Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have silver thing that is reporting on my credit file these items are not mine as I have tried to resolve this matter with the credit bureau I have collection agencies I should have no collection and reporting I have a apartment complex I have never lived in apartment I always lived at home with my parents I shouldnt have anything on my parade airport I would like all these items removed from my credit report and my credit file updated I have a credit card bill this on air this over {$1000.00} Ive never owned a credit card
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a promotional offer by email on X/X/2017 for opening a Citibank XXXX XXXX credit card. Promotion indicated I would receive XXXX miles in my XXXX XXXX account if I spent {$2000.00} in the first 3 months. I met the spending requirements but never received the XXXX pts in my XXXX XXXX account. After numerous phone calls to both XXXX XXXX & Citibank, I was informed I did n't meet eligibility requirements due to some technical details in the fine print. Apparently Citi has a method for determining eligibility. This should be factored in before sending the promotional offer ... and certainly again when the application was submitted before the card was issued. I never received notice I did n't meet requirements until I inquired 6 months after the credit card was issued. I find the practice extremely deceptive. After lack of resolution, I cancelled by Citibank credit card and will not conduct business with Citi unless this is remedied.
Complaint sub-issue: Account information incorrect

I am filing a complaint on XXXX, Equifax & XXXX  due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately. 

The following accounts are in violation and need to be deleted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and allowed all my personal information to be stolen. I have had to place credit freezes on all my Credit Reports from all 4 agencies. I am now a victim of identity theft. I can not believe that Equifax is still in business ... ..XXXX XXXX Americans were hacked in something that could have been prevented but their incompetence has allowed XXXX XXXX Americans to be victims - This is unacceptable and not only should the heads of that company be held legally responsible but the company should be forced into closure.
Complaint sub-issue: Transaction was not authorized

1. I booked a trip through XXXX XXXX on XX/XX/XXXX and paid a {$300.00} deposit via my XXXX account that is linked to my PNC checking account. The trip was to XXXX and scheduled for XX/XX/XXXX. The company is XXXX owned. 

2. On XX/XX/XXXX, I received an email from XXXX  XXXX  that the trip would be postponed until XX/XX/XXXX due to COVID 19 and I could either go on the XXXX trip, book a separate trip, or wait one year and request my money back. 

3. On XX/XX/XXXX, I received an email from XXXX XXXX indicating that the company was going into administration ( bankruptcy ) and given options on how to try to get the money back. 

4. I filed a dispute with XXXX on XX/XX/XXXX and received an email back indicating that the dispute would need to be worked out with the vendor because it was more than 180 days. I then called XXXX and was told to contact my bank, PNC 5. I called PNC and filed a dispute. I was told I would be given an opportunity to provide documentation and would receive information in the mail. I received a letter from PNC on XX/XX/XXXX rejecting the dispute. 

6. A contacted the vendor who told me to inform the bank of the XXXX XXXX XXXX to see if they would accept the dispute 7. I called PNC again, was told the money could not be refunded because the transaction was more than 60 days old, and was instructed to go to a branch. I scheduled an appointment with the branch on XX/XX/XXXX and brought my documentation. The woman at the branch called her colleagues and was told that the bank would not review my documentation and there was nothing they could do. 

8. I receive an email from XXXX XXXX providing additional information on how to make a claim through their insurance company XXXX XXXX. I submitted the claim. It was rejected on XX/XX/XXXX because I am not an XXXX or XXXX citizen. 

9. I reached out to the XXXX Administrator. There is an administration process but it only pays cents. She indicated in an email dated XX/XX/XXXX that a US Customer had success by filing with the CFPB.
Complaint sub-issue: Problem during payment process

I have got a consumer credit at XXXX XXXX on XX/XX/XXXX for purchasing a dishwasher and received my credit card from Citi affiliated with XXXX XXXX. The deal includes 0 % interest rate if the credit is paid within 6 months ( expires on the end of XX/XX/XXXX ). 
Almost every month when I attempt to make the credit payment I can not access my account- my credentials stop working and account is getting blocked. I'm using a password XXXX software, so there's no way I could make mistake when entering my credentials. Every time I spend an hour with XXXX XXXX customer service in order to get my account access back which they fail to do and they end up deleting my account and creating it from the scratch. Every time I reported to customer service that this is repeating issue and they failed to fix it. Today XX/XX/XXXX and I'm attempting to make my last payment and again I can not access my account and have to spend an hour again in order to get access back and make the payment. Considering the repeating nature of the issue and failure to fix it, it definitely looks that Home Depot credit department is doing this on purpose in order to trick customers into late payments and paying interest. This negligence from XXXX XXXX side looks to me like a fraudulent activity, which I would like to report. 
Thank you!
Complaint sub-issue: Other problem

I called Discover Credit Services once I was notified of a hard pull on my credit. I didn't request this card and it was a case of fraud. I was told that the card was not issued on that date ( XXXX ), that the credit card was not approved, that the account was closed, and that they'd do an investigation. 

On XX/XX/22 I was notified by Discover Credit Services, that the card was shipped out and asking if I have any questions on my new account. This is after I did a security freeze with all of the credit score companies and this was indeed the SAME account that I was previously told was closed and that no card would be issued to. I told that team I want the card closed immediately and the account closed plus a statement saying as much. 

The blatant lies and the likelihood of the card going out in spite of my best earlier efforts and what the company told me is disheartening to say the least. I don't know if it is illegal, but I have to say that it should be and is definitely unethical.
Complaint sub-issue: Can't close your account

I opened an online savings account with a deposit of {$1000.00}. Citibank will not give any information on how to access the account. I have made at least 6 phone calls attempting to resolve, but have had no success. They adamantly refuse to give me any information about my account or close the account and send me back the money.
Complaint sub-issue: Trouble with how payments are being handled

I have direct loan payments set up on my account and it has been working for the last three years without an issue. I am currently attending a XXXX XXXX and I I elected to continue paying my loans despite being in school. However, after a few months of being in school, my monthly direct deposit was no longer being processed. I received no notification of this and my interest then increased significantly on my direct unsubsidized XXXX XXXX Now I am being forced to pay off the accrued interest, not the principal balance due to their error. 

On XX/XX/2018 I wrote to them about this issue and I have yet to receive an answer from them.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX, I applied for a vehicle loan and was denied due to information on all 3 credit bureau reports which reflected I owed {$3000.00} to a " XXXX XXXX ''. I immediately contacted the company who indicated this was a student loan. I informed them I never applied or received any funds from a student loan. I filed a report with the Federal Trade Commission. XXXX XXXX then begin reporting the account under : ATG Credit LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. When I contacted the Company and requested a copy of all documents relative to this debt specifically signed loaned documents, cancelled check stub or related bank account funds were sent to, the agent hung up. This is ID theft. I never applied for or received any funds from XXXXXXXX XXXX or ATG. I did not received my drivers license until XX/XX/XXXX. I would appreciated your assistance.
Complaint sub-issue: Information belongs to someone else

I have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX, I filed a complaint with the CFPB against LexisNexis CASE # XXXX. Respondents responded to the complaint on XX/XX/XXXX, stating that the disputed information was deleted. LexisNexis removed motor vehicle record XXXX Per their letter. ( See attached ). However, I did not receive the " Identity Theft packet, '' Although an FTC report was filed and provided to LexisNexis multiple times. 

On XX/XX/XXXX, I filed a second complaint with the CFPB against Lexis Nexis Case # XXXX. Respondents responded on XX/XX/XXXX. However, there are still issues surrounding the information that was " allegedly '' Deleted. 

LEXIS NEXIS SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. Lexis Nexis stated the information was removed per the letter to the CFPB ; my insurance rates increased again to {$430.00} a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different, with a rate of $ XXXX month. LexisNexis continues to violate the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) " No Permissible purpose/ No written instruction '' I had recently received notification from a customer service representative from XXXX as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from Lexis Nexis and a ticket that I was reported in XX/XX/XXXX I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX Again, I have submitted the information previously in the previous complaints and will present the documents from XXXX XXXX that are being reported as of XX/XX/XXXX. 

However, as of XX/XX/XXXX, Lexis Nexis again provided false statements as the information is currently being reported, still causing financial injury to the complainant. with no good resolution to resolve issues despite their responses to the CFPB. As a result, I am requesting Enforcement from the CFPB, and I will pursue the matter via a civil lawsuit.
Complaint sub-issue: Don't agree with fees charged

Your school falsely certified our eligibility to receive the loan based on our ability to benefit from its training, and we did not meet the ability to benefit student eligibility requirements. 

So basically saying, the degrees and classes were n't worth the time or money put into them. The degrees and classes are scoffed on by any employer we have inquired to, and many former students have reported this issue.
Complaint sub-issue: Account information incorrect

MY HOME WAS BROKEN INTO IN 2018, I SPOKE TO THE LEASING AGENCY AND WAS ALLOWED TO BREAK MY LEASE, HOWEVER, I HAVE NOTICED THIS ITEM ON MY CREDIT REPORT WHEN I WAS TOLD IT WOULD BE REMOVED
Complaint sub-issue: Their investigation did not fix an error on your report

THIS PROCESS HAS CAUSED ME EXTREME STRESS IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID XXXX, EQUIFAX NOR XXXX WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX XXXX - {$0.00} XXXX XXXX - {$440.00} XXXX XXXX - {$650.00} XXXXI XXXX - {$250.00} XXXXL XXXX XXXX - {$680.00}
Complaint sub-issue: Information belongs to someone else

I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''
Complaint sub-issue: Was not notified of investigation status or results

Equifax, XXXX, XXXX, Have not been updating my credit reporting every 30 to 45 days I do believe this is retaliation from me filing a complaint against all three credit book bureaus and I like this problem to be fixed immediately it is preventing me as a XXXX on XXXX  from receiving funds for my business. Someone has gone in and changed all my personal information on my credit report and continues to do it in the credit bureaus are failing to report it to the consumer that this is happening to such as myself. From months I have been trying to build up my credit score and the credit bureaus were fused to report my good payment history.
Complaint sub-issue: Their investigation did not fix an error on your report

My husband and I were applying for home loans in XX/XX/2021. We shopped around with a few lenders including Citibank. The loan officer from Citibank we worked with was XXXX XXXX XXXX. He ended up pulling our credit multiple times without our consent, but since at the time we were shopping for a home loan, we did not do anything about it. 

We bought our home in XX/XX/2021 through another lender and have not applied for a home mortgage since then. 

Recently on XX/XX/2021, XXXX XXXX XXXX pulled our credit ( both me and my husband ), even though we are in NO WAY engaging in business with him. We tried to contact him to get him to reverse the credit pull but were unsuccessful. We also filed disputes with XXXX ( both me and my husband separately ), but XXXX upheld the credit pull as valid, even though we did not authorize it and are NOT seeking a mortgage from Citibank. 

Since we are not getting any help from XXXX XXXX, Citibank or XXXX, we need to file a report to get a resolution and remove the credit check. I'd also like to report XXXX for erroneously pulling credit without our consent both in XXXX when we were shopping for loans, and many months later in XXXX when we had no relationship or contact with him.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from XXXX XXXX without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking Equifax to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. Thank you.
Complaint sub-issue: Application denied

On XX/XX/XXXX I applied for a CITI XXXX XXXX XXXX XXXX Card on the Same day I was declined for my limit increase with another Credit Card. I recently paid off a considerable amount of credit card debt the previous month. I've received numerous offers in the mail from CITI for that card as recent as XX/XX/XXXX with a personal invitation number. I applied online and was also declined. I received my letter in the mail and the reason for decline was " Too many recent inquiries are recorded on your credit bureau report ''. The adverse letter failed to include my XXXX Credit Score at the time of inquiry, which Financial/Credit Institutions are required to do. After being declined for the XXXX XXXX XXXX XXXX Credit Card, the following month ( XXXX ) I am now being solicited by CITI to apply for their XXXX  Card, which offer no rewards other than ( {$0.00} Late Fees and {$0.00} Penalty Rate ).
Complaint sub-issue: Transaction was not authorized

On XX/XX/2020 I was charged a XXXX of {$500.00} that I did not authorized. When they used the account I was at work at XXXX shipyard. Notice the someone else was using it because i got a text on my phone for the transaction around XXXX XXXX. Called the ADP and tried to open a dispute right away and they told me that I have to call the next day because the dispute department was closed but that they will send me a new debit card and cancel the old one .Called them the next day and told them about the transaction and they told me that they could not open a dispute yet because the transaction was pending and told me to wait because it might not go through. Waited a couple of days and it went through so I called them and open the dispute. They told me I was gon na get some forms in the mail in 7 to 10 business days that I needed to fill out and to send it back to them. Waited the days forms never came just the debit card in the mail. Called them back to ask about the forms they told me they sent them and since I didn't get them they would send it again. Never got these forms that I needed to fill out kept calling them about them they just kept saying that they would send them again and it kept going on like this for 2 months. Called again told them what was the reasons for these forms and how will this effect the dispute that I have open, did not give me a proper answer just kept telling me that it is an update to the dispute would not tell what type of update, ask them if they could send it in email and they said no that I have to wait another 7 to 10 business days. Today which is XX/XX/2020 went to check the mail for the forms and I saw a letter from them ( ADP ) which i thought was the forms that I've been waiting for so long to send them. Opened the letter and it said that the dispute was finalized and that there was no error also says that I have the right to request and receive the supporting documentation that they used making the determination. I called them right away ask an update on the dispute told me I was gon na get a paper on the mail saying this. Told them I got them and if they could send me the document in how they came to this decision and they just kept telling me that it's the paper I have. Told them no that i want the proper document for the decision that they came to even read the part of the letter that says I have the right to those document but kept sending me in circles. Got fed up ask to talk to the supervisor said yes then said that they were unavailable told the person helping me out to give me his supervisor name and he said which one because they have 3. Told him all of them are unavailable he said yes and he only gave me the name to one said that they supposedly call me back. I don't know how these forms that they wanted me to fill out never came in the mail if they were able to send me a new debit card and the letter saying this dispute is finalized. They also told me maybe someone was grabbing my mail which is ridiculous to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am 120-150 days past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.