Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Sent card you never applied for

On XXXX/XXXX/XXXX I went to XXXX 's to buy a winter jacket. When I went to the register I asked if I had any coupons that would reduce the cost of the coat. The woman told me that she could re-activate my credit card and that would allow me more of a discount. I was not aware that what the sales lady was doing was applying for a new credit card for me. I already had a credit card with XXXX 's that I have had for 30 years. The credit card application was denied on the spot as I have frozen all of credit with the 3 major bureaus to protect my credit, in light of the recent security breaches. The lady acted dumb and then charged the coat to my XXXX 's credit card that was already in existence. 
On XXXX XXXX, XXXX a letter was sent to me explaining that a credit card with XXXX XXXX was declined due to " insufficient number of accounts and insufficient credit experience ''. I called the XXXX 's credit department at XXXX. The woman I spoke to took down my information, verified that no credit information was looked into for my account and apologized for what had happened to me. The woman also gave me a 20 % credit for the winter coat that I purchased. I am upset because the sales person on XXXX/XXXX/XXXX is obviously incentivized to open new credit cards for customers and was not honest or truthful about what she was doing. This is illegal and should be addressed with XXXX XXXX. Who knows how many consumers have had credit card opened for them that they did not want or need because the sales people are being dishonest in order to get bonus money or other items as incentives for opening credit cards. Thank you for your assistance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account US DEPT ED # 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: Account information incorrect

I was going to co-sign on a student loan for my granddaughter. The company would not approve the request. The company claimed these key factors affected their decision : Too many accounts with balances, too many inquiries last 12 months, proportion of balances to credit limits is too high, amount owed on revolving accounts is too high. All these factors are moot. Most of all my credit cards are down to less than XXXX balances. The reason for inquiries is that I am in the process of buying a house in Oregon. My credit score is XXXX as listed, yet they refused the loan. The credit reporting is behind current status. They should be brought up to date. Equifax is known to report incorrect data, please advise them to check the dates listed as these factors are from past months and not current.
Complaint sub-issue: Information belongs to someone else

LEXISNEXIS CONSUMER REQUEST FORM REQUEST, AFTER MY INSURANCE POLICY WAS CANCEL BECAUSE WRONG INFORMATION WAS REPORTED BUT I REQUEST THE RECORD CHALLENGE INCORRECT ENTRY IN MY REPORT BUT THEY SEND ME THIS LETTER INSTEAD : READS THAT THEY CANT FIND ANYTHING AT THIS TIME AND I NEED INSURANCE KNOW BECAUSE OF THEM I CAN'T OBATINED INSURANCE AT AFFORDABLE RATE. XXXX CANCEL MY POLICY XXXXCANCEL ME AS WELL BECAUSE SOMETHING ON MY CONSUMER LEXISNEXIS REPORT AND THEY AREUNABLE TO LET ME KNOW WHAT IS IT. 
THIS IS MY COMPLAINT.
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 these 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 disputed 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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
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: Problem getting your free annual credit report

Please see my three previous complaints filed this year. All are for the same issue, which has never been addressed by Equifax.
Complaint sub-issue: Information is not mine

I am not responsible for this debt, responsible party assumed debt in divorce agreement.
Complaint sub-issue: Not given enough info to verify debt

I have asked RA Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Complaint sub-issue: Company closed your account

In XXXX Citbank closed two of my secure cards I have yet to receive my secure deposit back after they told me I would in no more than twenty four days.. they are now charging fees and money to accounts that they closed not me.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX BANK # 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: Old information reappears or never goes away

My auto insurance company, XXXX XXXXXXXX, uses LexisNexis to establish an " insurance score ''. They keep showing two reason codes that are incorrect, XXXX - Number of accounts with bad debt in the last 24 months or derogatory public record or collections is 1 or more and XXXX - Insufficient information on bank revolving accounts. 
Both these comments result in me paying higher insurance premiums which is totally wrong! 
XXXX refers me to Lexis Nexis. Lexis Nexis refers me to the 3 credit agencies- XXXX, XXXX and XXXX. My reports with them are spotless. My scores as of XX/XX/XXXX are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX. 
There is incorrect info being reported from somewhere and nobody wants to investigate they all point fingers at each other. When I contact any of these companies, you can't get a live person on the phone, and the automated system only wants to send a report. I have the reports and there's nothing derogatory on them. 
I had a XXXX XXXX confirmed on XX/XX/XXXX and discharged on XX/XX/XXXX which is more than 2 years ( 24 months ) ago. In the three credit agency reports, they report me as having credit for 32 years and have not had one late payment in the last 2 years. 
I realize there's no incentive for XXXX  to discover they truth then they'd have to lower my insurance premium PLEASE HELP!!!!!!
Complaint sub-issue: Trouble with how payments are handled

ECMC Which I have never taken a loan from are historically and repeatedly destroying my credit report after being paid in full years ago. My Original student loans were from XXXX XXXX and then sold or transferred to XXXX different collection company 's ECMC being XXXX of the company 's involved. I paid all student loans off and after being paid ECMC appeared on my credit report. I have tried to contact them and ask for an original contract to show that I had a loan through the company. I never received any response. I disputed this with the XXXX credit reporting agencies and it was deleted from my XXXX file for lack of proof 2 years ago and last month ECMC decided to change all the open dates and amounts to look like a new account and re reported to the collection agencies. It is very difficult for me to get any information from this company about the accounts in question and I would like them deleted from my credit reports immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I, XXXX , a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Equifax of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Equifax must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for Equifax 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Equifax would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Equifax stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that Equifax answer the following questions so I feel confident that their investigation efforts were not made in bad faith. What was Equifaxs method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that they conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Equifax verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did Equifax verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is Equifaxs grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX account # XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - account # XXXX, account date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - account, date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX account # XXXX, account date XX/XX/XXXX, balance amount {$1000.00} XXXX. XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX account # XXXX, date XX/XX/XXXX, balance amount {$1200.00} XXXX. Dept of Ed./ XXXX, account # XXXX, account date XX/XX/XXXX, account balance {$3500.00} XXXX. Dept of Ed. / XXXX XXXX, account # XXXX, account date XX/XX/XXXX XXXX. Dept of Ed. / XXXX / XXXX XXXX, account date XX/XX/XXXX XXXX. Dept of Ed / XXXXXXXX XXXX XXXX, account date XXXX, account balance {$4300.00} XXXX. Dept of EdXXXX XXXX XXXX, account date XX/XX/XXXX, account # XXXX, account balance {$4500.00} closed XX/XX/XXXX XXXX. XXXXXXXX XXXX, account balance {$1200.00}, account date XX/XX/XXXX XXXX. XXXX XXXX XXXX, account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, account date XX/XX/XXXX, account balance {$230.00} XXXX. XXXX XXXX / XXXX XXXX, account # XXXX XXXX. XXXXXXXX XXXXXXXX XXXX XXXX account # XXXX, account balance {$720.00} XXXX. XXXX XXXX account date XX/XX/XXXX, account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, account # XXXX XXXX. XXXX XXXX XXXX, account date XXXX XXXX XXXX, account balance {$570.00}, account # XXXX XXXX. XXXX XXXX XXXX, account date XXXX XXXX, account balance {$3000.00}, account # XXXX XXXX. XXXX XXXX XXXX, account date XXXX XXXX, account balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX account date XXXX / XXXX XXXX, account balance {$590.00} account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, account date XXXX XXXX XXXX, account balance {$120.00}, account # XXXXXXXX XXXX XXXX XXXX, account date XXXX / XXXX XXXX, account balance {$3000.00}, XXXX. XXXX XXXX XXXX  date XXXX / XXXX / XXXX, account
Complaint sub-issue: Account information incorrect

NelNet Loan services purchased my ( 1 ) one student loan and during this time has been reporting to my credit inaccurately. The credit report shows that a payment has been made each month but then the overview states that the last payment was made in XX/XX/2019. NelNet is also duplicate reporting with ( 2 ) two different loan numbers but almost the same payment data. Having 2 student loans is bringing my score down, not to mention the fact that they are reporting this late as well. To be clear, I have only ONE student loan. I am not a co-signer on any other student loan obligations. 
I have disputed this thru XXXX XXXX and XXXX  XX/XX/2019 and they state it is accurate. I am trying to buy a home and this loan is hindering these possibilities.
Complaint sub-issue: Information belongs to someone else

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/201 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX-XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXXXXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date :XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018
Complaint sub-issue: Account status incorrect

I have  XXXX  collection company  XXXX   XXXX   XXXX   XXXX   XXXX ,  and/or  Equifax reporting incorrect information for a single account. The account continues to reflect the status of  "   Open Collection '' while it was included in Bankruptcy in 2016 a nd subsequently  discharged  in  XXXX  o f 2016. I h ave called the collection agency multiple times and they have denied any incorrect reporting and point me to the reporting agency. I have opened up multiple disputes with the reporting agency and their determination has repeatedly been " we 've verified this account belongs to you ''. The incorrect information, is not whether this account belongs to me, but why it is still being reported as "  Open Co llections ''. Neither company plans to take any action to correct the discrepancy, or remove the entry.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2019, I was charged {$6900.00} by a company called XXXX XXXX in a village called XXXX on the island of XXXX. We were traveling in XXXX but were nowhere near this island. Citicard says that it was a point of sale transaction but this is impossible. I recieved nothing from this company and had no knowledge of this company until I saw it on my billing statement. I contacted Citicard and stated that this charge was not one I was familiar with. They looked into it and then said that because I did not state that it was fraudulent that there was nothing they could do. I should not have to pay this charge, I never made It. Citicard also states that their policy is that consumers will not be liable for fraudulent charges. Citicard cancelled my card and issued a new one. The card # on the next page is my new card # for this account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 I received a letter from XXXX XXXX regarding my recent application for a XXXX XXXX Home Equity Loan. In the letter is references my Equifax score dated XX/XX/2018. I never spoke to anyone at XXXX XXXX  authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.
Complaint sub-issue: Confusing or misleading advertising about the credit card

XX/XX/2019 I received two bills from Macys. one was regular statement the other was for an XXXX XXXX So I called and found out they transfered me to an XXXX  without my knowing it and said they sent me a letter. I never received a lettering stating this. I ask to have my Macys credit card that I've had for forty six years and they said no sorry we cant do anything about it cuz the letter stated this was going to have this happen. I DO NOT WANT AN XXXX. They said too bad it can not be reversed even thou I didnt know anything about it.Why should they be able to convert my card to an XXXX if I didnt want that. Macys is my card of choice.I view this as fraudulent practice. I never signed anything or saw anything about this. I just want my Macys card back! 
account # XXXX is my Macys  account # XXXX XXXX is XXXX I do not even like XXXX XXXX why should I be forced to take a credit card I never applied for?
Complaint sub-issue: Debt is not mine

There is a phone number that keeps calling me repeatedly and asking me to call back. It always starts with a man whistling a short tune and then, in a threatening tone, the man always follows the whistle with a message that says " this is a debt collector, call back immediately. '' In one message, the man asked for my social security number to be ready and available when I call back. He never addresses me by name, and never leaves any additional details. I know for a fact that I do not have any debts that have went unpaid. I am in college and still live at home with my parents and I have no bills. I did live in an apartment for a short while, but I was never behind in my payments and immediately received my deposit back when I moved back home. I also cancelled my internet services and confirmed the cancellation with the workers in the local office several times to be sure. All of my school loans have been deferred until I complete school and I receive statements for those every month -- they are from the government and state that I currently owe nothing. I have another full year of school to go. There is nothing else out that that I have ever had a bill for. This company calls me EVERY DAY and leaves vague, creepy messages. I would like for it to stop. Based on research that I have done online, they appear to do this to several individuals, many of whom suspect that it is a scam. I have looked up the supposed agency that it is linked to according to the internet, but I can not find information on the agency anywhere.
Complaint sub-issue: Credit denial

My sister and I applied for an RV loan at XXXX  XXXX. After initially checking our credit and prior to applying with any lenders the credit person at XXXX XXXX informed us that we would not be approved because we have never had credit together. The Credit person then asked me to take out the loan on my own. I refused. He stated that a small local lender may make the loan but at a higher rate. I ask him to apply for the loan through US Bank , XXXX XXXX XXXX and the local banks to see what comes back. 

My sister is recently a widow. She is XXXX years old with not debt other than her mortgage and a XXXX FICO. Plenty of income and cash in the bank. I am XXXX XXXX FICO no debt other than my mortgage and again plenty of cash in the bank. This is a very low risk loan. We wanted to buy this together for the family, so we could all spend time together. The plan was also to help her reestablish herself on her own, so this new was devastating to her. 

XXXX XXXX XXXX XXXX  made the loan and gave us a great rate but US Bank sent us a vague AA letter. I had to request in writing the actual reasons and i am still waiting for those. 

The fact is this process and policy is wrong, I have been iXXXX XXXX long enough to know that, in fact anyone who has taken a single RegU course on lending would know that. XXXX XXXX made the situation right by finding a lender but how they got to that point was wrong. At the end of the day if US Bank or any lender can require someone to previously have credit together they can in essence prevent people like my sister a widow from obtaining credit. This policy is Unfair to a  segment of the population. 

Please email or call me if you have any questions. 
Sincerely, XXXX XXXX XXXX