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

XX/XX/2021. Purchased an XXXX  on XXXX using XXXX - paid with my citi card. Seller would not ship item. Tried to file a claim with XXXX, they referred me to XXXX. XXXX said go to XXXX. I filed a claim with Citi cards. I have not received the item, nor have I received a refund. Citi has not yet fixed this. This is causing undue stress in these times.
Complaint sub-issue: Reporting company used your report improperly

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action
Complaint sub-issue: Information belongs to someone else

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF   XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 73 % Balance {$4800.00} Balance Updated XX/XX/XXXX Credit Limit {$6600.00} Monthly Payment - Past Due Amount {$4800.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
Complaint sub-issue: Problem during payment process

hi Kikoff Lending llc ( # XXXX ) ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX AND XX/XX/2021 FOR 30 DAYS+? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Reporting company used your report improperly

Theres a open complaint that is still being investigated filed against XXXX XXXX with Consumer Financial Protection on XX/XX/21 or XX/XX/21, complaint # XXXX. I received another denial letter from LendingUSA that stated XXXX XXXX XXXX  has denied me due to the number of inquiries, number of finance loans and my credit score is XXXX on XX/XX/21. Due to the improper denial by XXXX that is being investigated, LendingUSA is checking other bank without my consent and they are currently running my credit report with information that will show numerous of inquiries and open loans due XXXX denial. Also my credit score has dropped since the XXXX denial. My credit score that they provided to me in writing was XXXX  with XXXX  and currently the credit score is XXXX. I have not given XXXX or LendingUSA permission to pull my credit report again! XXXX or LendingUSA if they are affiliated should use the credit report that they pulled on XX/XX/21 or XX/XX/21 ( at the time the truth & lending agreement contract was signed or before when I first applied for credit. The finance inquiries that XXXX XXXX XXXX  is denying me per Credit Bureau reporting is inquiries & open loans wasnt on my credit at the time XXXX approval and it wasnt on the day I signed the agreement. As I mentioned before in the complaint, XXXX was the very first loan that I signed. I did not go with any other Banks until days or week later. It appears that XXXX XXXX LendingUSA is trying to search for other banks now and running my credit ( which will result in denials now due my credit score has dropped & inquiries & open accounts which is almost paid off ) to cover themselves for wrong denial. LendingUSAXXXX XXXX XXXX  is denying me based on recent information reporting and not with the information they obtained between XX/XX/XXXX-XX/XX/XXXX when my credit was pulled. My credit score dropped as soon as XXXX did a hard pull which was during that time period. LendingUSA need to stop pulling my credit report!
Complaint sub-issue: Information belongs to someone else

This is my second compliant with the CFPB about the same issue. There are two account showing on my Equifax that are accounts that are apart of identity theft. These accounts are XXXX and XXXX. Please see attachment with the account numbers. 

Last compliant - XX/XX/2019
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2022, we sent by certified mail a letter from our attorney to US Bank stating to a change of our beneficiary to our new XXXX dated XX/XX/2022. On XX/XX/2022 we received a call from US Bank for more information. We told him what needed to be done and he said he would talk to the legal team and call us back XX/XX/2022. No call back from them. We called on XX/XX/2022 to find out if this was taken care of for the trust and were told our account would have to be closed first and reopened under a new account number. US Bank will charge us {$570.00} penalty for early withdrawal plus a {$30.00} fee for our {$19000.00} XXXX. We said these have got to be a mistake ; but she insisted this was right. All we wanted to do is just to change our beneficiary to our Trust. There was no way around it. At this point we were so frustrated and told her to send us the money and will not be returning to US Bank again. We had accounts with them for as long as they were open in XXXX XXXX, XXXX  some 20-30 years. 

What can we do now to get some compensation for these outrages penalties?
Complaint sub-issue: Problem making or receiving payments

We are trying to link our PNC account to XXXX in order to receive a COVID-19 grant however when doing so we get a message saying that there is a problem with PNC not allowing this to occur. We called PNC and they said the site may not be secure so they are not allowing the link. 

Its the only way we will receive the much needed funds. Please help
Complaint sub-issue: Information belongs to someone else

Two weeks ago, I reported an account that does not belong to me to Discover, and the FTC identitytheft.gov report for the amount of about {$3900.00} dollars. This account is fraudulent, and Discover has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.
Complaint sub-issue: Debt was result of identity theft

My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

XX/XX/18 - XXXX XXXX XXXX XXXX - {$1600.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

I made a complaint to my credit card company back in XXXX of XXXX for the amount of {$2900.00} from a company called ( XXXX XXXX ) which I do not recognize or authorized. My credit card company ( Discover Card ) put the credit back on my account till they investigate the problem. They sent me a letter stating that based on the information they received from the merchant that I was held responsible for the charge. I reopened the case again to reinvestigate this matter, and for the merchant to give them physical evidence that shows it was me who charged this transaction ; such a drivers license or social security card or something that belongs to me to show it was me. They said the only thing the merchant was able to submit to my credit card company was signatures which made my credit card charge me for a transaction I never new or authorized. They said for them to reopen this case would be to file a police report which I will do.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX, a federally protected consumer and natural person, I'm aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 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 4. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 5. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 6. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 7. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 8. Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX 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: Their investigation did not fix an error on your report

Requested to dispute some items on my credit report with Equifax that sent an updated report saying items had been verified which I didnt agree with so I sent in a letter to investigated and show me physical proof of the verification they received which they have yet to do they sent another report saying investigation is complete and yet again verified but they have not sent are shown me any physical proof. I also filed a complaint on the company reporting the information to the credit bureau. Received an email from the company saying they have no record of me or any of my information.
Complaint sub-issue: Information is missing that should be on the report

In XX/XX/2020, I product changed my two credit cards with US Bank to different products and a month later I noticed that US Bank reported the recently product changed cards to XXXX as separate accounts which made my report show four US Bank accounts even though I only have two accounts with US Bank, after a series of failed disputes with XXXX my report is currently showing two US Bank accounts that represent the same account as the old and new product while the second account disappeared completely from my report. I am attaching a screenshot of my current report which is showing the same account listed twice. 

To illustrate the current account ending in XXXX was product changed and used to end in XXXX and both are showing separately on XXXX even though XXXX shouldn't. The second account ending in XXXX is not being reported which it should.
Complaint sub-issue: Information belongs to someone else

I was made aware of four accounts on my credit report that were opened in my name without my permission. The reason I even checked my credit report today XX/XX/2020 is because I was planning on applying for a personal loan. The accounts were opened with these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not have any relationship, written contract or agreement with any of these companies nor did I benefit anything from the accounts that were opened with these companies such as money, goods, services or any other benefit and I did not take part in any purchases or payments that might have been made towards these accounts. have no idea who is responsible for opening these accounts in my name without my authorization but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

For the past two weeks, I get daily phone calls for someone else. I have repeatedly asked them to remove my number as I am not the person. They have told my for the last five days they are going to ; yet I still get numerous calls daily. HELP ... .handicap family here and the repeated interruptions as very unnerving
Complaint sub-issue: Debt was result of identity theft

A company called XXXX XXXX XXXX notified XXXX that it was trying to collect a debt on behalf of XXXX XXXX XXXX, where I have never had an account. I disputed this through XXXX XXXX and XXXX  removed the item on XXXX XXXX, XXXX. Now they are trying to collect this fraudulent debt again. I received a letter, dated XX/XX/XXXX, from AFNI Collections to collect the same debt from XXXX XXXX XXXX. On AFNI 's website I indicated that the debt was not mine and to send verification of the debt. I never received any verification. Today a derogatory mark from AFNI showed up in XXXX XXXX for XXXX. 

This has had a direct impact on me. When I tried to sign up for XXXX XXXX XXXX internet earlier this year, XXXX XXXX XXXX said I could not until the fraudulent debt was paid.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Complaint sub-issue: Problem with personal statement of dispute

I requested XXXX and Equifax to verify a bankruptcy on my credit report. I also requested for them to send me any information regarding there decision on the outcome. All they send me is a letter stating they verified it with a third party lender. They failed to respond to my request accordingly and chose to ignore what I asked for. Leads me to believe they never verified the information as requested.
Complaint sub-issue: Problem with fees

The below info relates to CITI Bank ; Date : XX/XX/2019 * Issue : Credit Card Payment Allocation Methodology. 

- The bank is allocating the payment funds to the lowest APR segment instead of the highest APR segment so that they can maximize their profits. Further, the bank is not giving the option to the customer to decide where to allocate the payment funds ( which should go to the highest APR segment by default ) so that the customer is able to first liquidate the segment with the highest APR rate, and thus, save money on interest fees.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a problem with my credit report, and I submit a complaint with the credit bureaus such as XXXX, Equifax and XXXX, but they did nothing. The inaccuracies are still in my credit report and my credit score is getting lower.
Complaint sub-issue: Information belongs to someone else

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, 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. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  Date Opened : XX/XX/2017 Balance : {$220000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This makes my credit transaction suffer because it was harder and longer and so, I would like it to be taken care of.
Complaint sub-issue: Their investigation did not fix an error on your report

In response to Complaint XXXX, the creditor stated that they used information concerning a previous bankruptcy in arriving at their decision. This information was concerning Chapter XXXX that was initiated over seven years from the date of my application for credit. When making the decision to pursue a 100 % payment plan, I was advised by legal counsel that this would allow me, upon plan completion, to receive a " fresh start '' seven years from filing. After making payments of {$4600.00} a month for nearly five years to complete the plan and receive a discharge, I am being told by the creditor in the above cite response that I have to maintain a high credit rating for an additional two years resulting in an over nine-year wait to receive a " fresh start ''.
Complaint sub-issue: Problem getting your free annual credit report

For at least XXXX years now, I have been unable to obtain my Credit Reports online. Each time I try, I get an error message saying : " Unable to Complete Your Request Online Unfortunately, your request can not be fulfilled online at this time. 
Please request your report using XXXX of the other options below. '' In some cases I can reach the XXXX questions about my credit history to verify my identity, but even though I know I answered the questions correctly, I still get an error message similiar to the XXXX above. 

This is unacceptable as it forces me to waste my time applying for my reports either via phone or via USPS, while I should be able to have the convienance of using the wesite like every other consumer does. 

Please contact the relevant agencys so that I may correct this issue promptly. 

Thank you for your time and have a Happy Holiday Season!
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past 6 months I had disputed XXXX collection on my three reports to being told verified. The first I disputed, second I asked for VALIDATION and third factual. I never once I got a validation from not one of these companies. If they would of actually validated this debt, they would learn it is NOT MY DEBT. You cant report something that is not mine in the first place! Second I am per consumer rights have the right for fair, true and accurate reporting. Not only is this not my account but it is being reported with different amounts. I am attaching proof to this.

Being I wrote to companies THREE times now and still have no proof of validation or even a investigation on their part other than the e-Oscar system I am requesting a IMMEDIATE DELETION. 

The law states a company must have a contract with my original signature on their letterhead with what I owe to be reported. I do NOT owe XXXX. PLUS ITS PAST XXXX XXXX
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I voluntarily returned my vehicle back to XXXX XXXX XXXX ... the reason for me returning my vehicle was because the company had approve me for a extension for 2 months which was XX/XX/XXXX until XX/XX/XXXX and was to pay back loan on XX/XX/XXXX however the extension got denied and they call me back to let me know that days later so then I ask them what will happen because now I dont have any money and that was due to in and out of the hospital so now they asked me to pay more which was {$490.00} for 3 months to keep the car I felt as if I was lead on ... I was thinking they was trying to help me but they ended up hurting me ...
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have never taken out a loan with this company an where did they get my information from an where did you send this money to