Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I'm a natural person, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. 
The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. 
The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
Complaint sub-issue: Reporting company used your report improperly

Equifax shared my personal credit information without my consent. Upon checking with the website Equifax set up in response to the cybersecurity threat i was informed that i may potentially have been a victim of the cyber attack.
Complaint sub-issue: Old information reappears or never goes away

I have disputed information on my credit report. I have proof that numerous items are not valid, have incorrect information, are showing incorrectly, that are being reported incorrectly, the debt is not legal or valid, previously disputed items that have been acknowledged as removed by the bureau is still reporting on my account. 

The agencies refuse to remove properly disputed information that had been proven as not legal or valid.
Complaint sub-issue: Didn't receive terms that were advertised

hi I went to the XXXXXXXX XXXXXXXX XXXX XXXX branch on XX/XX/XXXX and opened the business checking account with promotion of deposit the {$50000.00} for 60 days and get {$1000.00} bonus. I signed theW-9 forms and deposit the check on XX/XX/XXXX and move the money out on XXXX XXXX, but until today XX/XX/XXXX, i still did not get the bonus as promised. i have emailed the banker since XXXX, XXXX, and she opened the case for me, but still no result. i have emailed and called several times asking for the bonus, not result.. which is very upset
Complaint sub-issue: Banking errors

I called and emailed Credit Karma many times, I was told the {$50.00} bonus would be paid by XX/XX/XXXX. But I never get it.
Complaint sub-issue: Fees charged for closing account

1. I received a letter on XX/XX/XXXX from U.S.Bank dated XX/XX/XXXX, it said they will close my account on XX/XX/XXXX ( see attachment ). On the same day ( XXXX ), I received another letter from XXXX XXXX XXXX ( see attachment ). They said my check ( # XXXX, date XX/XX/XXXX ) was returned on XX/XX/XXXX, return reason is NO ACCOUNT. Court charged me {$35.00} extra for service. In order to prevent further penalty, I drove to court to pay by cash $ XXXX original {$85.00} + {$35.00} returned check service fee. I called U.S.Bank XXXX on XX/XX/XXXX, they said my account was closed on XX/XX/XXXX in their system and do not know why I received a letter stating that closing date XX/XX/XXXX. And they refused to pay the {$35.00}. I went to U.S.Bank branch ( XXXX XXXX XXXX XXXX, XXXX. OHXXXX  ) in the afternoon of XX/XX/XXXX to show both letters to banker and manager. The manager said she does not know what happened and can not help.

2. I still have several thousand dollars in my personal account, but they deleted my checking and savings account information in the online banking ( see attachment ). So I can not use my money to pay my credit card. Is this legal to delete customer 's account information without notice? How am I to pay tax? 
3. This is not the only incident and don't know if they are connected. several days prior we were denied a SECOND PPP loan on the grounds we have no history with this same institution ( first was through same bank ). We have business with this bank going back 10 years. The letter that informed us of this was not on blue and red US Bank letterhead, it was a copy ... very wrong. We would like to find out weather or not someone has done this as part of a " Cancel Culture discrimination against XXXX or XXXX XXXX XXXX or XXXX XXXX ''.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXXBalance : {$140.00} XXXX  XXXXBalance : {$210.00} XXXX XXXXXXXXBalance : {$210.00} XXXX XXXXXXXXBalance : {$210.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXXXXXX XXXX  XXXX XXXXBalance : {$3500.00}
Complaint sub-issue: Was not notified of investigation status or results

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On or around XX/XX/2022, I attempted to place an order with Home Depot and take advantage of financing offer up to 24 month of financing on purchases over {$290.00}.

First said website would not take order my Home Depot credit card kept declining purchase although the account was in good standing with available balance.

Home Depot resolution department got involved with placing order promised at exact delivery date and further adjustment if product was not delivered in time.

Not only was the product not delivered in time but sent out wrong merchandise and billing is incorrect. Home then separated each item ( 51 ) in total into several orders making billing verification and payments impossible to apply correctly and timely to avoid financing charges.

I attempted to reach Executive Office several times about this issue and was told they refuse to get involved. I find the billing and financing option a deceptive business practice and asked you investigate this as an official complaint.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Credit plus which was made on XX/XX/2016. I checked my credit report, which I acquired from XXXX. I have contacted credit plus, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Complaint sub-issue: Fee problem

On XX/XX/2019, a Over Draft was made to my PNC account. However, I cleared the overdraft the same day and as per PNC customer service they were unwilling to refund me back my Overdraft fee. As per PNC checking account guidelines in order to not get charged an overdraft fee the overdraft must be cleared in the same day. I followed PNC guidelines and were still charged a {$36.00} overdraft fee when I told them I need to pick up my prescription they dismissed it, and said there was nothing they can do. 

My Reference number from my PNC call XXXX
Complaint sub-issue: Old information reappears or never goes away

There are several closed accounts on my XXXX, Equifax, and XXXX  credit report that are extremely outdated and need to be corrected by being removed. Also Equifax, XXXX, and XXXX   are reporting unverified information on my reports.
Complaint sub-issue: Talked to a third party about my debt

Collection company reported debt to XXXX even though I have disputed the debt in writing to the company on three occasions. Further, I asked them not to call and they have called my home twice. I explained to the debt collection company that the information they have appears to be erroneous and possibly made up out of the air, but they continued to write saying I was not cooperating, when I was. I told them that the information they have does not match information I have regarding the account. They did not ask to see this information, they simply went ahead and reported it to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX and Equifax I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in
Complaint sub-issue: Problem during payment process

I sent Citi bank 3 checks totaling {$430.00}, 2 cut up credit cards and a letter to close my mastercard account ending in XXXX on XXXX. They cashed all 3 checks and closed my account and then lost my payments some place in there system. All 3 checks have cleared check # XXXX drawn on XXXX for {$100.00}, check number XXXX drawn on XXXX XXXX XXXX for {$200.00} and check number XXXX for {$130.00} drawn on XXXX XXXX. All three checks cleared my banks on XXXX. Now they want me to dig up copies of these cleared checks and send them to them because they screwed up and can not locate my cleared checks. They want me to do hours of work going to each bank and requesting copies of the cleared checks. You should note I do not do any online banking for security reasons. They are not offering to compensate me for my time, yet they charge me when ever i make a mistake and send them a late payment. I bill my time at {$350.00} per hour and this will take at least 2 hours to to get them what they are requesting plus i have to pay each bank for the two copies of each check as they want front and back of each check
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX 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: Can't use card to make purchases

Citibank reduced the limit on my credit cards, capping them at the current balance, without letting me know in a timely manner. They did this based on erroneous information reported and being corrected by XXXX XXXX. By reducing the limit to the outstanding balance this further aggravated my credit score and history damaging my reputation. I tried having this fixed on the phone and was not assisted. This was done without first speaking or writing to me to inquire on whether this was error. 

Clearly they took this aggressive and action de to my XXXX last name. Very racist and unprofessional of Citibank.
Complaint sub-issue: Account information incorrect

ON XX/XX/2019 I Submitted a file and reporting Identity theft to the Equifax Bureau, and ask that they would block information. In letter I ask to verify any information according to 609 of fair credit reporting act. that state that before they can place anything on my credit report they needed original doc 's with my signature. They just sent letter that said it was verified. I'm asking that they comply and show my handwritten signature on all documents they verified or they need to remove all items from my report because it hindering me from get approved for credit.
Complaint sub-issue: Debt is not yours

This started back on XX/XX/XXXX, FTC file number XXXX was filed for someone buying XXXX XXXX XXXX merchandise in the amount of {$810.00} two different times, I called XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX spoke to XXXX there was nothing in system with my name on it at all, she transferred me to XXXX General customer Mgr who also looked into this and could not find anything relating to me even from the Debt dept. XXXX XXXX XXXX  fraud number called was XXXX XXXX XXXX ) XXXX. The address that showed up on credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, never been to this state at all!!! 
The agency who was holding the debt was called XXXX XXXX at ( XXXX ) XXXX spoke to XXXX he said it was a Non Existing Account. It was taken off both XXXX & XXXX accounts immediately and I was told that this would happen to all 3 reporting credit agencies so I would not have to call each and everyone of them. XXXX wanted my cc number on page to help me like {$40.00} for something I never needed so I canceled it Now on XX/XX/XXXX suddenly ENHANCED RECOVERY CO L put this debit on my credit report as past due since XX/XX/XXXX. This is not my Debit nor my Charges in Fact I want video and I want signature proof of Purchase I also want stores and address. AGAIN all others removed this fake debit from reporting instantly way back we it first happened all my credit score is XXXX XXXX is always reporting it at least XXXX pts lower how is that even legal XXXX my on my home loan, car loan and now bank loan with the interest rates!!!! Another outdated broken American system
Complaint sub-issue: Report improperly shared by CRC

My identity was fraudulently used, and I 've been trying to correct issues that were made against me, instead of placing a simple call, the act was repeated, I 've since placed a police report on my file explaining what has accrued, but, the inaccuracies or still there. 
They have lowered my credit scores numerous of times without even checking the facts. Serveral or should I say, numerous Inquiries against me are unjustified, and EQUIFAX has neither checked or corrected their claims.
Complaint sub-issue: Information belongs to someone else

Multiple fraudulent inquiries on report. 
I am a victim of Identity Theft. Please remove the below inquiries from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Enclosures : 1. Copy of Identity Theft Report 2. Copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four ( 4 ) business days. 

XXXX XXXXXXXX  XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX  XX/XX/2021 XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

In addition to consumers having the right to privacy THE BUREAUS INC is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, XXXX XXXX, payment intangibles, or promissory notes which is for the purpose of collection only. 

THE BUREAUS INC has not conformed and is in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
Complaint sub-issue: Contacted you after you asked them to stop

This company called Americollect is attempting to collect an unknown debt from me by calling me 2 times a day, and contacting me after I asked them to stop. It is harassment. I also have done my research on the company and they have a record of harassment, threatening, refusing to send debt statement letters to those who owe, taking multiple payments for one debt and refusing to report the full payment to the credit bureaus, and attempt to collect false debt. This is criminal and must be stopped. The last time I was contacted was today XXXX XXXX 2021 at XXXX XXXX  two times in a row and I have pictures of my call log to prove it.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I have requested validation from XXXX XXXX they have failed on numerous occasions to provide this information. I have recently been informed that there is negative information reported by XXXX XXXX. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$580.00}. This account was previously removed from my credit file. ( PLEASE SEE THE ATTACHED DOCUMENT ). 

I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted again from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including  documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

There is nearly {$9000.00} in medical debt from XXXX XXXX hospital collected against me. When I call the hospital they have no records that show I owe anything. I have tried disputing these and they continue to keep these wrong collections up. They dont respond or show me any evidence as to why they wont remove them. 

On XX/XX/XXXX centron services opened an account of {$86.00} on me and I didnt even live in the state at this time. 

XX/XX/XXXX centron services opened {$110.00} on me. Again I didnt live in the state during XXXX. 

On XX/XX/XXXX centron services inc opened {$190.00} falsely on my report. 

XX/XX/XXXX centron services inc opened {$360.00} on me and this is incorrect. 

XX/XX/XXXX centron services added {$640.00} to my credit and this is false information. 

XX/XX/XXXX centron services opened {$740.00} to my account. This is not correct. 

XX/XX/XXXX centron services opened {$1500.00} to my account. This is incorrect. 

Lastly, Im on XX/XX/XXXX centron services opened another account of {$3600.00} to my credit report. This is incorrect and I dont know where this high balance came from. 

They are illegally holding information from me and not telling me why they arent removing these marks that are false and have impacted my credit horribly.
Complaint sub-issue: Didn't receive enough information to verify debt

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. '' Which is what UNITED HOLDING XXXX is doing by demanding I owe an alleged debt.
Complaint sub-issue: Didn't receive notice of right to dispute

I called EOS CCA at XXXX, spoke to a XXXX. I advised that I had requested a copy of my free annual credit report and saw several accounts that were reported without my knowledge. she was able to locate my account ( s ), stated my rights and sated that it was a attempt to collect a debt, I said ok. Then she proceeded to tell me that I owed a total of XXXX dollars for account # XXXX, and if I wanted to payoff items today. I said no, I 'm unable to pay balance off in one payment. I could make payments on the account, she then asked what my address was, I stated it is XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and then I asked why did I never receive any letter or debt collection notice from them, she stated that she does show nothing was ever sent out by them but I should had received something from the original collector : XXXX XXXX hospital. FIVE years ago. so since they did not mail anything in advance if I made a full payment they would remove the accounts off my credit report, but if I make payments they would not be able to, there system does not allow them to. I asked to speak to a supervisor, she stated he was not in yet I could call back in two hours, I then told her this is not right, I was not provided anything in writing stating I would be reported, if I did I would had made a payment arraignment, she then stated this is your notice I have advised you today of your account and the amount.