. There was no notification that it would be considered a cash advance. In fact, I looked for the charge on the account on-line and it was listed there with all the other charges. There was no indication it was classified as this. The last day of the billing cycle, they changed it to Cash advance and also charged interest. If it was listed on line or advised I would have went to the XXXX XXXX office or at least mitigated my costs.Why would I pay {$13.00} on a {$80.00} transfer? When I received the bill, I spoke to a number of reps who all said they could not do anything. I was charged {$10.00} + interest. It is not the money but the fact that they are unethical and fraudulent in how they do business. I told them I was disputing and they said I could n't. I immediately cancelled the card and paid the bill less the charges I felt were not valid. Unfortunately, a merchant credited back some money and it was accepted by them If I cancelled the card, why did they accept the credit back? So it left me with zero recourse other than complain to whomever will listen. As a customer of theirs who has paid their bill on time for five to ten years or more at the very least they should have understood the circumstances and credited me. If they are doing this to me, they are stealing from everyone. There should be a class action lawsuit against these fraudulent practices.
Complaint sub-issue: Keep getting calls about my loan

I was added as cosigner on a student loan through   XXXX    XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I adde d three stipulations for the loan : 1 Interest would be paid during school to avoid a Higher amount of principle at the end of school. 2 I be notified if the loan payment is late. 3 do   not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then   National Collegiate Trust.    The  loan is serviced by  American Education Services a nd despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in  XXXX  and  XXXX  and Inspector Generals in both states as well. My credit is still effected. NCT and  AES are  the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit  held hostage  or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan )  Issue Getting a loan : Qualify for a better loan than offered
Complaint sub-issue: Card was charged for something you did not purchase with the card

I didn't make these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Please advise. Thank you. Here is the list : XX/XX/XXXX XXXX XXXX TN Gasoline {$29.00} XX/XX/XXXX XXXX XXXX XXXX   TN Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX TN Gasoline {$27.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$23.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$82.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AR Gasoline {$57.00} XX/XX/XXXX XXXX XXXX XXXX AR Restaurants {$22.00} XX/XX/XXXX XXXX XXXX XXXX   AR Gasoline {$50.00} XX/XX/XXXX XXXX XXXX XXXX TX Gasoline {$34.00} XX/XX/XXXX XXXX SC - # XXXX XXXX AR Merchandise {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX TX Gasoline {$31.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX TX Gasoline {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX   OK Gasoline {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$51.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$18.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$27.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 02653R Restaurants {$13.00} XX/XX/XXXX XXXX XXXX XXXX   CO Gasoline {$84.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$53.00} XX/XX/XXXX XXXX XXXX XXXX NM Gasoline {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX NM Gasoline {$12.00} XX/XX/XXXX XXXX XXXX XXXX   CO Gasoline {$5.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$60.00} XX/XX/XXXX XXXX # XXXX XXXX OK Merchandise {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX OK Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX OK Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX AR Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX GA Gasoline {$77.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX MS Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX AR Gasoline {$23.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00}
Complaint sub-issue: Billing problem

After falling behind in my payments, Regional Acceptance Corporation hacked into my telephone contacts and social media contacts. They contacted multiple contacts including ex husband and current boyfriend 's family and advised them that I was not making my payments and that they needed to contact me and have me call the office.
Complaint sub-issue: Information belongs to someone else

Hello I been disputing an auto loan on my Equifax report for one year and a couple month and Equifax did not never send many anything was verify with signature. I know you guys has access to my XXXX and XXXX and you can look and see there is no car from XXXX XXXX and I never this account. I see where XXXX XXXX  is on my credit report and I dont even know who that is. XXXX XXXX is on my report I never knew XXXX XXXX  had a card and I know this is a mix up because the bill was paid and I did not pay XXXX XXXX   anything because i never had a card with them. I see XXXX  XXXX   is on my report this is not me a mix and this is hurting my credit. Can you please reinvestgate and help me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XXXX XXXX, XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from Citibank XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX XXXX when I 've only applied XXXX time to XXXX. Also for XXXX XXXX there are XXXX inquiries on XXXX XXXX XXXX and XXXX XXXX XXXX when I only applied XXXX time on XXXX.
Complaint sub-issue: Information is not mine

I have contacted the XXXX about the debt ( {$75.00} ) in order to pay it off ( attempted 5 times and leaving voicemail ). They never called me back to verify debt or anything. So I take it as this debt is no longer liable by me.
Complaint sub-issue: Other problem

I had over a {$7000.00} credit balance on my CITIBANK Costco Visa card that I wanted refunded. Citibank told me they had to take three days approve my credit balance for a refund and another 7-10 days to send a check. I told them it was my money that had been refunded by Costco and did not require their approval for a refund. They insisted that it was required under federal reserve rules which is not true. I closed my account immediately and told them I wanted an immediate refund as I am no longer a cardmember. I want my credit refund and I want a fraud investigation into Citibank.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have this US Bank XXXX XXXXe card for years. There is a benefit of the card which is {$320.00} annual credit for travel/dining purchases. The definition of " annual '' is card anniversary. Since my card 's annual fee has been always charged on XX/XX/XXXX, which is also a statement date, this is what I believe to be my anniversary date. I used my card on XX/XX/XXXX on some travel purchase. But for some reason, US Bank posted this charge a few days later and wasted my previous card year 's benefit. This is very disappointing for me, especially in a difficult year like this. I would really appreciate it if US Bank could make this charge ( on XX/XX/XXXX ) to be using my previous year 's allowance, instead of wasting my benefit. Thanks a lot!
Complaint sub-issue: Problem using a debit or ATM card

We have over 90 unauthorized chargers on our USDirect Express Social Security debit card statement for a total amount of what appears to be {$730.00} dollars with 59 chargers in XXXX over a 9 day period & 37 chargers in XXXX over 2 days. All of the chargers were made to 9 XXXX accounts. USDirect Express Operator we spoke to says they can not issue any credit for these chargers. Direct Express says that we would have to get XXXX to reverse these chargers. We did fill an unauthorized charge claim with XXXX on there web site, but it was denied. & we have not been able to speak with a live person At this point we are filing a police report to send a copy to US Direct Express to see if this will help keep our claim open. When you have the opportunity to look at the chargers on the Direct Express statement the first thing you will notice is the pattern of dates, times & sites that were chartered. Please let us know what else we can do to recover this money. This is a bad situation for my family as we or on a fixed income but is also for other people. After an internet search trying to find information on the XXXX suites that had ran unauthorized chargers on our card it appears that many people are having the same issue with chargers & XXXX and getting their money back. 
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