Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX and XX/XX/2023, my shared ally bank account was charged XXXX  times that were all fraudulent. XXXX  transactions on XX/XX/XXXX we're all to XXXX XXXX accounts and we have never utilized XXXX XXXX. We received a call from ally regarding these transactions, were asked if they are fraud, and confirmed. They didn't imply we needed any further action on our part, and that our funds would be provided back when they were posted. We called again on the 4th after the transactions had posted to ask why our funds weren't returned, this was during the time our rent check was due too, which caused much concern as we are middle class and don't have cash to spare on fraud. We were told that 1. We needed to report it after it posted, so luckily we had already called to complain or else we never would have known and 2. That the funds would take 7-10 " days '', no implication of them being business days. Then, we started counting the days, we called again on XX/XX/XXXX to ask what on earth they were doing with our money, and they stated they had the claim on file but it " fell off the radar ''. From everything I understand, within 10 business days I should be given a provisional credit, then within 45  days should be provided the amount permanently if they deem it fraudulent. Everyone I spoke with, including a XXXX, has been nothing but useless and disrespectful. They all should be fired, but unfortunately they are a terrible bank with terrible employees. There is {$280.00} of my funds in this fraud scheme and only {$57.00} ( {$32.00} being the charge from XXXX XXXX ), I would like a provisional credit as soon as possible. Also, it's worth nothing the good for nothing bank had the nerve to send us a " replacement debit card '' that had the same numbers as the card involved in the fraud, because ally doesn't hire intelligent staff either. I've changed my bank because of this but their ignorance of cfpb guidelines tells me they need to understand how to properly treat customers instead of submitting to fraud.
Complaint sub-issue: Old information reappears or never goes away

There are five closed accounts from XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.
Complaint sub-issue: Was not notified of investigation status or results

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was leaving for extended overseas trip and paid off my XXXX XXXX city bank credit card balance in full but when I came back there was {$160.00} late fees. I called the city bank and city bank preservative provided me with no dispute option and made me to pay in full. Call was recorded. In my second call to a supervisor she indicated there was a {$13.00} charges that were proceeded late by city bank and City bank would reimburse for all the interest and late charges. ( Call was recorded and transcripts should be available ). She documented the problem and send it another department for resolution and she asked me to check back in a week for results. When I called no action was taken and just got the run around. City bank did not take responsibility for processing the charges late which was confirmed by city bank representative on the 2nd phone call and they ruined my credit for {$13.00} and made me pay {$160.00} late fees.
Complaint sub-issue: Don't agree with the fees charged

My private student loan from XXXX University XXXX XXXX XXXX was serviced by XXXX for over 10 years. It was recently was sold to XXXX and now XXXX XXXX. I noticed that when the servicing was transferred my student loan payments began increasing despite making on time payments for 10 plus years. The principal balance is about $ 60K. I went from paying ~ {$700.00} per month to now, I looked at my XXXX account and the monthly balance due is now {$800.00}. I have noticed that the interest rate keeps climbing significantly and I am not sure why. When XXXX serviced my account the interest rate did not fluctuate and if it did, it was very minor. Now every month, I am asked to pay more and more despite the fact that the principal balance is shrinking. I want to know why all of sudden the interest rate is fluctuating so much. Is there a limit to how much interest can be charged? Also, XXXX has not uploaded my 10 plus years of payment history to my account. There are no records in this regard. 

I would like my payment history added to my account and an explanation as to why my interest rate keeps climbing. The interest rate is now 5.77 % and when XXXX serviced the loan, it was under 5 %, probably around 3-4 %. I would also like my due date extended giving these outstanding issues. I have been paying my student loans for over 10 years ( on time! ) and since XXXX took over and now XXXX my payments are increasing rather than decreasing. I find this very suspect. There is also no pay off statement which I thought was required by law. Please investigate. I have also lodged my complaint with XXXX.
Complaint sub-issue: Other problem getting your report or credit score

I have been locked out of Equifax for over 4-weeks. I have called and spoken with multiple equifax representatives who have been unable to unlock my account. I have gone through their ridiculous verification process countless times.
Complaint sub-issue: Problem with fraud alerts

I am submitting this complaint against Equifax credit agency. First, a little history ... I have free credit monitoring protection due to my information being compromised in multiple consumer breaches. In recent months, there has been an increase of fraudulent activity where my personally identifiable information has been used in attempts to open accounts with several financial institutions. This prompted me to file a police report and submit a credit freeze with the XXXX Credit Agencies ( XXXX and Equifax ). XXXX and XXXX are great! They have very helpful, friendly service and I was able to get freeze my credit with them in no time. When I attempted to contact Equifax to submit a credit freeze and dispute a credit report, I was confronted with a fully automated answering system without option to speak with a live representative. I tried three different phone numbers XXXX XXXX ; XXXX ; and XXXX ), but each number connected me to the same automated system. During the automated call, Equifax instructs callers to submit requests for fraud alerts, credit freezes and credit reports by mail. The most disturbing issue is that Equifax requires callers to submit personal information including, full social security number, full mailing address, and a bill or paystub. This is appalling and unprofessional. No organization, especially a credit agency should be asking anyone to submit personal information through the mail. Please fine, reprimand, hold Equifax accountable to this gross negligence and mishandling of personal information. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

I have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 AND XX/XX/2021
Complaint sub-issue: Was not notified of investigation status or results

I have accounts that do not belong to me on my reports and other items detailed in the attached letter
Complaint sub-issue: Reporting company used your report improperly

I wrote to Equifax, XXXX and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureau claim that they completed a reasonable investigation with the furnisher of the accounts and verified XXXX XXXX that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account numbers XXXX & XXXX financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had an XXXX dollar balance with AMEX/CBNA they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary 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 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 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
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX  is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Complaint sub-issue: Information belongs to someone else

I don't recognize this inquiries, i never applied for this companies. I believe, that somebody used my personal information and applied for it.
Complaint sub-issue: Confusing or misleading advertising about the card

XX/XX/2020 Received a U.S. Bank Reliacard through the mail for absolutely no reason just showed up. When I tried to reach a customer service agent, I was required to activate a card that I did not apply for. Once the card was activated, I waited on hold for 1 hour and 17 minutes before a customer service representative picked up the phone. Once the phone was answered, the gentleman asked for the card number and what the problem was. I provided the first 4 digits and the agent hung up on me. So I called back and went into the hold sequence again, this time waiting for 57 minutes. Customer service agent picked up the phone and asked how can they assist me. I stated that I received a card in the mail that I did not sign up for and wanted it closed / cancelled. The agent asked for the card number, I stated the last time I provided this information, the agent stated she was sorry and will take care of it right away. I provided the card number and she repeated this back to me, then hung up the phone. The card has been cut into pieces and will be mailed back to the return address.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX/XXXX  partial account number XXXX. ( Please see page 9 of the attached credit report.  ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX have contacted the following bureaus now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits, and police reports. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 


Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft Account XXXX XXXX ( {$34000.00} ) XXXX XXXX XXXX XXXX, OR XXXX Date Opened : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Sir or Madam, I received an alert from my credit monitoring service about an hour ago. When I open the alert, it states " US BANK '' has view my credit report via XXXX. The first thing I did was call US BANK, the representative told me they do n't handle these requests. She also mentioned that I call XXXX. Twenty minutes later, I call XXXX and they give me the same garbage answer, call US BANK. Why are they both pointing fingers at each other? US BANK and XXXX are at fault for not authenticating or verifying my identity before they pull my credit. This is a huge flaw! Please remove the hard inquiry placed on X/XX/17 immediately. I did not authorize this request. <P/>Thank you for your time! <P/>XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2022 XXXX XXXX suggested I applied for a XXXX XXXX Credit Card, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with Equifax by XXXX points. I tried to locate a number for XXXX XXXX to speak with a personal customer service about my concerns. But could not locate a contact number on XXXX XXXX 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with Equifax and XXXX XXXX representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.
Complaint sub-issue: Account status incorrect

I have the phone app of XX/XX/XXXX on my phone which give 3 of the creditor businesses appearance.Equifax and Transunion have it down on the app that i am delinquent with XXXX XXXX even though the account has been closed, i have tried to go into those 2 and correct it with the dispute but conveniently they have it where you can not do so. I have never been delinquent with XXXX XXXX and do not even want them on my reports, period! I am fed up with these businesses deliberately posting lies and statements for people XXXXXX/XX/XXXX XXXX like XXXX XXXX who throw a temper tantrum over a customer who has had enough of they're acting out behavior of preschool. Photos attached
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting and XXXX Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct 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 602 A Section 2. It Also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account opened as a result of fraud

On XXXX XXXX, XXXX, I received a XXXX notification that an account had been opened at XXXX XXXX XXXX XXXX XXXX BB & T ) XXXX Texas branch using my social security number. Immediately XXXX attempted to contact BB & T, but no calls were returned. A couple of weeks later, another XXXX notification indicated some account activity at that branch. A three-way conference call between myself, XXXX and " XXXX '' from the XXXX XXXX took place and the issue was discussed. XXXX said she was unable to determine or view which documents were used to verify identity and open the account. 
a. I find this response odd as identification should be provided when an account is open, and this information should be accessible by parties in the bank with high-level access. 

During the call, I was assured that XXXX would contact the person who opened the account and that verification would be determined. She was to return my call within two days.
Three days went by and I had not received communication from the XXXX XXXX, so I called them back. 
XXXX told me she was 'meeting the client that night after hours to verify identity '' and that I would be called back the very next day! 
a. I find this statement odd. Since when do bank managers meet clients after hours to verify the identity of a person when it should have been provided when the account was open? 

Now four more business days have transpired and there has been no contact in any form from BB & T. I reached out again today to speak with XXXX and was told she was out of the office until Thursday. 

It is VERY frustrating that an account can be opened using someone else 's SS #, and that the complaint of such activity has to be escalated to this level. My experience with banks and credit unions are that I always have to provide identification, and that information is kept. I see no reason why the XXXX XXXX can not explain how my SS # was used and that proper identification was not gathered.
Complaint sub-issue: Old information reappears or never goes away

I contacted XXXX to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
Complaint sub-issue: Company closed your account

I attempted to use my Macy 's store card on XX/XX/XXXX and was told that the store card had been closed. I assumed that it was due to non-use because of the covid situation. I am a XXXX and have a seasonal home in Florida. I had been a client of Macy 's since XXXX with excellent credit rating and payment history. I attempted to reapply but was told that Macy 's did not accept XXXX information. I wrote to the president, XXXX XXXX and was answered by MrXXXX XXXX XXXX that all XXXX accounts had been closed. 

I feel that this policy is discriminatory under the federal Equal Credit Opportunity Act under the section national origin. Department Stores National Bank decided to close all XXXX accounts and it is now impossible to apply for a store credit card without having US government issued ID, which for me is impossible. 

I am a US homeowner, had been a client of Macy 's since XXXX and feel that better care should have been made in the selection and retention of well-paying customers. Why are canadians not allowed to benefit from the advantages and rebates of this store?
Complaint sub-issue: Public record

XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.
Complaint sub-issue: Application denied

my account was closed by the company. they told me that they would return my call to explain why. i have a balance on the card and have never made a late payment. i was told to reapply for the card but when i tried i was denied. i have an excellent payment history and very good credit. customer service was absolutely terrible with long wait times and customer service members that could not give me any answers.very very unprofessional customer service. i called a total of 3 times and was hung up on.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, the attached dispute was sent to XXXX. USPS receipts indicate the dispute was delivered on XX/XX/2021. To date, no response has been received from XXXX. Despite this, the public record in question remains on my 3 major credit reports and XXXX report. I have attempted to dispute the record in question with the credit reporting agencies ( Equifax, XXXX, and XXXX ), however they have stated in writing on several occasions that they were able to verify the record despite my XXXX report being frozen at the time. This would also mean XXXX continues to provide my information despite the freeze existing which supposedly legally bars them from doing so.
Complaint sub-issue: Was not notified of investigation status or results

Equifax mishandled my information, which puts me and 143 million other people at risk. I am potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Complaint sub-issue: Personal information incorrect

My Equifax Credit File, dated XX/XX/XXXX, shows I have a previous address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX Reported : XX/XX/XXXX. This is incorrect, I have never had that as my address. 

When I try to access my Equifax data online, part of their security challenge is to ask specific questions from my data file. The questions they ask are related to the mortgage and payments for the house in XXXX, TX. Since I have no knowledge about that property, I am unable to answer their questions and the Equifax site denies me access. 

I have asked Equifax to correct this error since I believe it is an attempt at data theft and someone else is using my credit report, but Equifax has not corrected my data even though I have requested their help at least four times.