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

To whomever it may concern, The actions of XXXX Bank and the various agencies that have refused to address this manner are acting against Fair Credit Reporting Laws. I am attaching additional documentation for my communications with XXXX Bank. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and XXXX Bank has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with XXXX Bank, as well as the previous dispute.
Complaint sub-issue: Billing dispute

On XXXX/XXXX/16 I attempted to temporarily lift a credit freeze online with Equifax. The cost of this was {$10.00}. Equifax debited my account a total of 22 times for a cost of {$220.00} and the creditor XXXX XXXX XXXX was never able to view my credit report. When I called Equifax on Monday, XXXX/XXXX/16 I was told the pending charges on my account would not go through. Today, XXXX/XXXX/16 there were XXXX individual transactions to my account for {$10.00} each totaling {$220.00}. I called Equifax and spoke to an manager, who refused to provide her name and only an employee number of # XXXX. She informed me that the department that could issue me a refund " does not take calls ''. The employee that I spoke to previously provided the information that they would not be able to refund my account for ten days. In short, Equifax has stolen {$220.00} from me and is holding on to that money with the excuse of some kind of process that prevents them from returning it. This is theft.
Complaint sub-issue: Information belongs to someone else

Inquiry-XXXX XXXX XXXX Inquiry- XXXX XXXX Inquiry-XXXX XXXX  Inquiry- XXXX XXXX Account - XXXX XXXX I tried contacting Equifax to have these fruadulent inquiries and account removed from my credit report because immediately and my mother live in a shelter got away from my abusive dad I told them he was fruadulently using my social security number for credit I even had a alert on my account XXXX found that out removed everything XXXX as well I have the provided documentation from them in the upload I need Equifax to removed them from my credit report as well
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit report acXXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Company has not responded to my dispute
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have held the account in question for many years. In XXXX of 2018, two questionable charges appeared on my account ( {$36.00}, and {$70.00} ). Beginning  immediately, I placed calls to the Bank. The first call never allowed me to speak to a person. Subsequent calls amounted to long, convoluted, insulting, non-productive conversations with Bank representatives ( during which, " a supervisor was not available '' ). I then initiated efforts to obtain documentation of the charges via letter - sending three such letters, on XX/XX/2018, XX/XX/2018, and XX/XX/2018. The only response I received amounted to form letters asking for " additional information '' and inviting me to call the Bank again. Documentation of the referenced charges was never provided. The Bank has added fees to each monthly statement. Furthermore, the Bank has submitted negative information relevant to my account to credit reporting bureaus.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX  , XXXX. is showing on my equifax credit report twice. The company has sent notifications for removal since XXXX to Equifax and it is still on my credit report. Attached is the response from XXXX XXXX  validating the submission for removal.
Complaint sub-issue: Debt was result of identity theft

Receiving tons of robo calls from IC Systems regarding a debt that does not belong to me. Please follow-up with police report # XXXX. 

When I asked these people to stop calling they refuse to do so and persist to call on a variety of different numbers throughout the day.
Complaint sub-issue: Personal information incorrect

I have wrong addresses and phone numbers on my credit report, I have not lived at all these addresses. There should only be one address on there and that is XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX that's it. Please remove them from my credit report because they are inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

ERC ( Enhanced Recovery Collection ) continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry was placed on my credit reports and ERC never communicated in writing nor notified me that they were attempting to collect on this debt. I have never conducted business with ERC nor have I ever heard of them. 

Once I became aware of this entry, I immediately disputed this erroneous, inaccurate entry with the bureaus. To my dismay, the bureaus reported that ERC had verified the entry they are reporting. To that end, I disputed directly with ERC and to date, they have not responded to me. They have not provided sufficient documentation to prove the veracity of what they are alleging. ERC is blatantly reporting this negative entry on my credit profiles and updating them monthly further damaging my creditworthiness for an entry they violated my consumer rights in reporting. 
No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. 

Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that ERC has no intent to honor nor respond to my previous dispute ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt, this entry must be removed from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Those accounts are listed in the attachment below resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
Complaint sub-issue: Reporting company used your report improperly

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Complaint sub-issue: Account status

Equifax said : Explanation of closure I have a confirmation from Equifax " please see below " From XXXX XXXX 2016, however, this item still not reporting on my Equifax credit report. 
" Equifax has reviewed your complaint and its records regarding your dispute. XXXX XXXX should begin appearing on the credit file within the next 60 days. Written confirmation has been sent to you. ''
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the Equifax data breach and possibly placed in the hands of individuals with ill intentions.
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a mailer to apply for the Citi / Aadvantage platinum select credit card. 
The terms on the offer clearly state " EARN 60,000 AMERICAN AIRLINES AADVANTAGXXXX BONUS MILES AFTER SPENDING {$3000.00} IN PURCHASES WITHIN THE FIRST 3 MONTHS OF OPENING YOUR ACCOUNT. AMERICAN AIRLINES AADVANTAGE BONUS MILES ARE NOT AVAILABLE IF YOU HAVE RECEIVED AMERICAN AIRLINES AADVANTAGE BONUS MILES FOR A NEW CITI AADVANTAGE PLATINUM SELECT ACCOUNT IN THE PAST 48 MONTHS. The same terms are listed clearly on their website - https : //creditcards.aa.com/citi-platinum-card-american-airlines-wand/? utm_medium=referral & utm_source=aa & utm_campaign=ccpage I accepted the offer and was approved XX/XX/XXXX. I met the requirements for this bonus XX/XX/XXXX. I previously had applied for this card XX/XX/XXXX and received a sign-up bonus on this card XX/XX/XXXX, so I met the terms of it being 48 months from the last time I received this bonus. When I called Citi bank they told me I wouldn't qualify because I had the card open in the last 48 months. I told them it doesn't state that anywhere! Not on their website, on the application, not in the disclosures. That is a bait and switch making up rules where I wouldn't qualify that aren't made known anywhere, and when based on the mailer I received and the application page of their website I have met the requirements and would qualify for the sign-up bonus. This is unethical behavior! My sign-up bonus should be honored!
Complaint sub-issue: Account information incorrect

EQUIFAX Reports : XXXX XXXX - Date Last Active XX/XX/XXXX, which makes it past the Statute of Limitations. 

*This account was purchased from another company. The opened date is Inaccurate and is reported wong as XX/XX/XXXX, when the last active date was XX/XX/XXXX and way past the Statute of Limitations. The creditor XXXX XXXX is practicing unlawful collection practices and trying to re-age the alleged debt. 

*I Disputed this account in XX/XX/XXXX and they re-aged the account that is Past the Statute of Limitations and made XX/XX/XXXX as the Reported Date to make it appear as a new item. 

All of these Violations are against the Fair Credit Reporting Act. 

I have been turned down for a Mortgage because of Equifax and their unlawful Reporting Practices.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the 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 is not information relating to any transaction by the consumer. 
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
Complaint sub-issue: Account status

XXXX XXXX XXXX XXXX ( hospital ) incorrectly billed me for procedures that did not occur and then sent those incorrect charges to a collection account. I advised Equifax and provided documentation that I did not owe the hospital, they refused to remove the collection account. The XXXX XXXX XXXX XXXX finally resolved the issue in my favor and told me that they would remove the collection account. They sent me a letter to that effect dated XXXX XXXX, 2015. I was told to allow Equifax XXXX days to remove the collection account. Now, since over XXXX days have passed, Equifax has STILL not removed this uncalled for negative rating. I was recently denied credit by XXXX XXXX and have a letter from them indicating Equifax still has not removed the collection account from my record. This has caused me a great deal of embarrassment and distress trying to deal with a company that is completely unresponsive to reporting the truth and has soiled my credit rating without cause.
Complaint sub-issue: Information belongs to someone else

XXXX : Dear Sir or Madam/To Whom It May Concern, On XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In XXXX  your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in XXXX ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within XXXX XXXX or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called HUNTER WARFIELD ber. Please update XXXX XXXX XXXX XXXXXXXX we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.
Complaint sub-issue: Information belongs to someone else

I have just received several different credit monitoring alerts from my identity monitoring service, ( see pics attached ) alerting me that my personal info is still be sold, used and transferred for use on the black web, I have completed a complete FTC ID THEFT report along with a local police department report and several other documents with proof of my address at times fraudulent accounts were opened and created. I am afraid that equifax is continuing to allow these very same thieves to report inaccurate invalid accounts to my credit report, one of the addresses that I just received the alert on is connected to one or more of the accounts that equifax continues to report under my name, for which I have never lived at the address. once more I demand that these fraudulent accounts not be allowed to be entered onto my credit report. all of the other bureaus including third party agencies have all removed and stopped these fraudulent creditors equifax continues to report the following invalid accounts that have been also removed from the other credit reporting bureaus but not equifax XXXX XXXX # XXXX XXXX XXXX # XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

THE HOME DEPOT/CBNA - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX XXXX - Past due report - {$83.00} {$2500.00} Open balance {$5000.00} Credit limit Problem- CitiBank continues to charge me for this card even though Home Depot has asked me not to pay until the dispute has been resolved. Home Depot Case ID : XXXX Dispute Amount : {$2500.00} Date Submitted : XXXX This card is in dispute pending when the XXXX  I purchased from Home Depot functions as intended and passes county inspection which it has failed. I only made one payment before Home Depot asked me to stop making payments until this matter was resolved. 

On XX/XX/2022, I ordered a XXXX  from Home Depot for {$6500.00} and XXXX installed it. I paid {$4000.00} in a debit card and charged {$2500.00} to a Home Depot credit card issued by CitiBank. Shortly after installation, I noticed that the system was not cooling. I called XXXX and was told to give it a few days. On the XXXX of XXXX, I sent an email after several calls notifying them of the system 's failure to cool. They sent out a representative, but the issue was not fixed, I called again on the XXXX and then sent an email. In the email, I asked that they remove the system from my property, and they sent a technician instead to work on the system. XX/XX/XXXX, I filed a complaint with the XXXX, the company was notified and agreed to fix the problem. XXXXXXXX XXXX XXXXXXXX continue to blame the XXXX  and send out technicians even though the system was not cooling. XXXX, XXXX admitted to installing the wrong size system which according to them should have been a XXXXXXXX XXXX instead of a XXXXXXXX XXXX 
XXXX finally re-installed a new XXXX XXXX  to fit the size of the home, but the system was still not cooling as intended. During installation, the technician mentioned that the pipe had not been properly installed. They changed the air blower too because of airleaks which had caused my electricity bill to more than doubled in cost. 
Last month, they changed the system again to a XXXX XXXX and failed an inspection from the county. 
Here is a list of the issues pending to pass XXXXhe county inspection - Need to reseal supply plenum and check coil panel, can feel air leaking into garage. XXXX [ ] Equipment size increased from XXXX ton to XXXX ton, need to provide manuaXXXX XXXX XXXX calculations, XXXX XXXX equipment selection, and XXXX XXXX  duct sizing. XXXX, XXXX [ ] Garage does not meet requirement as unconfined space for XXXXXXXX XXXX. Need to provide combustion air from exterior. XXXX [ ] Need to verify furnace air flow meets minimum per manuf. instructions, see page XXXX. XXXX. 

I will like CitiBank to connect with Home Depot and stop charging me on this card. The installation of a faulty XXXX  has not only increased my electricity bill by double, but it has also caused me sleepless nights and health concerns. 

Thank you!
Complaint sub-issue: Deposits and withdrawals

on XX/XX/XXXX I deposited a check with the amount of XXXX XXXX later that night when I logged in to my account I saw that my checking and savings aren't showing up and I was thinking there is a glitch .so then I waited until the morning and still the amount didn't show up. I call customer service and then they advised me there is a block on my account due to invalid check that I deposited on the amount of XXXX $ and there is nothing she can do. I then called again on the XXXX and asking the rep again what is going on. 
and all this was after I called my friend who wrote me the check I asked my friend to contact the bank to make sure the check is okay. 
my friend called the bank and the bank told her the check is valid and asked citi to contact the bank to verify. 
I called Citibank again and asked the rep to called XXXX XXXX XXXX to verify the check. 
the citi rep called and come back on the phone and told me the check is verified. the citi rep told me he is going to put a note for the back offie to reverence my account closure and removed the block. 
a day later I called again and still my account is blocked with no access to my money. 
they every single rep telling me that my relationship with citi is over and they are no longer servicing me. I have a screenshot of the check on the amount of XXXX $ has been cashed out from my friend account. so how can they do that to me and not giving me access to my account when the check is actually cleared by the other institution also every time I called I've been treated like a criminal. 
I am way beyond frustrated, I've been calling several times asking for a supervisor and no one called me. 
please help me
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX XXXX is my primary bank. It has been my primary bank since XXXX. I have one current loan for the amount of XXXX. 

However, Equifax is showing a loan for the amount of XXXX from XXXX. It is showing negative on my credit report. I have never had a loan with XXXX for this amount. I made contact with XXXX and they have sent to all credit bureaus this information is incorrect. However, XXXX is reporting this on a current credit report and on XXXX 

I would like for Equifax to verify all accounts with XXXX. I do not want them to use XXXX. This agency is reporting incorrect information on my credit report. They have information from XXXX which should not be reported at all.
Complaint sub-issue: Contacted me after I asked not to

Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for 9 years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting inaccurate information to my payment history for an account. 
A XXXX act # XXXX closed account is reporting : ok - XX/XX/2020 60 days late - XX/XX/2020 ok - XX/XX/2020 60 days late - XX/XX/2020 90 days late - XX/XX/2020 There is no 30 day late prior to both 60 day late charges. 

I have attached a screenshot from the equifax website with blatant error.