Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I filed an online dispute with Equifax, and when i was emailed that the dispute was complete, i went to the Equifax site to view the results, I was unable to access my information. I was provided a phone number, and when i called in to speak to a live rep, she had trouble understanding what I was asking her. She then asked me a series of questions and told me that she was UNABLE to verify my identity and that i needed to provide Equifax with further erification of my personal information via fax. I found this to be odd since the information i had given her i knew was correct, so i have no idea who i may have been speaking with about my personal information.
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX and i am a laid off roofer of 26 years and due to the weather in the NE i have had no work. I am about to be homeless and my bills are not paid. I need immediate relief. US bank has my unemployment monies from the last 2 months and my family and i need thus money to survive. On or around XX/XX/XXXX I had changed my home address and my debit card from US Bank was frozen. i have made several attempts including reaching out to my PA state representative XXXX XXXX since the deposits are from PA unemployment and have gotten nowhere. The fact that there are no US bank offices in PA, NJ, NY, Delaware the surrounding states made it impossible to actual go there and straighten this out. On XX/XX/XXXX I finally got through to someone and sent them a picture of my ID and mug shot as requested. I was told it would take 2 days. I am besides myself I have not be able to access my money to support my family nor buy food. After 4 hours today on XXXX i was told that the information i had sent them was blurred and not acceptable. They did not try to reach out to tell me that the information was not legible. i received that information from 2 very non caring individuals one of which was a supervisor named XXXX ( she would not give me her last name ). She had no compassion for my issue and the only relief she offered was to resend the information and wait,. You will notice that US bank 's website does not offer any phone number to speak to anyone therefore the only number i had was the number on the card in which i have spent countless hours waiting to speak to someone only to get disconnected The people at US bank should be held accountable for their actions as they simply do not care if my family eats and she refused to escalate the matter. I am tired of the run around i need my unemployment monies now. Please help
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Florida Account # XXXX, XXXX XXXX Credit Account # XXXX, XX/XX/XXXXAccount # XXXX, XX/XX/XXXX Account # XXXX,XX/XX/XXXXAccount # XXXX, XXXX Account # XXXX, XX/XX/XXXXXXXX Reference Account # XXXX, XXXX 's XXXX XXXX andXX/XX/XXXX XX/XX/XXXXXXXX Account 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 states : A consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ), I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/22 I entered the bank at XXXX XXXX XXXX, XXXX, TN XXXX to deposit {$5000.00} in cash that I had withdrawn from my personal account at XXXX  XXXX XXXX. I ensured that I had the receipt b/c on several other occasions First Horizon has refused to take a deposit from my husband for a dividend check from his mom of {$21.00}. Interestingly, my husband has been a client for this bank for over 40 years and his mom for over 60 years as well my husband has approx. $ XXXX so what is the risk. Today, however I attempted to deposit $ XXXX cash into a joint savings account with my husband and was asked for my SSN and where I worked. I did not throw a fit mostly b/c the teller was just doing her job but this bank seems to go over and beyond what would be considered legal. I am concerned that these decisions are racially motivated except for the fact that some of these policies are being enforced by people of XXXX. Enough with this bank!!!
Complaint sub-issue: Account status incorrect

I was scammed by a company named XXXX XXXX who contacted me an told me they can get me into a student loan forgiveness program under the Obama act who would pay my loans in full if I pay this company XXXX and then XXXX a month. I found out it was a scam because it was actually loan consolidation that I could have done myself. And I stop payment on my bank check but they wo n't come off my credit report. Please help. I read on bbb they have scammed a lot of people after signing up with these people. I feel stupid. Please help me. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXXXXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX # XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020
Complaint sub-issue: Their investigation did not fix an error on your report

In late Fall XXXX there were fraudulent charges to my Macy 's credit card. I reported the fraud to Macy 's and was told not to pay the balance, that Macy 's would take care of it. Macy 's did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called Macy 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and Macy 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from Macy 's. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter Macy 's sent me. I called Macy 's to inquire as well. Macy 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax Macy 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.
Complaint sub-issue: Problem with customer service

Called to request refund of loan payment made during covid period. Was told request was submitted. Called one week later, no request seen in system, re-requested the refund, still no updated balance on account portal.
Complaint sub-issue: Problem accessing account

-Check Date XX/XX/XXXX -Check Amount- {$700.00} -Check made out to- XXXX XXXX -Provided the First XXXX XXXX routing and account number. 
-I closed out the account on XX/XX/XXXX -Nothing could be found while I was on the phone either time. 
My account was a XXXX XXXX checking account that was transferred to Key Bank as the companies merged. I've spoken to Key Bank twice providing all my needed contact details-Phone number, Email address, and updated mailing address.

1st phone conversation XXXX, promised a call back with information, no call was made to me.

2nd phone conversation XX/XX/XXXX, did receive a call back, but was advised the same details as the first call, " I'll open a research request to have this reviewed for the check copy ''. I requested the check copy be sent by email as this is needed for a Court Case. I was advised no problem. I was advised that I would be followed up with in 3-4 days by a person from their research department advising of a status. This timeframe has come and gone and no communication by phone, email or mail has been received. 

This check copy is highly important and is time sensitive to me. I'm in no way confident that any action has been taken place by Key Bank. All details that were given to me, such as follow up have fallen through. I need help to get this matter resolved as it seems I've been forgotten about.
Complaint sub-issue: Debt is not mine

I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Regional Acceptance '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Complaint sub-issue: Problem accessing account

Citibank XXXX XXXX Department is using unreasonable and unfair practices to " verify '' my checking account to the extent that it is impossible to verify myself to remove whatever alerts that they claim that I keep occurring on said checking account. 

I currently have my up-to-date contact information ( email, phone number, and home address ) on file with Citibank, yet, the Fruad Department keeps insisting that they need to send me a code to a phone number that I do not have access to any longer, and all because it's allegedly on my " public records '' But, what difference does it make if I have a XXXX alledged " phone numbers '' on my " public records '' if none of them are my current phone number that I actually have access to? 

This is unreasonable and unfair business practices because on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, I spoke with 8 different rude employees on the phone regarding this matter, and three of them disconnected the call while I was still talking with them. And all eight of them continued to talk over me. 

Before this last time of having to " verify myself '' they were able to send me text messages to the phone number on my account. 

I went into the Citibank branch to speak to an employee on XX/XX/2022, and she was dismissive and refused to help me resolve and verify my account as well. I need my account verified within logical and reasonable reasoning.
Complaint sub-issue: Reinserted previously deleted info

Equifax has let negative information back to my report without given proper procedure.
Complaint sub-issue: Problem with additional products or services purchased with the loan

XXXX XXXX ( Mechanics Bank XXXX XXXX Nevada financed the XXXX XXXX XXXX XXXX XXXX  I bought in XX/XX/XXXX. I am XXXX XXXX and a XXXX Veteran who has seen my work slow down because of the COVID 19 Virus, yet XXXX XXXX continually harassers me with phone calls every day, late charges which exceed 10 % of the amount due and charges for GAP Insurance. 
I have told the callers repeatedly I have requested a due date change, they keep calling, I sent an email to XXXX XXXX detailing the issue, they continue to call several times a day. 
I tell them I will Only speak with a Supervisor, a XXXX who Is Not a Supervisor then calls within the hour. This behavior is unwarranted and causing Me XXXX  and XXXX  I Do Not Need or Do I deserve.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

around the month of XXXX Equifax placed a freeze on my account. when a company by the name of XXXX XXXX ran my credit on XX/XX/XXXX, they charged me a XXXX deposit because of the freeze.
Complaint sub-issue: Public record information inaccurate

I did not receive my XX/XX/XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, XXXX XXXX   acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, XXXX XXXX did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided XXXX XXXX with the requested information however, they have not updated my credit report, as they indicated they would.
Complaint sub-issue: Their investigation did not fix an error on your report

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX Equifax and XXXX are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.
Complaint sub-issue: Old information reappears or never goes away

am disturbed that XXXX and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Also a collection account XXXX XXXX is a fraudulent account and I have submitted the proper paperwork and will resubmit it again via by mail. Which clearly show this is not my account.
Complaint sub-issue: Didn't receive terms that were advertised

Hello I opened a business checking account with US Bank on XX/XX/XXXX using online link on their site. Account opening bonus was {$500.00} on meeting eligibility criteria and using code " XXXX '' while opening account. I met the eligibility criteria well before the allowed time. They were supposed to deposit the bonus within 30 days but it's been 2 months and I haven't got any bonus yet I followed up with the US Bank and after a month delay they denied me the bonus saying I don't qualify which is completely false as per terms of the offer ( attached as part of my complaint ). This is very misleading and false behavior and feeling a victim of bad management at US Bank I would like to request you to help me in reaching out the bank and have the bonus credited. Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a bankruptcy on my credit report for a few months now. I disputed with the 3 main credit bureaus and with XXXX. I have attached paperwork received from XXXX after I wrote them and the paperwork states they were unable to verify the bankruptcy as mine and removed it from my credit report. Equifax still is reporting it and has yet to explain how they are verifying this as mine. This should be deleted from my file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am 30 plus days past due on the XXXX partial account number XXXX. ( Please see pages 18 and 19 of the attached credit report. ) I was not 30 days late on my payment. I called the credit card company on the 28th day when I realized that I forgot to make this payment. I paid the credit card balance off in full on that day when I spoke to the representative. The representative removed the late fee since it was in fact, NOT 30 days late, however Equifax has not removed and/or updated my credit report. This incorrect reporting is harming my credit score. XXXX and XXXX are reporting correctly.
Complaint sub-issue: Can't close your account

I had a credit card account with Commerce Bank in excellent standing for a few years and closed it in XX/XX/2018 with a XXXX balance. I received a letter dated XX/XX/2018 stating this and was concerned about the sentenceIf further transactions are presented, you will receive a statement showing the amount due. The card expired at the end of XX/XX/2018 and no charges were made from then until receiving that letter stating official closure of the account. I have confirmed this. I contacted multiple representatives of Commerce Bank, in particular, XXXX XXXX ( XXXX ) and XXXX XXXX ( a consumer advocate at Commerce Bank XXXX, who both told me that the account could be charged in the future if a person or company sends a charge to it. Even months or years later, according to both of them. According to XXXX XXXX, Commerce Bank has an agreement with XXXX that allows this to occur. I read my Cardholder agreement in its entirety, and there is no stipulation that my credit card account is indefinite after it is closed. This is highly irregular and unsettling -- an account that is perpetually open. I can't even access the account anymore because I closed it, yet it may be charged in the future. This is highly irregular. Never encountered this before, and I have used credit cards for nearly 4 decades.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently ordered my credit report form Equifax and i noticed some inquiries that i did not authorize. Such as XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I 'm not aware of any these inquiries that has shown on my report.It 's cause significant damage to my credit report. I 've reached out to Equifax multiple times and stated that these inquiries does n't belong to me. I asked them to delete these inquires immediately. I 've put out fraud alerts reports in XXXX and XXXX because of situations like this.Someone stole my identity multiple times and opened false accounts under my name that I had to file a police report for. These inquires should be removed immediately since it 's against federal law ( Fair Credit Reporting Act-15 USC 1681n ( a ) ( 1 ) ( B ) to report false information on my credit report.
Complaint sub-issue: Old information reappears or never goes away

A collection agency named XXXX started reporting a {$140.00} collection account on my credit report from XXXX. I contacted them and let them know that I already paid this bill through another collection agency, so they never should have reported it. However, all they did was update their account listing as paid. Its still on my report. Since I paid this debt through another collection agency before they even got it, there is no reason why they should have reported this account and my credit report, much less continue to report it. And now their refusal to take it off of my credit report completely, continues to baffle me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The company known as AFNI, a debt collector agency, has been calling me non-stop since XXXX about an old phone debt from XXXX. AFNI typically calls about 2-3 times a day, especially while Im at work. They also occasionally call me during Saturdays as well. I have calling the number back a total of 3 times to tell the representatives that I no longer want to receive phone calls about this debt. Every time that I said this, the representative that I was talking to replied by saying that they will take legal action if not handled soon.