Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fraudulent loan

I refinanced my car through lending club and lending club used XXXX XXXX XXXX   as the lean holder. I signed all paperwork and they sent a pay off check to XXXX the original lender. With the refinance I was promised lower interest and payment. I received notification from lending club to stop paying my previous lender. About a moth later on XX/XX/2019. I went outside and my car was gone. After dealing with local authorities because I had no cue the car was up for repo come to find out. XXXX had the car repoed because the payment where behind. I had never been late on a payment until lending club told me to stop paying them. I called XXXX to find out exactly had happed and lending club send the pay off check {$700.00} short so XXXX did not cash it they held it. I then figured lending club would correct this issue and recover the car. No thats not at all what happened. After working my way up the chain of command what they chose to do was cancel the loan as if it was never issued and let me cover the repo cost. Well I can not afford the amount of money that XXXX wants for me to recover the car. I dont understand why no one sent a letter explaining the shortage of the payoff check and I could have paid the difference before it got to the point it is now. XXXX claims they sent a notice of repo but I never seen anything. They both claimed to have called but no voice mails left and I receive 50 calls a day for telemarketers so I cant possibly answer the phone every time I dont recognize the number. I feel that lending club should have paid off the difference and just modified the condition of the loan to include the new amount. Now my car is going to be sold off in some auction. Please help me before that happens I am also seeking legal counsel and hopefully can also repair the damage they have done to my credit as well.
Complaint sub-issue: Debt is not mine

My wife passed away last month, she had a personal credit card and a personal account with Citibank. 

I also have myself another personal account with Citibank, where I receive my salary. On this specific account my wife was a co-signer. 

After she passed away, Citibank is now charging me the bill of her personal credit card. Which I have nothing to do with. 

She had no will or state. I do n't think this is correct Citibank trying to charge me of debits from her personal credit card.
Complaint sub-issue: Report improperly shared by CRC

Did not apply for a credit card with this company
Complaint sub-issue: Personal information incorrect

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Complaint sub-issue: Trouble closing card

My dol sent me XXXX in benefits to KeyBank they mailed my sister house. She lied stole card sent to my parents in Tennessee who active and set pin and stole all money. I have all proof then I file dispute KeyBank took full responsibility said they forgot cancel the card they knew was stolen and send final credits 2-3 different times to the same card that was reported stolen 3 months earlier you sent final credits 3 times to the card u knew they had. I went all way downTN filee police report I lost my apartment due to this and was XXXX  then finally they promised they would fix it sent me a .card with nothing on it and now saying they gavee.the final credits. Already I gave them all information they asked for now they're trying blame NY DOL saying their not responsible for getting me my credit they promised. Negligence on their part allowed my parents to steal XXXX dollars from the bank or dol bc they never. Cancel card and admit it was their fault. This has caused me so much heartache and trauma
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. AXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$3100.00}.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 a balance transfer in the amount of {$1100.00} ( check XXXX ) was listed on my statement along with a balance transfer fee of {$58.00} on XX/XX/2022. I did not write this check and I never had a check # XXXX. The account ended in XXXX. They have since closed this account and issued new cards. 
I have called the fraud and customer service departments multiple times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been told they are investigating it and I have been told they will remove the charges. I received my latest statement this week with a due date of XXXX and the charges are still on the account. Additionally there is a NEW balance transfer fee of {$170.00}! The account has not been used since the dispute was filed. This charge is also fraud. 
Cit Bank has not properly responded to my repeated requests. I am dissatisfied with their response, the lack of training they provide their staff, and the amount of time I have spent on this without correct resolution. 
All of these charges should be removed, the account should be at {$0.00}. 
Thank you for your help,
Complaint sub-issue: Deposits and withdrawals

My bank accounts were hacked by a scammer for XXXX dollars on XX/XX/2021. The scammer instructed me to purchase gift cards and give him the information on the back in orde to have my accounts refunded. He also wrote 3 checks for XXXX dollars to people I didn't know. He got into my phone to set up an online banking account and moved money from my savings account and transferred it into my checking account to have the money available for me to use my debit card to purchase the gift cards.
Complaint sub-issue: Company closed your account

The week of XX/XX/XXXX I wanted to close inactive account that was 16 % interest. Discovers retention dept offered 0 % for 12 months on old card. I agreed. Received new card on XXXX XXXX XX/XX/XXXX I get letter dated XX/XX/XXXX stating Discover will be closing my account. Spoke with an agent stating I had another open account. When I inquired agent would not give info about account. Spoke with several customer service reps account managers and fraud dept. one agent stated he had a pedigree. A supervisor in XXXX stated Discover can close customer accounts at any time. So because the portfolio dept didnt communicate with the retentions dept I am out a 0 % interest card for 12 months. The supervisor stated I could always apply for another card. The reason I had two cards was because in XXXX of last year I asked for 0 % again on my first card being a loyal customer they denied it so I opened new card and forgot about old 16 % card. I called today and the XXXX customer service rep was supposed to transfer me to supervisor and we got disconnected. When I asked one supervisor if I could record the conversation she said discover doesnt like that!
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, THD/CBNA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Complaint sub-issue: Deposits and withdrawals

I authorized XXXX  to save money for me and PNC is no longer allowing XXXX  to have access to my account! I've been using XXXX for years now.
Complaint sub-issue: Can't qualify for a loan

I have file several complaints with Equifax to remove the XXXX student loans accounts for National Collegiate Trust ( NCT ) because they have reached the 7 years mark of being on my credit report. Each time they wrote back stating that after the investigation of the XXXX accounts belong to me ; but my request stated that my dispute was that the accounts has been on my report for 7 years from its XXXX delinquency not if the accounts belong to me! I feel like this is a tactic of theirs by giving me the run around to be able to report debt pass the legal law requirement. I have attached the letter of dispute I sent to XXXX XXXX/XXXX/XXXX, the tracking number for proof of delivery, XXXX response credit File number Confirmation # XXXX date XXXX/XXXX/XXXX of the investigation to my request of dispute, XXXX file number XXXX XXXX response to my question regarding how long information remains on file, XXXX XXXX credit file number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT and a XXXX letter head from NCT. Please have the National Collegiate Trust ( NCT ) remove from my credit report, for they have served there serve years from the XXXX date of delinquency on my credit report. I believe NCT has an account with Equifax and that is the reason they are giving me a hard time ( the run around ) with removing the XXXX accounts NCT is reporting on my credit report. I sent the same request to XXXX and XXXX and the accounts was removed. This company has broken many law and has learn how to avoid CFPB by not being a register company. They report on my credit report as National Collegiate Trust on XXXX and AES/NCT on XXXX, American Education Services ( AES ) on XXXX but is registered as American Education Services. My complaints with CFPB in XXXX stated they could not investigate National Collegiate Trust because the company could not be found and I can not file a complaint that has XXXX names ( ie. NCT/AES ). It 's my belief that NCT is practicing fraudulent tactics and really need to be investigated fully!
Complaint sub-issue: Investigation took more than 30 days

Hello Ive sent in a dispute on XX/XX/2021 and still no repsonse this is past the timeframe. Listed are the account I placed for dispute. Right now the credit agancies are in violation of response. 




XXXX XXXX ( XXXX )
Complaint sub-issue: Account status incorrect

Upon checking my Equifax credit report just recently, XXXX   account # XXXX is incorrectly reporting my accounts as past due. First and foremost we're in the middle of a pandemic and they shouldn't be reporting at all. Secondly according to my Equifax report both the accounts are listed as an " open account '' with a closed status, which is contradictory. Last a definitely not least, in the comments/remarks section of the report they've listed this as an account in collections. I know my rights, and I fully understand that any account presenting itself as a collections account shouldn't show any type of past due balance so this account needs to be deleted from my Equifax report due to multiple false reports and statue of limitations. Ive tried disputing this account with the company already and they'e done nothing but update the accounts to show more inaccuracies. There are 2 accounts under the same account number and they both need to be removed IMMEDIATELY.
Complaint sub-issue: Reporting company used your report improperly

I called XXXX to ask questions and they did ask if I wanted to open an account, I advised to them no. XXXX XXXX XXXX  they called me and asked if I was in the market to purchase a new home, they did ask me a series of questions, not realizing they were doing a hard inquiry not only once it is showing up three times on my report. The Hard inquiries. With XXXX, I am not sure of what this inquiry is for. As for the XXXX XXXX XXXX, I do have an account with XXXX XXXX, but it is for my checking and savings account, I am not sure what the inquiry was for. XXXX XXXX I have no clue. 
All I am wanting is to please have these Hard Inquiries deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Under the Fair Credit Reporting Act. The list of accounts below has violated my federally-protected consumer rights to privacy and confidentiality under 15 USC 1681 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164.

These accounts has violated my rights. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX & XXXX XXXX, XXXX XXXXXXXX ( only reported to XXXX & Equifax ) XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019, I mailed the attached documents to Equifax Information Services, LLC. and asked that they provide an original, signed contract from XXXX  XXXX   car company. If they couldn't provide me the information, I demanded they remove the item under FCRA 609 ( a ) ( 1 ) ( A ). The returned my investigation results as the account being verified without providing me the original, signed contract.
Complaint sub-issue: Account information incorrect

I have never in my lifetime signed nor authorized for the over {$15000.00} amount of 7-8 loans which I have been saddled with for over 15 yrs, which have ruined my credit, name and life since. I only applied and signed for 2! loans at XXXX XXXX for two quarters when I attended their school for 6 months in 2007. I have submitted a Borrower Defense claim and transcripts to the Dept of Education and I have yet to receive a final word on my defense of being deceived and duped by this school. I am sick and tired of being associated with debt I never used/nor received, apart from the {$5.00} thousand that covered my classes & materials then. I will go take all involved parties and file suit in court unless this is erased from my credit and history.
Complaint sub-issue: Trouble with how payments are being handled

Please reopen my complaint XXXX as the XXXX 's response to that complaint in unsatisfactory. It is impossible for my monthly payment amount to increase when the principle is declining, the interest rate is fixed and there were no missed payments. I am certain that XXXX lacks the controls to apply my payments incorrectly.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My wife made a online purchase for vitamins for XXXX dollars this company charge my card card that amount but continue to keep charging my card. I called my credit card company as soon as I realize what was going on. And told them what had happen I was charged XXXXAfter the 1st charge I inform the card company and told them it was fraud. I have been trying since XXXX to get a refund the merchant kept giving me the run around and never refund me on cent. At first the credit card company put the money back on my card while they investigated the charges.They asked me for a receipt but I told them I never receive one it was done over the phone online. In the meanwhile in that 60 day period I never received my package so I asked the credit card company to help get all my money back. unfortunately in the 60 day time limit I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX so i missed the time i was i could not appeal and i was liable for the XXXX
Complaint sub-issue: Personal information incorrect

I applied for an XXXX XXXX XXXX which is issued through XXXX XXXX. Mind you I have two other open and active accounts with XXXX that are both in good standings. I've had them for many years. Supposedly, according to XXXX XXXX XXXX, my report is pulled from XXXX, however there isn't an inquiry on there. I later found out my consumer report was provided by a company called SageStream out of XXXX XXXX, CA. Never heard of them. They reported the following false information which is absolutely absurd to be used for credit worthiness decision purposes : Limited history of consumer at this address Date of issuance of applicant 's SSN does not match date of SSN of peers Limited history of consumer at application phone number Point # 1,  people move all the time. People buy/sell their home. People move from one rental property to another. This should not be a factor against someone. In my defense, I just bought a house. 

Point # 2, what does this even mean? I've had my SSN since the day I was born. Where in the world did they pull this ridiculous information from?! 

Point # 3, I've had my cell phone number for so many years. Why would a phone # even be a determining factor for approval?! Doesn't make any sense. 

Someone needs to really look into SageStream. To me, they come off as a fraudulent company. They have poor customer service practices and only refer you to their website. They will not assist you over the phone. The lady I spoke to stayed quiet the entire phone call and kept repeating I refer to their website which asks for your SSN. 

I am highly surprised a company such as XXXX and XXXX XXXX use SageStream for consumer credit reports. This is SageStream 's information : SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Complaint sub-issue: Debt is not yours

I received a collection letter from CBM dated XX/XX/2020 for a medical debt that does not belong to me. Attached was an itemized bill for an account number XXXX for a patient named XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, MI XXXX. The bill stated the patient had a new office visit, a XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and a XXXX XXXX XXXXXXXX. The doctor was XXXX XXXX XXXX, M.D. As a XXXX XXXX XXXX I know whos ever documentation this is, the fact that I have it is a breach of HIPAA and confidentiality. I ask that CBM immediately cease collection attempts against me for a debt that does not belong me. I have never been a patient of this physician, nor have I ever had a XXXX XXXX, or XXXX.
Complaint sub-issue: Information belongs to someone else

There are creditors listed on my credit report that aren't mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XX/XX/2019, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXX XXXX and there are several inaccuracies. 
1. XXXX XXXX XXXX and XXXX and XXXX  accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the Activity Designator. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX and XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report. 
1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC. 
2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA
Complaint sub-issue: Old information reappears or never goes away

Fraudulent account identity theft XXXX XXXX XXXXl Amount XXXX Account XXXX Date open XX/XX/18 Account was deleted but somehow continues to reappear on Equifax credit report
Complaint sub-issue: Account terms

Want to check report and I tried to answer security questions but I 've never had a home loan been needing loan and now I owe money for a home loan credit cards I 've never opened. Please help I start college in a month and need a loan laptop but now I guess I want ever get to accomplish my dreams as a XXXX.
Complaint sub-issue: Personal information incorrect

I have been requesting all three credit reporting bureaus to Delete the following Names, Addresses and Employers from my credit report since XX/XX/XXXX and since then all three credit bureaus have failed to honor my requests without any form of correspondence. I am listing the Names, Addresses & Employers needing to be DELETED below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Privacy issues

The problem is too big and systemic for Customer Service to be useful, hence filing this complaint with the CFPB. 

We have a Costco Anywhere Visa Card By Citi. My husband changed his " cash advance PIN '' for the card on the Citi website. A week or two later, we received a letter dated XX/XX/2022 entitled " Confirmation : Your PIN has been issued '' with the PIN number that he chose printed twice on it. The problems : ( 1 ) the customer-chosen PIN number is not encrypted, making fraud a lot easier ( makes us wonder : what else is not encrypted? ). ( 2 ) the company printed our PIN and mailed it back to us, which is a big privacy concern.
Complaint sub-issue: Their investigation did not fix an error on your report

I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXX 's is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on Equifax. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX, Collection # XXXX, Collection # XXXX, Collection # XXXX, Collection # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, and XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. : States consumer report must be 100 % accurate. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681 Section 605 A 1.

See Attachment of Proof of Inaccurate Information YOU HAVE 4 DAYS FOR DATE OF RECEIPT TO DELETE INFORMATION.