Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

I opened a business checking account at LendingClub Bank, formally XXXXXXXX XXXX on XX/XX/21. After the account was approved and activated, I deposited over a period of a week 8 separate checks in various amounts of between {$5000.00} and {$15000.00}, totaling over {$50000.00}. 

On XX/XX/21 I received an email stating one of my deposits required additional verification and they suspended all access to my account. I could not even login to the online portal. I was asked to provide a paystub to provide additional verification of this deposit and my ID which I immediately followed up by emailing them a copy of the paystub and my driver 's license. A week later I still have no access to the account nor access to any of the funds deposited. 

I have contacted customer service on numerous occasions by phone and email and again today, XX/XX/21, but they refuse to even allow me to talk to a supervisor or bank manager and I get told the customer service agent can not help me. I then requested they reject the deposits and close the account and again, the customer service agent, XXXX, who also refused to provide a last name or any reference to who he is said he could not help with that either. I have no access to my account, I can not even get to login to see what is happening with my funds, I have no access to my funds nor anyway to get to my own money. 

After the XXXX call I finally spoke to an agent who told me the documents I had emailed were in the wrong format and to send a XXXX version and non a XXXX version. But this was not communicated to me in any other
Complaint sub-issue: Debt was result of identity theft

I contacted XXXX XXXX XXXX  and told them I was a victim of identity theft and I did not open a account with XXXX I was rerouted to XXXX and XXXX told me I dont have any accounts with them and my account balance is {$0.00} I contacted XXXX XXXX XXXX again and reported this information and was told they bought my account from XXXX. I have no open account with XXXX and I have never signed any contracts with XXXX XXXX XXXX and I do not owe them any money
Complaint sub-issue: Information belongs to someone else

MY IDENTITY WAS STOLEN. AMERICAN EDUCATION SERVICES HAVE PUT INFORMATION ON MY CREDIT REPORT WHICH DOES NOT BELONG TO ME. 

I STRUGGLED TO PAY TUITION FOR MANY YEARS. I WROTE AN ESSAY DURING MY CLASSES AT XXXX XXXX AND THE SEMESTER PRIOR TO GRADUATING, THEY GAVE ME {$1400.00}. IF THERE WAS ANY MORE MONEY, I DO NOT KNOW WHO GOT IT. I DID NOT GET IT. 

I HAVE BEEN IN CHAPTER XXXX FOR 5 YEARS AND ANY BILLS THAT I HAD PAID TO CHAPTER XXXX. AFTER THAT ANY CHARGE OFF OR WRITE OFFS HAVE BEEN RESOLVED DURING THAT PERIOD. 

I DO NOT BELIEVE THAT THIS DEBT BELONG TO ME. SOMEONE HAVE BEEN USING MY ID AND MY SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE. 

I HAVE REPORTED THIS MATTER TO THE XXXX XXXX POLICE DEPARTMENT REPORT # XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I'm in the middle of a divorce and I checked XXXX XXXX in XX/XX/XXXX. I found that my wife had opened up a Best Buy/CBNA card in my name in XX/XX/XXXX ( XX/XX/XXXX to be exact ). So I just found out about this fraudulent card a few months ago. I contacted Best Buy/Citi and told them that I didn't know this card existed, and that I never opened the account. The fraud team told me that they would do nothing, that I was responsible for the {$4100.00} balance, and that it would remain on my credit file and credit report. I explained that the card was opened in my name and that I didn't know about it for 8 years. Best Buy/Citi still would do nothing about it and held me responsible. On my divorce lawyer 's advice, I requested the statements from XX/XX/XXXX to XX/XX/XXXX, which they sent me. I was also advised by my attorney that since my wife admitted to the fraud in my name, that I should still pay the minimum monthly balance, which I have been since XX/XX/XXXX. Even if my wife has to pay for the balance when our divorce is final ( and this is only my hope and my lawyer 's hope ), this Best Buy/Citi card has been on my credit file for 8 years without my knowledge, and as a result has affected my credit score and financial health for 8 years without my knowledge. I'm surprised that Best Buy/Citi allowed my wife to open the card in the first place - that their business practices are so fraud-prone and unethical ; and I'm even more surprised that after I informed them 8 years later, they will do nothing to correct their mistake, and I continue to pay for a card I did not even open, nor know about.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I submitted a debt validation letter to XXXX XXXX XXXX. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.
Complaint sub-issue: Information is missing that should be on the report

" XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. 

" XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXXXXXX 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  THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX XXXX WHO I INHERITED THE NAME FROM. 

I WOULD LIKE THE FOLLOWING EMPLOYER ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT AS IT IS INCORRECT, WITH NO EXISTING TIN FROM EMPLOYER. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX reported balance {$230.00} This account doesn't belong to me i tried contacting the company numerous times and haven't been shown proof this account is mines i want it removed from XXXX report asap
Complaint sub-issue: Received bad information about your loan

Nelnet student loan taken out in XXXX has been paid in a timely manner. In XX/XX/XXXX, Nelnet changed the personal account name and dob on the account from xxx to XXXX XXXX. I contacted Nelnet and they said it was XXXX XXXX College erroneous information. Nelnet changed the account back to xxx and corrected their records. 

Today, XX/XX/XXXX, the same thing has happened. Nelnet is trying to file an inquiry with XXXX XXXX College to fix the issue. However, my concern is student loans are being taken out using xxx social security number and thus is incurring someone else 's debt.
Complaint sub-issue: Attempted to collect wrong amount

agency has accepted settlement and refuse to show the credit reporting changes to my credit : Procollect XXXX, TX XXXX Violating the F.A.C.T Act. they are reporting delinquency of the account in which they have accepted funds. 

They have repeatly change my last date of activity to change when this item is to be removed from my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX, initiated 3 hard inquiries on my equifax credit report without my authorization. The inquiries where improper and unnecessary. All three inquiries were done in less than 90 days. I contacted XXXX XXXX XXXX by phone and they told me they had no record of the inquiries. I also contacted them on writing, with no response. The inquiries were done on the following days. 
XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

These accounts do not belong to me. Please remove
Complaint sub-issue: Didn't receive notice of right to dispute

called Great Lakes Servicer to ask if the loan was government or private but was told that the account was handed over to XXXX which is a collection agency and explained to Great Lakes that this is no longer a government loan but a private loan and was explained to me that they are working for Great Lakes Services to collect the debt. but according to my credit report will show that the account is up to date and paid on time. XXXX  back in XX/XX/XXXX and did a back ground check on the School which is XXXX College had shut its doors due to accreditation making students pay for loans knowing that the process that they used is waste fraud and abuse knowing that the classes that were taken could not be transferred to a regular college or university. Since this school has closed its doors no student should have to pay back this loan and therefor should be permanently discharged whether the student graduated back in XX/XX/XXXX or XX/XX/XXXX. This loan should not have been handed over to a collection agency knowing good and well the account was being paid up to date as noted on the consumer credit report which will be mailed to the Consumer Protection Financial Bureau as evidence. The consumer asks that the loan be completely discharged and reported to all three Credit Reporting Agencies as such due to school disclosure.
Complaint sub-issue: Account status incorrect

My car was totaled in XXXX. The insurance company contacted XXXX XXXX XXXX to get payoff so they could send the payment for the balance of the car. XXXX  XXXX  sent payment to XXXX XXXX. The car was paid off but XXXX XXXX continues to report negative information on my credit report. I have called them to ask them to update the report and they told me they don't handle the credit reporting. As of today 's date the information is still inaccurate and the balance is inaccurate. I had Gap insurance to cover the balance but they will not update it.
Complaint sub-issue: Their investigation did not fix an error on your report

I keep getting letters and phone calls from insurance companies trying to sell me home owners insurance
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Us Department Of Edu Inquiry from XX/XX/XXXX State Us Department Of Edu Inquiry from XXXX XXXX, XXXX State
Complaint sub-issue: Card opened as result of identity theft or fraud

There was a fraudulent credit inquiry that I was made aware of in XX/XX/XXXX with CBNA Sears that happened on XX/XX/XXXX. I initially called Sears CBNA in XX/XX/XXXX when I conduct my annual credit report check and was made aware of the fraudulent activity, and was transferred around multiple times by different representatives getting the run around, I was told to mail my police report to the CBNA Sears office in South Dakota, and now they are asking for a account number that does not exist as the store card that was fraudulently applied for in my name was denied. I mailed out the letter and waited a few weeks for a response from Sears ; I received a letter from CBNA Sears XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX on XX/XX/XXXX, the letter stated that since I did not have a account number they could not process my request to have the hard inquiry for a Sears Store Card removed from all of my credit reports. I sent them a police report stating I was a victim of identity theft and they are not handling the situation at all. I want the fraudulent credit inquiries removed from my credit report on all three credit bureaus. 

Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a letter to XXXX XXXX, XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XX/XX/XXXX and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, Equifax XXXX,  XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX to help me resolve this issue with XXXX XXXX. All 3 bureaus gave me the run around and all I wanted was an honest investigation.
Complaint sub-issue: Old information reappears or never goes away

I became a XXXX thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by XXXX XXXX XXXX that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. XXXX XXXX is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue XXXX ; financial, personal, and professional sacrifices. Please rectify this issue.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute on a charge XXXX ( XXXX ) made for {$380.00}. rather than the monthly amount of {$38.00}. I sent Citi a detailed notice and explained that XXXX charged for a whole year of service rather than the monthly amount which Ive paid that way for over 12 years. As Citi was taking its time to handle the dispute, I sent Citi payment to cover the amount of time used at XXXX. In the mean time Citi co-mingled the dispute I had with Home Depot ( who didnt make a credit on a refund even when I had the refund receipt ). The Citi sent me a letter stating the dispute with Home Depot was resolved in my favor but put the amount the dispute with XXXX was for. I sent them a letter requesting they clarify that resolution letter. They did nothing. Ive called them several times and sent them what they needed. However, they havent sent me anything in writing for some time or tell me the status of the dispute with XXXX. When I call them, they give me the run around and tell me to resend everything. Ive requested to get things in writing from them but they dont respond or do it. Its gotten to the point Ive had to put a freeze on the account. When I ask for a managers name or phone number they say they dont have one. And, that they will have to handle it in the order it was received. It was received four months ago and was never handled. They said they couldnt expedite this and do n't have a phone number for their expediting office. Theyve admitted they co-mingled the disputes but arent willing to do anything about it. They simply are just incompetent and when its brought to their attention, it starts all over again.
Complaint sub-issue: Card was charged for something you did not purchase with the card

We were out of town for my grand baby funeral about a week later.I turn on my answer machine.I heard a message from Citi Sears Shop Your Way Master Card they stating that my card was used possible fraud Charges. I called them back to let them know it wasn't me and I didn't authorize nobody to use my card.The balance is {$1000.00}. I kept calling them to reopen the claim they gave me a fax number.I faxed them twice I still didn't hear nothin from them.I called Citi Sears Shop Your Way Master Card yesterday XX/XX/XXXX to ask her what date this all took place on she said she didn't see a date to give me. I would say some where around XX/XX/XXXX.I made a payment XX/XX/XXXX for {$28.00} I made another payment in XX/XX/XXXX for {$34.00} I couldn't understand why the payment went up.She told me the case is still being processed, I said why I am paying on fraud charges that's not process yet she said Iam not surppose to be paying nothing. I get a bill every month with fraud charges on it, the bill never been adjusted.and nobody letting me know what's going on.I had a XXXX  balance before all of this happen.Thanks in advance.
Complaint sub-issue: Information belongs to someone else

Pursuant 15 USC 1681b ( 2 ) - permissible purposes of a consumer report, I never gave any consumer reporting agency any written consent to report XXXX XXXX or XXXX XXXX on my consumer report. No consent is identity theft. Both XXXX and Equifax are in violation of my consumer rights according to the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Their investigation did not fix an error on your report

I began notifying the consumer reporting agencies and secondary reporting agencies that I am an identity theft victim on XX/XX/22. XXXX and XXXX reviewed my identity theft report and removed the fraudulent items from my credit report. Equifax, XXXX, and the other reporting agencies have failed to do so. According to 15 USC 1681 c ( 2 ), a consumer reporting agency must remove and block any information from the file of a consumer that the consumer states is the result of alleged identity theft within 4 days of being notified. It has been well over 4 days. Also 15 USC XXXX a XXXX says that no account can be furnished on my credit file without my written permission. I have not given anyone written permission. Also, XXXX XXXX XXXX XXXX and Regions appear on my credit as charged off. To my understanding, this is illegal. The IRS considers this to be income. They are committing tax fraud. 15 USC 1681 e b is being ignored. They are reporting information that is not accurate.
Complaint sub-issue: Debt was paid

Paid contract off in full, company tried to collect more money after I paid off debt
Complaint sub-issue: Inadequate help over the phone

I submitted a dispute with Equifax on or around XX/XX/2017. Multiple items were deleted, however several items came back as verified. I contacted Equifax on XX/XX/2017 and asked how the items were verified. I was advised by a customer service rep ( XXXX ) as well as a supervisor ( XXXX : ID # XXXX ) that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me. I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). The supervisor, XXXX, advised that I would receive a document via mail that explains their general verification process however she would/could not address the concerns regarding the verification of the accounts on my profile.
Complaint sub-issue: Investigation took more than 30 days

A letter of dispute was sent to Lexis Nexis and received by the company on XX/XX/22, see attached certified receipt. In my letter, I requested an investigation into a record being reported on my consumer report. In accordance with 15 U.S. Code 1692g - Validation of debt. Lexis Nexis has 30 days from the date of receipt to investigate any disputes regarding erroneous items. As of XX/XX/22, no response has been received by Lexis Nexis.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried to dispute some items off my credit report with Equifax and I am unable to do so. Their website will not allow ANY disputes to go through. Specifically, I am unable to dispute anything on my credit report and there are items on my credit report that should not be there. For one, XXXX XXXX. There are others however, I am not able to see them nor dispute them. Please see my original complaint I submitted last week below. THIS IS A NEW DISPUTE not an existing one. I need a copy of my report and I need to be ABLE TO DISPUTE incorrect items off. 
XXXX Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has received the payoff - were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX, XXXX  and Equifax as well.  They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit report with Equifax. There are also other items on Equifax report that I need to dispute.
Complaint sub-issue: Can't temporarily delay making payments

I received a letter from Nelnet thanking me for applying for a XXXX..This letter is dated XXXX XXXX. Now heres the problem I never applied for anything. This company unbenouced to me automatically did this.pulling it from the holder ( XXXX ) where it was in hardship status The letter goes on to state garnishment threats etc.How is it that this 3rd party company can do this.
Complaint sub-issue: Reporting company used your report improperly

Equifax should have reported the security breach when they first learned about it instead of leaning on it and seemingly allowing top employees to benefit by delaying the news. It is unacceptable that the data thieves have had access to my and others ' information for such a long amount of time before we were made aware and able to take steps to try to prevent or mitigate any identity theft. They should also have obviously invested more in their cyber security division. Equifax is a credit report that US citizens are forced to use due to the credit-driven nature of our society, and lives are easily ruined by identity theft and the compromising of someone 's credit. Though they are victims as well, they should be held somewhat accountable.