Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I sent in a dispute dated XX/XX/2021 I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Equifax still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquiries from my consumer report. I understand that Equifax has assumed the role that they have but them disregarding me and my disputes and not following the rules of XXXX is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per XXXX guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Equifax is attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report Equifax also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Equifax did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which XXXX has drawn out, i have attempted to fix this directly with Equifax and i have been disregard
Complaint sub-issue: Information belongs to someone else

I recently looked at my credit report and found errors/things that don't belong to me on it. I disputed the errors, but they did not remove them from my credit report. 

XXXX XXXX XXXX for {$5400.00} does NOT belong to me and I want it removed from my credit report. 

XXXX XXXX XXXX XXXX for {$48.00} does NOT belong to me and I want it removed from my credit report. 

How is it that credit reporting agencies can put whatever they want on my credit report?
Complaint sub-issue: Reporting company used your report improperly

As I am a U.S. Citizen, a natural person and I am a human being and I have a right under US 15 1681. 

Equifax is governed by US 15 1681 and the violated my rights numerous times. I demand that the accounts listed below be removed because According to US 15 1681, I have a right to privacy and I did not give Equifax written permission to furnish these accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX  - Account # XXXX XXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I recently contacted XXXX via its website concerning my student loan payments. Specifically, I requested copies of my original loan documents, and an explanation as to why my monthly auto-debit amount fluctuates some months. I wanted to verify my original loan terms and amount regarding the loans taken over by XXXX from XXXX Bank and XXXX. To date, I have not received any response regarding my loan documents or the changing monthly auto-debit amount.
Complaint sub-issue: Personal information incorrect

These addresses are errors. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Company closed your account

I placed a complaint here on XXXX XXXX, XXXX about US bank closed my checking account and my two savings accounts on XXXX XXXX, XXXX, today XXXX XXXX I have n't received the checks from my two savings accounts. 
complaint ID XXXX. 
Today 's complaint is that with no reason US bank credit card mailed me two letters on XXXX XXXX advising me that they will also close my two credit cards that I have with them 12 years ago and 3 years ago. I have called and let messages to the account 's manager and number on my letters but not answer any of my calls. 
On XXXX XXXX US bank credit card sent me an email with an offer because my good standing on my credit cards and they increased my line of credit in XXXX dollars more for a total of XXXX in on credit card and XXXX in my second card. 
Today as every Friday since XXXX XXXX I went back to XXXX XXXX to ask about my money from my savings and they told me that my two credit cards are closed now since yesterday. 
This closure have to be related to my previous complaint and it is impacting me tremendous because I care a lot for my credit score, my two credit cards were in good standing and with a 100 % on time payments, As we can see US bank has personnel doing a really bad job and are destroying Loyalty customer like I am, I was really happy with US bank because the fixed my credit when I needed and they also gave me my car title before I even paid it because for my good credit they offered me an unsecure loan and I gain may car. 
Today I am frustrated, no answer in the branch and it will cost me time to fix my credit score again. 
I did and give my information when the bank needed the probe are attached.
Complaint sub-issue: Information is missing that should be on the report

XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history no payment history fcra can't just report the bad must report the good also all 3 paid in full
Complaint sub-issue: Account status incorrect

XXXX XXXX is reporting that my account is in collections/charge off. It was included in a now discarded chapter XXXX bankruptcy. I have disputed it 3 different times with the credit bureau and they have confirmed the debit each time. When I called them, they said the debit had been sold to Jefferson Capitol Systems LLC. I was never informed of this or contacted by this company about them buying this debit. When I contacted this company, they said I still owe the full amount to them ant refused to take off the balance or report it correctly to XXXX XXXX or the credit bureau. Bankruptcy case XXXX filed on XX/XX/19.
Complaint sub-issue: Their investigation did not fix an error on your report

I have on multiple occasions disputed the information that is being reported on my credit file without my permission. And each and every time, they do a robot reply that its verified. As such the wrong information is still being reported and I have been hurt adversely and it is NOT FAIR. 
According to all the credit reporting rules and FRCA, CCRAA etc... ALL information MUST BE ACCURATE. But these ERRORS are being reported without my permission and as such is a VIOLATION of all these Fair Credit Acts as well as a violation of my PRIVACY.
Complaint sub-issue: Debt is not yours

I C SYSTEM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$390.00} the collection has been reported past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed multiple inquiries on my report I do not recognize
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following XXXX Accounts has violated my rights. 

account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions i
Complaint sub-issue: Deposits and withdrawals

Good Morning.

PNC transitioned BBVA customers to their systems on XX/XX/21. Some of our accounts were migrated, but two of them were not. I contacted XXXX ( XXXX ) @ PNC on XX/XX/21 ; she acknowledged that there was a problem and that she would get those two accounts migrated. She said it would be done by XX/XX/21. This did not occur. I contacted XXXX the following week ; again she looked into it and it would be corrected this time. We still were unable to access these two accounts. On Saturday XX/XX/21, I was contacted by XXXX XXXX. I worked with XXXX all day XX/XX/21 ; the two missing accounts were finally brought over. They were brought over as 'Virtual Accounts ' and not real checking and savings accounts. We were unable to view any transactions, transfer, withdrawal, or do anything with these accounts. I sent screenshots documenting these issues to PNC. There was no change. Starting XX/XX/21 through today ( XX/XX/21 ) i have worked with XXXX XXXX. He has been unable to get these accounts corrected and gives me indication that they are correctly listed as 'Virtual Accounts '. I have explained that they are not anything like the accounts were before and we can not access anything related to them. 

It should also be noted that a week prior to the transition we lost our ability to send Bill Payments from our accounts. It has been 65 days since we have had full access & functionality to these accounts. I have spent a minimum of XXXX hours trying to resolve this issue.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On my Citibank statements every month you can see the balance due is paid off by the end of billing cycle. The purchases compared to payments always add up until the XXXX statement. I paid the card off in the amount of XXXX but Citibank somehow recharged it or didnt actually take the payment off, again looking at the statements, it proves this. I had had fraud so in the course of 2 weeks I had 3 different credit card numbers attached to the one account. During one of the many calls I made to Citibank a few employees said they seen where it was credited to one number but not removed from another. They are saying my amount due is the exact amount I paid off at XXXX. I have requested an accountant go through the last year of my charges and payments but citi bank only sent a letter telling me they consider this matter closed and will no longer address my concerns. I feel like they are committing some type of fraud to the customers. I paid XXXX, have proof if was deducted from my bank and proof it shows Citibank recharged it on XX/XX/XXXX. They refuse to look anywhere past the obvious numbers they see. I gave my credit card number in the next section however I had 3 different numbers.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This dispute is for the purchase of 2 tickets for a comedy show by XXXX XXXX on XX/XX/2020. Upon making this purchase, I was not notified of the requirement that there would be a 2 drink minimum during the event, which I was not able to afford. The attached document, Exhibit A, shows this requirement which I was only made aware of by email after purchasing these tickets. 

I had made several attempts to contact the organizer and XXXX regarding the situation before opening a dispute. I attempted to contact the organizer through the XXXX messaging system and explained the situation, but I received no response. Unfortunately, XXXX did not provide me with a record of this message, so I can not attach it. I attempted to call the organizer 's listed phone number twice on XX/XX/2020 to explain the situation, but they did not answer either time, nor was I even placed on hold. 

I do not understand why the dispute was closed in the merchant 's favor, especially given their lack of communication on the situation. Citi did not provide any reasoning for why this dispute was closed in the merchant 's favor either.
Complaint sub-issue: Billing problem

XX/XX/XXXX To Who it may concern ; This is about the consumer credit transaction entered with your XXXX XXXX dated XX/XX/XXXX and I extended that organization the credit for account XXXX. I hereby give your company ALLY FINANCIAL notice pursuant to 15 usc 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction.

ALLY FINANCIAL didnt even inform me and the cost of credit, with the ONLY evidence of indebtness was just a computer-generated agreement. According to 15 usc 1602 ( k ) the term adequate notice means a printed notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have notice it and understand its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the card holder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 us 1602 ( k ).

Furthermore, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made and uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which again is a violation of 15 usc 1602 ( p ). According to 15 usc 1602 ( p ) the term unauthorized use means any use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which cardholder received benefit.

I hereby request you do the below mentioned ; 1. STOP COMMUNICATING THIS ACCOUNT TO ALL!

2. DELETE ACCOUNT FROM ALL RECORDS!

3. A FULL REFUND OF ALL BALANCES PAID!

4. {$3000.00} check FOR ALL VIOLATIONS LISTED.

5. STOP INFRINGING ON MY INTELLECTUAL PROPERTY!

If you accept my request, I will not escalate this matter to federal court. In case, you choose to disregard and not accept the above requests, a legal action shall be taken against your company for compensatory damages. 

Thank you for you attention to this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been sent documents to verify identity for dispute purposes. I have several inquiries on my report that I did not initiate and I have submitted multiple disputes about these inquiries. I initially submitted the request in XX/XX/XXXX and followed up in XX/XX/XXXX and again XXXX XXXX. There have been no results of the investigation or any acknowledgment of the requests. I have two accounts ( XXXX XXXX XXXX & XXXX XXXX XXXX XXXX that were deleted from my credit report in XXXX and I just found out recently that the accounts have been reinserted and there was no kind of notification from Equifax that these accounts were reinserted as required by law. I have made multiple calls to Equifax and have attempted to resolve over the phone and online but I am unable to get assistance because they say they can't verify who I am. I have sent in multiple verification documents and still no results.
Complaint sub-issue: Account status incorrect

I sent a dispute letter to the three major credit bureaus to verify information being reported. Equaifax is reporting a " derogatory " account status on a PAID account. all three bureaus are reporting inaccurate and incomplete information. I have not received a response from XXXX, XXXX or Equifax,
Complaint sub-issue: Didn't receive notice of right to dispute

I received an email via the XXXX app on XX/XX/2021, that I had an important change to my report. I find that Jefferson Capital Syst made a derogatory entry on XX/XX/2021, causing my credit score to decrease substantially. I am U.S. military member. I do not know what company this is, nor have I received any form of communication prior to this entry being made on my credit report. 18 points have dropped from my XXXX  credit score and 13 points from my XXXX  credit score.
Complaint sub-issue: Account status incorrect

I have contacted XXXX XXXX XXXX XXXX after they sent me a letter and placed a hardship loan write-off from CitiBank card, buying an already charged off loan in my name, due to CitiBank card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX  XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent CitiBank card a copy of my full XXXX hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

CitiBank card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with CitiBank card after CitiBank Card refused to provide all documents. I did receive from XXXX XXXX XXXX   XXXX what they received from CitiBank card when purchasing an already closed account due to hardship, however it did not include the private court XXXX paperwork that Citibank card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through CitiBank card that was already closed. Per advised by attorney, CitiCard bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of CitiBank selling a closed, wrote-off hardship consumer loan in my name.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I.C. SYSTEM, INC Account XXXX THIS PHONE I DON '' T OWN and IT STOLEN.
Complaint sub-issue: Personal information incorrect

I was denied an application for a credit card due XXXX Report. The person that has a delinquent payment do not have the same last name as mine, and same social security as mine, XXXX  put that person in my credit report file
Complaint sub-issue: Attempted to collect wrong amount

I incurred a medical bill due to the deductible being owed, which I do not dispute. Prior to the XXXX, I was contacted about paying the deductible, which I did not have in full at the time so I paid {$500.00} of an approximate {$3900.00} deductible. After the completion of the procedure, I received the invoice for the balance and immediately contact the hospital billing department to make payment arrangements. Of an approximate {$3400.00} bill, I agreed to pay {$250.00} per month until the bill was satisfied. I made approximately XXXX payments of {$250.00} when suddenly I got a collections notice from a debt collector. I immediately contacted the debt collector, and expressed my disappointment that the bill had gone to collections, especially since I had been making the substantial {$250.00} per month payments. Nevertheless, I assumed responsiblity for the bill, and agreed to a payment plan of {$200.00} per month until the debt was satisfied in full, or of which time I was able to take advantage of a reduced offer of settlement. After XXXX payments, I happened to check my credit report, and noticed this account was reported as delinquent, and it had negatively affected my credit to the tune of almost XXXX points. I was never notified either by the hospital ( the debt owner ) nor the collections agency, that my credit might be negatively affected. And, since I had been make regular substantial payments on a debt that would have been satisfied within a year, it never even occurred to me that that might be the case. I was never late with any payments. I never disputed the debt, and did assume responsibility, and had been making regular substantial payments. Since, I was never informed that my credit might be adversly affected even in the wake of making substantial and regular payments, I feel I was deceived by the collection agency, as well as, the hospital that was the original owner of the debt. In fact, on several phone calls, I even brought attention to the fact of my desire not to have this situation negatively affect my credit rating. At no time, was I informed that this was even a possibility and was completely taken by surprise at the negative impact this debt had take on me personally. I feel the hospital and collection agency acted in bad faith, in accepting a payment plan that would have eliminated the debt in realistic time, but never advising me that payment plan would still result in a negative report on my credit. Otherwise, I would have paid much less per month as would have been less of a burden to me. However, in an effort to satisfy the debt as quickly as possible, and not be negatively affected in my credit report, I made payments in much larger amounts than was comfortable for my family and our monthly expense ratio.
Complaint sub-issue: Account information incorrect

I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with XXXX XXXX for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to XXXX, XXXX  and Equifax ; with no resolution. 
I am attaching a copy of my auto lease that I signed with XXXX XXXX along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.
Complaint sub-issue: Trouble using the card to spend money in a store or online

XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX My previous cash card expired in XX/XX/XXXX, as a result, I requested a new card. That is when my issues began. I can not use my card even though funds are available on it. As a result, I have to go to an ATM, withdraw the cash, or instantly cash out to my bank account ( To which fees are accrued ). I contacted the customer service center and the representative hung up on me after I requested a manager. This is ridiculous!