Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

I keep disputing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report but it'll reappear the next business day. What the XXXX is wrong is Equifax XXXX XXXX XXXX or company to where I have to keep re-disputing the same inaccurate information off my consumer report. I so, close to suing they XXXX for violating the FCRA because no inaccurate information is supposed to reappear on the consumer report. Including they're reporting inaccurate in the first place. Attached is the confirmation for number of disputes for the same item & its more.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My Macys  XXXX credit card XXXX was last used on XX/XX/XXXX to purchase a XXXX backpack {$92.00} at Macys XXXX, New York. And the credit card account statement of {$92.00} was paid in full on XX/XX/XXXX. Since then I have not made any other purchase using this card at a Macys store. 

On the night of XX/XX/XXXX I noticed in my mailbox : XXXX, there were 2 Macys e-Receipts for purchases made in XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, PA XXXX XXXX ) sent to me on XX/XX/XXXX XXXX XXXX and XXXX XXXX. 
On XX/XX/XXXX I contacted customer service and reported the unauthorized transactions made to my account in PA, as I live in New York and did not make those out of state transactions at XXXX Macys. Also, I still have the credit card on hand with me. The representative explained to me those transactions did not go through, the card is now no good, and that a replacement card will be sent to me in 7-10 business days. 

On XX/XX/XXXX, Macys Credit Card sent an email for me to view Macys credit card statement. I logged in to check the statement - there were no activities and account balance was XXXX. 

Since then, I have not received the replacement card nor have I received any credit card statements for the account. 

On XX/XX/XXXX, I received this account past due statement in the mail from Macys. I do not recognize the account balance since I did not make any purchases, nor have I received any statement balance since my last payment on XX/XX/XXXX.
Complaint sub-issue: Other problem getting your report or credit score

I have contacted Equifax numerous of times a day for the last 3 weeks in regards to my credit report. I havent been able to access my credit report from My.Equifax.com. I notified Equifax that I cant access a copy of my credit report and score from no other credit reporting companies either. Equifax continues to transfer me around then telling me to send a copy of my ID and identity proving documents. I faxed this information over to Equifax and Ive continued to call and get transferred and him up on. I asked for supervisors and no one is never available and they place me on hold for hours at a time before ending the call. 

I request my credit report and score be fixed immediately. I request a copy of my credit report and score be mailed to me immediately as well. 

Equifax is violating all laws in regards to my credit report. They are basically refusing me my report, my score, and access to my credit information. 

If this information isnt corrected, I will proceed with legal suit for violation of laws.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX ( page 14 and page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax ; XXXX  and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account XXXX ( page 20 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to fix these issues on my credit report. This incorrect reporting is harming my credit score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2022 XXXX XXXX  please remove fraudulent/ unauthorized inquiry on my report or provide proof in writing within 30 days.
Complaint sub-issue: Billing dispute for services

I have called and sent letters to Equifax. My credit report shows 2 Hard copy inquiries. I have documentation which was sent to Equifax.. First one is XX/XX/2018, my debit card was compromised. Second one XX/XX/2018, my other debit card was compromised. The one dated XXXX, XXXX XXXX XXXX sent a letter from their fraud dept to have the hard copy inquiry removed due to fraud. The first one was a television company the people were wiring money through this company to XXXX, via XXXX XXXX washington, I called the commanding officer on site also to let them know what had happened, this account just to fix my debit card was time consuming. The one in XX/XX/2018, my account was fixed the next day, but the hard copy has still remained on my account. Calling is a nightmare, no one speaks English very well and I have been hung up on, told they need more information, they have my ss #, my address name and on and on, I get we are sorry we can not help you and we never received any letters, XXXX XXXX XXXX XXXX someone tried to purchase 2 cellphones, XXXX XXXX XXXX told me the password did not match so the transaction was stopped but hard copies had already been pulled. I am trying to purchase a house and was told to contact CFPB to help out. Since XX/XX/2018 I have been fighting them with NO success. Help is appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

I called Equifax and spoke with XXXX  ID # XXXX explained that I did not give anyone permission to access my credit for any reason. I explained that I did not do this and according to the FCRA those inquiries should be removed for XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, TX XXXX AR XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have explain that I did not do this. Delete this information from my credit.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Account status incorrect

I have 5 total student loans reporting to the credit bureaus. 3 of the accounts have open balances ( {$2100.00}, {$3600.00} and {$1000.00} ) and are currently in forbearance. FedLoan Servicing reported 2 missed payments for each of the loans at 90 and 120 days late for XXXX and XXXX of XXXX ( totaling 6 late payments ). I have disputed this error 19 times with FedLoan and with all three credit bureaus and they will not correct the error. 
From XX/XX/XXXX until XX/XX/XXXX those loans were in deferment. I have sent over the relevant documentation proving that the accounts were in deferment ; however, FedLoan continues to verify the information as accurate. A Representative from XXXX advised me that " XXXX '' reports whatever information that the creditor provides and they will not change it. I have the payment history from the US Department of Education showing the dates that the accounts were in deferment. 

I also have two other accounts serviced by FedLoan that were included in a Chapter XXXX Bankruptcy on XX/XX/XXXX ( Dated XX/XX/XXXX and XX/XX/XXXX ) .The accounts were discharged in XXXX of XXXX and currently show paid and closed by XXXX. When I disputed this error they verified the information as accurate to XXXX  AND further reported incorrect information. The accounts are now reporting as Bankruptcy for XXXX and XXXX which resulted in my credit score dropping tremendously. This occurred on XX/XX/XXXX. I called and spoke to several Representatives at XXXX and they advised that they would submit the information to FedLoan for verification.

I have also sent disputes to FedLoan regarding these isses and have not received a response.

I have spent lots of time and energy trying to get this resolved. I have been denied credit because of these errors and I am not able to get descent rates because of the decline in my credit score. This can NOT be legal and MUST be stopped.
Complaint sub-issue: Received bad information about my loan

I called Fedloan Servicing to inquire about another income-driven loan that would lower my interest repayment from 15 % to 10 %. The service rep helped me determine which box to check on my update application. In my inquiry I asked how my account would change and the only thing conveyed to me was my payment would decrease. After a few weeks I notice my credit score dropped. I XXXX the balance of my loans had increased significantly. I called Fedloan Servicing to find out why. They said it was due to switching plans. I became upset because I was never made aware my loan would increase by changing to a new plan.
Complaint sub-issue: Account status incorrect

This company continues to report deliquent payments on the credit bureau websites despite the fact that I am current. This is causing emotional stress to me because I continuously have to address this. This is a violation of fair reporting. Help all consumers fix this.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has been charging me late fees forever. I have tried several times to get them to change my payment due date from the XXXX of every month to the XXXX of every month. I get paid the XXXX and can pay the car loan payment every XXXX. They have continuously said that they would change the payment date and they have not. Therefore my payments are always showing up late. and I can not do anything about it. On XX/XX/XXXX I received my next payment I tried to call them again to change the due date and nothing came of it. I sent the payment online on the XXXX but I realized about a week later that nothing was coming out of my bank account I log back in to XXXX XXXX and realized there was an error with my bank account, and I resubmitted the payment therefore the payment did not process until XX/XX/XXXX marking it past 30 days. I have tried explaining this to XXXX XXXX but they have been rude and they are not willing to listen to me. They are very quick to help when they want to get paid, but when I tried to communicate with them that this was an error that I have been paying my car note every month they will not help me and they will not remove this from my or my husbands credit report. They are not being very helpful. I do not agree with they way they have handled this, since this has dropped my credit score XXXX points. That is a lot and it is not ok that this company can do such a thing to a consumer who is making monthly payments every month and there was an error in the processing. I have tried to find proof of the initial attempt but I have none since there was an error the payment simply did not go through the first attempt. They have thrown it in my face that my payments were never on time, even though I have tried to change the due date for a while now. They finally changed the due date to the XXXX once the damage was done because I was very upset, but they are willing to do nothing regarding my credit score and what they have done. I need help in this matter please.
Complaint sub-issue: Can't close your account

I contacted PNC bank twice on XX/XX/XXXX after receiving XXXX XXXX XXXX  monthly service charge. I requested the fee be refunded and my account type be changed. The fee was refunded, but the account type was not changed. I called PNC bank on XX/XX/XXXX as I had received another XXXX XXXX monthly service charge. The account type was not changed despite XXXX requests to do so. I requested to speak with a manager and was denied. I requested the XXXX XXXX  monthly service charge be refunded as I had previously requested the account type be changed and requested the account to be close. I was told the fee could not be refunded. Since the fee caused a pending transaction, I was told the account could not be closed. My still open PNC account is consistently low on cash since I have long since moved my cash to another institution. PNC refuses to change my account type, close my account, or refund me the fees caused by ignoring my service requests.
Complaint sub-issue: Trouble with how payments are being handled

When I paid a lump sum of XXXX toward my student loan I was informed that it can not be counted toward the principle until the interest is paid off. I asked if I could apply it toward the principle but they said I could only apply it toward the interest. 

So now I have paid off all my interest and now Im slowly chipping away at the principle which of course makes my payments last longer so they can collect more interest. I feel ripped off.
Complaint sub-issue: Account information incorrect

VW Credit account XXXX The payments on this account have been reported and changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time VW Credit says the account has been verified. Clearly it is unverified because the payment history changes every month and is being reported differently to XXXX, XXXX, XXXX, and XXXX.These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. VW Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. 

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it keeps changing and is not being reported the same to all bureaus. 

The last payment that they are reporting was made from XXXX XXXX on a payoff. It was based on a 10 day payoff and was submitted in plenty of time to be on time and should not be showing late. 

I demand that these specific and unverified information be corrected immediately!
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ... CONN XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

I found accounts in my credit report that I didn't originate or applied for, these accounts are fraudulent and need to be removed from my credit report immediately.
Complaint sub-issue: Problem with product or service terms changing

I have an Equifax account and all of a sudden I had a Fraud Alert as one Co. alerted me when they try to check my credit report, they could not. That Co. was a landlord in a place I trying to move in. So that was ok, but what happened with the Fraud Alert? I did not initiated. On their website the member can initiate a Fraud Alert him/her self. But there is no way for the member to remove it. Can NOT remove it? ( why? ) I had a dispute in XXXX, but that was resolved and case was closed. 
Than I had to call Equifax. Finally after several persons and several hours, the person tells me that he can remove it but I need to Fax over a copy of my Driver License and my Social Security card also one copy of a utility bill. 
Because I'm in a desperate situation to move into my new home I did Fax to the number were given to me by Equifax person. 
1- If the member can initiate an Fraud Alarm, how come we can not remove it. ( Their answer was : Security reason ) That I think is a bit overstatement for this isssue. 
2 - They should not ask for any copies of documents like Social Security Card or Driver Licence over Fax. ( Where is the security here? ) Also when we call they asking for Social Security number on the phone. ( where is security here? )
Complaint sub-issue: Card opened as result of identity theft or fraud

I have inherited a  Discover credit card. As I look at my Credit Report, the report says  that I opened this account in    1993 ( which  is not true ). First of all, Discover Bank does not give credit cards to someone th at their credit score  is around  XXXX . Secondly, if I would have opened this account i n 1993, I have  had  XXXX  bankruptcies and the card would have been wiped out. Here is the most important part, this card belongs to  XXXX   XXXX  who passed away several years ago. My wife inherited her estate and I was not a part of that. The estate has be all settle and then I started getting calls about this card a couple of years after  XXXX  passed away.
Complaint sub-issue: Information is not mine

i ran my free credit reports XX/XX/2016. On my Equifax report, there are XXXX revolving charge accounts that do not belong to me but belong to my Mother ( same first name, different address, DOB, SSN ) for XXXX credit card and XXXX credit card. Also, Equifax is reporting me at an address that I have never been a resident of but is related to the XXXX credit cards that are not mine. I disputed all XXXX items and am waiting for response on the credit. To remove the address, the want a copy of my DL, a utility bill and a copy of my SSN card. I WILL NOT provide that information. Do they not check the SSN and DOB before putting items on consumers credit? I want the XXXX disputed items removed and they need to be more careful and check the information first.. Thank you
Complaint sub-issue: Can't close your account

I have attempted 3 times to close my savings account with CitiBank and they will not close it. Their reps and supervisors keep assuring me they are closing it but it never gets done and they keep saying theres no confirmation to provide me that its closed. The 2nd rep even deactivated my account online to make it seem like it was closed and it never was. I am now being charged a monthly service fee. I do not know what to do anymore because they are going against my wishes of closing my savings account. Their reps are incompetent and liars. DO NOT ever bank with Citi. This is the worst company. 

Call log to Citi : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX