Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Deposits and withdrawals

On Saturday, XX/XX/XXXX, my father was unable to cash his check because the teller told him she wouldnt have enough money if more people wanted to cash checks on that day. My father was the first customer of the day and could not get all of the funds he requested. On Monday, XX/XX/XXXX I went into the bank to complete a transaction. The bank had signs up stating the maximum that they could give any person requesting money was {$500.00}. The banks rule States that we can withdraw {$5000.00} per month without any fees.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

Previously, I filed Complaint with CFPB COMPLAINT ID : XXXX. 
But I am not satisfied with an answer from EQUIFAX because it doesn't have proper answer rather just general information. If they don't have specific information then they should have asked rather than closed the complaint. They are asking to call or email on such and such contact but they never provide solution. You can hear recording of my previous call, how much hard time I faced during call to explain the concern person and he ended up by hung up my call. 

My problem is there is comment on my Equifax report stating " REMARK HAS BEEN ADDED TO YOUR XXXX  XXXX XXXX CREDIT CARD '', now I don't know where this remark came from even if my amounts are paid off. When I asked about this to XXXX  XXXX XXXX, they said just contact Credit Reporting Bureau, they have nothing to do on their side. Its credit reporting company who adding such remarks. So, I just want to know who will tell me the facts rather than playing ball passing game. 


Here is the Response from EQUIFAX for my Past Complaint : " '' '' '' Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. The results are below : Please be advised that there are hundreds of credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file may change, which may impact your credit score depending on the model. No score is part of the credit file and therefore can not be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Unfortunately, we are unable to proceed with an investigation of the concerns raised in Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at  www.myEquifax.com. At myEquifax, you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and other products. You may also contact us at XXXX to speak to a Customer Service Representative. '' '' ''
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX - XXXX - is reporting an erroneous account on my credit and showing a balance. I have disputed this several times with the bureaus and they claim it is valid and it OBVIOUSLY IS NOT! 
This debt was paid prior to even going to XXXX XXXX XXXX and it was sent to collection in error. Now they keep reporting and updating a BALANCE on my credit file even though their own note on the accounts shows SETTLED FOR LESS!!! 
So how can this be valid? it is a clear and obvious violation and it has just affected my financing. I lost a house because of this so I have notified my attorney to pursue legal action unless this is removed immediately.
Complaint sub-issue: Reporting company used your report improperly

My credit shows a car loan that is in repossession status. I previously spoke to XXXX explaining that the car wasnt mines and I was a victim of identity theft. I received a letter in the mail once the car was successfully recovered and the car was sold & the remaining balance was satisfied, As of XX/XX/2022. Ive be disputing this multiple times through XXXX XXXX  and Im not sure if thats the issue or what. Im unable to actually do anything for myself because somebody took advantage of my credit before I ever had a chance to and I still have no idea how! XXXX shows my SSN is on the dark web so Im not sure if thats how or what but this is completely ridiculous! I just want to be able to actually obtain something with my credit for myself and take advantage of credit so it can be used in the proper manner! I have a repossession and so many late payments its a crying shame for things Ive never had or seen a day in my life!
Complaint sub-issue: Account status incorrect

There is a balance of XXXX from XXXX XXXX ON MY XXXX MY EQUAFAX AND MY XXXX CREDIT REPORT WHICH WAS PUT ON MY CREDIT REPORT XX/XX/2018. THE AGREEMENT BETWEEN MYSELF AND XXXX WAS I WAS GOING TO PAY THE XXXX TO THEM ON XX/XX/2018. I CALLED XXXX ON THE PHONE AND TA ; LK TO A REPRESENTIVE AND I EXPLAIN THAT I DIDNT HAVE MY ACCOUNT NUMBER WHEN I MAIL MY CHECK OF XXXX TO THEM. I MAIL IT BY UNITED STATE POST OFFICE TO THE ADDRESS WHICH I SAW ON THERE WEBSITE WHICH WAS XXXX XXXX XXXX XXXX NEW JERSEY XXXX ON XX/XX/XXXX IN THE XXXX. ON XX/XX/XXXX I  RECEIVE ALERT FROM XXXX  THAT I HAVE A COLLECTION ON MY ACCOUNT. SO I WENT TO VIEW MY ACCOUNT I SEE A XXXX ACCOUNT WITH A BALANCE OF XXXX  PAST DUE IN COLLECTION. I CALLED XXXX THE NEXT DAY ABOUT IT AND THEY SAID THAT THEY DIDNT RECEIVE MY PAYMENT AS I EXPLAIN TO THEM I MAIL IN A CHECK TO THEM AND MY BANK HAS NOT CASH THE CHECK I ALSO EXPLAIN TO THEM THAT I HAVE NOT RECEIVE ANY EMAILS OR LETTERS FROM THEM CONCERNING THIS ACCOUNT WHICH THEY DIDNT CARE ABOUT IT. I EXPLAIN TO THEM THAT I CAN PAY THIS AGAIN SINCE I MADE PART OF PAYMENT EARLIER.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX pulled an unauthorized credit report for me. See below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please have this credit inquiry canceled, as it is fraudulent. 

Thank you
Complaint sub-issue: Account status incorrect

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
Complaint sub-issue: Sent card you never applied for

I applied for a Macy 's credit card in store at the register, and I was approve. However, days later, I received a letter stating that I was evaluated ( without my consent ) for a " Macy 's American  Express '' and was not approved. Macy 's without my consent used my information to evaluate my credit for a credit card for which I did not apply for ; creating negative inquiries to my credit score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Old information reappears or never goes away

This company is saying that I owe them, but they have not sent me any proof like a contract that I signed showing proof that I have an account with them, or that I owe them any money. 

I have repeatedly asked for evidence to support this debt and false reporting, but yet again, ( XXXX XXXX XXXX ) has failed to provide me with a copy of any viable evidence substantiating their claim, that I owe a debt or have any kind of account with them. 

I sent dispute letters dated XX/XX/2020 and XX/XX/2020 to XXXX XXXX XXXX and still have not received any responses or feedback. I do not have a debt with XXXX XXXX XXXX. This is inaccurate reporting on their behalf and fraudulent information. 

.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My credit card shows 2 charges from well know scammers, phone XXXX XXXX XXXX. Each charge was in the value of US {$52.00}. I want Citi Card to cancel these charges, but to do this, they want to cancel my card and issue a new one. I called their number, XXXX XXXX XXXX XXXX on the XXXX XX/XX/2022, XXXX AM. The problem is that changing one 's card involves changing tens of automatic pays, which is a nightmare. It is Citi Card 's fault if they allowed know scammers to charge my card, they should fix the problem without causing me headaches.
Complaint sub-issue: Fee problem

I opened a checking account this past summer at US Bank. The account was closed a few months after opening it by the branch manager, XXXX XXXX because labeled the account as a " fraud account. '' In addition to closing the account, he charged me {$19.00} for a stop payment check discounting the facts. The account was not compromised. Additionally, the account was not overdrawn. I went into the local branch on XX/XX/2018 to discuss the issue because Mr. XXXX agreed to contact me prior to determining whether or not, he was going to close the account ; however, he did not. Upon arrival, Mr. XXXX greeted my daughter and I in a hostile, brash manner. His tone was abrasive and condescending. His deameanor was cold and unwelcoming ; very unconcerning and judgmental. After speaking with Mr. XXXX and providing him with evidence that the payment that was stopped was not within my control and action was taken against the company that stopped payment, Mr. XXXX assured me that the {$19.00} would be refunded within a week. It has been one month and I have yet to receive my refund in addition to me not receiving the {$200.00} incentive for opening the account because Mr. XXXX elected to close it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed that there was an unauthorized hard inquires from DISCOVER FINANCIAL SERVI on XX/XX/2018 on my XXXX credit report that i did not make, i called XXXX to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  i get hard inquires things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX or discover financial is working together using my info TO OBTAIN CREDIT.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

checking annual credit reports. Equifax has a negative report ( of {$76.00} ) submitted by XXXX from XXXX. However, XXXX & XXXX do n't have this negative report. 
Went to website https : //www.ai.equifax.com to try to submit a dispute claim. However, the website *does not work*. ( using XXXX on a XXXX XXXX computer ) I 'm stuck & not sure what do to at this point.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit agencies erroneously reported the resolution to a credit dispute with XXXX XXXX. The financial institution screwed up with processing my final payment, the dealership where I bought the vehicle apologized for the error and paid to fix the problem, but the credit agencies still show my credit report with a " charge off. '' I requested an investigation from both Equifax and XXXX XXXX. Their " investigations '' were ridiculous. And my credit report still shows a " charge off '' rather than showing that XXXX XXXX screwed up.
Complaint sub-issue: Don't want a card provided by your employer or the government

Someone applied for unemployment benefits using my name and SSN and it appears they were successful in receiving funds. I have a full time job and have never requested unemployment. I received a U.S. Bank ReliaCard in the mail on XX/XX/XXXX that was never requested or signed up for ... I called the company multiple times to try and close the account but have not been able to get in contact with anyone after hours of being on hold. I need to report this fraud and close the account but it's impossible to get any assistance from U.S. Bank ReliaCard.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

XX/XX/2023. Upgrade Credit Card. I requested financial hardship. The issue is that I need to miss a payment or after the due date to call in. I don't think it is right for a customer to miss a payment in order to move forward into the financial hardship program. Below I have attached the CHAT Transcript with the customer service representative.
Complaint sub-issue: Debt was paid

In XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now in XXXX of XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of ERC ( enhanced recovery collections ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XXXX XXXX XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently in my mid XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.
Complaint sub-issue: Their investigation did not fix an error on your report

I opened an account with XXXX now also known as XXXX XXXX XXXX back in XX/XX/XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.
Complaint sub-issue: Don't agree with fees charged

I attended XXXX XXXX XXXX, XXXX. I completed the work however due to lack of help from teachers I do not feel like I have enough knowledge to use my degree for a better job. Of the jobs that I have found, I am not considered due to the fact the XXXX XXXX has a bad reputation and my degree is basically worthless. As far the lending services which was Genesis Lending Services, they made me pay while attending school. The private loan was not needed for me to attend school, as i found out later that the school had taken out more in federal loans than what was needed. The private loan company also knew that the school was doing this and went along beside them. This loan was not needed and I feel that I should not have to pay them anymore and should receive my money back. Seeing as I have 36,000 + in federal for a two year degree because of the school already. Since, all of this has become knowledge I have contacted Genesis Lending Services and they will not give me any information that I will be forgiven or the option to stop paying. Now, I only had XXXX forbearance left that I still have to pay {$60.00} for 6 months and then {$120.00} and then {$210.00} which is getting rough considering I still do not have a job in the XXXX and still working as a XXXX making small money.
Complaint sub-issue: Information belongs to someone else

To whom it may consern : This is my second written request for your company to remove items showing on my credit report and you keep ignoring my request to block such information, onder FCRA your company has to provide verifiable proof of this item or remove them from my credit, There is a public record that do not belong to my, it should be remove as well as any account link to it .As victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint. 
This complaint may serve as a proof in a court of law, as a written request to remove this items.
Complaint sub-issue: Debt was paid

Company is reporting an unverified account to the cras as a charged off with a payment status of past due {$230.00} which is illegal. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Complaint sub-issue: Personal information

I am writing to report problems with the customer service provided by Equifax, which interfere with access to credit records. 

I was recently informed by XXXX, XXXX that information including my name, DOB, SSN, home address, email address, and employment information have been compromised by their system. On XXXX/XXXX/15 I mailed a certified letter to Equifax, confirming a fraud alert that I had placed by phone and additionally requesting a security freeze. My letter included a XXXX form and a utility bill that show my SSN ( on the XXXX ) and my current address ( on both documents ), as required. On XXXX XXXX I received a letter dated XXXX XXXX confirming the security freeze and indicating a personal identification number ( PIN ). That letter was correctly mailed to my correct address. 

Subsequently I received a letter from Equifax, dated XXXX/XXXX/15, confirming a change of address. The indicated address was essentially the same as my current address ( which has not changed this year ), with the exceptions of a spelling error in the street name and the city designation associated with the zip code. Although the indicated address was close enough to the correct address for the letter to reach my home, the errors would cause problems with identification questions in any future on-line transactions. The confirmation letter indicated : '' If you dispute or have questions regarding this address change ... please contact us atXXXX ... please have available the XXXX personal identification number ( PIN ) that we provided to you when the security freeze was first placed on your credit file. " On XXXX/XXXX/15 I phoned the indicated number, and spent about XXXX minutes speaking with an agent ( " XXXX '' ), a supervisor ( " XXXX '' ), and waiting on hold, but I was not able to get the address corrected. The specific problems I encountered are detailed in an Word document to be attached.