Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account opened as a result of fraud

I received an email from MoneyLion ( issued by XXXX ) on XX/XX/2021 in my personal XXXX account states that " Your new MoneyLion Debit Mastercard is on its way ''. Apparently, someone was able to open a checking account under my name with a company named " MoneyLion ''. I called MoneyLion XXXX XXXX XXXX on XX/XX/2021 and spoke to a representative, XXXX XXXX, once she verified some basic information about myself, she was able to close the unauthorized XXXX  account ( checking account ), and sent me an email. As my understanding, my identity information ( name, date of birth, SSN, address, email ) was stolen. I have no idea who did this and why this company issued a banking account under my name with no credit verification. I hope you do your best to get to the bottom of this. I placed fraud alert on XXXX, XXXX, XXXX, and XXXX. Thank you in advance. Regards,
Complaint sub-issue: Received bad information about your loan

I can't make a payment on my loan because it says " Your account includes TEACH Grant ( s ) only. Limited information may be available on our website. '' Are you KIDDING ME???? I don't have a teach grant nor have I ever had a teach grant. It's disturbing that this mistake has occurred without my knowledge and now I can't make payments on my student loan. I need to know how this occurred and I want this fixed ASAP!!!! You are hurting my financial health and I'm not happy.
Complaint sub-issue: Information belongs to someone else

There are currently numerous accounts, addresses and names listed on my report that are a result of malpractice or an error.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the company about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the accounts ASAP!!!. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.
Complaint sub-issue: Account status incorrect

XXXX/XXXX  xxxxxxx XXXX I completed the Student Loan Rehabilitation Program so this account should NOT be reporting any LATE payments. Correct or delete the account right away!
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you, and I didn't get a response within 30 days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I have 2 credit cards that I had settlements with I paid both of the settlements off in XXXX of this year ( 2022 ) the XXXX XXXX XXXX still shows a balance & the XXXX XXXXXXXX XXXX also shows a balance I've submitted to the credit reporting companies a lot of times & nothing is changed
Complaint sub-issue: Can't decrease my monthly payments

I have been trying to get my private student loan payments reduced for some time now, I am a single mother of XXXX and can not afford the now $ XXXX month payment. I have requested to the company many time to see if I could get some sort of income based repayment option, but have been repeatedly told there is nothing they can do for me but put my account in forbearance. I have submitted a complaint here before and the only outcome from the company was to call me and tell me again that there was nothing they could do for me because of me having my account in forbearance, my account is up to date and not showing any hardship. The employee stated to me that the company " might '' be able to help me if I let my account fall past due, because only then would it show a hardship and they " might '' be able to lower the payments a little bit. I stated to the employee that I would not default on a loan and the employee told me not to worry about it because they do n't report it to my credit report for 60 days and " hopefully '' they would have been able to do something before then. I again stated I would not default on my loan and the employee stated then there was really nothing else they could do for me. When I got upset that the employee was telling me to default on my loan the employee stated several times that as a company they could not suggest I default on my loan, when I stated that he had just told me it was the only way I " might '' be able to get the payments lowered he stated again as a company we can not suggest you default on a loan but yes the only way to possibly get a payment reduction is to have the account showing hardship like being past due. The employee than stated that when I accepted the loan I signed an agreement to pay back the loan and that I had to be held to that agreement. I stated to the employee that I fully understood what I agreed to and that I had every intention on paying the loan back all I am requesting is lower payments. The employee informed me that they did not have to offer income base repayment options because they are a private loan company. Nothing came of the conversation and I again had to put my loan in forbearance this month.
Complaint sub-issue: Public record information inaccurate

These companies are reporting information in regards to a name, bankruptcy and addresses to the credit bureaus that do not belong to me. Despite disputing several times, Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX have refused to delete this information from my reports resulting in my credit profile suffering tremendously.
Complaint sub-issue: Report improperly shared by CRC

On XXXX XXXX, 2016 XXXX XXXX ran a hard inquiry of my credit report. I was notified by a service regarding this hard inquiry. I contacted them and was told a XXXX inch television had been ordered in my name and was to be delivered to my front porch. I did not order this and was able to get XXXX to return it to this company. 
My concern is that this company is a predator. They are granting easy credit for their overpriced mail order items based on a persons a name and address to people who can not afford these overpriced items. Scam and fraud comes into play because anybody can order merchandise with fake names and addresses. The items are delivered to front porches of homes and picked up by thieves who placed the order. In the meantime, the unsuspecting consumer has their credit checked and receives the bill for these items.
Complaint sub-issue: Was not notified of investigation status or results

I have noticed many incorrect items appeared in my report.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX, I was a victim of identity theft. The thief made multiple charges on my behalf using my bank information from my bank app and created a XXXX account. They ordered XXXX rides totaling to about {$55.00}. My bank has resolved a couple of the charges. 

However, on XX/XX/XXXX, TRS Recovery Service collection agency tried to collect for the remaining amount of about {$26.00}. I responded by filing a forgery or identity theft through their online website with the police report attached. 

They sent a second follow up letter on XX/XX/XXXX stating " no attempt to collect '', but requested for personal identifying and bank information, which I am not comfortable sharing. They provided a fraud and identify theft reference number.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a line of credit open with XXXX  XXXX XXXX XXXX with a credit limit of {$2000.00}. The account that has been open since XX/XX/2015 and Equifax refuses to report the account on my report. I reached out to XXXX  XXXX and they contacted Equifax directly and sent proof that they have been reporting my payments and account status each month. Its been over 3 months and the account is still not reporting on my credit file. I am not able to get any assistance over the phone. They just keep telling me that its in review. I have sent in several request via certified mail and they keep sending me letters saying the account is not on my file then send me a copy of my credit report which is not needed since I am aware the account is not reporting and that is the problem. This is severely impacting my credit score because I have a an account with over 5 years of good history that is not reporting even though the creditor is reporting it to all 3 bureaus each month. I have attached proof from XXXX  XXXX  as well as letters I have sent.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 daysstated that a later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

There is an installment loan from a company called XXXX on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.
Complaint sub-issue: Funds not received from closed account

On XX/XX/2020 I have opened Citigold interest checking ( XXXX ) and Saving ( XXXX ) accounts and deposited correspondingly {$1600.00} and {$400.00}. Next day ( XX/XX/2020 ) for no reason my money were blocked and on XX/XX/2020 all my accounts were closed by Citibank. On XX/XX/2020 I received {$400.00} check from my closed Savings account but I'm still did not receive my {$1600.00} from my checking account. I spent many hours on the phone with Citibank 's customer service and I did go to the Citibank branch multiple times regarding getting my money back. Unfortunately nobody in Citibank can help me and I still do not understand how can I get my {$1600.00} back. 

I feel helpless and extremely dissatisfied with Citibank!
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. As of todays date XXXX stated they did not have my FTC report on file and the late payments and accounts that are not mines are still reporting as well as a closed accounts from XXXX XXXX XXXX, XXXX is still reporting late payments for the accounts that are not mines and Closed Account XXXX  XXXX. And Equifax is reporting a closed account XXXX XXXX. I would like help with removing these accounts
Complaint sub-issue: Account status incorrect

disputed the late payments reported on XXXX XXXX. 
XXXX. Equifax never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, I opened Key XXXX XXXX  account # XXXX. KeyBank was offering a bonus of {$200.00} when you open a new eligible XXXX account and complete the following requirements : Use offer code XXXX Receive a single direct deposit of $ XXXX On XX/XX/XXXX, I received a qualifying direct deposit from my employer. 

In early XXXX, I reached out via online chat and I was informed that I would need to wait 90 days for the bonus to post. 

On XX/XX/XXXX, I reached out again via chat because the bonus did not post in XXXX as promised. I spoke with XXXX who offered to put in a request to the back office, but I never heard from the company after that. 


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Complaint sub-issue: Public record information inaccurate

I know this is not the fault of the person handling this case but someone needs to see this and take action ... 
As a result on an investigation I requested, on both XX/XX/17 and XX/XX/17 ( see enclosed reports ) Equifax was showing a bankruptcy as deleted and not reporting respectively. Only to add it back later. According to the reports sent to me " If an items " Deleted '' Equifax has removed the item and was supposed to take steps so that it does not reappear. '' Equifax has failed in this regard and is in violation of the FCRA ...
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point Im considering taking legal action. 
15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Complaint sub-issue: Debt was result of identity theft

THE BUREAUS have illegally purchased and reported and fraudulent account that was resulted from Identity Theft..They have failed to contact me as required by the FDCPA, They have also violated the FCBA and multiple other reporting violations by falsely reporting this account
Complaint sub-issue: Reporting company used your report improperly

equifax has been reporting inaccurate personal information on my consumer credit profile for sometime now and all efforts by myself to get this wrong and inaccurate information completely deleted from the information housed by Equifax under my consumer credit profile has proved futile. i demand this inaccurate address information ( XX/XX/2021 CURRENT XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ) be deleted immediately but Equifax for some weird reason is adamant on violating my rights guaranteed under the FCRA guidelines passed by the united states house of representatives. Their flagrant violation of the law and blatant refusal to comply with the guidelines set forth under the fair credit reporting act has exposed and made me vulnerable to all forms of fraudulent activities which i have grossly suffered for. i demand that Equifax cease and desist from its continuous and perpetual violation of my guaranteed rights which daily compromises by identity and Delete ( XX/XX/2021 CURRENT XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ) from my credit profile immediately. This information has been disputed, invalidated and deleted by both XXXX AND XXXX. Equifax is yet to live up to the same credibility. i have attached evidence of a screenshot with a highlighted portion of the information in question.
Complaint sub-issue: Old information reappears or never goes away

I have an account with  XXXX   XXXX  that was paid and closed in  XXXX . For some reason, they started reporting the account again in  XXXX , even though it was paid off in  XXXX , and the account closed. Both Equifax and   XXXX   are still reporting the account.  XXXX  says it will stay on reporting until  XXXX . This account should be gone from my records.
Complaint sub-issue: Information belongs to someone else

I've contacted the company moneylion about an account that was opened in my name. I explained to them that i never opened this account and that it was opening fraudulent. After a few days I received an email from moneylion that I am correct that this account was opened fraudulent. They also sent me an email stating the same.
Complaint sub-issue: Information belongs to someone else

I noticed a couple collections on my report I did not authorize
Complaint sub-issue: Account status incorrect

Showing a debt in collection the debt was incorrect and never occurred The problem was corrected by the claimant over two years ago but Equifax continues to show this
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

IOn XX/XX/2021 a charge was made againt my XXXX XXXX  card ( CashApp mobilie app ) following which time I contacted support on the mobile app. There is never anyone available by voice on the phone nor by live chat ; only by XXXX  email ... days later which emails can not be verified. XXXX XXXX  refuses to address the unauthorized charge issue, refuses to investigate the issue, and even worse has very poor security mechanisms in place to properly secure my assets and prevent fraud. The security failures are so gross such as to suggest XXXX XXXX  is complicit in the fraud.
Complaint sub-issue: Was not notified of investigation status or results

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

I have also reached out to all companies listed for validation of account and have yet to receive any response and it has been over 30 days.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$5300.00} -This is not my account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I closed citi account and locked my citi credit card and told the bank about being a victim of identity theft. The theft changed my contact info, including address, email, and phone number. So I did not recieve any notices when a check transfer was made in XX/XX/2022. I first called Citibank from XX/XX/2022 to dispute the credit card charges as soon as I found out. They told me they will open a case for it regarding this fraud check transfer on my credit card. I DID NOT MAKE THIS TRANSFER OF {$2200.00}. I've never used a check transfer before in my credit card history. I called Citibank 3 times in XXXX to get updates on the open dispute. They said to wait a little longer, and that turned into month after month. Then, I called in XX/XX/XXXX and got the same response, to just wait patiently. I was growing more anxious and stressed as more time passed and interests/late fees continue to add up on the credit card. They told me they could not closed my account with an open balance. My credit score were being affected from the missed payment while the investigation was going on. When I called back in XXXX, Citibank said they will open a case on the fraud check transfer because the past dispute was not found??? I never received a letter about the start of a investigation until XXXX. They finally closed my credit card account during the investigation with an open balance. After waiting another month, the investigation has closed NOT IN MY FAVOR. They did not reach out to me for any additional information during the investigation, contrary to the letter. 

Attached is the letters I received from Citibank and screenshot of my call records.
Complaint sub-issue: Need information about my balance/terms

I cosigned on my sisters loan for college. Aes told me twice in the last two years after a certain amount of consecutive payments I can be released. When I asked to be released they are now saying that the terms of the loan do n't have an option for me to be removed. I asked for the contract to be sent to me. I am very upset that I was mislead mire than once. I could have been working on other ways to be removed from the loan. I am thinking of hiring a lawyer. Any advice would be helpful. Thanks
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize XXXX  XXXX XXXX Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have XXXX XXXX remove all inquiries appearing on my credit history.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information is missing that should be on the report

My loan was sold by XXXX and is now being serviced by XXXX XXXX and the loan number is XXXX. XXXX has been servicing my loan since XX/XX/XXXX and I have never been late and always early on my payments. I have contacted XXXX   on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXXand I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX XXXX