Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2019, I applied for and was approved a Home Depot credit card. I made a purchase in the amount of {$130.00}. On XX/XX/2019 I received an account statement in the amount of {$160.00}. The breakdown was as follows : purchase {$130.00}, late fee {$29.00}. interest {$3.00}. I wrote a check on that date ( XX/XX/2019 ) in the amount of {$130.00} along with an explanation that this was the first statement I had received and that I had not received a prior statement for only {$130.00}. I requested the fee and interest be subtracted. 

Since that submission, i have receive several account statements for late fees and interest on the original purchase which have increased to a total of {$100.00}. 

My statement is that I did not receive an original statement for the purchase less fees and interest ; therefore, can not be expected to pay more that the amount of the original purchase.
Complaint sub-issue: Was not notified of investigation status or results

I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts and inquiries listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account # : XXXX XXXX XXXX account # : XXXX XXXX. XXXX account # : XXXX XXXX. XXXX XXXXXXXX XXXX- account # : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX-account # XXXX XXXX. XXXX XXXX XXXX- account # : XXXX
Complaint sub-issue: Reinserted previously deleted info

Equifax removed inquiries from my credit report and then re-inserted them without notifying me. The non-notification is a FCRA violation and I would like the re-inserted inquiries removed as soon as possible. I tried to call but the wait time is too long. I called 3 other times and the lines were busy.
Complaint sub-issue: Reporting company used your report improperly

I have accounts in collections with inaccurate information reporting, Please send verification or agreement stating the transaction or buisness weve done together. If can not provide accurate legal statements please remove within the legal time frame.
Complaint sub-issue: Information belongs to someone else

LOOKING TO BUY A NEW HOME WHEN MY BANKER INFO ME THAT IT WAS MANY ACCOUNTS THAT WAS MINE
Complaint sub-issue: Debt was discharged in bankruptcy

A person contacted me from XXXX, named XXXX XXXX, saying that I owed a debt to US Bank for {$350.00} from 1998 but with interest it is now {$760.00}. I do not remember this debt but did file bankruptcy in 1998 so if I did have it, it was discharged. They continue to call me and threaten to keep calling until I pay them. They have been harassing me at my work phone number.
Complaint sub-issue: Problem with balance transfer

I applied for a Discover Card about 30 days ago with a balance transfer on the application. I read as much information as I could about the balance transfer process. I was approved for {$900.00} which is less than the balance transfer which was fine. In the meantime I paid off the other credit card in full since I was unable to do the balance transfer. Now today XX/XX/2018 I receive an email stating my balance transfer has gone through with an amount of {$850.00}. I immediately called Discover and asked why would I not be notified this action was taking place. Why would I want my new credit limit to be maxed out and also I need to cancel the balance transfer as there is no balance on that credit card. Discover said they could do nothing as it was still pending on their end. Which means no payment has been sent to XXXX yet. How can they not do anything and now I have to wait for XXXX to receive the money and then try and have them decline the transaction and send the funds back to Discover. They told me this was in there disclosures but from the 3-4 pages I ready while applying I could not find anything. This is not right and I need some help!
Complaint sub-issue: Their investigation did not fix an error on your report

This is my 7th attempt to get this matter solved but I guess my request is just being ignored.The current status and the late payments in the payment history is incorrect. I never misseda payment. The 3 Credit Bureaus should provide documentation but they failed to neither verify norupdate me about these complaints. I believe the bureaus are violating sections 616 & 617 ofthe FCRA and has abrogated my rights by reporting false information. Please update the late payments from these accounts for it has affected my well-being. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have contested a late fee that decimated my credit score with XXXX   XXXX XXXX and XXXX  5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see XXXX ) or low-tier credit reporting agency allow this to post ( see  XXXX  ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.
Complaint sub-issue: Talked to a third party about my debt

My account for XXXX services I received from a local XXXX XXXX XXXX was placed at MERCHANT CREDIT Agency for collection. The information in my file contains my personal information including my SSN. Recently I have noticed suspicious active on my credit report in the time my account was place in MERCHANT CREDIT Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and MERCHANT CREDIT refuses to provide this information
Complaint sub-issue: Their investigation did not fix an error on your report

I had a Best Buy credit card with XXXX $ credit line.I found my credit card was stolen and used for some purchases. 
I reported to Best Buy credit card and also disputed on 3 credit bureaus. 
Best Buy closed the account and removed all debt on my account, but after couple months it is showing I have XXXX $ balance!!!. 
I would report it to you and ask for help because it is hurting my credit.I never had any missed payments or problems with any credit card other than the Best Buy!. 

Sincerely XXXX
Complaint sub-issue: Account information incorrect

On XXXX XXXX XXXX XXXX XXXX sent a certified letter with attachments of my credit report and copy of my state ID and Social security card to Equifax regarding incomplete and inaccurate on my credit report and asked them to do a complete investigation making sure all accounts information are completely listed and accurate. If this could not be done I requested that and account that is missing any information or not correct be deleted from my credit files in occurrence to 15U.s.C Sec 1681i ( a ), 15 U.S.C 1681 Section602a, 15 U.S.C 1681 Section A section 2. 
Account name XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX & account number XXXX XXXX  account number XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX ( I noticed on this account the new report that was sent to me has a different account number that my first report that I received on XX/XX/2022 ) They responded with updates that was not fully completed information and still inaccurate information still appears in my credit file. I am not sure who Equifax did their investigation with but to my knowledge I am aware of anyone that was contact to verify information as it states in the fair credit reporting act.
Complaint sub-issue: Problem with fees

Sometime around XXXX I logged in to my citibank credit card accounts to find that they had all be closed by the issuer. I am not sure why citibank decided to close my accounts as my payment history was excellent. I understand they have the right to close my accounts at their own discretion ; however, I had just been charged an annual fee of {$95.00} on my citi XXXX XXXX XXXX access more credit card on XXXX XXXX. Citibank charged me in advance for the annual fee, only to cancel it just a few weeks after taking my money. 

I reached out to citi about this issue, and they confirmed that I absolutely would receive the {$95.00} credit as a refund on my final statement. Unfortunately, I never got another statement from citibank. I reached out to them again today, and now they are saying that I will not be getting the {$95.00} annual fee refunded. 

I saved the online chat with a citibank representative where they assured me numerous times that the annual fee I had just paid would in fact be refunded. I have attached it to this in the complaint.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

XXXX XXXX XXXX XXXX  Creditor ID : XXXX Was x-rayed for falling on shoulder. This was approved by the VA and they will pay. But they are trying to collect from me. This has happened before and they submit the bill to the wrong VA site for payment. I have told them the correct site but they don't get it.
Complaint sub-issue: Reporting company used your report improperly

People of United States of America, XXXX, XXXX XXXX, XXXX  XXXX of the United States, non-citizen, native Georgian, surety of the XXXX XXXX XXXX XXXX, demand my right to privacy. 

On XX/XX/2022, by certified mail number XXXX XXXX XXXX XXXX XXXX , People , XXXX, XXXX XXXX sent EQUIFAX notice of the corporations invasion of privacy pursuant to the Fair Credit Reporting Act. 

All information was received and signed by " XXXX '' on XX/XX/2022. 

The Inaccurate Consumer Report in dispute has not been properly updated, given the instructions to remove and delete private information inside said notice to EQUIFAX. 

I demand Equifax remove all private accounts and inquiries for failure to use their grave responsibilities to ensure the accuracy of the report being reported. I do not and have not ever consented to any information Equifax reports.
Complaint sub-issue: Account information incorrect

The account was paid and still, my credit reports have not been updated an this is impacting my score. Please look at the balance it's showing {$2400.00} and true balance is {$900.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX Factual Data has checked my credit on XXXX  and XXXX. I did not authorize this check.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have contacted Equifax and ask them to remove accounts out of dispute status at this time yet they have failed to do so. 
I, XXXX XXXX, CURRENTLY DO NOT DISPUTE THE FOLLOWING ACCOUNT XXXX XXXX XXXX SERVICES XXXXXXXX XXXX XXXXXXXX XXXX XXXX EITHER AS REPORTED ON MY CREDIT REPORT OR DIRECTLY WITH THE CREDITOR. I REQUEST THAT THE INDICATION OF A DISPUTE IS REMOVED FROM MY REPORT. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO REACH ME AT XXXX.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX Todays Date : XX/XX/XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX   XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOT ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, 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: Public record information inaccurate

There is a public record on my credit report that has to be deleted, the FCRA says that everything on my credit report needs to be 100 % accurate, and XXXX, XXXX and Lexis Nexis are breaking the law by reporting this in inaccurately. I know that Lexis Nexis is providing this information to the credit bureaus and not the bankruptcy court like they keep telling me. I disputed this bankruptcy before and it was ignored by these three companies. These credit bureaus are giving me a hard time and I am very upset at the fact that they think, they can just report whatever they want. I contacted the bankruptcy court and I asked if the courts shared or validated bankruptcy information with third parties and they said no, I requested this in writing and it was sent to me by mail. This public record is being reported in accurately because on my credit report it says that the bankruptcy court is the data furnisher for this and that is not true. I want this public record deleted from my credit report immediately.
Complaint sub-issue: Received bad information about your loan

This student loan was obtained in XX/XX/XXXX. Since then t it has been in & out of forbearance for many reason, but mainly because I was a single mother. In XX/XX/XXXXI got married and due to my husband 's income I had to start repaying the loan. A few times I did receive more forbearance 's. XX/XX/XXXX I was XXXX XXXX XXXX  with my XXXX child and I received a call that my paychecks would be garnished if I did not start repaying the loan. At that time I set up automatic withdrawals. I completed their rehabilitation program. I was then granted another forbearance and it was only for a few months. I was not aware the forbearance ended and received 5 late payment reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Since that time I have been granted several more forbearance and made every payment due timely. Due to the fact that I was not aware nor received anything stating that my loan was due I feel that these late payments should be removed from my credit report. I have requested twice for these to be removed and Nelnet is acting unreasonably. Please help me. I will be paying for my XXXX XXXX loan probably until its time to send my own children to college.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX, I sent out dispute letters to XXXX, XXXX  and Equifax credit reporting agencies. I received no response from the other agencies. Equifax tried to say they didn't receive the letter yet and to wait a few more days. At this point it has been well over 30 days. They claimed they couldn't authenticate me even though I had answered the questions straight from the credit report. I contacted all agencies and they claimed that they didn't receive them. They then claimed a third party sent out the requests. All requests came from my hand and were hand mailed out by me. How can they claim that there was a third party involved if the never received anything? This seems like a stall tactic by the credit bureaus to give a hard time to consumers because they don't want to have to deal with the removal of these items for dispute. 

These letters were done by me and mailed by me. They claim its a third party but in the same breath say they never received anything. How can it be both. They have had 60 days to respond and haven't. I disputed 2 Bkpcys on my credit out of California because I have only ever filed one Bankruptcy and that was a Chapter XXXX in Ohio in 2014.
Complaint sub-issue: Frequent or repeated calls

They constantly call numerous times during the day and early evening. My husband asks what it 's in reference too then they hang up.
Complaint sub-issue: Trouble with how payments are being handled

AES sent me a letter, claiming that I was 28 days past due of my payment. I already signed up for XXXX XXXX XXXX a month ago on AES Success 's website. AES never processed my XXXX XXXX  ; instead, the company is sending me harassing messages and letters demanding payment. 

I don't owe this company any money.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) adn Equifax ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.
Complaint sub-issue: Information belongs to someone else

Today XX/XX/2020 I found out that there are three unauthorized accounts appearing on my credit report. The way I found out was because I applied for a credit card at XXXX XXXX XXXX and I was told that they could not approve me because of these accounts. The accounts are from XXXX XXXX XXXX and two from XXXX XXXX. None of these accounts belong to me ; I did not open them and I did not give anyone else permission to open them on my behalf. There is also this address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on my credit report that I never lived at. I did not benefit anything from these accounts such as money, goods, services, goods or any other benefit and I did not make any payments towards those accounts. I also filed a police report regarding these accounts and address.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I will call my lawyer ASAP!
Complaint sub-issue: Didn't receive advertised or promotional terms

This fall, I received in the mail and email a special offer if you activate and spend {$500.00} per month, you will earn {$30.00} additional XXXX XXXX for the months of XXXX, XXXX, and XXXX. I thought that was a good deal, so I activated my XXXX XXXX card and started using primarily that card for holiday shopping and vacation. I called the company questioning where the XXXX XXXX  were today ( XX/XX/19 ) and I was told I never activated the promotion. When receiving the follow up mail, it said if you already activated your card, ignore this. So now I am out the additional XXXX XXXX and since I wasnt using my normal card, I didnt get that cash back. I am very frustrated. And this is the third issue I have had with this XXXX XXXX/citi card since activation in XXXX.