Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

PNC apparently bought my free checking account from my previous bank around XX/XX/2021 ( I've never wanted a PNC checking account ). PNC has been charging me account maintenance fees so I want to close my PNC account. On XXXX I visited their branch in person in XXXX CA, and a PNC banker looked at my account and said I couldn't close it in person and needed to call them. On XXXX I called and asked them to close the account. They said I couldn't close it over the phone because I owed them a {$4.00} account maintenance fee which I can only pay by visiting a branch in person ( because I don't have a debit card ). I'm tired of being sent back and forth between in person and phone, and want them to close the account and forgive the account maintenance fee.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX and XXXX are failing to report that the following account is in fact In Dispute. XXXX XXXX   XXXX  partial account number XXXX. XXXX and XXXX are failing to report XXXX partial account number XXXX is in fact In Dispute. XXXX is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Complaint sub-issue: Didn't receive notice of right to dispute

On XXXX of 2018 I received a alert through a credit monitoring system that a collection account from Hunter WarfieldCollection was placed on my credit in the amount of {$12000.00}. Prior to this alert I had never heard of this company or have done business with them. Furthermore, I had never received any letters, phone calls or any form of a collection notice from them nor am I unaware or it's affiliate listed. I disputed the debt with the three major credit bureaus : XXXX, XXXX and XXXX and have sent a letter directly to XXXX asking for the debt to be validated. 

Hunter Warfield, failed to respond to my request for validation with two written attempts but instead chose to have the account closed with the three major credit bureaus stating paid in full. The same day they re-opened the exact same account showing a new balance of {$12000.00} exactly {$1.00} more and still has not responded to any of my attempts to validate this debt and completely remove this item off of my credit reports ( XXXX, XXXX, and XXXX ) as this violates my rights as a consumer under the FCRA 15 U.S.C. & 1681 g & I have a right to be notified of a debt they say I owe. 

I am left with no other choice as a consumer submit this complaint in hopes of a quick resolution to permanently remove these items off of my credit reports
Complaint sub-issue: Credit inquiries on your report that you don't recognize

my information was used for fraudulent activity for the purpose of loans witch i never authorized.Or have knowledge
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX/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
Complaint sub-issue: Trouble with how payments are being handled

Nelnet accepted my payment online for {$200.00} through my checking account which is also my credit card its the same account then they refunded the money. I was on a low payment plan because I was laid off but that was set to expire which means my payments would go up to {$600.00} a month I cant afford that. Meanwhile I am gaining interest of around {$500.00} a month I owe {$65000.00}. Upon graduation XXXX said I owe them XXXX more dollars and never gave me my XXXX degree I have no transcripts and no degree and the school has closed. I cant get a job because Im a XXXX I shouldve never been approved for the program in the first place. I am driving a truck and have been since XX/XX/2014 when I graduated.
Complaint sub-issue: Information belongs to someone else

On all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies have not remove these items.
Complaint sub-issue: Received bad information about your loan

Prior to being transferred to MOHELA, XXXX was preparing my loans for discharge because I had met the requirements for PSLF. Not that my loans have been transferred, I was told by MOHELA that there is no record of my PSLF forgiveness.
Complaint sub-issue: Public record information inaccurate

My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit
Complaint sub-issue: Problem with fees

On XX/XX/2019, I was charged my normal fee for a subscription to XXXX that I had forgotten about. I no longer had a physical Citibank Credit Card so forgot that I had anything charging to it. When I realized that it was charged, I made the payment with the late fee. I also used my cash back rewards to clear the card. I've emailed, chatted online and called into Citibank to request that a {$39.00} late fee be removed. The fee was understood to be waived ; however, wasn't waived. There is now a balance of {$100.00} which are fees charged on top of fees. They won't waive the fee as previously agreed and feel that I'm being taken advantage of by being charged fees on top of fees without any goods or services being offered.
Complaint sub-issue: Information is not mine

I would like to dispute a XXXX located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/2011. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT.WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Carmax Auto Finance made me purchase insurance separately.
Complaint sub-issue: Debt resulted from identity theft

In XXXX, persons unknown to me used my personal information to get store credit cards and charge merchandise. I have been trying since then to get Macy 's Fraud Investigation department to complete the investigation. ( The six month delay in clearing my name is a separate issue ). In the meanwhile, they sold the debt to Citibank collections XXXX XXXX ) which robo-calls my cell phone at least five times a day. I have told the Fraud Department multiple times and they promise to stop the calls, but they continue. I have complained to the bill collectors and they say that they have n't been told to stop calling me by Macy 's.
Complaint sub-issue: Account information incorrect

I have contacted equifax XXXX XXXX and XXXX about my XXXX XXXX card no one is helping get it removed I disputing the item several time.. XXXX used my tax return back in 2017 to collect the debt amount it has been over 7 years every time I dispute the item it just says verified I have sent letters and asked how it was verified.. XXXX is not responding to my email or are they reporting to the credit bureous all I get is you have to call XXXX which I did. I am requesting the XXXX XXXX card to be removed from my credit report immediately if no one can provide me information I have been requesting for
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX XXXX years later! There are no late payments or fees involved and clearly this is erroneous.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them. I also didn't authorize these credit pulls.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, XXXX and equifax is reporting inaccurate and inconsistent on my credit report. I have disputed these items several times due to the inaccuracies on my credit report. XXXX XXXX, XXXX and Equifax Re-aged the date of last activity. Under FCRA section 605 ( C ) running of the period it is a violation to re-age the date of last activity
Complaint sub-issue: Investigation took more than 30 days

This compliant is being filed in response to complaint # XXXX XXXX, XXXX, and XXXX. Each other the companies in this complaint has violated the 30-45 day investigation results rule. They responded on XX/XX/2021 that they needed more information such as full name, and full SSN. I provided them with both, redoing my first dispute letter to include my full name and SSN. I have not received an answer to the date of me sending out the new dispute letter. I Feel like I am being played all 3 bureaus are committing fraud against me, and giving me the run around now that i have caught it. If the problem isn't fix this I will have to take legal action, as is my right.
Complaint sub-issue: Contacted your employer

XX/XX/XXXX. My supervisor sent me an email with a voicemail from a legal team from a private #. They called my employer and left a vm for them to call regarding my legal issues, which I have the forwarded email from my employers with the voice mail. When calling XXXX, the phone rung multiple times no introduction when answered but requested me to tell them about me with a reference #. Never let me know I was on a recorded line- asked me about my last 4 of my social which I said " mmmmm okay to. '' I said 17 year old debt for {$2000.00} in question. Never sent me any mail about this for over 10 years. Debt was for voluntary repo which was resold and written off in XXXX. Did not state whom they were until asked. I hung up and gathered my thoughts due to all of the scams going on and my phone being hacked recently. Called back to confirm their info and the 2cd caller did not introduce himself, was silent upon answering and I stated I was going to report and file a complaint, yelled at me to look out for a summons miltiple times. Kept asking for my # then reverse look up on the call. Stated debt from XXXX did not state debt was time barred past statue of limitatioms. I know my consumer rights to which they violated on 2 counts. XXXX XXXX in California.
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX OF XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX FIN XXXX Balance Owed : {$680.00} XXXX FIN XXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$52.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CAR XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AA/CBNA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT. PLEASE INVESTIGATE AND HAVE THOSE REMOVED IMMEDIATELY. I AM DISTRESSED BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION.
Complaint sub-issue: Information belongs to someone else

Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that XXXX XXXX have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.
Complaint sub-issue: Reporting company used your report improperly

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

I have a loan with FLAGSHIP CRD, XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FLAGSHIP CRD, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Public record information inaccurate

XXXX and Equifax are reporting a chapter XXXX bankruptcy but XXXX is showing a XX/XX/XXXX discharge and Equifax is showing a XX/XX/XXXX filing. Neither is accurate. I dont have a discharge or a filed open bankruptcy. I went to the court and saw this information is not true. The clerk of the court said they do not give that info to the agencies either. Both companies said the saw on XXXX XXXX. I complained to XXXX XXXX, they changed it and recommended I freeze my file. I did last year. Both agencies have not removed. I even sent a copy of my XXXX file to them showing it is not on there. They are still quoting the XXXX XXXX file, I have demanded they forwarded me a copy of that report, they have not
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt resulted from identity theft

It was told I have this phone account and I have never had XXXX services and I have had another provider for over 15 years.
Complaint sub-issue: Information belongs to someone else

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT
Complaint sub-issue: Investigation took more than 30 days

I have submitted my letters over 30 days ago the company fails to respond and is violation according to 15 USC 1692. I did not give them written consent to report these inaccuraries on my credit report. This company have fail to acknowledge that it is in violation. I have attached my letter and proof that I sent letter XXXX XXXX XXXX XXXX. Also my XXXX & XXXX.
Complaint sub-issue: Don't agree with the fees charged

I believe I was a victim of predatory loaning. I was given loans of over {$20000.00} while homeless with absolutely no way to pay them back and was not given proper counseling. There was no system in place to decide if I was a proper candidate to recieve loans and in all other situations where lenders are in involved it would be impossible for a person with zero income that was also homeless with very poor credit to recieve such massive loans. I believe these practices are predatory and should be illegal. I do not know how to continue with this complaint or whobto contact.
Complaint sub-issue: Sent card you never applied for

Around XX/XX/2013, I was sent a XXXX XXXX Citicard I had not requested. When I activated my replacement Citi XXXX, the XXXX XXXX card was automatically activated too. I contacted customer service to close it and was informed that I couldnt close it without closing the XXXX too. Recently, Citicard closed the XXXX XXXX account without notice or explanation after refusing to for over 7 years
Complaint sub-issue: Account status incorrect

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

reporting two fraud credit accounts that has been on my report.
Complaint sub-issue: Public record

Equifax is reporting incorrect information this not my account XXXX CASE NUMBER : XXXX XXXX XXXX XXXX have fail to validate this account and so have Equifax at my request.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

They are constantly locking my prepaid card claiming its fraud then putting a person on the line that doesn't speak English
Complaint sub-issue: Their investigation did not fix an error on your report

I have already sent XXXX requests but the accounts listed below are still reporting on my credit report and are violating XXXX XXXX. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX {$230.00}