Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I booked a room reservation via XXXX for XX/XX/XXXX using my Citicard XXXX. Due to the pandemic, I notified Citicard on XX/XX/XXXX to dispute charges and cancelled my booking for the reservation # XXXX at XXXX. On XX/XX/XXXX XXXX informed me that they made a mistake on the cancellation and offered me a voucher. Since XX/XX/XXXX I have tried to contact both XXXX and Citicard to resolve the issue as I was being charged interest on the booking charge. 
OnXXXX  I finally got through to a human at XXXX and they are " reviewing the case '' and assigned # XXXX and told me it would take up to 4 weeks to resolve. 

On XX/XX/XXXX I finally got through to a human at Citicard and they refused to credit the interest charges on the {$120.00} charge. 

As of XX/XX/XXXX the interest charges for the cancelled reservation amount to {$73.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Around XX/XX/2021, fraudulent purchases were made on a wayfair credit card linked to wayfair my account on wayfair.com. There was an amount for {$760.00}, {$400.00}, and {$410.00} made on one day. I noticed these purchases from an email the following day. I reported these claims and they were resolved, but they have reissued the amount back to my account stating that I am now responsible. There is clear poof that I didnt not order these items by the name used and the location there items were sent. With the quick response I provided to the issue these orders should have been prevented from shipping and the transaction should have been canceled but the response team did not act in the proper accord to secure their assets and create a worthy customer fraud remediation. I am now stuck with a bill of almost {$2000.00} dollars that i did not authorize. I am also paying interest on an account that guaranteed 24 months not interest. 

This experience has been displeasinf for them to respond this way 60 days later.
Complaint sub-issue: Information belongs to someone else

I disputed a collection account from XXXX XXXX XXXX on XXXX, Equifax and XXXX credit reports. So far I have heard back from XXXX stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked XXXX, XXXX and Equifax to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.
Complaint sub-issue: Personal information incorrect

I contacted Equifax regarding incorrect information on my account back in XXXX and most recently ( XXXX XXXX. On multiple occasions, I was asked by the credit bureau to validate my identity using a secured link to send a copy of my driver 's license and social security card. The link provided never works and when I asked for alternate verification methods, I was asked to verify my identity using incorrect information on my consumer report. When I stated to the agents on numerous occasions that the information is incorrect, I have been hung up on or told " we can not help you ''. I was instructed yesterday to fax my documents and they would process it within XXXX hours. Upon sending the documents via fax, I contacted the company ( Equifax ) who told me they would not process the documents until XXXX days and they wouldn't update my information until 30 days later. 

In addition to being part of the XXXX XXXX XXXX, I was not able to update my information last year due to the same issues experienced yesterday. I asked for a supervisor and my request was denied and then told " we are unable to help you. We also will not file a complaint on your behalf ''. This company is malicious and does not help their customers.
Complaint sub-issue: Information belongs to someone else

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}
Complaint sub-issue: Old information reappears or never goes away

Nelnet keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at Nelnet my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as Nelnet is  doing illegal collecting and reporting porting practices to all three credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card company isn't resolving a dispute about a purchase on your statement

I charged a rental at XXXX XXXX and was not allowed to rent the vehicle. The date was approximately XX/XX/2020. XXXX had charged {$160.00} to my card. I disputed it with Citibank who initially credited the charge but reversed it after XXXX advised them of their no refund policy. I then turned my attention to XXXX who assured me on several occasions that they credited -or release the authorization as early as XXXX XXXX then again on XX/XX/XXXX. I have yet to receive any credit on my credit card while both Citibank and XXXX are pointing fingers at each other. After speaking to XXXX Customer service on XX/XX/XXXX and a supervisor by the name of XXXX at XXXX called left a message assuring me that a credit would be on my credit card within 3 to 5 business days. As of today XX/XX/2020, I have yet to receive the credit. The case number of this escalated matter at XXXX is XXXX. 
XXXX from XXXX advised in her message that XXXX can't cancel the policy nor issue any correspondence to the fact that they issued a credit, therefore, I have no other evidence other than the message left on my voicemail that a credit would be issued.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Debt is not yours

XXXX XXXX ( XXXX XXXX ) is considered as fraud to me I have contacted Equifax to remove this account because its fraud which has been reported to me and was removed from XXXX & XXXX, I have contacted them a few times about this account.
Complaint sub-issue: Other problem getting your report or credit score

Equifax is refusing to allow my lender pull my credit for a pending mortgage, we are supposed to close in two weeks.
Complaint sub-issue: Their investigation did not fix an error on your report

REFERENCE : CFPB # XXXX I initiated this dispute on XX/XX/XXXX regarding the continuous delays in updating my credit file based on information sent from the consumer and the company. Equifax responded to the referenced CFPB complaint accordingly on XX/XX/XXXX : COMPANY 'S INTERIM RESPONSE *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history/contact regarding the item ( s ) listed in the complaint but no recent dispute history/contact was identified. *Equifax will mail the results of the reinvestigation within 30 days. 

THIS INFORMATION IS INCORRECT. Equifax has executed up to 3 disputes/reinvestigations regarding XXXX XXXX XXXX ( Account # : XXXX # XXXX ) in the last 30 days and they STILL HAVE NOT CORRECTED THIS INFORMATION. To report that there are no recent dispute history is a flat out falsehood and is bordering on fraudulent business practices to report otherwise. I confirmed today that the reinvestigation 'is still open ' according to latest rep that I 've spoken to this month. 

CFPB needs to take more steps to confirm what I already know and have reported versus simply logging their response. Require that they send a copy of my most recent credit file which will indicate that they have still not updated this account. The issue is the lack of timeliness yet you feel that 60 days for resolution is acceptable. The law indicates that CRA 's have no more than 15 days to resolve a dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. I INITIATED THIS REQUEST FOR A CRA UPDATE ON XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( ii ) can be considered an adverse action. 


Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX Collection : XXXX XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX DIST XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX, NJ XXXX Inquiries XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX, CT XXXX Inquiries XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX OF 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: Attempted to collect wrong amount

I was planning on purchasing a new home in the country. I inquired about XXXX XXXX and was told that I had 30 days to try out XXXX XXXX. I had it for less than two weeks when I decided to cancel and go to a cheaper plan with XXXX XXXX for TV and internet. I am a single parent and wanted to get the best deal possible to help save with monthly cost. I was not informed at the time of cancellation that I would owe them a fee for cancelling services, the only thing that I was told is that I needed to send the equipment back in which was done. A month or so later I received a bill from them saying I owed them hundreds of dollars for cancelling early, it was only 10 days into the service. I told them I was willing to pay for my service but was not going to pay a fee because I was told I had 30 days. I decided to go with XXXX XXXX whom also stated that I had a 30 day window and that I could cancel if not satisfied with the cable and internet service. I ended up moving out of the house after realizing I just could not do it by myself with XXXX children. I cancelled XXXX XXXX before 30 days and sent back the equipment as requested by XXXX XXXX. They ended up trying to charge me a cancellation fee as well. I did pay them what was owed on my bill and told them that it was stated that I had 30 days to cancel and that I had just been through this with XXXX XXXX so I made sure this would not happen with them if it did not work out. Now both of these are on my credit report and I need help getting them removed. They will not take it from my credit report. I have tried offering them a settlement amount, but that does not seem to make them happy. I have never bought a house and I am trying to do that in the next year for my children and I. Like I said I am willing to pay for the TV service that was used, but I should not have to pay hundreds of dollars for simply cancelling my services. I sent in all equipment as requested.
Complaint sub-issue: Account status incorrect

I had an accident on XX/XX/2018 my insurance company payed to have my vehicle fixed the dealership which I bought the truck from receive my truck to fix it or to give me a new one. Unfortunately my truck was sold from under me and now XXXX XXXX its reporting I still owe on a vehicle I dont have. The vehicle was never repossessed or voluntarily returned. This account is saying open but it should be closed and off of my credit.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought a washer and dryer at beat buy XX/XX/XXXX for a gift for my mom got them deliver and when they arrive we couldnt find a connection for them so I called and have them picked up so I could return them witch they did and I waited XXXX weeks to make another purchase and I bought a phone and a television I payed what I had bought last witch was the tv and phone and still owed the washer and dryer for called Best Buy to try to fix it and they didnt want to help because they told me I had to get in contact with citi witch is the finance so I did I put a complain XX/XX/XXXX and they denied it saying they are charging me for delivery fees witch its the same amount as what I was going to pay for the washer and dryer
Complaint sub-issue: Not disclosed as an attempt to collect

I received a phone call in early XXXX, 2016, from an unknown number. The woman on the line made a very brief statement about me needing to provide her with payment information in order to resolve a balance with " ERC. '' She made no official statement to identify herself, or her employer as a collector attempting to settle a debt. I asked her again who she was calling on behalf of, and she again said " ERC. '' I responded, saying that I had no idea who ERC was, or why I would have any outstanding balance with a company I had never heard of, and had no intention of making payments on a balance that I do n't own. She then terminated the call, without having made any attempt to clarify the name of her employer, or that she was making a legal attempt to collect a debt. No further attempts of contact were made. One week later, on XX/XX/2016, a collection was filed on my credit report under the name Enhanced Recovery Corp.
Complaint sub-issue: Deposits and withdrawals

I started my direct deposit which will starts on XX/XX/20. I figured since I close out my other account I would setup my PNC account to my XXXX XXXX so that when my XXXX daughters who are in college need money I can get it to them quickly. Now, its blocking me from linking my account. I'm very unsatisfied and if I'd known that I could not link my account I would have stayed with my prior banking institution.
Complaint sub-issue: Information belongs to someone else

Greetings : It's been over 20 years of negative reporting on my credit report. 
The problem concerning this issue has to do with XXXX, which will not fix this problem. 

I'd requested information about the person that's using my name somehow and has a car in my name. I do not own a car and never have. XXXX was warned not to give nor share any information about my account using my SSN at anytime. They are not authorize to do so! 

I would like the head of this company or any other legal personal to look into this matter!
Complaint sub-issue: Public record information inaccurate

on XXXX XXXX, Equifax is reporting incorrect information. I am very frustrated about it because they are not fixing this issue. The date of my bankruptcy XXXX XXXX is in correct on XXXX XXXX. it is reported that the date filed is XX/XX/XXXX. I did not file for bankruptcy on that date. I filed for bankruptcy XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.
Complaint sub-issue: Trouble with how payments are being handled

I received a letter from XXXX XXXX XXXX saying my student loan was in default for {$9300.00} and immediately responded on XX/XX/XXXX by certified mail, return receipt, disputing that I hadn't payed the loan with the following letter : To whom it my concern : I dispute the validity of this debit, in whole, as it was paid off XX/XX/XXXX as demonstrated by the enclosed payment logs from Nelnets website, the provider/administrator of the loan. I have never received calls, e-mails, or mail or any communication regarding this loan not being paid. 

Please rectify your clients mistake immediately as I am XXXX, retired and on Social Security, which is threatening to take my benefits. 

Your immediate attention to this matter is greatly appreciated. 

I received no response, yet knowing they received the letter by the certified mail and return receipt On XX/XX/XXXX. 

The collection notices kept coming, so I turned the matter over to the MN State Attorney General Office. Working with the AG, at this time, there has been no response from Nelnet or XXXX XXXX XXXX. XXXX XXXX XXXX since has started taking my Social Security Benefits.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX, XXXX. XXXX 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish your account without my written instructions
Complaint sub-issue: Information that should be on the report is missing

I have been working for my company for the past 9 years and none of it shows on my credit cards report. How do I fix this?
Complaint sub-issue: Information belongs to someone else

There is a XXXX Mastercard account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact XXXX and they were unable to locate this account.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax a few weeks ago letting them know that I had been a victim of identity theft and they refused to remove these inquires. I am contacting them again with the information they requested to have the remaining things deleted.