Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

I have been working with XXXX XXXX for the past 3 months trying to figure out why the loan I have with them has not been reporting on my credit as promised and included in the contract I signed with them it says so. This entire time I've had this loan since XXXX of last year it has not reported properly. Now -- this Wednesday is my last payment and every payment has been made on time and it's not on my credit! Before it was and the balance was high and not reporting payments made. This impacted me getting credit and that's why I asked them to fix it but they have NOT fixed it. I have reached out to the district manager -- -and even asked her if I could talk to corporate. NO one has called me back. I keep hearing it'll be on there in two weeks but still nothing.
Complaint sub-issue: Was not notified of investigation status or results

While checking report today, I saw that there was a derogatory condition for collections on my credit report and I started to get details from my bank and finally got to speak to the debt collector named I C SYSTEM INC. When I called them to inquire about the reporting condition, I was told that its a medical bill from my doctors visit on XX/XX/XXXX, I asked them if they tried calling me or send any mail. The lady over the phone was skeptical to give those details, she put call on hold 3-4 times and she stated that they sent a mail in XX/XX/XXXX, she initially mentioned that the mail got back to them. I have no recollection about the letter for collections being sent to my home address. 
The lady also told me after further investigation from her end that they tried calling me twice, but they did not leave any voicemails, everything seems sketchy to me. I feel that I am a victim of I C SYSTEM Inc 's negligence and lack of responsibility in collecting the right way and they just reported my credit stating I am not responding or paying the amount ( {$91.00} ). I have asked them to mail me the statement or charges from the doctors office, for which the lady said she doesnot have it and she has to request it. I dont understand how they can collect when they dont have details of collection. 

I have made the payment today to get out of the situation.
Complaint sub-issue: Information is not mine

I received notification that XXXX medical collection accounts had been added to my credit file. I investigated the collection accounts with the credit bureaus and the collection agencies and found out that a mistake had been made and another person with the same name had XXXX medical collection account and had been mistakenly added to my credit file. During this conflict, I was trying to close a mortgage loan and because of this mistake, my closing date has been delayed and I have incurred additional fees to try and clear this up.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Complaint sub-issue: Information belongs to someone else

My personal information was stolen unknow to my knowledge it was being used to take credit card debts and all other sorts of credits that went unpaid, and become collections that caused my credit rating to be driven down to the low and lower, not until i look check my credit to find why i was getting denied i realized the ongoing collection accounts. 
I am hoping doing this i can get some help to get my credit rating up.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Frustrating dispute resolution process over fraudulent charges with Citibank We have an XXXX XXXX Aadvantage Platinum Select Card with Citibank. Despite multiple calls to their Customer Service and providing the same information many times to them and their Security Operations team, we were not credited for multiple fraudulent pharmacy charges for a total amount of XXXX. Below is their text. They asked me how anyone could use my card, which was on my possession, on a chip-enabled card reader. I told them they should be the experts in cybersecurity, not me. I have, since that last call, closed my account and filed a police report. To add salt to injury, they charged me for interest on the disputed amounts after they had previously told me on the phone not to worry about the disputed charges and they sent me an email stating they had reduced my minimum payment for the month. 

" Throughout our investigation of your dispute, we found that your card, embedded with an XXXX chip, was used to make the below disputed transactions ( s ) at a chip enabled card reader. Since this card was in your possession at the time of the transaction ( s ), we don't consider this fraudulent activity and your account won't be credited for this transaction ( s ). '' Below are Sale Date - Amount - Vendor and distance from my house XX/XX/2019 - XXXX XXXX 18 miles from my house XX/XX/2019 - XXXX - XXXX 27 miles from my house XX/XX/2019 - XXXX XXXX 1.8 miles from my house XX/XX/2019 - XXXX XXXX 85 miles from my house
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX, Equifax, and XXXX  several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Prime Recovery LLC and XXXX XXXX and Attorney XXXX XXXX XXXX Phone : ( XXXX ) XXXX ( XXXX ) XXXX Address : Prime Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX Fl XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am requesting an escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of Prime Recovery LLC, XXXX XXXX, and Attorney XXXX XXXX XXXX. Currently I am being harassed by Prime Recovery LLC, owned by XXXX XXXX, with Attorney XXXX XXXX XXXX as a partner in committing unlawful debt collection practices. The letters they flood my home mailbox, the phone calls, and other correspondence they attack me, my family, and my roommates with forcefully attempt to collect on a debt held by their office and they tell me that they have filed multiple lawsuits against me in court even though I already have verified that they received the notices I mailed them containing cease and desist letters to each of their correspondence addresses. In addition to those notices, I also verified they received the separate letters advising that I am having to file a bankruptcy and Im getting together my filing fees. In order for his company ( XXXX XXXX and Prime Recovery LLC XXXX to fraudulently obtain a default judgement, they lie outright and deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. In the process of their profane and aggressive collection efforts before and after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to estranged family members and my roommates. Their actions have put an agonizing amount of stress on me and ruined my mental health state. I have also escalated a formal complaint to the Virginia State Attorney Generals office for investigation into the business dealings of both Prime Recovery LLC, and Attorney XXXX XXXX XXXX in my state. After consulting with a legal advocate attorney who is handling other complaints against Prime Recovery LLC, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence I have accrued that documents in full detail their continued aggressive harassment, their collection agents abuse and coercion using lawsuits against me, intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests even after receiving notice of my intent to file bankruptcy.
Complaint sub-issue: Problem lowering your monthly payments

I was working with a non profit organization company called "  Fedloanhelp '' t hrough www.fedloanhelp.org. This was done to help refinance my student loan payments to help reduce my monthly payments. Each month I was being reassured that my loan was being worked on and nothing was ever done. I was making payments off {$98.00} every month for 12 months for a total of  XXXX . Recently they said i would receive an entire refund on all of my payments due to them not being able to help me. I have reached out and for the past 3 months and requested a response and only received automated responses that they would refund me once they received more funding. Now their phone number is disconnected and their website is no longer on the internet.  <P/> The company was taking the payments automatically through my account number.
Complaint sub-issue: Can't stop withdrawals from your account

Fees from XXXX and XXXX keeps getting withdraw from my account without authoization. Have contacted XXXX and XXXX regarding unauthorized charges. Filed disputes with Bank of West multiple times. Contact Bank of West regarding overdraft fees that has been charged to account. Bank or merchant still havent credited my account causing my account to be negative and unable to pay bills or take care of dependent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted.
here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated.
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Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission.
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Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.
Complaint sub-issue: Didn't receive enough information to verify debt

This Debt collection company XXXX XXXX XXXX has called many times to collect a debt in the amount of {$370.00} They have also reported this debt to the credit bureaus lowering my credit score. XXXX XXXX XXXX is not licensed in the state of Michigan to collect debts.
Complaint sub-issue: Account information incorrect

I have fraudulent inquiries on my credit report that I didn't authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Investigation took more than 30 days

I am very distressed. I have sent this company a 609 letter back in XX/XX/XXXX and it has been well over 45 days. if this company can not validate these debt within 30 days then these accounts must be removed. there has been misleading information published on my credit report that I never gave Equifax written consent or authorization to procure or produce with my information. To my knowledge, according to 15 USC 1681a ( 2 ) due to the nature of this consumer report, it has defamed my character to lenders and held me back from getting my home and other things. There have been accounts disputed many times because of this violation and equifax sends me results stating the derogatory alleged debts are validated. To my knowledge according to 15 USC 1692G debt collectors are required by law to meet the 5 requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts. Remove these alleged debts in question immediately.
Complaint sub-issue: Information belongs to someone else

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Complaint sub-issue: Information belongs to someone else

I have been experiencing identity theft for the last year and a half. I have contacted the XXXX XXXX police department here in South Carolina and have submitted all documentation to all three credit bureau 's. Discharge on my credit as negative from XXXX Bank for over {$4000.00} is identity theft and fraud. My home was burglarized back in XXXX and they have everything for my birth certificate Social Security card credit cards checks from XXXX XXXX bank everything. They opened up bank accounts in my name credit cards to retain goods of a fraudulent nature. Changing in XXXX have been very understanding. XXXX has given me the hardest time, and look at me as if I 'm a criminal. I handed them a notearised police report as well as other documentation and they keep telling me that it 's my account after their investigation. However it is identity theft someone is pretending to be me I have freezes on all my credit reports and I 've submitted everything they needed to pull that off my credit but still they wo n't
Complaint sub-issue: Company closed your account

I'd like to file a complaint against Citibank for closing down my Savings account XXXX on XX/XX/2019 based upon an overdrawn status. The negative balance of {$59.00} were all service fees billed by the bank during the past two months due to XXXX balance in the account. 

When I opened the account with Citibank Online on XX/XX/2019, I did NOT believe the account was fully opened and therefore no initial deposit was made to the account. Because I had neither full access to online banking nor any mail correspondences from the bank I could not see the status of the account. However on the statement dated XX/XX/2019, I did notice two fees were billed to my account : {$25.00} Monthly Service Fee, and {$34.00} Overdraft Fee. This resulted in a negative balance of {$59.00} which had turned my account into overdrawn status. On XX/XX/2019, a letter arrived stating that my account was closed because of the negative balance and I am still responsible for paying the overdrawn amount or Citibank may take adverse action.
Complaint sub-issue: Problem with customer service

I requested 6 old statements of my Citi Card to view on line. After 6 days and no results, I called them. It took 4 hours, 2 line disconnections, and many departments to try to settle my problem. Asked to talk to a supervisor, and line was disconnected again. I stopped for the night, as it was XXXX XXXX. The next day I tried to call again. Could not get through the automated responses. After they said, I would be taken care of by the next representative, the phone went dead. This happened 3 times. I am very frustrated with Citi Card customer service. These statements ( more than 12 months old ) are important for an accounting report I am working on. Furthermore, Citi Card started emailing me my statements without my permission, as I used to receive them in the mail. This would never have happened if they mailed me my reports in the first place. Now I am at their mercy in having access to my account.
Complaint sub-issue: Problem using a debit or ATM card

Us bank has failed to respond to my transaction disputes I have submitted and ignored my disputes making my balance over drawn my accounts. US BANK also is failing to investigate properly My disputes. For example there's a transaction that was denied after merchant clearly stated I returned purchase same day. Which credit was promised by merchant and never received. Merchant sents documents of a returned transaction and us bank dies not see that informing me I received benefit which I did not. Also my account has several transactions which were made by someone without my permission and us bank ignores my disputes without even investigating. Also there's another merchant that denied giving me any information due to transaction. Being made by someone else besides me and us bank denied my disputed transactions. They took over 90 days to investigate one disputed transaction which is after the time permitted to finds its resolution.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2018, I received a letter from US Bank stating they investigated a late payment they reported on my credit report, but in the report they made a false statement stating they had a phone call recording in which I admitted the error was my fault and that they called me. US Bank in no way ever contacted me directly. Every time I had contact with them it was me calling to figure out the issue. I want a full investigation into this and I want all phone calls I ever made to be released because I feel I am being harassed by this company when all I want is for them to remove an unfair late payment from my account that they caused by not sending me notice my account was ever late. 

Refer back to complaint XXXX.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2017 - XX/XX/2017 I contacted and disputed with Equifax credit bureau sending them certified and notarized letters. Asking them to verify how this accounts belongs to me, and why are they reporting this inaccurate accounts on my credit report. They have yet to send me any information verifying the account.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 168 and they violated my rights numerous times. I demand these accounts listed below be removed because according to 15 USC 168 I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Company closed your account

I haven't been able to use my credit card during the Covid-19 pandemic. I found out today that Citi bank closed my account with no notice for non-use. I called and was told I had been informed but I never received the letter they claim they sent. My intent was to use the card for specific purchases made outside the home but since I've only been social distancing at home and the locations I want to use the card at are closed for the pandemic I haven't had an opportunity to use the card. Also, since Citi closed my account all my rewards points I had accumulated are gone. Citi says there's nothing they can do ... but they caused this to begin with.
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies XXXX XXXX  Equifax, XXXX XXXX  and the Creditors ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Apartments ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.