Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

On XX/XX/XXXX, I learned that XXXX XXXX American Express had reported that I was 60 days late on a {$9.00} charge I made to that card on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXXXXXX XXXX credit department ... .and after several calls was told I needed to call back the next day and talk to a Credit Consumer Specialist. On XX/XX/XXXX, after two calls, I finally was able to speak to a Specialist. We went over the charge. We went over the fact that I had signed up for on-line statements and bill pay : And, that I never received any emails for this {$9.00} charge. And, that the only email re a statement due came on XX/XX/XXXX, the day after I had charged {$60.00} plus dollars on that same card at my local XXXX XXXX. I was travelling on the XXXX. Went on to XXXX 's on-line bill website on XX/XX/XXXX to pay my bill. It said I owed $ 77ish dollars. My bank account is right on the website as a link to pay. And, I authorized payment. Nothing was said that I was deliquent or had any late pay issues. I only found that out by my credit monitoring company sending an email stating the same and calling me on XX/XX/XXXX to figure out why this happened. All this was explained to the Credit Consumer Specialist. She didn't care. She couldn't/would n't remove the deliquency notice. And, when she asked if I wanted to dispute the matter ... ... She read me a legal notice that was quite threatening and intimidating ... .and not fully disclosing or accurately disclosing what would happen if I did dispute the matter. The legal notice she read me said that if you dispute the matter, you will be denied a mortgage or a loan by a lender until the dispute is removed or resolved. At no time, did she tell me that a dispute is resolved in 30 days. That I found up by calling XXXX   ... .and filing the dispute directly with them. XXXX XXXX Specialist also failed to disclose that a deliquent account stays on your credit report for 7 years ... unless cleared out by filing a dispute. When I raised the fact that XXXXXXXX XXXX legal disclosure was threatening, the Specialist did everything she could to continue the threat of financial consequences should I file a dispute. XXXXXXXX XXXX needs to revise their legal disclosure and retrain their Specialists so that a consumer is fully informed of how the dispute process works, that it is quickly resolved in 30 days, and if its resolved in the consumer 's favor ... .their credit score will be restored to its former glory ... .rather than threatening no ability to obtain loans or credit cards in the future should you file a dispute.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( XXXX ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 
XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXX {$240.00} ( PLEASE DELETE ) XXXX  XXXX ( PLEASE DELETE ) XXXX XXXX XXXX {$250.00} ( PLEASE DELETE ) XXXX XXXX XXXXT XXXX ( PLEASE DELETE ) XXXXXXXX XXXX XXXX {$130.00} ( PLEASE DELETE ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) CLOSED ( PLEASE DELETE ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( PLEASE DELETE ) INQUIRIES : XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXXXXXX XX/XX/XXXX ( PLEASE DELETE ) EQUIFAX MORTGAGE SER XX/XX/XXXX ( PLEASE DELETE XXXX XXXX XXXX  XX/XX/XXXX ( PLEASE DELETE ) Also, attached is a copy of my new driver 's license, please update my name and remove all old names from my credit file as well. 

Thank you so much for your time and attention to this matter.
Complaint sub-issue: Public record

There is a Public Record Information that is inaccurate in its filing. The case is " Dismissed '' which means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and by Consumer Rights the credit agencies have to state WHO has " verified '' this negative entry. This derogatory has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Company closed your account

AFTER BEING A GOOD MEMBER IN STANDING AS CARD HOLDER FOR OVER 2YRS. I RECEIVED A LETTER FROM DISCOVER CARD STATING THAT MY LIMIT WOULD BE REDUCED FROM {$3700.00} TO {$500.00}. I HAVE NEVER MISSED A PAYMENT AND CURRENTLY HAVE HAD A XXXX BALANCE FOR AWHILE. THIS HAS ADVERSELY AFFECTED MY FICO SCORE .I HAVE ACTUALLY INCREASED MY SCORE AND HAVE ADDED ACCOUNTS WITH NO LATES WITH VARIOUS LIMITS. AND MY SCORES ARE DECENT,XXXX.NEVR MISSED A PAYMENT AT ANY TIME ON ANY CARD, OR PERSONAL LOANS MR XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Information belongs to someone else

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed.
Complaint sub-issue: Public record information inaccurate

I have sent numerous dispute letters to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. Equifax has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.
Complaint sub-issue: Information belongs to someone else

equifax stopped me from getting new credit card from XXXX ... spoke with people in fraud dept at equifax ... XX/XX/XXXX we faxes to their agent -- -global consortium all information and copy drivers licience as requested ... we recieved a reply with incorrect information ... my social secutity number was stolen in XXXX ... ( XXXX XXXX XXXX..born XX/XX/XXXX was arrested and pleaded guilty.. ) my name in XXXX XXXX..REPORT FROM EQUIFAX -- - CONFIRMATION # XXXX ... .CONTACTED EQUIFAX TRIED TO EXPLAIN THE PROBLEM ... .THEY ASKED FOR MORE INFORMATION TO BE FAXED TO THEIR FRAUD DEPT & COPY OF SOCIAL SECURITY CARD ... ALL THIS WAS DONE ON XX/XX/XXXX ... STILL NO RESOLUTION TO THIS PROBLEM
Complaint sub-issue: Information belongs to someone else

My identity has been compromize, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX I made a purchase to XXXX. I could not use the service properly and wanted to cancel. I thought I was being billed XXXX monthly but they were billing XXXX monthly average with annual payment of XXXX. They charged {$84.00} up front. Since the service is XXXX and I cant use it, I called customer service to cancel. The phone number listed on website goes to a prerecorded line that says we do not offer phone support. I sent an email requesting refund to XXXX as instructed by CITI BANK on XX/XX/XXXX and there was no response from XXXX. Their website says I can not get refund after 30 days of purchase so I acted quickly. Now I have been disputing this charge with CITI BANK who gave me a conditional credit then TOOK IT BACK and is also charging me interest on the charge as Im now over the limit. I have sent them copies of the receipt, my email request and completed all the paperwork they asked and I still do not have my refund. This is clearly consumer fraud on both ends. Ciiti bank is just as guilty as XXXX
Complaint sub-issue: Sent card you never applied for

XX/XX/XXXX I received an unsolicited Debit Card issued by XXXX/MoneyLion XX/XX/XXXX I used the online chat system from the website and ultimately called customer service to ask why the card was sent. The representatives asked for every possible piece of personal identification, from Social Security number to date of birth, all contact information from address to email and phone. Then they confirmed 2 accounts were opened using my information BUT they refused to give me any information on how they were opened, when, or by whom. They insisted that I would have to submit an affidavit to their fraud department in order to open an investigation and that it would be mailed to me. Then before I could request any additional information they said a hasty goodbye and hung up on me. 

**The phone number in the letter they sent with the card was a non-working number.
Complaint sub-issue: Public record information inaccurate

one Bankruptcy chapter XXXX ( public record ) has been reporting under my equifax credit reporting agency,  this public record is not mine, and no matter how i explain to equifax they would not understand, i have even gone to to the courts and they did not have anything under my name, this is an absolute inaccurate information reporting under my name with equifax credit reporting. i have tried to talk to them every time they are very rude and not helpful, they have not been disputing correctly and each time they say it was verified. i would like to know how they have verified that even the court does not have my information please help me out you r are my last hope, thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a challenge letter XX/XX/2019 to XXXX  about an incorrect account on my credit report. I ask XXXX   to investigate the account serval times only to get back that the account is verified or accurate. There's no way the account is accurate or verified. I never received a proper investigation from XXXX. The service address for this account is a place I've never lived or authorized service too. This account is not mines! 

I mailed at least 3-4 times about this matter and I called yesterday and was told there's nothing they can do if the data furnisher deems it accurate? I've never received any proof or letter proving this account as accurate.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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: Unexpected increase in interest rate

I bought a TV for under {$3000.00} and in XX/XX/2022 Best Buy Citibank charged over {$1400.00} in interest. I made an automatic payment to their website throughout and after my purchase. 

This was supposed to be no interest for 24 months. I am being charged over 50 % in interest and have no explanation from the company. I am disputing and reporting this unethical business from Citibank XXXX. I am not the only consumer being overcharged. Deceptive promotion over 24 months of no interest ever specifies an outrageous claim. I have no idea how this was calculated and was not aware that I will be charged this higher from no-interest financing. I would of used a different credit card had I known this.
Complaint sub-issue: Problem with balance transfer

I applied for a Discover card mid XXXX, about XX/XX/XXXX. At that point in the application process they asked if I wanted to do a balance transfer and I did so I filled out the online form with my information. I received the card in the mail 2 weeks later. I logged in to their website to activate my card on XX/XX/XXXX. It was at this time, my account was at a XXXX balance and my other credit card was still showing the full balance. There was no indication of anything pending in my account. It was this point I determined that during the initial application process they must have only been asking what my purpose was for applying for the card. So while I created an account and activating my card, I went through the process of doing a balance on their website. During the balance transfer process it was stated that the maximum amount I could transfer was {$8100.00} and that would include the balance transfer fee. So I initiated a XXXX balance transfer from XXXX Bank XXXX Discover Bank. I logged into my XXXX account the yesterday and noticed I had a negative {$6500.00} balance. Just this morning I reached out to Discover to find out what the issue was. And now this morning I noticed in my account that the first balance transfer when I applied for the card on XX/XX/XXXX posted on XX/XX/XXXX and this was 100 % not listed in my account on XX/XX/XXXX or else I wouldn't have done the second balance transfer. Discover told me I need to talk to XXXX to request a refund and they will not and absolutely can not refund the second balance transfer fee. This is absolutely their fault and I should be refunded this money. They misled me and delayed the process to get 2 transfer fees. The fees were {$220.00} and {$230.00} respectively. The second balance transfer posted in 2 days but the first posted 15 days later? That makes no sense. Even if there was a delay in the first balance transfer process, they did not directly indicate this to the customer. They are telling me they absolutely can't refund a balance transfer fee even though this was their mistake. If they can't refund my balance transfer fee then they can certainly give me a credit for the same amount. I will not be a customer of Discover any longer, if they don't fix their mistake.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly a collection for {$8300.00} on SSA/OFFICE partial account number XXXX. ( Please see page 27 of the attached credit report. ) I was in a very serious automobile accident and I was on SSDI. I used their ticket to work program where you can work and not lose your benefits while you are transitioning back to work. This collection is being reported in error on my credit report and is not mine. This inaccurate reporting is harming my credit score. Please delete these line items from my credit report.
Complaint sub-issue: Not given enough info to verify debt

Enhanced Recovery located at XXXX XXXX XXXX, XXXX FL. XXXX states that a Debt from XXXX and XXXX XXXX. I never received any Debt Validation letter FDCPA XXXX - XXXX - XXXX XXXX, I did not receive any statement of the account/payment history/signed contract from the creditor. This debt is not owed. I would like to file a complaint against Enhanced Recovery as they have in error posted on XXXX, XXXX XXXX, and XXXX negative information that is not correct. In addition, I would like to request all negative reporting to be removed from credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXXn, and XXXX. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}. This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a US Soldier, and I am called to deploy at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on duty. I notified XXXX XXXX in writing before deploying that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from deployment that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
Complaint sub-issue: Information belongs to someone else

The XXXX XXXX stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX, and Equifax were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.
Complaint sub-issue: Information belongs to someone else

I opened my credit report and i got shocked, how this account popped on my credit. I never sign any agreements or contracts with this company, i don't have any documents from this company which proofs that its my account.
Complaint sub-issue: Problem during payment process

The credit card I am having trouble with is the Citi VISA card associated with COSTCO. For the past two months they have delayed processing my payment until the last day or as in this cycle did not process the payment at all. I pay my bills in full and mailed this cycles payment on XXXX XX/XX/2021. According to them it has not arrived. This is the only bill that has been a problem. Every time I talked to someone they blame the mail, saying some payments do not get processed for 20 or more days which always takes it to the past due point. Their only option is for me to sign up for direct payment, or give them my bank routing number over the phone. My concern is that they delay processing in order to get you to sign up for direct payment.
Complaint sub-issue: Account terms and changes

There are XXXX accounts in collection the problem is i never have had XXXX phone service nore have i ever applied for any type of credit with them.
Complaint sub-issue: Trouble with how payments are being handled

I have learned that loans are being taking out in my name my name is XXXX
Complaint sub-issue: Information belongs to someone else

***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC  LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )
Complaint sub-issue: Was not notified of investigation status or results

In XX/XX/2019, I received an opened letter from XXXX XXXX XXXX due to it being misdelivered to another adress and immediately sent them ( XXXX XXXX XXXX ) a debt validation letter. XXXX XXXX XXXX received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from XXXX XXXX XXXX via mail nor by phone and the negative entry remains on my credit files ( XXXX, Equifax and XXXX ). Due to XXXX XXXX XXXX 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.
Complaint sub-issue: Information is not mine

XXXX XXXX is showing up on my credit report. I have called them to please have them remove my name as authorized user, due to an authorized user can delete them selves at any time. XXXX XXXX is saying it 's my responsibility to contact the credit bureau and have it disputed. Per XXXX XXXX my name is not on the account number ( XXXX ) The last name on the account is XXXX and the first name is XXXX
Complaint sub-issue: Right to dispute notice not received

a collection appeared on my credit report, this company did not inform me before it was added or inform me of my right to dispute. when i called the company they could not find the account.