Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted two disputes with Equifax on XX/XX/2018. I have two accounts listed in collections that I have paid off. I have letters from the companies proving that I have paid my debt. I spoke with Equifax on the phone and they advised me to fax them copies of these letters. I did that. The person I spoke to said it would be updated in 5 business days. After 5 business days, I called again and they said the fax was not uploaded and attached to my disputes. This is preventing me from getting a mortgage. The other two credit  bureaus have updated my balances for XXXX XXXX and XXXX XXXX. Equifax is the only one that refuses to update even after I have supplied them with proof. I am working two full time jobs to pay down debt and improve my credit score. Equifax should not have the power to stop my mortgage when I am doing everything right and PROVING to them that my debt is paid.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX Re : XXXX XXXX XXXX XXXX XXXX Check Number XXXX {$5500.00} Below are the series of events : Check number XXXX for {$5500.00} to XXXX XXXX XXXX XX/XX/2021 was deposited by XXXX XXXX XX/XX/2021 XXXX 
In error the check was processed again on XX/XX/2021 by XXXX XXXX and cleared XX/XX/2021 through my account a second time. I was refunded {$5500.00} by XXXX Bank on XX/XX/2021 regarding the duplication error of processing the same check twice. I believe that when the duplication was corrected when XXXX XXXX received the correction, they did not account for the fact there was XXXX purchase by me and they received XXXX credits for that XXXX purchase. Their bookkeeping saw it as a charge back for goods. I was then reported to XXXX checks by XXXX XXXX I was reported to Telecheck by XXXX XXXX claiming they did not receive payment. I am advocating for myself as I am a senior and not being able to write checks in our small community is causing stress and undue hardship I have reached out to XXXX XXXX and Telecheck several times regarding this matter, and nothing has been done. 
I Included the copies of check XXXX being processed twice through the account, bank statements that show the actual transaction that have happened. 
I have sent all the documentation to get my name off telecheck. This has been over a year when I did nothing but pay my bill to XXXX XXXX and due to there error I am unable to write check in my community.
Complaint sub-issue: Other problem getting your report or credit score

I am buying a home and Equifax is not reporting a credit score. I call several times and still no reporting. This is costing me alot of money and need some intervention.
Complaint sub-issue: Received bad information about your loan

In XXXX XXXX  when finishing XXXX school I was misadvised on best repayment strategy by XXXX XXXX. They advised leaving loans in deferment and focusing payments on high interest loans rather than consolidating and starting pslf. This wrong strategy/advice has cost me several extra years of payments. 

See dept of education complaint XXXX XXXX XXXX : XXXX
Complaint sub-issue: Investigation took more than 30 days

I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I sent the Consumer Reporting Agency EQUIFAX a Certified Letter Tracking # XXXX with green return receipt. asking EQUIFAX to do a full investigation of the account that is reporting on my Consumer report.

the Consumer Reporting Agency stated, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX was properly investigated and all the information was accurate, but how is that possible if the DATE LAST REPORTED is inaccurate because according to the Fair Credit Reporting Act,15 USC 1681 the CRA ( EQUIFAX ) was suppose to update the date on the date last reported to the date when they verified the account, so because they did not fix the inaccuracies that means they did that do a proper investigation and this is a Violation to my rights as a Consumer.

Also another violation Pursuing to the Fair Credit Reporting Act, 15 USC 1681b - Permissible Purposes of Consumer Reports ( a ) Any Consumer reporting agency my furnish a consumer report under the following circumstances and NO OTHER ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

so EQUIFAX provide me with the permissible purposes document that I the consumer gave you written permission to furnish or publish any thing on my consumer Report.

So now Im REQUESTING the Permissible Purpose document, and if you can not provide this document I demand you DELETE this account
Complaint sub-issue: Account status incorrect

I haven't paid a bill late for years, but I see my credit reports says there are 16 delinquent accounts and that's what my credit score keeping low. When I looked into the each of the delinquent payments, there is none. I was wondering why my credit score is not improving when I've never had late payments made.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are incorrectly reporting me as an authorized user on the XXXX XXXX partial account number XXXX. I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Personal information incorrect

I frequently check my credit through XXXX XXXX, and today I noticed my credit dropped 96 points in my Equifax due to someone reporting a false address. Please help me sort this out. Thank you! 

Sincerely, XXXX
Complaint sub-issue: Debt is not yours

I applied for housing to relocate with my mother who is XXXX. We were denied based on a debt listed on my account that is not mine. My report lists the following : The Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Original Creditor XXXX Stores Online {$3900.00}
Complaint sub-issue: Need information about my balance/terms

XXXX sold my loans to AES. I have tried contacting them for months about making payments ( I ca n't log into the website ). They keep sending me bills each month with hundreds of dollars of accrued interest yet I am unable to make payments on their site. I 've payed thousands on the principle with XXXX yet the balance is higher then it was with XXXX, which makes no sense. I have never missed a payment, in fact I have paid YEARS ahead yet I owe more then the original amount.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I submitted two disputes : {$830.00} each for original transactions happened on XX/XX/XXXX with XXXX. Citi let me enter only one dispute in their online system. They have this limitation in place to avoid duplicate disputes, however in my case its not a duplicate. On the same day - XX/XX/XXXX - I contacted Citi rep via app messaging to request help with submitting the second dispute, since I couldnt do it myself on the website. The rep was XXXX and she reassured me that she entered second dispute, and it should show up in my account in 2-3 days. I have screenshots of this conversation and can serve it to you. A week has passed, but only one dispute shows in the system - the one I submitted myself. I contacted citi multiple times for the status of the second dispute, but they claim they have no record of it. They advised me to call the dispute department directly. I called them three times, but I was never connected to a rep. After going through the verification steps, the call always ends with a message that the department is closed- please call during business hours ( although I was calling during business hours and they claim that they work 24/7 ). I exhausted all my patience to have my dispute handled properly. I never received a temporary credit for the dispute that I submitted through the rep. The cycle is the same : I contact a rep for help, they tell me there is no record of my referral dispute, they tell me to call disputes department - that department never answers and plays we are closed message. I am not sure what else I should do, therefore I am asking for CFPB help to resolve it.
Complaint sub-issue: Their investigation did not fix an error on your report

My VA home mortgage with XXXX was placed in forbearance under Covid-19 relief back in XXXX. The forbearance was for 3 months, so I began paying the mortgage at the beginning of XXXX. At that point, XXXX had informed me of a loan modification, which would require 3 months of trial mortgage payments. After making two of the 3 trial payments, I started looking to refinance another mortgage. However, on XX/XX/XXXX, my credit monitoring highlighted that XXXX reported my account in default even though I was paying according to the trial. This has caused me to be unable to move forward with refinancing my existing mortgage to a lower rate. The undue stress caused by this process has yet to be resolved, as the credit reporting agencies still show my XXXX account as being overdue/late and hence the impact to my credit score is significantly negative. 
I need this issue resolved quickly, as rates may go up by as much as XXXX pt in the next week or so.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Complaint sub-issue: Information belongs to someone else

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiries on my credit reports per XXXX XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit reports per XXXX  and XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 30 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Complaint sub-issue: Information belongs to someone else

On approx. XXXX/XXXX/21 I was the victim of identity theft, which I promptly discovered. As a result of this identity theft, I had 2 fraudulent " hard '' credit inquiries on my credit reports. I was able to fully resolve this, except for Equifax. Equifax requested very specific documentation to remove the 2 fraudulent " hard '' credit inquiries ( namely : " XXXX XXXX of XXXX... '' & " XXXX XXXX XXXX ... '' ). Equifax wanted a letter from me, copies of ID, and a police report ( please see all of this attached here to this complaint ). I mailed the documentation Equifax requested to them on XXXX/XXXX/21. Today ( XXXX/XXXX/21 ) I checked my Equifax credit report, and the 2 fraudulent " hard '' inquiries are still on my report. I invested hours on the phone trying to figure out why the fraudulent inquiries were still in my report. Equifax acknowledged receipt of the data I provided to them via XXXX on XX/XX/XXXX, but indicated the documentation was deficient in that the police report was not dated. I told Equifax to check the data again, as the police report was dated. Equifax acknowledged the police report was dated, but told me I would have to submit the documentation again. They were very unprofessional. Given that I have supplied ample evidence that the " hard '' credit inquires I am disputing are fraudulent, as precisely requested by Equifax and in accordance with federal law, I would like CFPB to please help me get Equifax to remove the fraudulent " hard '' credit inquiries from my credit report, please. Thank you.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In 2003, I obtained a Best Buy Credit Card. It is currently serviced by Citibank. I noticed that I have been being charged up to 12 percent annualy for " debt protection '' which I never agreed to purchase from 2003 through present. I requested that Citibank send me the proof that I signed up for this service ( a signiture or other affirmation that I agreed to purchase " debt protection '' ) After numerous calls to Citibank, I was told the " debt protection '' was provided by a third party, but no one knew the name of the company that provides the " debt protection service. '' I later found out it may have been provided by a subsidiary of Citibank which is an insurance company. Even the cancellation department for the " service '' was unable to explain who they worked for. I was told they would be recording my call, when I asked if I would have equal access to the recording, I was told " no. '' When I asked whether I could record the call, the person asked a supervisor, then got back on the phone, and told me since I asked to record the call she could n't talk to me and immediately hung up. I called back and said I would talk to them under duress. They agreed to cancel the service, I never agreed to pay for in the first place and told me that another department which they only have an address for that has no phone number I could call or email address would find the proof that I signed up for the service. 30 days later, I received a letter saying Best Buy 's records indicated that I signed up for the service with NO proof that I did sign up. I called back and explained again that I think they have been fraudulently charging my card for a service I never agreed to pay for and I mentioned that it appears that Citibank entered into a consent Order in Federal Court ordering it to pay XXXX XXXX dollars to consumers for the exact same issue I am having. Specifically, that debt protection service was charged without ever being authorized by the consumer. I was told, they have no idea about that. I again demanded all amounts that I was fraudulently charged since 2003 be refunded to me with interest. Against 30 days later, I received a letter saying their records indicate that I signed up for this service in 2003, again with no proof that I did in fact sign up for the service. It has now been almost 3 months since I started this process of attempting to get the money they essentially stole from me back without filing a lawsuit.
Complaint sub-issue: Problem with customer service

I contacted Nelnet on XX/XX/XXXX to start setting up a repayment plan. The loan advisor set me up with a pay as you earn payment plan and helped me set up my automatic payments of $ XXXX month. In XXXX my payment never went through. I contacted the company which then told me that none of that had actually occurred and their record only shows a note stating that I had asked for a " Forbearance. '' It was discovered that the loan advisor that I spoke with stole my information and used my identity to set up payments that were taken out of my account and given to a fraudulent company. I no longer feel like I can trust their company since they did n't even know that one of their employees was committing fraud. I also want the {$690.00} that was stolen from me given back. I have pulled my phone records and bank statements. My bank, XXXX XXXX, is also not helping me in any way. I have contacted the bank several times and I have contacted Nelnet a couple times including todayXX/XX/XXXX. My money was being sent to " XXXX. ''
Complaint sub-issue: Deposits and withdrawals

I have account ( s ) with Ally Bank. It is an on-line bank and I do not know the routing number. The correct email address for this bank is ally.com. My accounts with Ally include a CD, a savings account and my monthly retirement check is sent directly to them ( Ally ). For reasons unknown to me they have " closed '' or " frozen '' my accounts and I can not access them. I have emailed them and was told that only phone contact is acceptable. They will not communicate with me in any form ( email, chat, USPS ) except via telephone. The problem is that to contact them by phone requires at least two-hours on call-waiting with the wait time close to XXXX to XXXX hours depending on what time of day you call. For me, it is impossible to be on telephone hold for that long of time. They only have one phone number XXXX which for the average person is impossible to use. I am hurting here without access to my funds. As a side note, even if you call them at XXXX XXXX  the wait time is still OVER two hours and many times longer than that. Please help. 

How can your complaint be satisfactorily addressed? 
Can this bank be required to answer their phones in a timely manner? How can I get my account " unfrozen ''?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This situation began when I purchased concert tickets on XX/XX/XXXX using my U.S. Bank credit card ending in XXXX. 
I then paid the balance in full. 

XX/XX/XXXX - I filled for a charge back because I was working as a traveling front line health care worker and would not be in XXXX  on the new date. 
I live in XXXX XX/XX/XXXX - The charge back was denied to me by U.S. Bank. 

XX/XX/XXXX - XXXX notified me by email that me concert was postponed until XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was CANCELLED and my REFUND WILL BE PROCESSED BACK TO MY ORIGINAL FORM OF PAYMENT. That card ( ending in XXXX ) had expired. 

I ordered a new credit card and was told that my refund would automatically post to my new card. 
( I was told by XXXX more service reps on subsequent phone calls that my old card and new card would be linked. ) XX/XX/XXXX - I requested a refund from XXXX. 
XX/XX/XXXX - XXXX emailed me that my refund will be processed within XXXX days. 

XX/XX/XXXX - I entered the credit card number of my new U.S. Bank credit card on my XXXX account so they could process my refund on to the new card. 

XX/XX/XXXX - As requested by me XXXX processed my refund back to my expired credit card ending in XXXX on XX/XX/XXXX but when I called U.S. Bank they told me they could not process my payment. 

There have been MANY phone calls and emails to both XXXX and U S. Bank concerning this refund. 

I am told by XXXX that the refund has been processed on their end and it is U. S. Bank that has the issue. 
I am told U. S. Bank that they can not process my refund. 

I have told them on multiple occasions that I don't understand why my refund is not being returned to me. 
I am under extreme duress due to this and need help to resolve and get my money returned to me. 

I called US Bank on XX/XX/XXXX to let them know I'm want to fill a UDAAP claim and they said they didn't know what that was and they couldn't help me. 

I have sent many emails and made many phone calls and have left a lot out due to the extent of my documentation. 
I can give any info that is needed. 
Thank you, XXXX XXXX.
Complaint sub-issue: Account status incorrect

I report numerous violations commited by Citi Bank and request to impose appropriate sunctions that will motivate that financial institution to obey the law.

Citi

Bank violated FCDPA 804. ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer by calling and refusing to disclose the identity of the employer when I explicitly requested that. Citi Bank violated FCDPA 807. ( 8 ) includi ng the failure to communicate that a disput
ed debt is disputed by not notifying me about alleged debt. 
Citi Bank failed to validate the debt before reporting it to consumer reporting agencies by violating FCDPA 809. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector On XX/XX/XXXX I got a call from a person who didn't want to introduce himself neither disclose the identity of the company till I confirmed my name, though such an action classified as a violation of FCDPA. But I already knew that Citi Bank employs such deciving practices so it didn't surprise me. Then, I was asked why I didn't make minimum payments for my credit card. I was taken off guard since I saw payments going to Citi Bank in my online banking. Then we started to investigate the issue. It turned out that in XX/XX/2019, a Citi representative made a mistake while setting automatic payments and linking an unexisting account over the phone. Then, for 3 months Citi failed to call me or send me an email notifying that autopay didnt work and they didn't receive the payments. When it was clear that it was only an error on the bank 's side, Citi representative apologized for a mistake, reversed all late fees and fixed autopay. Nevertheless, at the same time Citi submitted a false information about missing payments to credit reporting agencies! And the bank never notified me that it would take such an action neither by phone, mail, or email which is another violation of FCDPA!!! A month later the bank insisted and resubmitted the false information again. In XX/XX/2019, faling to make Citi to fix it on its own, I disputed credit report late payment with credit bureaus and on XX/XX/XXXX I received results from XXXX which confirmed again that I was 30 days late making payments for a credit card. It appears that Citi Bank considers penalties under FCDPA insignificant and is ready to bear them in order to harass its clients. 
As a result of multiple FCDPA violations by Citi Bank I had a credit card issued by XXXX XXXX closed and a new account request rejected by XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax 's data breach supposedly included my data which would easily allow someone to steal my identity and attempt to open credit lines in my name. Equifax 's handling of the situation thus far has been terrible, including trying to get people to sign up for a free monitoring service which included a clause attempting to force people to wave their rights to file a lawsuit against them ( I did not sign up for this service ). Also concerning is the news that higher ups at Equifax used insider trading info to sell stock before making knowledge of the breach public.