Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

Equifax has been hacked and my information has been compromised. I do n't want to apply for their credit monitoring service because it will make me opt out of any class-action lawsuit or other means of holding them responsible for any damage in the future. I tried to use the free yearly credit report from the government XXXX XXXX XXXX and I was unable to access my report for Equifax, and instead have to mail in a request which is inconvenient. 

I also have to pay money to freeze my credit reports with all three major monitoring services, when this is entirely Equifax 's fault and therefore their responsibility. Having to freeze my credit and then thaw it whenever I need to use it is another inconvenience which is entirely Equifax 's fault. 

Equifax should be able to provide my free credit report online like the other monitoring services were able to do, and they should be monitoring my credit for any suspicious activity, free of charge and without having to sign an arbitration clause or class action waiver. 

They are responsible for any potential identity theft or fraud using my name or likeness and should be taking more responsibility to protect consumers who have had their personal information stolen.
Complaint sub-issue: Problem accessing account

Pnc Bank not sending account information to XXXX.
Complaint sub-issue: Banking errors

BBT bank is claiming i owe them XXXX. I HAVE NEVER RECEIVED ANY ''BILL '' A STATEMENT IS NOT A bill you XXXX XXXX and yu probably discharged it to my social security trust account like you do to everybody else, BBT bank also SOLD THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE BECAUSE IT HAS VALUE, THESE ARE XXXX LIAR CRIMINALS,, I NEVER RECEIVED A ''BILL '' OR A SWORN VARIFIED COMPLAINT OF ANY WRONG DOING
Complaint sub-issue: Received bad information about your loan

In a response to a CFPB complaint, I received the following response on XX/XX/18 ; ... your request to exit IBR has been cancelled and reversal of interest capitalization is in process. Also, you have been approved for renewal of IBR effective with the XX/XX/2018. 

After a period of waiting for the reversal of interest, I emailed the company on XX/XX/18. Ten days later, on XX/XX/18, I was told the following : Unfortunately we are unable to uncapitalize the interest since this application was processed as per your request.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a charge and cancel the service the next day within the merchant cancellation date. Called Citibank, credit card company, to dispute claim and they would not take dispute until posted. I used the mobile app in which it does not give me a selection to say I never receive merchandise so, I selected return. After speaking with customer service in dispute center I faxed in my cancellation contract. Next notice I received from Citibank is that they have resolved the case and reverse the charges to my card. I called an spoke to a supervisor and as the letter said, trace over contract and state whether I received items or not. I sent in a new fax Monday and supervisor called Thursday that a fax was not received. I faxed in another copy and then called merchant to get cancellation receipt and faxed in another copy of the trace over cancellation contract, a statement that I have not received any items and, cancellation receipt from merchant. I am unable to resolve this issue with Citibank dispute center. I have also mailed in a copy of the cancellation of contract to Citibank.
Complaint sub-issue: Reporting company used your report improperly

I have contacted XXXX XXXX on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but XXXX XXXX is still allowing my report to be accessed. 

I need these Inquiries removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX Please Remove XXXX XXXX XXXX Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record
Complaint sub-issue: Reporting company used your report improperly

Equifax exposed my personal information on file in a security breach. It was clearly not properly secured, and now I 'm exposed to possible identity fraud and need to take both time and money to do due diligence to protect my assets and credit.
Complaint sub-issue: Attempted to collect wrong amount

I took out a payday loan in the amount of {$800.00} during the pandemic last year & fell behind on the payments. I let XXXX  XXXX XXXX  know that I had just lost my income & needed to setup a payment extension on the amount, but they told me they needed full payment. I explained that due to COVID that I was waiting to get unemployment & they wouldnt halt collections efforts on the account. They sold the debt & the Third Party is wanting {$1700.00} to remove the debt from my credit report
Complaint sub-issue: Was not notified of investigation status or results

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy / XXXX / {$0.00}
Complaint sub-issue: Debt was paid

ERC, sent a letter about a XXXX XXXX XXXX  bill not paid, i received letter, then sent a check for {$700.00} in XX/XX/2021, now they are saying bill was never paid, i have proof of payment, I need this resolved
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed 6 disputes on 9 accounts with Equifax. Each time, they have updated the accounts with inaccurate information.

These accounts were from the U.S. Department of Education. The accounts were paid in full through consolidation on XX/XX/XXXX of 2018. They are still reported as Currently in Collections through Equifax. I have contacted both the U.S. Department of Education and Equifax on several occasions, with the last contact taking place on XXXX. They refuse to correct the issue. The Department of Education asserts they do not report on closed accounts. Equifax states that The Department of Education is reporting the accounts each month as " in collections. '' The Department of Education states this is not true. Equifax refuses to investigate or correct. They state they are investigating, and then update the account to show currently in collections and change the " as of '' date to whatever date they investigated. I am a federal employee and CAN NOT have an account showing as in collections. I am trying to purchase a home and this is also preventing me from doing so, as it reduces my credit score each time it is updated incorrectly.
Complaint sub-issue: Debt is not yours

I was contacted by XXXX XXXX XXXX, as a reference for someone else. The person gave me an address of where he lived when he was XXXX XXXX XXXX. I did n't know him then. I felt like I was being badgered by XXXX different people over a debit that is not mine. XXXX phone number is XXXX
Complaint sub-issue: Indicated you were committing crime by not paying debt

XXXX XXXX and XXXX are reporting payment increases to a closed account which had the wrong information to begin with. And is a menace to my quality of life. They are allowing this company to deliberately drag me financially. When the pandemic was the cause
Complaint sub-issue: Unable to open an account

I am living in XXXX, NY, and I simply want to open a checking account in Sterling National Bank. I have visited 4 XXXX Branches in the past week, but there was no banker willing to help me at all. So I would like some one from Sterling National Bank to contact me directly to help me open an account successfully.
Complaint sub-issue: Attempted to collect wrong amount

I was offered a settlement for 50 % via mail on 2 different occasions. As I called to verify if I was able to collect on that I was told that they never did settlements and the payment had to be in full. How is that so if I was offered it twice via mail on 2 different occasions? He promptly hung the phone up on me and when I asked to speak to someone else he told me that's was denied.
Complaint sub-issue: Company closed your account

I already filed one complaint with the CFPB ( COMPLAINT ID XXXX ) and will be adding this new complaint against the same group ( CITI BANK ) who sent this most recent letter adding more unethical practices and malicious behavior to the former complaint. Additionally, I be taking this to both LOCAL and NATIONAL news channels as CITI BANK has further made unethical and malicious practices against a customer during COVID-19 PANDEMIC who has a perfect payment history with them. Moreover, I am looking into things that I can do with my on staff attorney about any ambiguous clause CITI BANK may think they have where they can ask me to bring forth a payment that is roughly 60x ( YES 60X ) my minimum payment. I have NEVER had a PAST DUE amount with CITI BANK in 10+ years. 

Details : CITI BANK is demanding I make a {$12000.00} MINIMUM PAYMENT which is absolutely not a legal business practice or within my terms for a personal revolving credit line where my current balance is roughly {$18000.00}. My MINIMUM PAYMENT of {$510.00} in XXXX and was not only made in-full ON TIME but I actually paid {$1300.00} which is 3x what was required. 

CITI BANK is making unethical business practices during a STATE OF EMERGENCY and forced a credit line closure thereby withdrawing liquidity from the consumer market. CITI BANK forced debt collections and pre-mature Credit Card debt collections to customers who have 10 years+ of perfect payment history in addition to withdrawing liquidity to the market is absolutely tortuous and almost criminal considering they are being BAILED OUT yet again for not running a clean balance sheet. 

This is all in response to my {$13000.00} payment I placed a hod on when CITI BANK decided to tell me they were going to arbitrarily reduce my credit line once the payment was made. Again, pulling liquidity from the consumer market. I decided to revise my payment and pay {$1000.00} and they closed my account and are now demanding I pay them {$13000.00} as a minimum payment a month later. NOT LEGAL at all. 

They appear to be trying to use the clause in the XX/XX/2020 letter related to " past due '' amounts and new balances ( letter included in this complaint ) however, I was NEVER past due and in-fact overpaid and have always overpaid above minimum payments so their letter is arbitrary and a blatant threat to a customer.
Complaint sub-issue: Problem accessing account

I have two complaints I want to file against Ally Bank. For the past 2 months I have had problems logging onto the Ally Bank website to manage my checking account. Each time I log onto the account I am forced to enter a security code that they send to me by my email account. Sometimes the code does not arrive at my email account and I can't log onto the account. I have filed numerous complaints about this with Ally Bank and they refuse to fix the problem. I would like to say I have had the same computer for 3 years and do not travel. There is no problem with my computer. I use this same computer to log onto other financial institutions with no problems. I have complained to Ally Bank numerous times about this problem. This bank refuses to fix the problem. I want to find a second complaint against them. Recently, Ally Bank contacted me saying they will no longer send me the security code to my email account. They now want to text or call me to send this code to my telephone. I want to file a complaint against this as well. I do not want to use my telephone as a means of logging into my checking account. This is an invasion of my privacy. I should not have to have or use a telephone to maintain a bank account. My telephone is paid for by my employer and they must pay for all the incoming calls. My telephone does not support text messages. I have filed complaints with Ally Bank about this new policy they have and they refuse to exempt me from this new rule they have. I want something done against this bank. I have been treated very unfairly. Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, I received a notification that Equifax added a negative account to my credit report that I have no knowledge of. This isn't the first time Equifax has violated my rights. The account is from XXXX XXXX XXXX, whom I've never done business with for the amount of {$120.00}. Equifax left a completely false and dishonest comment on my credit report claiming " Account information disputed by consumer, meets FCRA requirements ''. I know for a FACT that's a lie because I've never done business with this company and I NEVER received ANY and ALL completed documental evidence concluding this investigation since it " meets '' FCRA requirements. Where are my investigation results that are to be sent to me by law? How was this information verified and by who? When? Where?
Complaint sub-issue: Reporting company used your report improperly

I've called 4 credit bureaus including the three main ( XXXX, Equifax, XXXX and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated.

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer rights.
Complaint sub-issue: Account information incorrect

I purchased a vehicle through Drive time, the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the XXXX.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX  or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX the ceo, the vp and several other executives..Drive time is owned by XXXX and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, XXXX XXXX drive time have committed..
Complaint sub-issue: Account status incorrect

I Talked to the department of Education as soon as I noticed this late payment hit my credit report. I was in Forbearance at the time and it should have never showed up as late. Now unfortunately this caused my score to sink! I called Department of Education and they agreed to get it deleted from my credit report. I called to follow up at the beginning of the month and asked for a specific date as to when it would be deleted and they told me they would not delete it! their calls are being recorded. this needs to come off
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2019 I was alerted to a Past Due notification from the FICO Credit Monitoring service for the above mention account. I called to dispute this information that was placed because the fact that I never applied or even applied for the Home Depot Store Credit Card. I was told that an investigation would be opened and looked into the matter. 30 days later I never received anything but was alerted once again about a Past Due payment this time a 60 day. I called and talked to the Fraud Department and was told that the investigation was closed due to the fact that I never disputed a single charge to the account. I replied that the whole account was fraud and that I never applied for the credit card. I was also made aware of a second Home Depot Store Card in my name. I was told that the authorized user that was on the account applied frequently using my information. I later spoke with the Fraud Department and was told that the account XXXX was deemed unsubstantiated for fraud because the person that opened the account was a family member and would have to handle it in civil court. They also stated that the account was opened fraudulently, but I was still liable. They reopened another investigation and as of the date of this letter it is in your recovery department. I received a letter dated XX/XX/2019  that deemed the account XXXX as unsubstantiated and now I am facing a 143 day past due violation. I was told by the Fraud Dept not to make any payments. The account was opened without my consent and I had no way to access the account because the mailing address, phone number, and email address was in my fathers name. I explained that my father passed away in XX/XX/XXXXand that if it wasnt for the fact that I had been alerted by the monitoring service I would never know that I had the account. I had no information regarding the account. My father opened an account with XXXX XXXX XXXX and I disputed that claim attached are the findings.
Complaint sub-issue: Debt was paid

I received multiple calls from the following number : XXXX. 
They also called my husband, who has a new number that would not be associated with the account in question. 

" XXXX XXXX with XXXX XXXX XXXX '' is who this person claimed to be. At first, she told me that I had formal complaints made against me, from a XXXX XXXX. I don't know anyone by that name. She then told me that this is in regards to a medical debt from XXXX, that she received from the hospital. This debt was paid in XXXX. 
After contacting the office that handled this account in the first place, I called " XXXX '' back, requesting documentation of this debt and who was obtained from.
Complaint sub-issue: Unable to open an account

Unable to connect my account to accorns
Complaint sub-issue: Funds not received from closed account

US bank local branch closed my account without informing me until two weeks later and did n't pay out to me remaining funds in an amount of {$390.00}. Nobody seems have an answer as when I will receive my funds.
Complaint sub-issue: Information belongs to someone else

remove this XXXX Violations FCRA : XXXX T XXXX XXXX T XXXX XXXX XXXX XXXX XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX CT XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX SPRING, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX SPRING, TX XXXX APARTMENT COMPLEX XXXX KINGS XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year of Birth Select as many as apply
Complaint sub-issue: Problem accessing account

This compant holds a high value trust under the instruction of a person named XXXX XXXX XXXX who is perhaps the XXXX XXXX XXXX XXXX. The acct should be in my name being that it is under my XXXX XXXX XXXXy. This man could of very well changed it by now. They accepted the transfer and has allowed this man to steal my money without checking the validity of the information from the party whose acct it is. XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

To date this year 2021 I have sent 6 formal and detailed disputes with Equifax via mail regarding 13 different inaccuracies and wrongful reporting. Additionally I have tried to dispute online but with difficulty and no resolution. I've logged over 19 hours on the phone with this company in an effort to resolve. The agents like clock work will look for a reason not to talk to you, will drop the call and put you on lengthy holds before ending the call. There's no reasonable effort at all made by Equifax to speak to a consumer. My credit file is also a XXXX XXXX, and they will not resolve this. Because my file is split I have extraordinary challenges to speak to someone and I am always given scripted responses vs any resolution. I have requested their executive team and have been denied access. I have requested supervisor attention as nearly every single tradeline reporting is inaccurate. I have gotten no help at all from Equifax. I have been grossly ignored. Despite more than XXXX pages of documentation sent since XXXX this year. Equifax has not responded to these several notices of inaccuracies under the FCRA to the disputes sent to them and has given me above normal challenges in getting the information corrected. These egregious errors cause significant hardships in obtaining credit and I seek help from my state and federal offices in enforcing the laws that Equifax continues to ignore. I am also a victim of their fraud and data breach so you would think this would be a motivating factor for them. Equifax seems to be given excessive privileges in facing corporate America and is abusive without limitations in practice to the consumer. I seek urgent remedy and support from my state and federal government in facing this giant as they have ignored my reasonable efforts.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a debt validation/verification/dispute letter to this collection agency. This debt is not reporting as " consumer disputes '' on my credit profile. This was sent certified mail with return receipt and I did get a signed return from I. C. system. 
tracking number : XXXX XXXX XXXX XXXX XXXX The agency has failed to report this account as disputed, this agency has failed to provide evidence this debt belongs to me. Please remove this debt from my credit report.