Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On the XXXX XXXX of XXXX a dispute was filed for the amount of XXXX and this is the total for several Atm transactions that appear on my statement as if i had received the money when the real thing was that i could not take money out at times because for some reason the card on times it was giving me the error of insufficient funds and or to contact the institution and it lock the account until i called them. Well anyways on the XXXX of XXXX of 2022 the dispute was filed and they asked for the papers to be signed and return which i did and the investigation started, they told me that it could take up to 45 days and that they would give me the provitional credit which they never gave me they said because at the end i did not qualify for the credit that i had to wait until there was a update. ok when the 45 days where almost up i called to check on the dispute and the rep told me that the case was still ongoing and that it was going to take up to 90 days to get a resolution and then well i got really mad because they had never explained that to me they had initially said only up to 45 days now it was up to 90 days this was ridiculous but ok i could not do anything other than to wait for the update or the 90 days whichever, was coming XXXX have been calling them every other week to check on the update and they always said they did not have anything yet to wait for the 90 days, today being the XXXX day XXXX day before the time was up if they did not have an update from the merchant they needed to put that amount back on my account well this is where i find it really absurd and ridiculous that today being the XXXX day XXXX day before they had to put the money on my account they have an update on the account and the update is that there was no error on their part that the merchant provided proof of the funds being given to me wich is not true i did not get anything and i requested for them to provide to me a copy of the proof that the merchant provided to them since i have the right for that document and the supervisor her name is XXXX from the customer service department but she is the supervisor she said that they could not provide me with any of that that the case was closed and they could not do anything about this case anymore so basically this is me loosing my money of course i want the proof because am not going to loose my money that money was not given to me at all and just because of them knowing that the deadline for the 90 days was on XX/XX/XXXX and that if the merchant did not provide nothing yet they were going to have to issue the money to, this is not right if they did this or they came to the conclusion that it was not an error and they where going to denied the claim just because they did not want to give me my money this is wrong and more wrong is them not wanting to give me the copy of the proof that the merchant provide to them i have the right to that information please help me
Complaint sub-issue: Account status incorrect

XXXX  has account number XXXX with XXXX/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  and XXXX  are not reporting this account, Equifax is reporting a status of 120 days late but does not provide the dates the account was paid late. The following accounts do not belong to me and should be removed from my credit file, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00} and Equifax is not reporting this account, XXXX XXXX  : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Complaint sub-issue: Problem lowering your monthly payments

I got a XXXX XXXX XXXX in XXXX in XXXX. When I graduated, I didn't know my options were limited to making about $ XXXX to pay off my debt, not allowing me to pay rent or other bills. So, I went to XXXX   school and got a XXXX XXXX in XXXX. I went on to become an XXXX XXXX, not realizing that the pay was so poor. Not only were the chances of getting a full-time job teaching college in my field slim, when I finally did get one it paid only $ XXXX. 

Fast forward to XXXX - I got laid off from that job and ended up getting a job in XXXX  XXXX that paid $ XXXX. I eventually switched careers to XXXX in various fields. I decided to go to XXXX school for XXXX  XXXX   to get my credentials in order to make more money. Fast forward to XXXX - I make $ XXXX a year, but now I'm about {$250000.00} in debt, a debt I never imagine ever being out from under. Lesson learned? I was daft to never realize ( 3 TIMES ) that actual college credentials would never afford me a job that would get me a high enough wage to pay off my debt and make more money. Now, I'm sacked with debt and wish I'd never gone to college. Now, I XXXX " XXXX over student debt '' and think about ruining my credit and/or having my wages garnished because that seems like a better option than continuing to pay this possibly for the rest of my life. What happens when I can't afford to pay it? There goes my chances of getting forgiveness - I take out a forbearance only to increase the debt and have that 25 year clock start ticking all over again once I do start paying it. 25 years is a long time. I'll be paying this well into retirement, possibly the rest of my life. I think of giving up. It's just not worth it anymore. Slave to debt.
Complaint sub-issue: Account information incorrect

I sent a letter to Equifax on XXXX regarding accounts reporting on my report that the collection agency could not verify. Equifax responded with " verified '' so I sent another request on XXXX to describe method of verification. 
The account got removed in XXXX, was then REINSERTED as un UNVERIFIABLE collection in XXXX. 
Per the FCRA, a credit reporting agency must provide you with a notice of reinsertion within five business days from the date of reinsertion and must be reporting ACCURATE.

1 ) they did not notify me at all that this was being reinserted 2 ) This account has no creditor, no collection agency, and is incomplete and inaccurate. 
Ive enclosed the letters that I sent, as well as a copy of the Credit report showing the original account I disputed, a copy of the credit report showing it was reinserted as unverifiable.
Complaint sub-issue: Credit denial

In XX/XX/2016 I made a payment on my auto loan on the XXXX date past the due date for my auto loan. I have talked to the bank multiple times to have the late payment removed from my credit report and my request was refused. Payments for the auto loan have been made on time all the time and there never has been a missed payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent Equifax several disputes to get inaccurate items off my credit in which they fail to correct errors and never return my green return receipt showing they received my letter certified mail XXXX shares my information with out my written consent they also never received my written consent to report anything about me which is illegal and identity theft every dispute I send in if they acknowledge it is always verified which is not accurate cause laws states that the consumer is the only person who can verify a debt so how is E Oscar or these alleged creditor able to verify alleged debts for Me when 15 u.s.c 1681 clearly say that the reporting agency are supposed to to confirm everything with me the consumer before reporting it but this company breaks the law cause of the money they receive from these alleged creditor who pays them to keep control of the consumer 1681a ( 2 ) ( b ) state that no comsumer credit transaction made with my credit which is my social security card should be a private transaction but yet in still XXXX reports this information then tell me lies or give me false information on why they can't delete meaning they fell they are above the law cause they want to keep receiving money for illegal activities which has cause me personal financial injuries
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Complaint sub-issue: Account status

In 2008 we moved out of our home in NJ, requiring the return of a cable box to XXXX. I have a receipt from when the box was returned. I tried explaining to XXXX XXXX, the collection agency retained to service this account, that I paid this amount in full but they refused to listen. I disputed according to credit bureau instructions but XXXX XXXX refuses to even investigate. This has done significant damage to my otherwise perfect credit in the past 4 years and I demand this be corrected and removed from my bureau report. I should also be compensated given their obstinacy in recognizing my case is unjustified to be in a collections status.
Complaint sub-issue: Problem using a debit or ATM card

Someone from citibank official phone number contacted me and advised me my account was effected and scammed over XXXX from my account. I have nothing now with kids to raise. They opened a dispute but are making me wait for denial/approval. Why would i not be approved when i was robbed for every dollar. i need help : (
Complaint sub-issue: Investigation took more than 30 days

Lexis Nexis is showing up on all my credit reports two bankruptcy, so i get in touch with them asking to verify these inform, they respond they got it from the Georgia Federal Bankruptcy Court- XXXX.So i send this information to the court they respond back to me with a letter saying that the Clerk 's Office does not provide information to credit reporting agencies. 
So i send them a dispute letter requesting for the bankruptcies to be removed from my report, it's been over 30 days and no respond back from them, i have all my letters that i send to them as my prove. 
Can i get some help here it's damaging my report from me having a good credit. 

Thanks XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

XXXX  reporting a account i dont own
Complaint sub-issue: Other problem getting your report or credit score

XXXX  Senior Personal Lines Underwriter XXXX XXXX notified my XX/XX/XXXX that Lexis Nexis provided XXXX  an insurance score at some point in the spring of XXXX on which basis my home insurance premium was raised according to my agent by over 10 % starting in XX/XX/XXXX. However, the information disclosed in the XXXX  notice indicates false information is being propagated by Lexis Nexis and yet no ability to receive any information from Lexis Nexis has been demonstrated to date. They have sent no response to multiple website form submittals, three letters written requesting my credit report or insurance score information mailed in large print to their address given by XXXX, or over a dozen phone calls starting with first contact XX/XX/XXXX. I have no ability to " correct '' their false information without having the opportunity to see what information on me they are selling and without being able to get a copy of my credit report after 6 solid months of trying to do so. Here are the dates on which we contacted them by phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Here are the dates on which the letters were mailed to them requesting credit report and insurance score : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Complaint sub-issue: Debt resulted from identity theft

I received a written collection notice from Enhanced Recovery Company , LLC ( ERC ) of XXXX, Florida attempting to collect a debt for XXXX. 

I followed the instructions on the collection agency letter and responded in writing in 2013 to dispute the validity of the debt. My letter included the specific statement : " This account is not mine and should be removed from my credit report. " I went to a local XXXX store and was able to learn that my social security number was among the information used to open the account. Other account information included a State of Georgia driver 's license number and expiration date, mailing address and associated home telephone number for a residence in Georgia. 

Learning that my social security number was used to open this account, I filed a police report with my local law enforcement agency and placed fraud alerts with the XXXX credit bureaus. I completed and returned the ERC fraud packet at that time. 

Now, nearly 2 years later, I am unable to obtain a home mortgage because a credit bureau still reports this XXXX account as a collection item against me ; the other XXXX bureaus previously removed this fraudulent collection account. 

I was unable to receive even a pre-qualification letter from XXXX lender due to the appearance of this collection item, even though the item includes a note that it is disputed.
Complaint sub-issue: Billing problem

My billing statement from KeyBank for a car loan does not include the number of days in the billing cycle. It includes the interest rate, and amount of interest taken from my previous payment, but does not tell me how many days were in the billing cycle. The amount of interest charged is all over the place -- often increasing for several months even though my principal balance has gone down. Credit card companies tell me how many days of interest were charged, so I can go back over the past year to see if the number comes out to XXXX. With KeyBank, however, I am not given the information of how many days interest I am charged in a month, or a year. 

I think there should be transparency in lending, and they should give me a complete picture of how my payments are calculated each month. When I called them about it, they said they just don't do that.
Complaint sub-issue: Information belongs to someone else

My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.
Complaint sub-issue: Attempted to collect wrong amount

I had a hospital bill for XXXX dollars. I am currently paying them directly. A collection agency is saying I owe XXXX for the same debt and that it is the principal amount not the interest. They are lying and trying to collect money when I paid the original debt and for far more than owed.
Complaint sub-issue: Information belongs to someone else

I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX XXXX : Fraud!

This account was open and used in florida at the time I was living and working in XXXX, Georgia XXXX XXXX XXXX : Not mine!

This is not mine and it shows up twice on my credit report
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  XXXX said they would remove inquiries they still are reporting inquires to Equifax
Complaint sub-issue: Problem with fees

I purchased a refrigerator from Home Depot in XXXX, I got a delivery of the item on XXXX XXXX, 2020. It was a XXXX refrigerator with ice maker, it takes 6-8 hours for the ice to make, it was defective out of the box. I was told if anything isn't working to report within 48 hours. Which I did, I was promised it will be swapped with another product. After changing few delivery dates, I had the non-working refrigerator replaced with another. The second one came damaged, the freezer door would not open once you load with frozen items. It had something broken in the sliding wheels, I do not know. I was again promised the store will swap, this one took way much longer. The product was out of stock. Then Finally XXXX XXXX, I received my refrigerator, the 3rd one works, it came with a missing part on the door but the manufacturer has promised to ship it. 

With all this time Home Depot was very helpful with helping me out. Home Depot did what it could to help but the store credit card which is by Citi Bank is charging me interest and finance fees from XXXX. I have called many times and the customer service refused to reverse the additional finance and late fees posted on my credit card. I like them to remove it and I am happy to pay for the product I purchased, but, without the fees. 

Please help. 
Thank you in advance. 
XXXX
Complaint sub-issue: Problem getting report or credit score

I TRIED TO GET A FREE CREDIT REPORT AND I FOUND OUT SOMEONE HAD BEEN USING MY INFORMATION TO GET CREDIT.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX 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 604 A Section 2 it Also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

On XX/XX/19 my credit monitoring company notified me that XXXX XXXX had made an inquiry on my Equifax credit report. This was a fraudulent inquiry that I did not authorize. I disputed this inquiry with Equifax because I've heard hard-pull inquiries can lower your credit score. I want the inquiry removed from my credit report. 

Equifax informed me they could not remove this inquiry because " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' That response makes no sense because in this case the creditor made the fraudulent inquiry. It's like telling the victim to contact the criminal. 

I did in fact contact XXXX XXXX. They searched my SSN in their system and assured me there was no record of any such inquiry. XXXX  XXXX told me that any " official '' or properly initiated inquiry would be in their system. This to me suggests the inquiry was done by a rouge employee or a hacker with access to XXXX XXXX 's systems. It's also possible it was a simple error ( e.g. someone simply mistyped a SSN ). Regardless, the bank should have a system for tracking ALL inquiries so that they can correct any mistakes or identify hackers or rouge employees.
Complaint sub-issue: Account status incorrect

I currently purchased from XXXX XXXX a vehicle. Some creditor denied because they say my credit score was XXXX. This information provided by SageStream LLC is totally false and incorrect. My credit score with all the mayor credit companies XXXX, XXXX  is higher than XXXX. 

SageStream which I personally did not know that even existed is providing false and inaccurate information.