Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Unexpected increase in interest rate

Today is XX/XX/2020 
The Federal Reserve cut interest rates to a low of 0.25 ( basis points ) over a month ago!!! 
No credit card ( bank or financial institution : including, VISA, MC, XXXX XXXX, XXXX, XXXX, Discover, XXXX XXXX, XXXX XXXX, XXXX, etc. ) wants to hear, listen, show interest, or negotiate, lowering the already staggering and very high interest rates ; some as high as 27 % to 30 % interest rates on revolving credit cards. 
This is up surd especially when the country is in an economic slowdown, market crash, soon to be a depression. We are currently confronted with a 5.2M unemployment count and only getting higher. Therefore, no jobs, people without incomes, and some even with no food to eat. Federal and State unemployment offices unable to keep up with applications. The IRS also unable to keep up with relief checks, and many businesses playing it by ear in a waiting game to see whether they will ever be able to reopen their businesses.

Many people are overdrawn in banks, unable to pay rents and other basic necessities.

The circumstances are dyer and all the while the richer gets richer and poor gets poorer ....!

CFPB, What can you do to stop the bleeding? How is that one can refinance a mortgage or a car note, apply for a forbearance and even put a stop payment on basic expenses like utilities?

Why is that credit card companies are allowed to continue to accumulate interest on top of interest, collect late fees, and even overdrawn fees? Why are they excluded from helping others, especially when the country is phasing a pandemic? Why are CREDIT CARD companies so special??
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, DEPT OF ED / XXXX account # XXXX balance of {$1000.00} DEPT OF ED / XXXX account # XXXX balance of {$2300.00} DEPT OF ED / XXXX account # XXXX balance of {$5100.00} XXXX XXXX XXXX XXXX. 
account # XXXX balance of {$3600.00}. These have 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: Billing problem

XX/XX/2019 my recurring payments were stopped without my knowledge and. A result my credit report now shows a missed payment. Once discovering this I made the payment before the next one was due and continued every payment thereafter on time. Im disputing this late payment and would like it removed from my credit history.
Complaint sub-issue: Was not notified of investigation status or results

I recently wrote to Equifax via certified mail, disputing information that I did not recognize and or find to be accurate on my credit report. The letters I wrote to them were left with an agent of the company per XXXX tracking. Afterwards, more than 60 days later, did not receive any indication from Equifax that the disputed information was under investigation, nor did I receive any investigation results. I gave them plenty of time to get back to me. I do not believe a proper investigation took place for the following items : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, I am concerned that my right to privacy is being violated. I have no idea how these companies obtained my personal and nonpublic information such as my social security number to be able to furnish the information that they are reporting. I have requested documents from the companies above, and to this day, I have never witnessed any physical documentation baring my signature, nor did I receive any clear and conspicuous disclosures that were allegedly signed by me consenting to opt into reporting, which I have requested. I just want to make sure everyone is following the law and that you, the supervising body of the XXXX XXXX XXXX, are helping to ensure that my right to privacy is being respected, as well my right to fairness and accuracy. I am requesting that the accounts be deleted due to these matters. I do not consent to E-Oscar.
Complaint sub-issue: Account status incorrect

Is a Bankruptcy court file in my Credit Consumer what is not true And after I go to the Bankruptcy Court of Phoenix and speak with the Clerk they mentioned the Credit Bureau never check with the Court for authentic letters Also the Court will never provide any letters to the Credit Bureau
Complaint sub-issue: Personal information

XXXX my addresses is incorrect I do not or never did live in XXXX XXXX New Jersey and the second XXXX is my employment is XXXX I am a XXXX and I work for XXXX
Complaint sub-issue: Transaction was not authorized

on XX/XX/2021 my PNC Bank online banking was hacked and a fraudulent wire was sent for {$19000.00} from my account. The bank investigated and said there was no error on their part and wont refund the fraudulent transaction. In a XXXX sentence letter they said the case is closed and I am out {$19000.00}. This is beyond unacceptable and caused a multitude of hardships in my life.
Complaint sub-issue: Information belongs to someone else

There is a creditor that I have listed in my complaint in which I have no idea who it is, or how they got my information. I don't know this account whatsoever and I demand that it needs to be removed immediately. I contacted this company and I am not getting any responses from them, nor do I have a signed contract with them. This needs to be deleted asap!
Complaint sub-issue: Their investigation did not fix an error on your report

On several different occasions I disputed inaccuracies with Equifax due to XXXX XXXX  reporting inaccurate information. The only thing Equifax has done each time is send back letters saying account was verified and one time they changed the charge off month from XX/XX/2020 to XX/XX/2020 after I disputed a third time. Each time I sent out letters to Equifax I explain the inaccuracies of XXXX XXXX  and Equifax has failed me each time to investigate properly. Attached is evidence that is is clear that XXXX XXXX account is causing more damage to my credit report. Everytime I dispute they dont fix the error and it just lowers my credit score again. How is this fair to me. Under Fcra as a consumer I have rights also for credit report agencies to report accurate information. There is no need for me to give further detail as Equifax should know the laws. Not only did Equifax not fix the disputes I requested for removing the charge off they didnt even provide a method of verification of how they verified my payment history. I do not want this to be updated again. As I said Everytime they change a month my credit drops from the dispute. Equifax needs to remove this paid charge off with the incorrect payment history across all three major bereaus. It was never a charge off from the beginning. Insurance paid this account before the charge off was reported so why should I keep suffering for XXXX XXXX  mistake that Equifax has failed to fix on multiple occasions. Delete this account completely. I will seek legal counsel if Equifax does not completely delete this XXXX XXXX  account for their reckless reporting. I have provided enough proof which I shouldnt have to continue to do. Charge off dates amounts are not even correct. XX/XX/2020 charge off has XXXX  balance on two credit reports while on another credit report the XX/XX/2020 charge of balance has {$930.00}. This is so stressful. Delete this before I also sue to recover damages for this not being handled after multiple letters to Equifax. Thankfully I still have my dispute letters and so called verifications that Equifax mailed back to me. They claimed they verified my payment history but its clear that have not.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX 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 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Public record

XXXX has stated that I owe a balance on an account. I has submitted dispute about this account and claim of inaccuracy. I had to resubmit my current address and information that verified my identity with Equifax after I sent that information in XX/XX/2016. This upset me tremendously because my information was not processed.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I tried calling Direct Express myself 6 to 7 times. I was either cut off or couldn't understand the person. I called regarding two withdrawals one in XX/XX/2019 and one in XX/XX/2019 that I did not make. I went to the Social Security office for help but was told to call the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I called the XXXX and made an appointment for XX/XX/2019 On XX/XX/XXXX, I met with an Elder Benefit Specialist to call Direct Express. When she called, we were not allowed to be on speaker phone. I am hard of hearing and the accent of the person was hard to understand. The customer service rep did NOT allow the Elder Benefit Specialist to use the speaker phone. He talked to her directly and had a hard time understanding. I gave permission for the EBS to talk to the rep. the rep told her he had to call an XXXX # associated with the transaction. She was unwilling to anything else. 
I would like these charges/withdrawals that I did not make credited back to my account. I asked for a paper statement and it is being mailed. 

XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

According to the Fair Credit Reporting Act, XXXX XXXX XXXX is in violation of my rights, this corporation is reporting transactions on my consumer report. According to 15 U.S.C 1681 2A states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. I have contacted this company to remove this account from my consumer report and they have not fulfilled my request. 15 U.S.C 1681 also states that an account can not be furnished without my written consent. This account is currently on my consumer report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called the bureau to remove inquiries that I did not recognize from my report they refused and proceeded to tell me that the inquiries were correct.. It was also several variations of my name, addresses, and phone numbers that were not mine on the report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 XXXX 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 .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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Debt is not yours

XXXX EQUIFAX EQUIFAX DISCLOSURE DEPARTMENT XXXX XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : Collection Agencies Name XXXX XXXX XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , PA XXXX Account : XXXX To Whom it May concern : Please be advised I have requested validation ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violate my rights according to HIPPA. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above name original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. This is my second letter and I encourage a response from you expeditiously.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, DEPTEDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account completely from my XXXX XXXX : XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, PLEASE CORRECT ALL BUREUS, ESPECIALLY EQUIFAX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A States that I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Complaint sub-issue: Need information about your loan balance or loan terms

First, there is no way I can find to contact MOHELA right now -- they never answer the phone and I can't find any other way to contact them. 

MOHELA says I owe over {$430000.00} on three separate loans. My FSA account says I only owe about {$240000.00}. The information does not agree. What is the true amount? 

XXXX split my XXXX loan into TWO parts is what XXXX told me. Then XXXX told me MOHELA would have to fix it. I should be getting some form of XXXX or XXXX, due in part to spending most of the time since XXXX in some kind of forbearance or hardship deferment, but if the XXXX  forgives only {$240000.00}, will MOHELA still bill me for " the rest? '' I would like the information to at least agree. 

By the way, I " only '' borrowed around {$130000.00}, the rest of that balance is interest capitalized from spending years and years in forbearance. XXXX kept me in forbearance for at least ten years in a row from XXXX through XXXX. I'm in the XXXX program and have been public servant since XXXX.
Complaint sub-issue: Debt is not yours

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I've been disputing this account as fraudulent 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
Complaint sub-issue: Reporting company used your report improperly

this is in regards to Equifax 's data leak from their web application reported by XXXX on XXXX XXXX 2017, and that you were listed as a potential victim
Complaint sub-issue: Other problem

Elan Financial Services has placed an account on my 3 credit bureaus that is not mine. I am a victim of identity theft. This account is not mine. A hacker stole my personal information from the dark net because of the XXXX Data Breach
Complaint sub-issue: Can't temporarily postpone payments

I attended XXXX College XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The school is a fraud, the program I attended was a scam XXXX XXXX XXXX, I was promised a XXXX XXXX XXXX degree, in which I can not even use because the school is not accredited. Now I am required to pay this bogus loan back. This is absolutely absurd please assist me with exposing how this school scammed the US Department of Education Loans for students to take out money to help them with a degree and right after this school is closed.
Complaint sub-issue: No notice of investigation status/result

The following companies performed hard inquiries into my credit without my knowledge with damaging consequences to my credit report. When i contacted each the response was always a ) they wanted more personal information b ) they blamed someone else c ) were unable to help me by removing them : XXXX XXXX XXXX XXXX, XXXX XXXX. WONT REMOVE UNTIL XX/XX/XXXX.,XXXX # XXXX, Credco XXXX XXXX XXXX, XXXX XXXX . # XXXX XXXX WONT REMOVE UNTIL XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with CITIMORTGAGE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CITIMORTGAGE with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted dispute to remove unauthorized accounts on my credit report and have yet to receive my results or the response requested in my dispute. It seems like the company is verifying accounts without proper investigation. Please see attached docs and act accordingly
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have XXXX XXXX credit card, and I added another XXXX XXXX card on my account for my wife. We have received the card on XX/XX/2021 and activated it right away. We have found out that there were credit inquiries made by CREDCO, twice on XX/XX/XXXX and XXXX. This duplicated inquiries greatly, adversely affected my credit score. We believe that it's mistake from their side or at least unfair to do so. To fix this, we contacted XXXX teams, resulting in being bounced back and forth. We have talked to XXXX credit bureau, new account team and benefit team multiple times, each one of them keep stating that it's not their job to fix such problem.
Complaint sub-issue: Old information reappears or never goes away

I had filed XXXX XXXX XXXX  in XX/XX/XXXX. The bankruptcy was set to come off this year. I had relinquished a car in the bankruptcy. On XXXX, it was showing 7 years was up on car through XXXX XXXX in XXXX of this year. I disputed it through XXXX. Next thing I know, they got upset and reported me as late on equifax now and showing XX/XX/XXXX instead. I did not have that car long at all. I dispute the fact that it was that long. It should be over. 7 years has passed and now they brought my score down by XXXX points. Please help me resolve. Let me know of anything I can do on my end.
Complaint sub-issue: Information belongs to someone else

Equifax has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately removed.
Complaint sub-issue: Personal information incorrect

Equifax has me listed as XXXX XXXX XXXX XXXX XXXX XXXX  transunion let 5 XXXX inquires in 3 days call me crazy but XXXX only needs 1 XXXX XXXX  sent the application that was a business of mine i'm the ceo  never was thtere XXXX XXXX said they had me on camera but i'm sure that's a hippa violation bace on race
Complaint sub-issue: Debt is not mine

I have been consistently receiving calls from this company on and off for 5 months. I have told them to cease & desist. This is a scam company that I never did business with & do not owe a balance. I have already received notification by the IRS that some tried to use my identity. This company harasses me, my family & associates as well as contact my job. They have made threats repeatedly