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

Last XX/XX/2021, I sent the credit reporting agencies letters notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.
Complaint sub-issue: Information belongs to someone else

I already informed you that the items included in the letter I submitted were erroneous and inaccurate. I feel betrayed because the items are still there on my report after your investigation.
Complaint sub-issue: Information is not mine

i have reported these items on my credit file to my credit reporting company ( equifax ) as these XXXX items not being mine and they have refused to remove them and have costs me {$1000.00} 's of dollars and costs me employment and mortgage loans ... .These items are XXXX BANK LOAN for {$19000.00} that is not mine and has XXXX appeared on my file in XXXX or XXXX i immediately notified XXXX bureaus and it was removed from XXXX and XXXX but equifax refused and i asked then to prove this is mine with invoices they i have signed or statements from the company or even loan docs that are for this loan and they have flat out refused my demands breaking the laws put in place by the fcra i want them to prove this is mine and they have refused my requests i will continue to file complaints until this item is removed. The other item as well is not mine and i have requested for over 2 years to remove this as this is not mine Nissan/Infiniti that is not mine and according to the fcra i requested docs stating this is mine and they refuse my requests to show these docs to me signed by me and if they cant show me the proof they must remove it according to the fcra law, they are breaking a federal law and i demand these items be removed at once or i will file a 10 million dollar lawsuit in federal court if it is not.
Complaint sub-issue: Didn't receive enough information to verify debt

CARTER-YOUNG INC at ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ) has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company Carter Young Inc. This company does not have a contract with my signature.

Also, Carter Young Inc sent me part of my medical records or personal information. I intend to make an official complaint because they have violating HIPAA and I did not authorize them and I did not sign a HIPAA form authorizing this agency to access my medical records.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX
Complaint sub-issue: Old information reappears or never goes away

US Bank shows 3 credit inquiries related to a mortgage application that I made between XXXX XXXX to XXXX XX/XX/2019. 

They had a system problem that caused me to have to submit the application 3 times. First one would not allow my social security number to be entered and I used my wife 's. They said they'd need a whole new application. They then advised I need to talk to a different dept of the bank who required another hard pull but said they'd remove the other 2. They did not.

It's OK for me to have 1 hard pull, BUT NOT 3 of them. They said they'd take care of these extra 2 credit pulls ( remove from XXXX ). They have not done this for me.
Complaint sub-issue: Reporting company used your report improperly

Sent certified letter on XX/XX/XXXX to request verification of account. Letter was received by XXXX XXXX on XX/XX/XXXX. There response was by email/online XX/XX/XXXX to ask for further detail of proof for me to verify. XXXX has not provided me the original promissory note nor signatures.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX  XX/XX/2020 Mortgage Companies - Finance : XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX  Acco XXXX # : Account Type : XXXX Account # : XXXX Collection In accordance with the fair credit reporting act XXXX account 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 An Acct without my written instructions.
Complaint sub-issue: Debt is not yours

I've been contacted numerous times by XXXX XXXX XXXX for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by XXXX XXXX XXXX. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs. 
I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I financed a vehicle through Gateway Financial back in XXXX of XXXX - since then, I have maintained an excellent payment history with them ( per the attachments below ) - never more than 1 day late. In XXXX of XXXX, I lost my job and my wife lost hers due to illness, which left us both completely out of work. Upon obtaining my vehicle, ( in which, I was rushed into signing documents and got caught in a loan that is ridiculously upside down from the very beginning ) I was told by my salesman XXXX, that if anything ever happened to just reach out to them directly and they'll be flexible with me ... ..almost 4 years later ... this was NOT the case. It has been a living horror story with XXXX  XXXX XXXX. I was able to notify and remain in good standing with all of our other creditors EXCEPT Gateway Financial. After falling on financial hardship due to loss of employment, In XXXX, I notified Gateway Financial of what happened to me and my wife - begging them for a lowered payment to try to maintain my vehicle or find out if there was any options to keep a negative impact from ruining my credit. They count the payments late but consider each month two payments because they are bi-weekly payments now versus monthly. I was in contact with XXXX XXXX ( senior account representative ) who always treated me poorly as if my financial hardship affected him directly. After speaking to him, many days I ended the phone call in tears due to the nastiness I experienced with this company. I reiterated over and over about how I've maintained an immaculate payment history with them and begged for options to avoid my vehicle being repossessed ... .after being lied to and declined for no probable cause, my vehicle was repossessed in early XXXX. After the repossession, I made contact with XXXX XXXX once again and as normal - he was very nasty to me. About 2 weeks went by without transportation, and I finally decided to call to see if there was some way of obtaining my vehicle back. Again, I spoke with XXXX XXXX and he LIED to me and advised that if I paid {$300.00} before XX/XX/XXXX - I would be able to avoid the impact of having a repossession hit my credit report and be able to hold my vehicle from going to auction. After that, I would then make payment arrangements to get my vehicle back. THIS WAS A COMPLETE LIE!!!! I have attached the proof as well. I never got my vehicle back ( it was sold ) and the payment arrangements did not stop the impact to my credit report. Gateway Financial also LIED about sending me out proper paperwork in a timely fashion, these people sent me paperwork on setting up a lowered monthly payment AFTER my vehicle was repossessed. I never received it, and I have several calls to them on a recorded line demanding my paperwork in a timely fashion. This has hurt my ability to obtain credit or move forward.
Complaint sub-issue: Debt is not yours

Citibank automation called me and it was difficult to get to a person. The recording said that I owed money and this was an attempt to collect a debt. I pressed 0 repeatedly and finally got to a person, XXXX ( agent ID # XXXX call back # XXXX ) from Citibank collections. She didnt know anything about the debt and could not locate any information. She said no manager was available. I asked her to document that I wanted no more phone calls from Citibank. After 30 minutes of my time waiting she told me I owed {$38.00} and she finally notated my account so that I would not receive further calls, she said. XXXX then told me that she would transfer me to customer service to resolve the debt claim and I waited on hold another 11 minutes and then was disconnected with no resolution. 

In XXXX I was visiting XXXX XXXX where there was a Citi branch and I went in to pay the existing Citibank credit card. I was told that I could not pay for the credit card in cash unless I had a bank account with Citi. I asked if I would be able to deposit money in the ATM to the account as I did not have Citi branches near me at my address that Citi already had for me on my credit card. I was told that I could. So I opened a savings account to be able to pay the credit card. Then Citi changed my address on file. I did not get the ATM card for a month because they changed my address on file. When calling I told them I needed a card to make a cash deposit and verified again that I could do that. I was told that as soon as I had the ATM card that I could make a deposit. I could not. I called them when I got the card and it didnt work. They spent time trying to find a branch near me. I said that I just needed an ATM that would take deposits and they said that they did not have that anywhere near me. So I said I didnt need the account as I couldnt use it. Citi did not close the account. They charged me monthly service fee of {$38.00} ( According to XXXX as I can not see it in writing ) for a savings account an did not send me notice of this. 

Citi compounds their customer service problems by having a website that it is perennially showing this notice when I sign in : 'Were experiencing a temporary technical issue. Please try again later. ' Further, when I can log in I can only see my credit card and never was able to view the savings account under my Citi accounts. 

Citibank is extorting slave labor from its customers : forcing us to use our time, phone, computer, other equipment, education, and skills to defend ourselves from attacks on our reputation and credit to escape Citibank 's unscrupulous business model dependent on fees for illegitimate bank accounts that don't work. 

So how do I resolve this attack from Citibank? keep calling them in the hopes that they will stop trying to extort my time and money? There is no accountability for these harassing tactics of Citibank that extort my time, talent, labor, and resources.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are over 60 HARD inquiries that were made over the past year without my consent or knowledge. I contacted Equifax to ask why there were so many inquiries on my credit file many of which are from the same company multiple times in a single month or a couple of months. It is quite obvious that there is fraudulent activity happening with my credit file but Equifax refused to take any action after I asked to have all of those Inquiries removed and place a FREEZE on my credit file. Neither of which has happened as recent as last week, XX/XX/2017, I received a letter in the mail from XXXX  XXXX XXXX stating that I was denied for some sort of XXXX  credit card that I never applied for. I believe that I must have been one of the millions of victims affected by the Equifax Data Breach and my information has been compromised, which is why I asked to have the unauthorized inquiries removed and the freeze placed on my account. I did not say fraud alert, I requested a credit freeze!
Complaint sub-issue: Fee problem

Citi. Bank. Refuses. To. Deposit. My. Check. Into. My. Acount. A. Third. Party. Check. Which. The. Bank notified. Me. That. Citi. Bank. Accepts. Third. Party. Checking. Deposit. And. The. Also. Refuse. To. Credit. Me. The. Fees. They. Took. From. Me. The. Charged. Me. For. The. Returned. Third. Party. Check. They. Stated. They. Accept. To. Deposit. In. My. Acount. And. Giving. Me. An. Elderly. Consumer. Very. Hard. Time. And. Horasing. Me. And. Being. Rude. To. Me. Unacceptable. Rude. Behavior. By. The. Citi. Bank. To. Me
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I am refiling complaint # : XXXX, originally filed on XX/XX/2020, as my complaint was not addressed or resolved by the response provided by US Bank Reliacard. 

My desired outcome : US Bank Reliacard communicates to me an exact date that I can withdraw the balance of my account. I am fully aware that US Bank Reliacard has daily withdrawal limits. I want to receive 3 EXACT dates that I can go to the bank to complete the maximum daily withdrawal to bring the account to a XXXX balance. 

As noted in prior complaint # XXXX, I have made many attempts with US Bank Reliacard to resolve/withdraw the balance of my account. 

As you can see in prior complaint # XXXX, US Bank Reliacard has given me dates to withdraw the account balance several times, and when I get to the bank, the transaction does not go through as promised by US Bank Reliacard.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Y XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$820.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account XXXX XXXX {$850.00} Date XXXX Dispute
Complaint sub-issue: Frequent or repeated calls

Conns will continue to call repeatedly even if payment made during grace period and even if we tell them payment will be made. It is extremely harassing and I will absolutely never purchase another item from them because of this reason alone.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2023 I was alerted that XXXX XXXX that someone was applying for a new line of credit under my maiden last name. I did not apply for new line of credit.
Complaint sub-issue: Account status incorrect

My complaint is against XXXX, Equifax, and XXXX for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with XXXX, Equifax, and XXXX U.S. Dept. of Vets Affairs said they only reported paid in full they never told  XXXX to enter a charge off on your credit report, in fact they never say charge off only paid in full. XXXX, Equifax, and XXXX how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for XXXX, Equifax, and XXXX to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal action against XXXX, Equifax, and XXXX.
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX  ( Original Creditor : 08  XXXX XXXX  ) - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Original Creditor : ) MERCHANT CREDIT - XXXX XXXX/XXXX  - XXXX XXXX  XXXX  XXXX  - XXXX XXXX/XXXX  - XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX  XXXX, I ( Original Creditor : ILLINOIS XXXX XXXX ) - XXXX
Complaint sub-issue: Account status incorrect

I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, Discover reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted Discover to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the XXXX late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.
Complaint sub-issue: Debt is not yours

I signed a lease at XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX for the following year XX/XX/XXXX-XX/XX/XXXX, I later found out that I had to move due to military orders and notified the apartment complex verbally. XXXX XXXX was the leading manager at the time and he told me that he would take care of the issue and I was fine. Turns out they still had me under the responsibility of the lease, even though another person, XXXX XXXX, moved into this same unit # XXXX during the time of the lease. I also later realized that I didnt pay any application, administration or deposit and the complex ran my credit any way and allowed me to sign a lease before getting approved. I called and they told me that they didnt have any emails or other records from XXXX XXXX because he quit. I went to talk to the new leasing manager, XXXX, and she did not provide me with any assistance, instead she gave me the number to the property manager, XXXX XXXX XXXX. I contacted XXXX XXXX through email and he asked for my the military orders and I sent them. After several weeks of no responses to my constant emails, voice mails, and text I sent a final email on the intent to sue for wrongful debt. Then and only then did another person, XXXX XXXX, call me and left a voicemail informing me XXXX XXXX XXXX forwarded her my information and also told me that the military orders are not what they are used to and told me I needed to turn in a signed form. However, XXXX XXXX has not returned any of my emails either about this form and it is getting frustrating because Ive been trying to resolve this issue for months. No one is trying to help me and this mark is ruining my credit. I never moved in, never received keys, and they allowed someone else to live in the unit that I was supposedly supposed to be paying for. This is so frustrating and I do not want to be bothered with this apartment any further.
Complaint sub-issue: Other problem getting your report or credit score

Equifax Credit reporting has made the ONLINE process fo disputing incorrect reporting from our credit reports extremely complicated. I as well as friends and family, some of the same household are getting security questions that are " supposedly '' on our credit reports that are not actually on there. If we select " none of the above '' to the questions, we are being referred to mail in our dispute which takes several weeks or make the consumer less likely to proceed with filing the dispute. 

The problem is that we ARE able to access the same Equifax credit reporting if we use a 3rd party site, even by using XXXX or XXXX who actually displays the CORRECT security questions. We have also verified from the reports that the questions Equifax is asking are not on our Equifax reports. But we are not able to dispute as it has to be done directly thru Equifax. We are not experiencing any problem with disputes from XXXX OR XXXX. We have tried at different times to dispute with Equifax but they continue to display misleading security questions with records that are not even showing on our credit reports. We do understand that some of the questions are " trick '' questions. However, NONE of the 4 questions listed are on our reports, and when we select " None of the above '' it refers us to mail in our dispute. No one has the time to mail in a dispute and wait several weeks for a response on something that is extremely urgent in the first place.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Problem during payment process

On XX/XX/21, I was notified of a payment withdrawal from my bank for my Best Buy Visa account that was not scheduled by me. The payment of {$1200.00} was stated to have been through the phone. I did not call Citibank to schedule any payment that day. I have contacted Best Buy Visa - Citibank to resolve this issue but what I am concerned about is the privacy and security issues related to arbitrary payments being scheduled on my account and maybe others. 

I would advise Citi open a Issues & Event within their Operational Risk to ensure problems related to systematic scheduling of payments does not occur in the future.