Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I applied for a overdraft line of credit account from XXXX XXXX XXXX XXXX in XXXX and I was denied due to them not being able to Equifax not being able to verify my credit accounts. I contacted Equifax to have a freeze on my report lifted. Equifax submitted documentation that they lifted the freeze on XX/XX/2018. I applied again 1 week later and received the same letter from XXXX XXXX XXXX XXXX and was advised to verify that Equifax removed the freeze. I did so and it was verified that the freeze was removed. I applied again today, same issue. I contacted XXXX XXXX XXXX XXXX back and they stated that there is nothing that they can do. XXXX tells me it's an issue with Equifax, Equifax tells me that it's an issue with XXXX XXXX XXXX XXXX and that they should contact their business customer service department. XXXX XXXX XXXX XXXX states that they do not make calls to the bureaus. As a consumer, what can I do and I would hate it if I was applying for a mortgage and this error or run around occurred.
Complaint sub-issue: Problem with statement of dispute

I made several attempts writing letters to Equifax to remove unauthorized from my credit report and they have continued to state that inquiries are matter of fact without even making any attempts to investigate these disputes. Therefore they continue to report these inquiries in my credit report. This is ruining my life and not to refinance my house and get any credit because of these hard inquiries. Equifax even have my address wrong on my credit report which is a reflection of a deliberate attempt to ruin my life. They have my address as XXXX XXXX XXXX XXXX Ca XXXX. My correct address is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. This is probably where the problem is coming from.
Complaint sub-issue: Old information reappears or never goes away

I have membership with all three credit bureaus agencies XXXX, Equifax and XXXX. Who allow me to dispute incorrect information on my credit reports. I pay XXXX {$4.00} each month for credit plan, I pay Equifax {$4.00} each month for credit plan. I also pay XXXX {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because XXXX month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX  degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.
Complaint sub-issue: Account information incorrect

This Complaint is made against Equifax credit reporting company. For the past 12 months i have been disputing in writing the incorrect, misleading, fraudulent, inaccurate information that states I, opened and had an alleged contract, agreement, mortgage with XXXX XXXX XXXX XXXX I despite this inaccurate information on my personal credit report in its entirety! Only Equifax continues to report this account, despite my disputed letters and police report that states I do not have any knowledge of an account, mortgage and bilateral contract with XXXX XXXX XXXX XXXX. Please note this inaccurate information is causing me injury, and reducing my credit score and ability to get consumer products etc. XXXX XXXX XXXX XXXX to date has admitted that they do not have a bilateral contract with me, nor is there proof of a mortgage ever being executed between me and XXXX XXXX XXXX XXXX on XXXX XXXX, 2007. Additionally, this alleged debt and report is in violation under the fair debt collection act, the fair debt reporting act and State of New York statue of limitations and other positive laws.
Complaint sub-issue: Information is not mine

My husband recently died a tragic death. He had a XXXX credit card that I was not aware of. He was the primary cardholder. If I was an authorized user I did not know it. I gave XXXX notice of his death ; provided information to close out his homeowner and auto insurance and started a new account with XXXX. I was in the early stages of refinancing our home and a derogatory credit comment showed up on my credit report XXXX : my deceased husbands XXXX credit card. I called XXXX and spoke to someone in the credit card department and explained the situation to them, I was told there was no derogatory or negative information on my credit from them, I was referred to the credit dispute department : Credit Bureau Dispute over Deceased Accounts and I was told to fax a letter to them, they will review, and it will take approximately XXXX days before it is removed from the respective credit bureaus. I completed all that I was told to do and the letter was faxed XXXX XXXX, 2015. It still remains on my credit report and refinancing my home is on hold. I have not anything further from this department XXXX.
Complaint sub-issue: Was not notified of investigation status or results

This is in regard to the settlement from the Equifax data breach, which I was a victim of I received an email from the Equifax settlement to redeem a " shopping card '' that equals the amount I am owed. I DO NOT WANT a shopping card. This is a ridiculous way to settle a claim and expect that we should accept it. 

I refuse to accept a shopping card that requires me to submit all kinds of personal information, and then will track any purchases I make. I should not have to accept this form of payment for a settlement. What if I want to put that money in my savings account??? 

They need to send a check for the amount Equifax owes me. I will not be forced to give away my mailing and contact information to a XXXX  party and agree to a long list of terms so they can use my data and track my purchases.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account number XXXX, Account number XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Problem with fees

XXXX Location - Best Buy They promised us {$140.00} for tech support and was charged {$190.00} instead.Customer service with your company is nothing but a nightmare
Complaint sub-issue: Old information reappears or never goes away

I have consolidated all of my student loans, however I have old student loans that are reporting negatively on my credit report. These loans in question are between 10 to 13 years old, and double reporting on my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

Student loans From Great Lakes and XXXX Are all has been forgiven so its XXXX   and as a good cause please I wish to disputed and please have removed from my credit reports
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased a ticket with XXXX on XX/XX/2019 and cancelled it on XX/XX/2019. 
The cancellation was over the phone and was successfully competed. 
To be on safe side I also disputed the amount from Citibank card. 
The amount {$890.00} first was credited from my account on XX/XX/XXXX and was charged back to my account on XX/XX/XXXX. 
The document on my account was very clear that merchant has fully hold itself liable for total credit and explained that credit is coming in two amount for total of {$890.00}. 
First amount was {$60.00} which was credited and second amount {$830.00} that was not and still is not credited to my account. 
Called Citibank many many times and talked to their billing disputes with no results. 
Called merchant ( XXXX  ) and they said the credit amount of XXXX has been sent to Citibank. 
Called again and this time talked to one of the disputes specialists named XXXX from Kentucky and she was able to contact the supervisor to track the money and she said that has a very good news for me, my money has been received from merchant and is in hold with Citibank. In two business days I will see the credit on my account and that was eight days ago. 
My complaint is with Citibank which has kept my credit money on hold for no apparent reason.
Complaint sub-issue: Debt is not yours

AFNI, Inc. sent me a collections notice. This debt does not belong to me. By law, a debt collector is required to validate that this debt is mine ( via a contract ) before they can report the debt on my credit report. Because this debt is not mine, I know these procedures were not followed and is causing unjust harm to my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 i sent equifax i sent in exhibit A. I clearly listed my full name, Full SSN Number, Full Address, Full previous Address, Full date of birth, The account and account number of the fraudlent account, what needed to be done in detail. Then in exhibit B Is my proof of identity which is my lease agreement and a picture ID. In exhibit C is the FTC report that i have sent to them, in exhibit D equifax sent me a letter on XX/XX/2020 ( WITH MY FILE NUMBER ON TOP OF MY NAME ) they stated they needed more information from me because they could not locate my file. But i provided everything they listed they needed and i forgot to mention i was denied to have an fraud alert placed on my report. This account is hurting my credit rating and needs to be removed from my report asap!
Complaint sub-issue: Debt was paid

I do not have a mortgage with XXXX XXXX XXXX XXXX of XXXX  Georgia ( merged with Synovus Bank ). I received a Notice of Lender-Placed Hazard Insurance Coverage informing me that a policy of hazard insurance was purchased on my behalf. It is to cover the property listed in the attached XX/XX/XXXX letter and Notice of Insurance.XX/XX/XXXX Lender letter is enclosed ; subject is about the transfer and servicing of that mortgage loan to XXXX XXXX XXXX. The letter states, This is a business transaction between Synovus Bank and XXXX XXXX XXXX and in no way reflects negatively upon your account. The transfer and servicing includes the hazard insurance policy. The transfer date and insurance payment date is XX/XX/XXXX. Placed several calls to both the Lenders and new mortgage service representatives,XX/XX/XXXX ( Lender only ) and XX/XX/XXXX, respectively, about this issue. I explained the debt had been paid off over four years ago. The Lenders representative said she would get back with me. I called her the next day and she wanted proof the debt was paid. The new servicing representative said to email him the document showing the debt was paid. Both were able to retrieve documents and transactions on the mortgage. As reiterated previously, I do not owed this debt. Who are the people involved? XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Synovus Bank XXXX, Georgia XXXX   Telephone : ( XXXX XXXX ) XXXX  Email : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Telephone : ( XXXX ) XXXX   ext. XXXX Email : XXXX Synovus Insurance Tracking Center XXXX XXXX XXXX XXXX GA XXXX Telephone : ( XXXX ) XXXX
Complaint sub-issue: Old information reappears or never goes away

My old pay off Student loans All pay off XXXX XXXX loans And XXXX Equifax XXXX Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Omni Financi, has violated my rights. 

Omni Financial XXXX lost a lawsuit due to illegally charging interests and fees on loans. I was refunded {$1400.00} for part of interest and fee due to their illegal practices. 

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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with Equifax, XXXX, and XXXX  regarding items on my credit reports. Equifax claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately XXXX/XXXX/XXXX. After concluding their investigation XXXX/XXXX/XXXX XXXX agreed with me and deleted the item ( see enclosed letter ). 

On XXXX/XXXX/XXXX Equifax claim to have investigated and VERIFIED this item by means of XXXX! 

EQUIFAX, XXXX, AND XXXX show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/XXXX I purchased a XXXX XXXX XXXX. I financed this vehicle with Gateway Financial services. In XX/XX/XXXX I begin to experience issues with the car. I immediately took it back to the dealership where I purchased it from for service. They fixed whatever the issue was with the car. I continued to make the payments on the car for several months. In XX/XX/XXXX the car began to overheat and leak oil from the engine. I took the car back to the dealership again. They temporarily fixed the problem. I then continued to drive the car and make payments. In XX/XX/XXXX the engine block began to knock which is a direct indication that the engine is about to go out. In XX/XX/XXXX the engine on this car went out. I took the car to the dealership to see what it would cost for a new engine and they told me {$3500.00}. At that the time the car wasn't even worth that amount so I knew I wasn't going to pay that for a new engine. However I continued to make payments on this car until XX/XX/XXXX. I then was able to purchase a new vehicle. It was at this point I stopped making payments on the account and informed gateway that I wanted to do a voluntary repossession because the cars engine went out. My reasoning for filing this complaint is simply because I believe that I was intentionally sold a lemon vehicle. Within a month of me having the car the engine started to fail. I explained the lemon laws to Gateway Financial and they basically told me that it didn't matter that I was sold a lemon. I still owed them XXXX XXXX They have went as far as calling my job and calling my family an friends to collect on a vehicle that was a piece of XXXX to begin with.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a letter to Equifax on XXXX/XXXX/XXXX in regards to the XXXX account # XXXX {$68.00} - I have also sent a letter to XXXX, no response on the erroneous debt.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

So i sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that i dont want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my Federally Protected Consumer rights.
Complaint sub-issue: Account opened as a result of fraud

I was contacted by Citibank on XX/XX/22, however, at the time I did not know it was not Citibank. Everything was conducted in the exact way Citi would do things. I was sent a text, as Citi does, that stated they thought there might be a fraudulent charge on my account. They wanted to know if I made a purchase to Office Depot for {$210.00}. I texted back no and someone, who I thought was from the Fraud Department called me. Every question they asked, Citi would ask. When they asked if they could send a text with a code to verify it was me, I said yes, as that was something Citi does all the time to verify someones identity. In the process of all of this, they told me that they were going to credit my account back the money from the fraudulent charge. I thought okay. Then this person, made a mistake and transferred too much money. They told me that I needed to transfer everything back, minus the fraudulent charge. When I logged into my account, I could see a credit for {$15000.00}. They told me that they accidentally transferred the money that way and when I gave it back to them, it would go away. I trusted that this was Citibank and went ahead and did what they asked me to wire the money back to them minus the {$210.00}. However, I found out that later that I did not wire the money back to Citibank, I wired it to these people who took out a loan for {$15000.00} in my name and impersonated Citibank to get the money. When the credit did not go away, I went into Citibank to find out why. That was when we found out that someone took out a loan in my name and got me to transfer the funds to them.
Complaint sub-issue: Was not notified of investigation status or results

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$360000.00} / XX/XX/2022
Complaint sub-issue: Public record information inaccurate

my account is not being reported 100 % accurate under the 15 USC 1681e ( b ). The furnish name is US BANKRUPTCY COURT I have recently spoken with bankruptcy courts and they stated they never deal with credit bureaus under no circumstances so I don't understand where they obtained the information
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Information belongs to someone else

Multiple accounts on my report that are not mine
Complaint sub-issue: Credit inquiries on your report that you don't recognize

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... 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... If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Complaint sub-issue: Information belongs to someone else

I checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called " Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own XXXX from getting sued like they rightly deserve.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute on XX/XX/21. I never received the results of my dispute as required by law. I never received a copy of my dispute. When I log into Equifax.com, there is no information about my dispute whatsoever other than an investigation was completed on XX/XX/21. I have received zero information about the outcome. My dispute relates to a credit disclosure I received for a mortgage stating I have " too many consumer finance company accounts. '' I have zero consumer finance company accounts. My dispute number is # XXXX.
Complaint sub-issue: Information belongs to someone else

My information might have been impacted by the Equifax data breech and may have gotten into the wrong hands. Many unauthorized inquiries
Complaint sub-issue: Trouble getting, activating, or registering a card

I received a letter from Direct Express in XX/XX/XXXX saying I would get a new payee benefit card because their processor was changing. XX/XX/XXXX came and I never received the new card. I called XX/XX/XXXX and was told they would send XXXX out within XXXX business days. XX/XX/XXXX I called back because I still hadn't received a new card only to be told XXXX was never sent out on XX/XX/XXXX. I again was told to wait another XXXX business days for a card. I was also told the XX/XX/XXXX Social Security benefits would be mailed as a paper check from the Social Security XXXX since I wouldn't have the card by then. Well, on XX/XX/XXXX I didn't receive a paper check so I called Social Security who said they sent the monies to Direct Express. I called Direct Express and now couldn't get a live representative. I tried for an entire week and at all times of day only to get a recording that said their phone lines were busy and I would need to call back. Social Security said they had an internal way of sending Direct Express messages and that Direct Express had an agreement with them to call clients within XXXX  hours of receiving the message from Social Security. Well, I never got a call even after Social Security sent them messages over several days. This has all caused rent and numerous other bills to be late and meanwhile I still don't have a card.