Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I send a letter to Equifax with a copy of my V irginia Drivers License, a  copy of my Social Security Card and a copy of a current bill showing my current address. I asked Equifax to send me a copy of my credit report as l received adverse action in relation for applying for a loan, i asked them to send me a copy based on this, also they can see the inquirers on my credit report file with Equifax. They sent me a letter dated  XXXX   XXXX ,  2017  stating l must pay {$11.00} for the report, when i specifically stated to them in my letter l was requesting it based on adverse action. Under the FTC.GOV federal government web page l am entitled to a credit report if adverse action was taken against me. Here is the statement from the FTC.GOV webpage : " Under federal law, youre entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action '' So l am requesting your help in having Equifax send me a paper copy of my report as state by  Federal Law.      Thank You  XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.
Complaint sub-issue: Personal information incorrect

I had previously complained to Equifax, on XX/XX/2019, about a fraudulent/erroneous address of XXXX XXXX XXXX appearing on my credit report. Equifax refused to remove it by simply ignoring my letter of complaint. 
FIRST COMPLAINT to CFPB ... ( Equifax took 58 days to respond. ) On XX/XX/2019, I submitted a complaint to the CFPB concerning this fraudulent/erroneous address of XXXX XXXX XXXX and Equifax responded on XX/XX/2019 by stating that the address of XXXX XXXX   XXXX had been DELETED ... ..Equifax LIED XXXX .They NEVER DELETED the fraudulent/erroneous address of XXXX XXXX XXXX and the address WAS STILL ON MY CREDIT REPORT. 
SECOND COMPLAINT to CFPB ... ( Equifax took 55 days to respond. ) On XX/XX/2019, I once again filed a complaint with the CFPB concerning this fraudulent/erroneous address of XXXX XXXX XXXX STILL appearing on my credit report. On XXXX XXXX, 2019, Equifax responded by once again stating that the disputed address of XXXX XXXX XXXX had been deleted. Equifax also stated that If you have any additional questions or concerns in regards to the updates made to your Equifax Credit Report, please refer to the mailed revised copy. 
This is my THIRD complaint to CFPB about this issue with Equifax. 
Equifax has once again LIED as I have never received a revised copy of my Equifax Credit Report and it has already been 10 days since they said they mailed one. Without a copy of the revised credit report, I have no way of knowing if the fraudulent/erroneous address of XXXX XXXX XXXX has actually been deleted or not. 
Equifax is in serious need of government regulation as they repeated lie and repeatedly, and unnecessarily, delay their responses until their 60 day deadline has nearly expired. This particular complaint has been continuing since my first letter of complaint on XX/XX/2019 ... almost 6 months!!
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. 

-XXXX  XXXX Account # : XXXX, has violated my rights. 
-XXXX  XXXX Account # : XXXX, has violated my rights. 
-XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # : XXXX, has violated my rights. 
-XXXX  XXXX 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 a account without my written instructions
Complaint sub-issue: Didn't receive services that were advertised

I took out 2 loans through XXXX XXXX XXXX in MO in XXXX of XXXX and XX/XX/XXXX. Which the bank didn't report to the credit bureaus. We sent the payment schedule and complete payoffs, that the bank sent to me, requesting that my credit score be adjusted accordingly. 

XXXX stated that the dispute over not adjusting my credit history and score, couldn't be done because they couldn't verify the information that the bank sent me, and I forwarded to all 3 bureaus. This information was sent to me by the bank and was on their letterhead. I haven't heard from the other 2 bureaus as of today. 

All I'm trying to do is get the information added to my account so that I can go forward in reestablishing my credit history. And as of now I have no credit scores.
Complaint sub-issue: Information is not mine

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. The inquiries below are a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The inquiries I am disputing are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sales Financing XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Utilities XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Mail Order Firms XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card Cos.
Complaint sub-issue: Didn't receive advertised or promotional terms

Hello, I initiated a balance transfer with Citibank to my credit card account, advertised as a 12 month XXXX percent interest offer, with 3 % transaction fee. The amount transferred was {$13000.00} on XX/XX/XXXX. So today I noticed that the expiration date is XX/XX/XXXX, not the full twelve months. I chatted with a representative and they said that the offer started on a certain date, and regardless of when the consumer initiates the transfer, the expiration date is always XX/XX/XXXX, not twelve months as they lead you to believe. if that is case, then they should at least prorate the transaction fee to be something less than 3 %, but that didn't happen either. Anyway, I think they should honor they twelve months as advertised, or at a very minimum, prorate the transaction fee to be approximately 75 % of 3 %. To make matters worse, my annual fee was charged during this timeframe, and results in interest immediately since there is no way to apply funds to that purchase, so will accrue for the balance of the transfer period. Now that is incredibly deceptive and unfair to the consumer. Thank you!
Complaint sub-issue: Information belongs to someone else

This is Disappointing! The Credit Reporting Agencies have been ignoring my requests for the deletion of the disputed fraudulent accounts and information being reported on my Credit File. The Credit Reporting Agencies are required to verify and delete the disputed accounts and information that was opened due to identity theft under the Fair Credit Reporting Act section 605b. I personally contacted the Data Furnishers and inquired regarding the disputed accounts and information, they were responding to me proving that the Disputed accounts and information were erroneous in some way. Yet you are reporting the disputed items as verified and authentic! This action is a clear violation of the Fair Credit Reporting Act section 605b and is punishable by law. I am submitting this CFPB Complaint to urge you to comply with the Federal law and have the disputed accounts and information deleted from my Credit File before I am forced to take legal actions. Once again, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. The Credit Bureaus claimed that the disputed accounts and information belong under my name and was verified and yet they have failed to send me copies of proof of verification and or ay documents bearing my signature. The Data Furnishers themselves verified that the disputed accounts and information were erroneous. I need the disputed accounts and information completely removed from my Credit File as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

I have brought it to the attention of Equifax that experiences and transactions between the consumer and the person making the report are to be excluded from a consumer report. I would not like my utilization to be furnished on my consumer report, this is my written statement. Equifax has ignored my previous request to update my utilization to 0 % and XXXX balance for the listed accounts. This is a violation of my consumer rights and is causing me to not have faith in the banking system as this is not fair and equitably to me by sharing my private information without my prior written consent. Please see attachment for details and a screenshot of the specific law for reference.
Complaint sub-issue: Deposits and withdrawals

XX/XX/19 XX/XX/19 {$500.00} I deposited a international check on the XXXX of XXXX. Was told that it would be in my account on XX/XX/2019 because it was in the collection procees. I called PNC in XXXX, alabama and talked to a teller named XXXX. She was very rude and unprofessional, when I asked if I could speak to the Branch Manager she told me she wasnt in today and that she wouldnt know. I told her that if she was barring me from speaking to somebody of authority than " this wouldnt work in her favor '' she then proceeds to say that Im threating her and that she would hang up. I then tell her that I have this converstaion recorded and if she lies on me I will try to get her fired for false accusation. She then changes her tone and denies that what she ment. She asked me who did I speak with and I tell her to " hold on and let me get the recording '' -- - it takes time to retrieve the recording because I have alot of them saved, while im searching, she starts to act like I wasnt on the phone and ask " are you still there '' I chime in and tell her to 'hold on and that you know I'm trying to locate this recording, so you can see that this is a ongoing situation and that I've already talked to a branch manager and she specifically told me the money would be in my account on the XXXX. She then claims Im yelling at her and she hangs up. I also want to note that on XX/XX/19 XXXX had hung up in my face but I decided not to report it due to reciver problems with my phone. I have the conversation recorded. I called PNC corporate but theu dont have a complaints department.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Can't stop withdrawals from your account

On XXXX XXXX XXXX, PNC Bank completed the merger with my bank, BBVA. I completed the process for mobile access to my accounts on the XXXX. To my surprise and dismay, I could not see my accounts, but I could see those of my Ex-husband. These are accounts that have been opened since our divorce in 2018. I could see his recent transactions, etc. 

I went to the branch in my hometown of XXXX CO and sat down with the manager, XXXX XXXX. He was shocked when I showed him that the accounts I was seeing were not my own. I could not see my accounts, so I can only speculate on who could see them. XXXX XXXX could not do anything to help me, but offered to escalate the problem. 

Several days later, I could see my accounts, including a personal signature line of credit ( which PNC labeled a business credit line ) initiated in XXXX of XXXX. The max draw was {$250000.00}. I used {$200000.00}, and had paid the note down to approximately {$170000.00}. The loan terms were interest only for a year, then principal and interest. The historical payments were between $ 700- {$800.00} per month, plus some principal payments. When PNC took over, they upped the payment to {$4700.00}. I immediately called and after many calls and lengthy holds, I was told that it was being escalated. I spoke with a woman named XXXX, no last name given who was sympathetic, yet could not remove the autopay. She said she escalated the case. 
I eventually spoke with XXXX XXXX, a case manager on XX/XX/XXXX, XXXX XXXX, case manager on XX/XX/XXXX, and now XXXX XXXX, case manager, on XX/XX/XXXX. In the meantime I have spoken with at least 5 other representatives who answered the phone and could do nothing. I spoke with XXXX on on XXXX who assured me the auto pay was discontinued so I could make the interest only payment. I promptly paid {$800.00} to cover the interest on XXXX, only to find that PNC continued with the autopay in the amount of XXXX on XX/XX/XXXX! They were going to get their {$4700.00} even though autopay was discontinued, and this is an interest only account! 

I need help resolving this. PNC has been no help in resolving this issue, passing it on to yet another " case manager ''. I plan on closing the account that they are drawing on, as to prevent yet another unauthorized deduction.
Complaint sub-issue: Received bad information about your loan

I received communication stating that they had reviewed my account and that I had only made one qualifying payment over XXXX years. Even though zero payments are supposed to count, I filed a pslf form when I was first employed in XXXX My employer is a qualifying employer. They clearly have not made any actual effort to calculate where I stand with pslf. Additionally, they put me into forbearance without my request or knowledge, right before the student loan payment pause took place.
Complaint sub-issue: Account information incorrect

Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

I got a money order in the amount of {$110.00} for an amount that was stated on my credit report that I owed to this collection agency for an old XXXX XXXX bill. When I called the collection agency to follow up in making sure the payment was received so that the collection amount would show paid on my credit reports I was told that the amount I sent in was deficient by XXXX, therefore it would not be removed until the XXXX was sent in. This was infuriating as I checked my credit report prior to getting the money order and was never notified that the amount owed had increased by XXXX by the collection agency. 
I mailed in the XXXX, however I felt verbally harassed by the collection agency employee taunting me about this XXXX as Im trying to remove this negative information from my credit report so that I can obtain housing. I dont know when or how the total went from {$110.00} to {$110.00}, or what kind of interest is being accrued for the amount to change by XXXX but it felt like harassment. The amount shown had been {$110.00} on the day I mailed the order and that should have been taken into account. As that amount had been on the account all month.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXXXXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement each month I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors ( The payment includes the total Credit Debt $ + Lower interest rate ). 

I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying 600 $ + to this company every month from XXXX/XXXX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved.
( Reference Link - https : XXXX ) For all this time as the company " XXXX XXXX XXXXXXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made. 

I want Creditors/Banks and credit bureaus to consider my case and remove all the derogatory statuses from my credit report that got reported from XXXX/XXXX/XXXX. 

I also want my money back that I paid to this company " XXXX XXXX XXXXXXXX ''. I also want XXXX XXXX XXXXXXXX to clear off the debt as promised and also compensate me with some $ for all the damage happened to me. 

I am a credit cards fraud victim now. I want to be compensated and also want to be part of this case as a victim. I have no further updates on this case. I am not sure if I am already part of this case. If no, I want to be part of this case. 
https : XXXX If I am required to pay the debt to creditors, I want to wait till the final hearing of the case. I also need the Banks to provide me enough time to pay the debt off considering the total debt/total credit cards. 
I also request the Creditors/Banks to take off all the interest, fees and fines added on and after XXXX. 


DISCOVER CREDIT CARD
Complaint sub-issue: Information belongs to someone else

I've sent several letters out to XXXX XXXX Bank regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?
Complaint sub-issue: Problem during payment process

I had a fraud claim that took 9 months for my Best Buy card customer service to resolve due to a problem with their own agents neglecting their responsibilities which caused the process to take 4/5 months longer than anticipated. I just now tried to complete a transaction that was not approved due to insufficient funds come to find out that this same company charged my account {$1200.00} instead of the agreed upon payment of {$120.00}. This caused my account to go into a negative and also caused all of the other bills I paid that day to decline and caused me to incur additional fees for those overdrafts with my bank.
Complaint sub-issue: Their investigation did not fix an error on your report

I opened several disputes regarding a bankruptcy on my credit report. Equifax removed the bankruptcy from my credit report but re-added it weeks later because they claim they " verified '' it with their furnisher of records, I attached the letter they sent me when they deleted it. I continue to provide more and more documentation that proves this is not my bankruptcy. My latest conversation with one of their representative 's, I was told to create an account on pacer.gov, look up my social security number and to take a screenshot of the misreporting and send it to them. In this new CFPB complaint, I'm including the letter from XXXX they sent me stating that they deleted the bankruptcy from their reports, Since XXXX is their public records furnisher, I'm also including the most recent XXXX XXXX credit report that shows no public record. I'm also including a letter from the court saying they do not verify any bankruptcies with the credit bureaus and a screenshot and document from pacer.gov that shows my social security number with the wrong spelling of my name. My legal first name is XXXX, not XXXX. I'm also including a copy of my social security card and my drivers license. This needs to be removed from my credit report permanently.