Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem lowering your monthly payments

I started at XXXX XXXX in XX/XX/2008 and did not finish my degree. I have student loans and the college has since closed. My loans were sent to collection company as I could not afford the HIGH payment they wanted me to pay. I am currently making {$14.00} monthly payment to collection because they have withheld my Tax return. I have asked several different times of lowering my payments to a reasonable amount and can never get anywhere? I would figure they would work with me instead of not getting paid. I just received a phone call from XXXX stating my loan was accepted into the Navient lawsuit and to call this number for 90 % loan forgiveness and gave a ref # XXXX to use when I call back. I'm not sure if that is a scam. I owe over {$30000.00} In student loan debt as I'm not saying I don't owe this but these companies will not work with me.
Complaint sub-issue: Investigation took more than 30 days

First I sent in a letter but it was left unacknowledged then I tried to dispute it online and it has been in que since XX/XX/2020, calls do not get picked up and the website only shows some items available to dispute but all under collection. The whole Equifax is bad I'm shocked how much stuff is incorrect. Might be a glitch idk.
Complaint sub-issue: Other problem getting your report or credit score

I applied for credit at my credit union and the application was declined, with a reference to Equifax credit bureau reporting. I called the phone number referenced in the decline letter. A pre-recorded message advised of a website - www.equifax.com/fcra - that could provide an online report. However, when I filled in the information requesting the report a response was provided which advised that " Online Delivery Unavailable '' further advising me to contact them at XXXX. 

XXXX is an automated line, with no option to speak with an agent. Obviously, I wanted to speak with a human so that I could determine why my online request was denied. 

So I then went to the main Equifax website and found a support phone number - XXXX. This number was routed to a call center in XXXX. The agent immediately requested my Social Security Number - for the record I am not comfortable providing my SSN to call center agents outside the US, there should be a law against call centers outside the US collecting SSN.

Regardless, after providing the agent my SSN the agent directed me to XXXX and advised that I could get my credit report there. This is fraudulent, as XXXX provides one free annual credit report as required by law. Whereas I'm entitled to a separate free credit report having been declined credit. Using XXXX would have inappropriately used my one free annual report instead of the free report I'm entitled to having been declined credit. 

After explaining this to the agent, I was redirected to a call center in the XXXX where the agent again requested my SSN ( see comments above regarding providing SSN to call centers outside the US.

Reluctantly I again provided my SSN. This prompted a long list of  questions regarding my personal credit history. Many of these questions were nebulous and required my to provide far more personal credit history than was needed to verify my identity. Instead of asking open-ended questions about my credit card payments, the agent should have asked yes or no questions such as do you have an account with xyz with monthly payment of xxx.xx?

Finally I was advised that a credit report would be mailed to me via the USPS and arrive in 7-10 business days - not very helpful as I need the denial information NOW. 

This entire process was deceptive, convoluted, inaccurate, unnecessarily lengthy and required disclosing sensitive personal information including PII, credit card information, and other data to entities outside the US.

It is outrageous that this is the best the credit bureau companies responsible for US citizen 's person financial information when it comes to reporting on declined credit.
Complaint sub-issue: Information belongs to someone else

There are multiple Accounts on my report I do not recognize
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquiries on my EQUIFAX And XXXX consumer report. Ive filed ID theft already and they have not assisted me properly. The account number for the collection account on EQUIFAX is XXXX. They failed to verify the information prior to adding the information to my consumer report. It is also stated on the account summary that the account is a medical bill and that is also against the law
Complaint sub-issue: Information belongs to someone else

I have fraudulent accounts on my credit profile that does not belong to me when I looked at my credit they are fraudulent accounts I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I made a few disputes with card.com Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX and 3 atm withdrawals which I never received my services or money from the atm or received my food and card.com refuses to refund my money.
Complaint sub-issue: Transaction was not authorized

I saw a charge on my i did not authorize at a hotel i contacted Citibank to let them know that it was unauthorized. They opened up a dispute not even 2 weeks later they wrote me a letter stating they cant help me and i will be responsible, why should i be responsible for a charge i feel they did not do a proper investigation because i DID NOT stay at any hotel they should reach out check cameras etc not just say your going to charge me without properly investigating. the amount of the charge is {$300.00} the date of the charge is XX/XX/XXXX i want a thorough investigating to visit a hotel you need ID i want to see what ID was used for this because it was not mine i am very upset Citibank does not investigate thoroughly when it comes to consumers money also i want to know what happened why is Citibank charging me for something i did not authorize or purchase also they didnt contact me or ask me for any proof they just went a letter stating that i can not prove that my debit card was not used when they didnt ask me for anything or investigate properly. I was not at a hotel and did not charge a hotel on my account
Complaint sub-issue: Can't close your account

I 1st called to close the Total card on XX/XX/XXXX due to annual fee of XXXX and mthly service fee of XXXX. I received an email in XXXX that I owed money so I called them and they said the account was closed. I called again XX/XX/XXXX spoke with supervisor XXXX about account not being closed and he promised me that it would be taken care of. The most recent call I spoke with XXXX a Supervisor who said this would be resolved by Friday XX/XX/XXXX. I got an email today saying that I owe Total XXXX in late fees and interest fees. This is ridiculous I dont understand why this company wont just close my account. Its been 4 months since I closed the account back in XXXX, plus late payments are being reported to the credit bureau.
Complaint sub-issue: Debt was paid

My daughter no longer went to the facility for childcare and they still ; continued to charge me even after she was no longer attending.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have three credit cards issued by Citibank. I have NEVER been late on payment. Instead, I always made my payment on time. And over the years, for several times, I have paid off completely the balances on these three credit cards, showing both my good will to be a good customer and my ability to financially manage my credits/debts. Also, I have a very stable job as an XXXX XXXX in a large public university, with annual income over {$180000.00}. Fairly speaking, I have no issue whatsoever paying off my credit card balances. 

To my very surprise, on XX/XX/XXXX, Citibank has notified me that they have updated my credit limit. Specifically, they have significantly lowered the credit limit of ALL my three Citibank credit cards, which almost erased all the rest of " available credits '' at that point. Accordingly, the percentage of debts on all my three credit cards have increased in a sky-rocket way. That consequently had a significant and negative impact on my credit score. I feel that as a long-time loyal and good-record customer ( about 13 years ) with Citibank, I have been discriminated against by Citibank with significant adverse impact on my credit score.
Complaint sub-issue: Didn't receive notice of right to dispute

I have a Citibank Student loan account on my credit report that continues to lower my score and I have never received any letters or notification about this, it has just appeared on my credit report. The student loan in question is past the statute of limitations, but hasn't appeared on my credit report before this.
Complaint sub-issue: Was not notified of investigation status or results

Equifax still has not resolved the previous disputes nor provided required results of investigation and has been in multiple violations of the FCRA as per attached. Equifax has not paid violations invoice as attached.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

XXXX is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than XXXX XXXX XXXX. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than XXXX points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have XXXX jobs in XXXX XXXX XXXX  all of which require both : background check and credit score. 

XXXX is accessing information and sharing it indiscriminately during Covid and the economic crisis at this time.
Complaint sub-issue: Account opened as a result of fraud

I received a debit card, with account number, in the mail. I did not open an account or solicit a debit card from the company, " Card.com ''. My name and address are correct on the mailing.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the account XXXX XXXX  XXXX with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$220.00} ) with Equifax , XXXX  and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$150.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$250.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with Equifax , XXXX and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$720.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXXXXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However Equifax, XXXX and XXXX have it marked as late, charged off with a blance. 

I disputed the account XXXX  with Equifax, XXXX and XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however Equifax, XXXXn and XXXX have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However Equifax, XXXX and XXXX have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist
Complaint sub-issue: Account status incorrect

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Inquiry XXXX Date of inquiry : XX/XX/2021
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX. ) XXXX XXXX : ACCOUNT XXXX XXXX. ) XXXX XXXX XXXX : ACCOUNT # XXXX Credit Inquiries : XX/XX/XXXX XX/XX/2021 XXXX XXXXXX/XX/XXXXE XX/XX/2021 XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 EQUIFAXXX/XX/XXXXXXXX XX/XX/2021 EQUIFAX XXXX XX/XX/2021 XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX, has violated my rights. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Under 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. 

Thank you,
Complaint sub-issue: Company closed your account

On the date of XXXX, Citibank suddenly closed all my credit cards without any warning or notice. When I called, the agent refused to reopen the account or disclose any related information. This is very arrogant as a general credit card issuer.
Complaint sub-issue: Problem with personal statement of dispute

In XX/XX/XXXX, I was having trouble getting refinancing on our current home mortgage with XXXX XXXX. I spoke with several lenders and they said our payments were showing late for many months. I pulled our free credit report and sure enough they are showing I was late for so many months. I pay our mortgage 2x a month breaking out the payments based on our pay periods. I have been doing this for a couple years now as jobs have changed. In XXXX we filed for a hardship program and we were awarded this program. They told us that we wouldn't be reported to the credit bureaus if we complied with all guidelines. Which we did. It is still showing on our credit report that we are 120 days late which isn't true due to the program we followed, this raised our interest rate and pushed the loan out 3 months longer. 

XX/XX/XXXX when Covid hit NC I was furloughed and had to go on unemployment. Took a few weeks to get that up and running, in the meantime my husband was working so it took a little longer to pay the mortgage so yes we were a little late on that one.

We didn't file a Covid 19 hardship issue as that wasn't the case for us we were able to stay on track. The mortgage is always paid with in the month and if after the XXXX the late fees are paid as well and we were putting an extra XXXX down on principal. 

On XXXX XXXX I sent them a letter after I spoke with them and they told me either to write or fax why we need this corrected on our credit report. 2 weeks later we get a response saying they report according to the fair credit reporting act. ( Thats XXXX ) I looked at all 3 agencies, and XXXX doesn't even show anything but 2 mos of XXXX, XXXX shows many late payments past 30 days, Equifax has missing months. They don't report correctly at all and not fair. I pulled my bank info as I send the payments the day of payday they are wired to them via the bank and there isn't a missing payment in each month. When I pulled their payment statements, it doesn't match mine and all I see is applied to ie : XX/XX/XXXX? I want this corrected. We are in the process of selling our house and need to purchase a new one. This company are crooks, I didn't ask for them they took over our original mortgage when we purchased this in XXXX. They don't respond when you call, all you get is send letters.. They don't communicate and they are rude..
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Home Depot Credit Services, XXXX. XXXX  XXXX XXXX XXXX, MO XXXX Re : XXXX XXXX Commercial Payment Stub Request for Charged Off Account I am requesting a last statement printout to be mailed to me in order to pay off the total remaining balance on my charged off HD Commercial Account # XXXX XXXX XXXX XXXX. 

I have multiple times attempted to pay off my balance over the phone or through online retailservicescommercial.citi.com ; no one is able to tell me how to pay off what I owe because my account has been charged off they told me. When I had very little money coming in during COVID crisis, Citi bank guys called every week to squeeze out of me any dollar bills I had ; and I paid whatever I could! Now that I got paid by others and business is picking up slowly and have the means to pay you back ; you locked me out of the account and charged me off! I could pay over the phone by giving you a debit card just as I did when I couldnt afford to pay ; but this option is no longer available ; and my online account which I could pay is also blocked. In addition, no bills, no statements and no more letter are coming in or phone calls ; I wish you would call once more so I can pay off my debt. All what I need is a statement with the amount I owe you and I can pay right away ; all the fees up to XXXX XXXXand everything I owe you. So simple. I sent two letters to Home Depot Credit Card services asking for a statement to be mailed and no response. 

Please send me a statement with the total outstanding balance of my Home Depot Commercial account # XXXX XXXX XXXX XXXX of what I owe you.
Complaint sub-issue: Information belongs to someone else

It appears that /my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.