Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

To whom it may concern : I became aware of my credit score dropping XXXX points in early XX/XX/XXXX. I requested a copy of my credit report and found that I had a mark for 60 days past due on a joint XXXX XXXX  account that I had closed several months prior ( I believe in XX/XX/XXXX XXXX. 

I am frustrated and feel I am not at fault for this delinquency, due to the following facts : 1 ) The account was closed several months ago, and at that time showed a {$0.00} balance both on the checking account and the overdraft line of credit. Why would XXXX XXXX allow an account to be closed if it has an outstanding balance? Why would they not let me know at the time of closure if there was an outstanding balance? 

2 ) Even though I closed my checking and overdraft accounts, they still showed up in my XXXX XXXX XXXX Online account page. They continued to show a {$0.00} balance, so I had no way of knowing that I owed anything. Even after calling several times to close the account, it still appears on my online account. I have attempted to close this account at least twice and the associate on the phone confirmed it was closed. However, it still chows on my online page with a XXXX balance. 

I proceeded to contact XXXX XXXX XXXX customer service on XXXX via the XXXX number and immediately arranged payment for the outstanding amount of {$40.00}, which I was not aware was outstanding. I then called back asking how I could remove the mark from my credit score. After being transferred to no less than 5 departments after about 40 minutes, I asked to speak with a manager in the collections department and was connected with a woman named XXXX. She said I could submit my request to her via email which I did on XXXX. I never heard anything back, and called to request followup information on another day in XXXX. The woman I spoke with took notes on my account and noted that prior conversations had been documented and that I should receive something in the mail to confirm receipt of my complaint. I never received a letter in the mail, so I emailed the collections dept at XXXX to confirm they received my initial email. I have received no response from any of these efforts. 

Finally, I would like to note that I am moving to North Carolina in the coming months and plan to purchase a home, which will require a mortgage. The timing on this could not have been worse, as it has negatively affected my credit score by XXXX points. This obviously means a worse interest rate, costing me thousands of dollars -- over a missed payment for {$40.00} which I was never made aware of. 

Please remove the mark from my credit score as I do not believe I was properly made aware of the outstanding balance, and paid it off as soon as I was made aware ( through my own investigation after a significant mark on my credit report ). I have made over a decade of on-time payments to citizens bank and all other financial institutions with which I have done business. I have worked very hard to get my credit score above XXXX.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I decided to request my free credit reports and noticed that there were charges from a medical collections agency, Grant and Weber, on behalf of XXXX XXXX XXXX, on my credit history report that are detrimental to my score. There are several items to consider on this. 
1 ) Negligence in informing me of this. I never received notification that this was on my credit history 2 ) The one phone call I got from this company - I provided the necessary information for them to contact my insurance, XXXX XXXX. I have always been fully insured and have never incurred any medical expenses that were not covered by my insurance. 
3 ) I have disputed these charges already and yet continue to see them in my credit history Here is the information on these two disputed charges gleaned from the credit report : GRANT & WEBER # XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Balance : {$170.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< GRANT & WEBER XXXX XXXX XXXX XXXX XXXX  XXXX MAIL RETURN XX/XX/XXXX XXXX, CA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$330.00} Date Updated : XX/XX/XXXX Original Amount : {$290.00} Original Creditor : XXXX XXXX I strongly request that these charges be immediately removed from my credit history. This is impacting my ability to have a FICO score that reflects who I am : a law abiding citizen who responsibly takes care of her debt and financial responsibilities. It is negatively impacting my ability to receive the best interests rates on loans and therefore this gross negligent behavior from Grant and Weber is having a negative impact on my economic status and potential as a consumer. Grant and Weber should have contacted me - and show proof of contact - prior to placing these and ignoring my request to remove them. Grant and Weber has the insurance company, XXXX XXXX information, on file to handle these internal disputes between medical groups - it is highly inappropriate to have used me - and injured my credit history - in their collection process.
Complaint sub-issue: Old information reappears or never goes away

I am filing this complaint because Equifax delete d SEVERAL a ccounts from my credit profile per my last dispute, and after checking my account today, those accounts that have been flagged as " This item has been deleted from the credit file '' still remain. I am attaching a copy of the investigation results that notate EVERY account that needs to be, and should be deleted IMMEDIATELY!   Per FC RA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ],   Requirements relating to reinstatement of previously deleted material.   Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to sub-paragraph ( A ), the information  may not   reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   If any information that has been deleted from a consumer 's file pursuant to sub-paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5 b usiness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under claus e ( ii ), a co nsumer reporting agency shall provide to a consumer in writing no later   than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.
Complaint sub-issue: Information is incorrect

I was admitted to the hospital back in XXXX XXXX of 2019. Many test had been ran they could not figure out what was going on with my body. After a lot of back & forth it was finally determined that I had XXXX. This was in the beginning stages so less information was known then versus now. I was in the hospital for about 3 months. I am lucky to have made it out alive. So when I did finally get released and was a able to get some energy I began to contact my creditors as I was not able to do from the hospital bed. I contacted Acima and explained the situation. They agreed to put me on a catch up plan and the rep stated all negative reporting would be removed. I have since went back & forth with Acima about this plan that I was not told I had to call back in to continue a plan and they are continuing to report late payments on my credit that has taken my score down over XXXX points. I went into an agreement thinking everything was solid. I have called and spoke with Supervisors whom all they do is apologize for the misinformation but claim it's nothing they can do. This is totally unacceptable and Acima needs to uphold their end of the bargain. No one asked for XXXX and what it has done to the country so to be taken advantage of my Acima is just flat out not right. I wasn't able to take advantage of the early buyout due to my illness now i'm almost paying 3 times the amount I would have been paying and they are adversely affecting my credit. This needs to be rectified immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : XXXX  has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  Equifax has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX - Opened XX/XX/XXXX Balance : XXXX ( Equifax, XXXX, XXXX ) XXXX XXXX  XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( XXXX  and Equifax ) XXXX XXXX XXXX - XXXX  XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I was scammed by a guy who we thought worked for XXXX. The purpose for calling XXXX was to reverse some charges to my bank account. The result of the scam I was defrauded out of {$6400.00} out both checking accounts. I contacted PNC immediately on XX/XX/XXXX, trying to stop or freeze all those tractions that were made and was told that they couldn't do anything until after the charges left pending and then I could file a dispute. Once those charges left pending on XX/XX/XXXX, I filed a dispute of which was determined as valid transaction therefore my dispute was denied on XX/XX/XXXX. I am now trying recover what monies that I lost and I feel that if PNC had stop or froze those transaction I could have recovered the money that I was defrauded out of.
Complaint sub-issue: Funds not received from closed account

XXXX XXXX XXXX EST ) I decided to make this formal complaint. 
XXXX XXXX XXXX EST ) I received a voice message from XXXX XXXX. He stated that I should telephone XXXX and tell them that I was calling about a lost check. I called the number. After an exhausting amount of time on their very hostile menu system I talked to a person who was not in the XXXX. I asked him to transfer me to someone in the US. He put me on hold and after 2 minutes terminated the call. I tried calling back with horrible and extremely taxing results and finally was unable to reach anyone. 
XXXX XXXX XXXX EST ) I received a phone call from XXXX XXXX XXXX XXXX XXXX. He asked me my social security, date of birth, and, security password. I gave it to him. He then said that he would look into this matter for me. I thanked him. 
XXXX Phone with XXXX at XXXX XXXX XXXX XXXX. I told her that I had not received any contacts from Citibank. She said that it would take a little while. I told her I would call her every week to get an update and she then said she would call me every Wednesday to provide an update. 
XXXX Received a call from XXXX at XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX she told me that she had initiated a Citibank XXXX and that I would be contacted and then my {$310.00} would be sent to my home. 
XXXX Called XXXX and told him his branch manager had not contacted me. He said he would follow up with the branch manager. 
XXXX XXXX called me and let a voice message stating that his branch XXXX would review this complaint. 
XXXX No satisfaction from Citibank 's extensive phone menu or their worldwide answering machine. I then called their bank in XXXX and talked to XXXX at XXXX. XXXX listened to my inquiry, then looked up my account, then said that he would have his branch manager review my complaint. 
XXXX I called Citibank again. I ask for a review of the claim and to find where the check is for closing my account. 
XXXX I called Citibank XXXX number. I told them that I had not received a check. They told me they would review the situation. 
XXXX Closed the checking account during a phone call with XXXX. She closed my account and said that they needed 10-15 days for a check XXXX {$310.00} XXXX to arrive at my residence.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have been paying American Education Services for a private loan I took out in 2007 with XXXX XXXX. I have been paying on this loan for several years. The original balance was just over {$7000.00} and the interest for this loan has more than doubled the current principle. I will never get this loan paid off at this rate. This past week they increased the interest rate to over XXXX  %. I am hoping that someone can investigate this and stop this horrible price gouging. I have been late, but only late more than 30 days at one time. All of these years I have been paying, I have paid before the 30 day mark and have consistently paid this loan. Please help me and others who have the same thing happening. Please stop American Education Services from continuing to do this.
Complaint sub-issue: Debt was paid

I am contesting the accuracy and completeness of information contained in my consumer 's file at my credit-reporting I am requesting a reinvestigation under the Fair Debt Collection Practices Act, 15 U.S.C. 1681i. and this agency is not answering as they should : Receivables Management Systems located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX E-mail : XXXXXXXXXXXX Phone : XXXX - XXXX - XXXX XXXX : XXXX The information I am contesting is a claim for health care services and/or supplies provided by patient first in XXXX VA dated XXXX 2015 alleging late or non-payment by me. I have enclosed information from the Department of Defense, XXXX XXXX XXXX, which explains the Government 's role in the delay in payment or payment of less than the billed charges. I request that you reinvestigate this matter and delete the negative information from my consumer file. 
Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am writing the because I have reached out to the credit bureaus about inaccurate information on my credit report and I have not been getting any response back In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN, 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: Reporting company used your report improperly

According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a notification from My XXXX XXXX that a hard inquiry was made by US Bank on XX/XX/2022. After contacting US Bank, I was advised that they will document the fraudulent activities. The individual tried to make a purchase at XXXX XXXX in Pennsylvania. I was also advised to contact XXXX XXXX, which I completed.
Complaint sub-issue: Information belongs to someone else

ATTN : FACT Act Dispute Request, XXXX. XXXX  XXXX, XXXX, GA, XXXX To whom it may concern I have recently received a copy of my Lexis Nexis report and I see that you may be the nexus of all the incorrect information reporting to the credit bureaus. I will go section by section of the incorrect reporting so it will be easy for you to correct and delete this. 

In the address section of this report, you have a USPS date last certified XX/XX/2020 : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX HOW CAN I HAVE 5 DIFFERENT ADDRESSES AT ONE TIME?? 

My only address other college has only been XXXX XXXX XXXX XXXX XXXX, AL XXXX. I have proof of this with my drivers license and my bank statement I keep providing to you. If you would simply do your own investigation and reach out to these addresses you will know I have never lived at these other places. 

In Section 1 you have multiple instances of the name MR XXXX XXXX XXXX. My name has never been XXXX. This incorrect name is also only attached to incorrect addresses, not my actual address. The fact you have an incorrect name lets me know you have done no research or due diligence into the protection and accuracy of my data. 

In section 3, in the Educational Records, you have me attending XXXX  XXXX University. The reported age is XXXX! Im XXXX now and I am attending XXXX XXXX University! I have proof in the form of a transcript. Where are you getting this information from??? Are you suggesting I live at 5 different places AND attend multiple schools at the same time? You dont even report my actual school! 

You can not keep saying youre verifying information when all you are doing is typing my name into a database and it is spitting out the same incorrect information. Call these people, call the courts, call the owners of these homes, and verify it that way. Ask for my signatures and ACTUAL proof. Otherwise, you are just wasting my time and deteriorating my quality of life because of your incorrect data. If you do not correct this, I will be seeking damages in court. 

Resolution Remove all incorrect names, addresses, schools, and public records attached to these incorrect names and addresses. 

Proof of Incorrect Information ( Attached ) Proof of Address ( XXXX XXXX XXXX XXXX XXXX, Al XXXX ) Drivers License, Bank Statement, Transcript Proof of Identity Theft Police Report Proof of School Transcript
Complaint sub-issue: Problem with fees

I was being charged {$2.00} for 3 consecutive months with no balance on my Macys ' account. I did not check my account thinking I have no balance but because of the interest charges, I have a balance of {$6.00}. I contacted Macys on XX/XX/XXXX and they informed me that my account was delinquent because of the {$6.00} balance that I have not paid for several months, which subsequently impacted my credit scores. I did not understand why I was being charged every month with no balance but I did not want to argue with them so I paid the {$6.00} interest charge in the desire to bring my account back to normal. After I paid they ensured me I had no more balance and this will not happen again. Yet, on XX/XX/XXXX when I checked my account, I saw the same {$2.00} interest charge. I contacted them again, they told me the same thing and made me pay another {$2.00} and said my balance is now XXXX. I checked my account again on XX/XX/XXXX and there it was, another {$2.00} interest charge. This time I called them and they said my account was not adjusted for the interest charges ; they will credit me a total of {$10.00} and this will not happen again. At this point, even if they credited me {$100.00}, it would not make a difference. As a consumer, I feel cheated and lied to. They charged me interest fees when I had no balance on the account as I always paid it off. They XXXX up my credit scores, which has been in very good standing until this happened.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries below need to remove due to unrecognized on my Equifax personal credit report. 

XXXX XXXX on XX/XX/2022 XXXX
Complaint sub-issue: Banking errors

I had opened Citi Regular checking account with a promotion of Cash back {$200.00} offer. Terms and conditions were that I need to deposit $ XXXX within 15 days and keep it there for at least 90 days and after that I will get the {$200.00} bonus. 
I have been following up with Citi regarding this. It's such a large bank and full of inefficient employees that i keep on getting different answer. 
Today i called over the phone and the gentlemen told me that I will be getting the {$200.00} cash bonus by XXXX XX/XX/2019. 
While on the chat XXXX told me that i don't have the cash back promotion at the very first place. 
This is ridiculous.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed an account and a few hard inquiries on my credit report I do not recognize
Complaint sub-issue: Information belongs to someone else

Equifax was breached by hackers today X/X/2017 and I checked to see if I was a potential victim and I am. Formally filing a complaint against them for leaking personal data.
Complaint sub-issue: Public record information inaccurate

Im filing this complaint against XXXX XXXX XXXX and equifax credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation wrong information such as old address wrong employers email address public information on my credit report and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please