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

I have submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting twice on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my account.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I 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 Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation. 
Thank you.
Complaint sub-issue: Information belongs to someone else

Fraudulent inquiries outside of XXXX  XXXX from XXXX XXXX XXXX XXXX XXXX  XXXX  from XX/XX/2020 and XXXX XXXX XXXX  in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.
Complaint sub-issue: Account information incorrect

I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, XXXX, Equifax and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.
Complaint sub-issue: Other problem getting your report or credit score

I can't get my equifax credit report. I have tried logging in online and it asks me to call their toll free number. When I call them their automated system can't verify who I am. Speaking to a rep doesn't help either none of the challenge questions they have for me match my real situation. I just want my credit report so I can fix it and see what the issues are.
Complaint sub-issue: Problem during payment process

CitibanXXXX AT & T Universal Rewards World Mastercard XXXX I have called customer service many times since I found the error in XX/XX/XXXX with no action taken, some representatives have even hung up on me as they do not understand want I am disputing. They are unable to help me to get this matter resolved. I did receive a standard form letter in XX/XX/XXXX stating the payments applied correctly. They did not provide me with a breakdown of the payment. 

On XX/XX/XXXX, I make a payment of {$7300.00}. 
This payment amount was on the online payment screen and stated the following : {$7300.00} - Adjusted New Balance + Flex Plan Monthly Payment -This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance, it does not include Flex Plan payments due in the future. 

On the account there are : Seven ( 7 ) Flex Plans Two ( 2 ) Balance Transfer Offers totaling {$2000.00} that were expiring XX/XX/XXXX & XX/XX/XXXX Standard Purchase Balance of {$4400.00} accruing interest rate of 18.76 %. 

The Interest Saving Balance Payment of {$7300.00} did not apply Payments correctly on the Non-Flex Plan portion as stated. 
Six ( 6 ) of ( 7 ) Flex Plans were completing paid off The 7th Flex Plan had a principal reduction applied.

The ( 2 ) Balance Transfers Offers were not paid off The Standard Purchase Balance was not paid off but had a principal reduction applied.
Complaint sub-issue: Account status incorrect

I have a loan with MACYS/XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MACYS/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and MACYSXXXX with no successful resolution. XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Complaint sub-issue: Problem with customer service

Two respresentatives scheduled unauthorized, continuous payments of {$160.00} to be debited from my account. I explained to the last respresentative that I would not be able to make any payments on the account and she began to take down my information for the hardship program because I informed her as I did the other representatives, that I was unemployed. Between XX/XX/XXXX and today, 4 withdrawals of {$160.00} have been debited from my account with 4 insuffient funds fees of $ XXXXXXXX/each. Managers and representatives said they could not stop the withdrawals and that I scheduled the payments online. I explained to them that I have not scheduled any web payments since Ive been unemployed and that I explained to the representative that I can not make the payments and interested in the hardship program. The managers/representatives were rude and placed me on hold for long periods of time and said they couldnt stop with withdrawals even though they have access to my account after I requested them to stop.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C.1681 section 602 ( A ) states I have a right to privacy.

15 U.S.C.1681 section 604 ( A ) section 2 states a consumer reporting agency can not furnish accounts without my writing instruction
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided zero proof that I benefited from any of the transactions. 

In addition, there were two fraudulent plane ticket purchases and two fraudulent hotel rooms both booked during the same week. Discover was claiming that I was in two different places during the same week, their only explanation was that my name was on there providing zero proof of their claim. After speaking with XXXX XXXX from the executive office of discover he told me that the only way that they would open the case up is if I file a police report. I went to multiple police stations to try and get someone to write a report for me and they all said the same thing, " We do not write police reports on credit card fraud because of its international nature. '' Yet Discover continues to tell me that I need one. They have pinned this debt to my name with no worry in the world. XXXX XXXX from discover has not been helpful to resolve my issue and has not returned my phone calls. Discover does NOT protect you if you are a victim of fraud. This is my third time writing a complaint with them and its been close to 6 months since the fraud occurred, nothing has changed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.
Complaint sub-issue: Old information reappears or never goes away

The problem with Greensky Financial or Greensky LLC has been ongoing since last year, originally the company opened a line of credit that was not asked for or authorized, I only asked that my credit be checked to see if I would be preapproved, this should have been done with a soft inquiry, not a hard inquiry, this matter was reported to the XXXX and the Attorney General 's Office, the company told XXXX  that they would close the account, the company did not respond to the Attorney Generals Office, this year on XX/XX/2019 Greensky placed another Hard Inquiry on my credit report, I did not contact the company inquiring about credit, the company said that they would close the account and not make any more inquiries last year, I made another report to XXXX  and filed another complaint with the State Attorney General 's Office of GA ; on XX/XX/2019, I faxed proof to the company from XXXX listing the hard inquiry done on XX/XX/2019, the company continues to say that they did not make the inquiry despite proof stating otherwise, I disputed the hard inquiry to XXXX and the inquiry was removed, Greensky did not remove the inquiry because XXXX  removed it. I asked the company to stop calling me in my fax on XX/XX/2019, today, XX/XX/2019, XXXX called and left another voicemail asking to call her, I have spoken with her twice, I have returned both of her calls, my continuing to return the calls from the company are pointless, I asked the company to mail any information pertaining to this matter via certified mail, I advised the company yesterday, XX/XX/2019 that their continued phone calls and attempt to lower my credit score are acts of fraud, harassment and the entire matter would be turned over to my attorney, despite this, XXXX called again today, this is not only harassment, this is an attempt to defraud a vulnerable senior citizen, this has caused undue stress, anxiety and is costing me time and money to report these continued provocations. I want this company to leave me alone, close this account and make no further attempts to lower my credit score on an account that was fraudulently opened in the first place.
Complaint sub-issue: Can't temporarily delay making payments

My loan stated that if I did community service I could have for forgiveness. I not only did charity work throughout my career working at XXXX XXXX XXXX XXXX XXXX but I took a year off work as a XXXX XXXX for my husband a United States XXXX veteran instead they XXXX my child on XX/XX/XXXX and locked me out on the streets for over two years with no way out not even access to my XXXX  daughter. I get an email back saying its a private loan theyre cutting closing my case I am asking for for forgiveness for my loan I am also asking that if my husband abandoned me on the streets a month after I cosign his student loan that he take back his student loan and shove it up his XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are unauthorized inquiries on my report even though I sent a letter stating I was a victim of identity theft and would like them removed.
Complaint sub-issue: Information belongs to someone else

I checked my credit report and noticed several accounts that I believe to be fraudulent. None of these have been solicited or used by me and now they are tarnishing my credit rating tremendously. This is crippling my ability to make the moves I need to for my family like a high paying position which I am more than qualified but this is the only thing that is stopping me. My information was probably stolen due to one of the data breaches but I am not sure and still trying to figure out. Please help my family and I get to the bottom of this so we can move forward from this already thank you in advance.
Complaint sub-issue: Didn't receive notice of right to dispute

we have been out of Oregon for the last 5 years and all of the sudden today received from my employer that they were garnishing my paycheck, Had no idea of the debt. all the sudden with no notification of any debt my check is being garnished. The company XXXX XXXX XXXX refused to give me any information on the account they were collecting on which is from supposedly XX/XX/XXXX. They have threatened to charge us {$500.00} every 2 weeks if we didn't give them a credit card. Fraud!!! The will not give me a copy of the paperwork and they threateded that they. They have never given us any paperwork and refuse to. FRAUD!! This all happened XX/XX/XXXX. They have caused me extreme stress not being able to contact the proper people to see if it is even a debt of mine. they have my employer information and they certainly had a current address but failed to contact me in any way. I would like to seek compensation in the amount of {$20000.00} for undue harassment and fraud stating they have contacted me when they haven't. Also I would like there licence pulled for failing to provide me with any paperwork when asked to send it to me. I have the phone call recorded.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYFILED XXXX XXXX {$18000.00} XXXX XXXX {$3000.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought my husband a watch from a company called XXXX XXXX for {$190.00} on XX/XX/2018. My husband didn't like it so I returned it promptly to the same address it was shipped. I sent it by XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. It was received by XXXX XXXX on XX/XX/2018 and accepted by an employee name XXXX. The XXXX Tracking number is XXXX. 
After not hearing from the company I contacted them and they told me I should have got an RMA number when returning the watch. Unfortunately, I had already returned the watch to XXXX XXXX and as the Tracking Detail shows, they have it. 

Since I returned the watch and did not receive a refund, I disputed the charge with Citibank whose MasterCard credit card I used to purchase the watch. They assigned me a dispute number XXXX. 

It's important to note, Citibank failed to provide a copy of the merchant response to me. Their documentation said it was attached but it never was. I contacted Citibank several times asking for the response and their agents told me that they didn't know why it wasn't included but would send it to me. Citibank never provided this information to me. 

On XX/XX/2018, Citibank said they could not give me a credit because I had not followed the companies return process. 

This action by Citibank is unfair in that they are charging me for a watch I do not have but the merchant XXXX XXXX does ( see Tracking Detail ). Their actions also must have violated federal banking regulations in that they never provided me the merchant 's response and thus deprived me of an opportunity to respond to the merchant 's response.
Complaint sub-issue: Personal information incorrect

I sent a letter to the three bureaus regarding my personal information. Its been a 4 months since I've sent out these letters and have yet to receive any changes. Or a response from the bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed XXXX XXXX XXXX XXXX who is on my credit report as being negative. 

I have no recollection of opening a recent account with XXXX as I already have XXXX and sent Equifax a copy of my chat transcript of the XXXX representative stating that Ive been with them for several years ( I have attached the chat transcript to this message ) I asked Equifax to let me know where the account was open and if the business had a copy of the ID that was used to open The account. 

Equifax came back with the following response : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Nothing else can be seen other than it is still on my credit report! 

I have the right to know how the info has been verified as accurate!! 

The canned response received is not acceptable!
Complaint sub-issue: Their investigation did not fix an error on your report

I have been the victim of id theft. I have sent all three credit reporting agencies a copy of the police report and the ftc id theft report that was notarized. i have disputed a total of three items that were not mine with the agencies ( XXXX, XXXX XXXX and XXXX XXXX XXXX ). XXXX and XXXX have investigated and deleted all three from each report as they found it to be fraud. equifax continues to fraudulently list these as verified by my name and social ( again ... i was the victim of id theft ) and continue to blatantly commit deformation of character as they say they are accurate. how can this agency find this to be accurate while both their peers have deleted these from my reports?
Complaint sub-issue: Problem accessing account

My soc sec XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Nevada XXXX I am having issues with XXXX  and to get access to my acct I need first six statements of XXXX  or last six. The rest is XXXX man!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/XXXX-Mailed a dispute in regards to a collection for XXXX XXXX on my Equifax credit report. 
XXXX-Written dispute received by Equifax and signed for baby a XXXX XXXX. 
XX/XX/XXXX- I had not received notification from Equifax in regards to my dispute. 
XXXX-Called Equifax in regards to the dispute was informed that the results had been submitted to the online dispute portal on XX/XX/. I requested the results be mailed because the results were no longer available online and I also asked why were results of the dispute sent to the online portal since I mailed my dispute to Equifax however Was never given a response but was told I receive the results via mail in 7-10 days. 
XXXX-I still had not received by dispute results so I called Equifax again and was told again that I would be receiving the results via mail in 7-10 days. 
XXXX-I have NOT received the results of my dispute and I don't use the online portal because I've had technical difficulties with the online portal that Equifax has not resolved so I've not used the online portal for any dispute process in nearly a year.
Complaint sub-issue: Personal information incorrect

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further  notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : XXXX, XXXX  and Equifax. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$84.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX