Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

My wife received a XXXX debit card w/ {$150.00} as a gift during her XXXX XXXX XX/XX/XXXX. We never got around to using it until i opened the card XX/XX/XXXX. Upon opening the card and setting the card for activation, i learned that in addition to {$6.00} in dormancy fees, another {$130.00} in unauthorized debits were made to the card. I followed the dispute resolution instructions, received a new card, and now i receive no info as to the status of reinstating the embezzled funds. The phone number i am referred to for follow-up inquiries instructs one to leave messages for a call back. 4 times i have done so without response. Moreover, i have once waited 2 hours and 37 minutes for a live operator only for the call to be disconnected.
Complaint sub-issue: Problem with product or service terms changing

On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for Crosslands of  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my XXXX XXXX and Elan Financial Accounts. As, of XXXX XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. Elan, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has fictitious reports about my credit and when I disputed them they dropped my score even lower! 
The other two credit agencies show my credit in the seven hundreds while Equifax dropped me to XXXX. I was injured in XXXX and incurred medical bills causing me to lose my house, my job and my wife divorced me. Im getting my finances back on track, but Equifax keeps ignoring my complaints. What is going on with Equifax? They are ruining my credit and making it impossible for me to get back in good standing.
Complaint sub-issue: Investigation took more than 30 days

I sent in dispute that has been more than 30 days. I have not received any notice or response regarding my dispute.
Complaint sub-issue: Information belongs to someone else

covid 19 and identity theft has ruin my life. i have accounts that i did not open. please block all fradulent accounts from my credit report. 


XXXX XXXX  XX/XX/18 {$0.00} XXXX ACCOUNT XXXX  XXXX XXXX ACCOUNT XX/XX/18 {$25.00} XXXX   XXXX  XXXX XX/XX/18 {$0.00} SEVERAL MISTAKES NOTICE LIKE SPELLING OF MY NAME. SAME ACCOUNTS WITH DIFFERENT NAMES AND FRADULENT ADDRESSES. 
INQUIRES XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ALL SINCERLY, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the reporting agency on more than one occasion, informing them that they are in direct violation of the FCRA as it relates to the furnishing of negative/inaccurate information on my consumer credit file. The account for XXXX, is reporting different late payment dates on each company 's site. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account, XXXX, contains payment history with derogatory remarks, making this experiences relating to transaction history. The company never removed the errors from my report.
Complaint sub-issue: Account information incorrect

I have sent a copy of the XXXX  balance invoice, sent to me from XXXX XXXX XXXX, more than five times to Equifax. They continue to show the collection Item. The other CRA 's have totally removed the claim item. The dates on XXXX XXXX  invoice ( XXXX  owed, XXXX due ) precede the date it was placed as a collection item on my records. I am once again attaching a copy to be forwarded to Equifax for their prompt action.
Complaint sub-issue: Card was charged for something you did not purchase with the card

How you doing i recently had ordered a new cash app card on XXXX 3019 which i haven't received my boss sent my pay which was XXXX on XX/XX/XXXX2019 which was on my account i called a number that was on XXXX that was supposed to be a cash app support number when i called i jus wanted some help but the person which was a dude ask me to download a app which was called quick sort and after that some way he got into my account which was hack and took all my money off which was a total of XXXX already had money on there he was a impersonator and this happen on XX/XX/XXXX2019 he unlinked my whole cash app account now i have nothing at all i really need my money i have not one dime and im out of town im in need of help please please i wish i can talk to someone over the phone and really no action had been taking cash app only to emails and that's not far at all please help thanks
Complaint sub-issue: Public record information inaccurate

Equifax Information Services LLC. is incorrectly reporting my father 's bankruptcy on my credit report. My father and I share the same name, except I use the XXXX suffix. My father does not use a suffix. My father filed for Chapter XXXX Bankruptcy in XX/XX/2016 and Equifax has incorrectly assigned the Public Record to my credit report. I have never filed bankruptcy and this credit reporting agency is incorrectly providing slanderous information to lenders and I am unable to buy a car, buy a home, or receive any lines of credit because of this incorrectly reported bankruptcy. 

I have filed multiple disputes with Equifax. By phone, by fax, and by Certified Mail. Equifax has taken no action to rectify the information on my credit report. 

They are incorrectly reporting my father 's bankruptcy, incorrectly excluding the XXXX suffix from my name, and incorrectly assigning my father 's address as a previous address on my record.
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 1605 Section A. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.

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 purpose
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. XXXX and Equifax must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Threatened to take legal action

They have n't actually threatened legal action but I am having trouble paying what I own. I am on a payment plan and I have been paying on time every month for at least 6-8 months. I have not received a bill in 2 months. Got a letter last month saying I was late. I paid it. Did not receive a bill this month. I attempted to pay online - their online service does n't work. I attempted to call the number on a bill stub from a previous bill - the message says they ca n't take the call due to unforeseen circumstances and hangs up. I called a different number on their website, spoke to someone who said he 'd transfer me to the correct department.. he sent me to the same number I had previously dialed and I got hung up on again. Tried calling back the number where I actuall talked to some one and 4 times I have been sent to voice mail. I left a voicemail, I filed a complaint on their website. I have not been contacted from them. I am working hard to raise my credit score and pay my debts but I am at my wits end with this company. There is n't even an address on the payment stub for me to send the payment without a current bill. How am I supposed to pay it when I ca n't get any cooperation from the 3rd party collection agency?? Being late with them will report negatively on my credit since a payment plan is in place.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I havent received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

All FedLoan in credit report has been legally discharged as paid infull for legally cognizable reason. Wherefore, should be mark as paid infull/discharged on credit report.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

My personal and credit profile information were obtained as part of the XXXX XXXX breach of the Equifax database. This was verified on the Equifax website today, XXXX XXXX, XXXX. This is extremely disconcerting and as an individual who spent the last 18 months rebuilding my credit, very frustrating. The delay in letting customers know of the breach is also unacceptable. 

I do not know what impact this has had, or will have on my credit, but I was hoping to purchase my first home next year. Should my identify be used fraudulently, I ca n't imagine what impact this could have on plans for my family or future.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX made illegal purchases on my DiscoverCard totaling {$680.00} from XX/XX/2020 to XX/XX/2020. I do not have the products in hand and never received the service or product. XXXX XXXX scammed, conned, and did dishonest business practices in gouging me out of money.
Complaint sub-issue: Fee problem

I have a checking/savings account with Citibank, among other Citi services. I originally had a product called Ultimate Savings Account with the accompanying checking account and had these accounts for nine years. With these accounts I received free ATM reimbursements, free wire, ACH transfers. It was a fee free checking account. Appx a year ago I was bumped, without my consent, into Citigold, Citi 's premium tier for high deposit amounts. I did n't want this service as it required me to maintain a high balance with Citi at essentially no/nominal interest. When I called Citi to tell them I wanted the account products I had for years back, they moved me to the Citibank Account Package product which still requires a {$10000.00} min balance. I recently found out this is totally different than my original services. I have been charged several ATM fees. I was recently charged {$15.00} to wire a {$25000.00} *intoXXXX my Citibank checking account. This is completely abusive and I never agreed to these terms. In total I have been charged {$55.00} in fees which should have never applied with {$4.00} ATM fees and a {$15.00} wire transfer fee in the last week. I have contacted Citibank, but, of course, their customer service has not done anything to rectify this situation. 

This seems to be a systemic issue in which XXXXiti moves their high balance customers into Citigold, without their consent ( I never signed or approved anything ) which allows Citi to essentially trap customers into allowing Citi to hold substantial amounts of funds at no/nominal interest. If you tell Citi you do not want this service, they put you into a check product that has a fee for every action ( and amazingly still requires a {$10000.00} balance ).
Complaint sub-issue: Public record

Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. Thank you
Complaint sub-issue: Debt is not yours

XXXX XXXX 2017, XXXX pst I received a call from XXXX, the representative would not give me his name when I asked who was calling, he aggressively asked my name, I asked what company he was calling multiple times he finallly answered XXXX, I stated I am not familiar with this company, and due to his aggressive nature I ended the call. I believe that this fraudulently attempt to collect, is stemming from an incident where XXXX XXXX XXXX filed a fraudulent insurance claim against me with XXXX XXXX XXXX-17 my Insurance Company, XXXX denied the claim as I was Not involved and Not judged at fault for the incident and XXXX denied the claim. I have not received any legal letters of debt validation from XXXX XXXX or calls emails or any other communications. Whatever the case may be, I will seek legal council regarding the many fraudulent practices of XXXX, Inc. the collection agency involved and supposed debtor XXXX XXXX XXXX in this illegal activity. <P/>XXXX, Inc. XXXX XXXX XXXX, XXXX IL, XXXX.
Complaint sub-issue: Deposits and withdrawals

I was involved in a XXXX accident on XX/XX/XXXX. This resulted in XXXX XXXX issuing a total loss payment in the amount of {$24000.00}. I have no complaint with XXXX XXXX. I received that payment and deposited it with US Bank on XX/XX/XXXX. On that date, I was provided a " Notice Of [ sic ] Hold '' document stating that {$24000.00} of that amount would be available on XX/XX/XXXX. I attempted to get a cashier 's check this morning ( XX/XX/XXXX ) and they declined, saying that the funds were on hold. They then provided me with another " Notice Of Hold '' document stating that the amount of deposit was {$24000.00} of which {$5300.00} would be available on XX/XX/XXXX, and the remaining balance of {$19000.00} would be available on XX/XX/XXXX. I did not make a deposit today ( XX/XX/XXXX ) for the amount of {$24000.00}. The new notice of hold is for 16 business days after the original deposit. 

Based on the original " Notice Of Hold '' I made financial plans to purchase a new vehicle today, XX/XX/XXXX. If I had written a personal check instead of seeking a cashier 's check, I would have bounced a {$24000.00} check which would have had severe consequences for me, especially considering it would have occurred on a down payment for a substantial loan. In addition, I had made vacation plans to visit people in other states that I will now need to cancel due to the fact that I am not able to purchase the vehicle today. This is all based on the XX/XX/XXXX original " Notice Of Hold ''. 

I attempted to speak with the branch twice and US Bank customer service on multiple occasions this morning and I was told that the teller was new and made a mistake. They apologized, but did nothing else after repeated attempts. They apology echoes hollow without any effort on the bank 's behalf to resolve the impact their errors have had on me and will have over the course of the next few weeks.
Complaint sub-issue: Problem with rewards from credit card

I saw an ad that was very prominent on the U.S. Bank website for their new XXXX XXXX XXXX XXXX credit card, offering a bonus of XXXX points ( worth {$250.00} ) for new cardholders who spend {$1000.00} in the first 3 months. So I applied for the card in XX/XX/XXXX, in part because I wanted the bonus. I was approved for the card and received it, and then spent the required amount to earn the bonus. On XX/XX/XXXX, U.S. Bank paid me XXXX points instead of XXXX. I called them and they said I must have mistakenly applied for a different bonus offer and that it's my fault. But there was only one bonus offer for this card, and it was XXXX points, and that's what I applied for. They said they'd have to research it and they'd send me a letter in a few days. I haven't received a letter. I believe they have been deceptive in their marketing. They baited me in with the offer of XXXX points and then switched it to XXXX without my knowing and are making up some fake reason so they won't have to pay me the remaining XXXX points. I have attached a screenshot showing the offer of XXXX points, which is still prominently showing on their website. It is the same ad today as it was when I applied for the card in XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a dispute letter to  Discover Financial Services  on  XXXX / XXXX /  XXXX   via certified mail and was received on  XXXX / XXXX /  XXXX   at  XXXX  I never received any verification about the account after 31 days of no response to my dispute I contacted  XXXX ,  XXXX , and   XXXX    and only  XXXX  has deleted this account from my file please help to get the other  XXXX  to remove this unverified account
Complaint sub-issue: Account information incorrect

XXXX XXXX I moved into XXXX XXXX in XXXX XXXX , Oklahoma , in XXXX I have bed bugs from apartment complex, I call manager &  tell her, next day she has a note on my door telling me on which day an exterminator is going to be out & I owe {$360.00} for exterminators. I look on my lease & lease states " Tenant may or may not be charged for exterminator, I take lease to her & ask what factors in the do or do not pay? she asks owner, owner tells her " if Tenant gets a letter from last landlord stating Tenant nor last Landlords home had them then Tenant does n't pay ' I did get a letter from last Landlord stating we did n't have them so that settled that issue. also I was pro active & called numerous Exterminators & everyone told me it does n't do any good to spray 1 apart. they will go to attached apartments & end up coming back to mine & have to start the process of exterminating all over. I told apartment manager their not spraying unless they can assure me the other 3apartments are getting sprayed, she would not do that. In XXXX I get an eviction notice on my door & it stated I owe their Attorney fees. I retain an Attorney we go to court XXXX XXXX & Plaintiff Dismisses-Settled case, I move out. I apply at an apartment complex in XXXX & find out XXXX XXXX turned me over to a collection agency for a Bogus issue I left that Apartment complex paid up as you can see in the documents I 'm sending, my rent I paid in XXXX & the agreement in the courthouse on the XXXX was for me to be out of premises within 7 days & I was out. I owe nothing & this adverse account from XXXX XXXX is BOGUS!
Complaint sub-issue: Fee problem

Effective XXXX XX/XX/2018 Citibank will charge {$25.00} a month just to have a checking account and {$2.00} for each withdrawal. I have had a checking account in good standing for over XXXX years. This is unjustified and will cause a financial burden for my family.
Complaint sub-issue: Information belongs to someone else

I requested the removal of Inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, accounts : XXXX XXXX XXXX Balance- ; XXXX XXXX Balance- ; XXXX XXXX Balance - ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$130.00} that are UNKNOWN to me. I included these in letters that I sent to XXXX Bureaus on XXXX XXXX, 2022. I learned about this rule today, and it states that Credit Bureaus must ban any items in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) no later than four business days following the XXXXXXXX XXXX, 2022 letter.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to Equifax and XXXX XXXX regarding two accounts. I separately sent these four letters to each credit bureau on XX/XX/2022 regarding XXXX XXXX account XXXX and capital XXXX account XXXX. The accounts have been closed for more than 3 years and is still reporting a charged off status which keep restarting the period of 7 years. If they keep reporting the co status it will never fall off my credit. They responded by just sending my credit report nothing else. As stated by the FCRA accounts should fall off your credit within 7 years and at this rate it will never fall off due to repeated reporting. This is a violation and against my rights. I requested they either update or deleted they didnt.