Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive advertised or promotional terms

In XX/XX/2022 Credit Karma sent me several pre-approved credit card offers. Two were for an XXXX credit card and one was for a XXXX XXXX card. I was denied after applying which is on my credit report and hurt my score.
Complaint sub-issue: Their investigation did not fix an error on your report

To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with XXXX XXXX XXXX XXXX for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

I would like to file the claim with DISCOVER BANK, who recently closed my account without any notice. This is my oldest credit card with over 10 years billing history. I was trying to solve this issue with the bank directly, but to my surprise, they did not cooperate and stated that it is the '' business decision '' they conducted regularly. I am very confused because they did not even disclosure any of the specific reasons on why my account being closed, either give me any opportunities to explain the situation. I thought it maybe relates to my recent disputes with XXXX XXXX, which I disputed for the items returned but no refund. However, since the cases are still open, I did not think it is appropriate for the bank to close my account directly without solving the issues. Actually, The merchant has already provided the proof of return from XXXX, and the case will be solved soon ( as attached ). Therefore, I felt extremely upset and have to file this claim with DISCOVER Bank for the further investigations. Appreciate if CFPB could step in and negotiate with the bank directly and reopen the account on my behalf. Thanks in advance.
Complaint sub-issue: Deposits and withdrawals

I want to preface this complaint with the fact that I have, up until this point, had no issues with either my Etrade account services nor any customer service issues. I had initiated an online ACH transfer from my Etrade checking account on XX/XX/XXXX to fund a new account opening at another bank. There were issues at the other bank, so the account closure set off a string of poor customer service experiences related to the retrieval of the original ACH transfer at both banks. 

In addition to numerous customer service email requests and phone calls, the funds have still not been credited back to my account. The fact that an unknowledgeable customer service representative indicated that the funds will be credited within 1-2 days over a week ago, and the bank is now backpedaling regarding the need for dispute documents makes me just as suspicious of where my money currently is as I am with the new bank. When they told me today that this simple credit of the funds back to my account will take 90 days, I couldn't help but have to file this complaint for incorrect information provided by the initial customer service representative and the fact that a legitimate transaction would take 90 days to resolve.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. US BANK CONSOLIDATED Inquired on XX/XX/2020 2020
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account 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, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}
Complaint sub-issue: Reporting company used your report improperly

The Consumer Reporting Agencies AND Lexis Nexis have defamed my character and have infringed upon my consumer right to privacy. I have NEVER NOT ONCE given any verbal nor written consent to share my PERSONAL INFORMATION, including BANKRUPTCY to any 3rd parties. I called the bankruptcy court and they have plainly sent a letter back to me stating " They DO NOT REPORT, VERIFY, OR FURNISH INFORMATION TO CREDIT BUREAUS OR ANY PARTY. ". Now the question would be how did they get my information IF I didn't give them written consent AND the bankruptcy court do not report, verify or furnish information to any party. This have caused stress and harm to my name and have cause many denials in trying to support myself and my family. According to law this is illegal. They are going out fishing for consumers PRIVATE information and hardship, then selling it to make a profit to anyone they chose. I have sent in letters and have called them and it is still not removed. 

I sent letters certified to XXXX, XXXX and XXXX XX/XX/2022 asking them to delete this and show me proof that they have the permission to furnish this information. They replied back to me and sent me reports that said VERIFIED AS ACCURATE. NO PROOF was sent to me. I resent a Certified letter XX/XX/2022 XXXX XXXX, XXXX and XXXX. I called Lexis Nexis XX/XX/2022 and spoke with XXXX and XXXX. I asked who gave them permission to share my information? They couldn't answer. I kept asking and the she said they don't need permission to share my information to 3rd party people. She said if someone ask then they can give out my information. I have proof stating this information. 


XXXX, XXXX, and XXXX have been reporting inaccurate information. I have went through all three reports and sent in certified letters challenging it and they came back as verified accurate but that's not possible and they have different information on each report so its all a lie. I NEED THEM TO DELETE IMMEDIATELY.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS COMPANY )
Complaint sub-issue: Transaction was not authorized

I filed a dispute on XX/XX/2020 with PNC Bank for an unauthorized charge of {$4000.00}. I was told that I would receive a provisional credit within 10 days to my account or they would complete the investigation within 10 days. I submitted everything immediately to PNC and repeatedly called daily expressing that I had not received the credit and I submitted all documents requested and that I was in a desperate state since this caused my account to go into the negative. PNC refused to assist me during the investigation. Finally on XX/XX/2020 ( 90 days after I filed the dispute ) PNC completed their investigation and found in my favor refunding the money that was stolen from my account. However, due to the long investigation and no issue of the provisional credit I was evicted from my home, my car was repod, my utilities turned off, had to give my dog away due to not being able to afford to care for her, all my bills were late and all my credit cards were closed due to nonpayment. My son was not able to graduate high school due to not being able to complete online classes. My daughter had to go live with her dad due to having no food and no home and no funds to hire an attorney. I literally lost everything due to this. I have not been able to recover and have been homeless with no car since XX/XX/2020. PNC then held all my deposits ( including direct deposits ) and turned off my online banking access and demanded that I come into a branch and withdrawal all my funds and close my account because I started to complain to the local media. This bank has ruined my life causing me to fall into a XXXX that I can not even afford to seek treatment for.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my report now for over 5 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Florida. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others accounts. 1 was already paid and still showing a balance and the other has no info on who the collector is or how I could attempt to investigate. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX 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 XXXXThis 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 XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

My personal data was included in data breach of 2017, and there is still no way on the Equifax site to be able to delete your data with them and ensure that they no longer have access to my personal information without my consent. The class-action lawsuit has provided no relief of this kind, and the other forms of relief that have been given to the victims are not " relief '' at all a paltry cash settlement ( that hasn't even been disbursed at all yet ) and credit monitoring services... provided by the company that I no longer want to have my information. 

I did not give them permission directly to access my information, their XXXX practices and knee-jerk reactions to credit score changes cause undue stress, and when minor credit changes occur they simply melt down with a huge credit score hit without examining the facts. 

They are worthless with their security, storing customer data insecurely while also making it virtually IMPOSSIBLE for the person who OWNS that data to be able to access it quickly and easily. Their " locking '' feature is a joke, and they make you jump through tons of hoops to freeze your score. 

All in all, Equifax is a shady and poorly run company with nothing but greed and avarice driving it, and I no longer wish to be associated with them in any way, shape, or form. I also expect the company to retaliate against me for making this demand, as detailed in the XXXX XXXX XXXXXXXX article from 5 years ago, stating that the reporter should stop asking to have their data deleted ... or else. They will threaten you with tanking your credit report Any attempt to get my lenders to stop sending payment information to Equifax, I've been told, might result in my credit score being ruined because my " payments would be marked late ''. 

Denying them information is not the same as incorrect information that they are deciding to provide. I don't trust them with my information. Why are they allowed to force me to? Why is the federal government allowing them to force me to use or be part of their service? How does this gibe with anything constitutionally afforded me in the Bill or Rights? Why does Equifax 's right supersede my own? 

Please answer that last one, because I'd very much like to hear your explanation as to why it is more important for my right to privacy to be trampled on by a massively incompetent company whose security is positively atrocious and was proven in court to be inadequate and insufficient? 

I want my data removed from the Equifax services and I want their account on me ( that I have revoked permission for them to use ) to be deleted. 

I await any and all arguments to the contrary as if you would actually take my grievances to heart and do right by a citizen of this country. Instead, I know that my complaint will be overlooked and ignored because Equifax is " too big to fail '' and it's better to XXXX over the citizenry than it is to hold a corporation accountable. 

Just disgusting.
Complaint sub-issue: Reporting company used your report improperly

XXXXXXXX XXXX XXXX  have not reported that rental amount that I owed as paid on my credit report. This was paid by Alabama rental assistance. I have documentation to show as proof. This was paid in 2021 in two installments first amongst was {$1500.00} and the second amount for {$1900.00}
Complaint sub-issue: Account status incorrect

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 90 days late.
Complaint sub-issue: Information belongs to someone else

These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely
Complaint sub-issue: Problem accessing account

wrote to KeyBank to ask them if an old account is still open. They ignored me.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a collection from CREDIT COLL on behalf of XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I had a security system through XXXX. I have since left the residence and XXXX charged me an early termination fee. I never received any written documentation and any early termination fee was never explained to me. XXXX has refused to provide me any documents and/or a contract showing me where there would be an early termination fee. After several conversations with multiple representatives, XXXX told me they resolved the issue and that I did not have to worry about the termination fee. In XXXX, 2019 I was sent an email stating that I had a negative balance of {$93.00} and that XXXX had sent my account to collections. I paid the {$93.00} even though I didnt owe this amount hoping that XXXX then would take this account out of collections. I again began another round of telephone calls with multiple XXXX representatives and was told that XXXX would contact the three credit bureaus to have this negative item removed from my credit report. My credit report is still showing this line item. This is an unsubstantiated claim and I dont have any outstanding debt with XXXX. Please delete this line item from my credit report. This incorrect reporting is harming my credit score.
Complaint sub-issue: Information belongs to someone else

I Wrote letters about incorrect information on my credit report.
Complaint sub-issue: Personal information incorrect

My wife and I decided to purchase a house. On XX/XX/2020 we continued working with XXXX XXXX from XXXX XXXX on a mortgage application. He tried to use LexisNexis to identify me over the phone, but I was unable to pass the questions. The questions were worded such that someone who only vaguely knows me would probably be able to answer them correctly. But I could not answer the questions correctly because I am me, and I know the correct details. This was the third time, where I am trying to be identified over the phone with some financial institution and I was unable to be verified. 

Now, yesterday, XX/XX/2020, my XXXX XXXX was supposed to have wired money to the XXXX XXXX for closing on this house. Customer Service from XXXX XXXX XXXX XXXX tried to identify me using the LexisNexis service. They were unable to verify my identity and consequently they DID NOT WIRED MY FUNDS TO TXXXX XXXX XXXX  The representative was supposed to call me back after checking with his boss, but never did. Now we are facing delays or contractual penalties, because of a potential delay in our closing on the house. 

This morning a rep from the XXXX XXXX called me back again to verify my identity using LexisNexis. There was another question about an " XXXX XXXX. '' I do not know an XXXX XXXX. I have a daughter named XXXX, and an EX WIFE named XXXX XXXX XXXX XXXX. So what gives? If they are trying to Uniquely identify and verify who I am, shouldn't they have VERIFIED and CORRECT INFORMATION about who I am? I answered the question about " XXXX XXXX '' as if it were XXXX, my daughter, and I passed the test this time.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$160.00} XXXX/XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$7400.00}
Complaint sub-issue: Personal information

I have never lived in California and have no connections now or have ever had any affiliations with a XXXX XXXX, California Address. Please purge this from my record, because it 's fraudulent.
Complaint sub-issue: Other problem getting your report or credit score

I have been trying for almost a year to view a copy of my Equifax score and report and I am unable to. I have contacted them by phone several times sent in what they asked for and still I can not view my report and neither can lenders. I never requested for any kind of freeze or any hold to be put on my credit report. and this is information that I need because I am trying to purchase a new home. I am begging for someone to help with this because my calls and doing what they ask me to do is not getting me anywhere. I recently called and was told I would receive a email with case number and a call back and never received anything, I need access to my credit report, that is all I want. If I am continually denied access I will have hire legal representation to assist with this matter.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank has not resolved my issue with ( 2 ) {$1600.00} charges to my card. The charges were made on XXXX XXXX, 2017. Citibank has investigated the matter and has said that I am not responsible for the charges. Since then there have been ( 4 ) more debits and ( 5 ) credits in the amount of {$1600.00} each leaving me with ( 1 ) {$1600.00} charge that all parties agreed I did n't make. There are also charges of {$110.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX both of which Citibank has not investigated. I first started communicating with Citibank on XX/XX/XXXX when I first noticed the charges. I have been calling their fraud department on about a weekly basis and finally sent a secured email where I got a response that my account was correct. I have since run a full account review of my card that I have had only since XX/XX/XXXX of 2017 and found that even with the incorrect charges on my account the balance Citibank says that I owe is incorrect. I have also found ( 1 ) instance where Citibank credited me an extra {$39.00} as part of a fraud charge. Right now my card balance and transaction history is a joke.
Complaint sub-issue: Account status incorrect

XXXX  XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Complaint sub-issue: Debt was result of identity theft

The company is Enhanced Recovery co. They say i owe XXXX but i contacted XXXX XXXX and they could find my name or the account. So i asked who their collection went to and it was this company. So i XXXX it and looked at the reviews. A lot of people are saying its a scam. They all say the same date and and money XX/XX/2018. I never had a XXXX XXXX bill. That year beacuse tv was included in rent.