Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

In XX/XX/XXXX, I was notified of a {$900.00} unpaid balance of medical collections. I immediately contacted the provider, as it should have been covered by insurance. They informed me that they had billed the insurance wrong, and would reprocess the claim. It was then approved through XXXX and a check was sent to me directly for {$700.00} to pay the collection agency, with a remaining balance of {$200.00} to be paid by my secondary insurance, XXXX. I believed the bill to be paid and never received any further notice. In XXXX of XXXX, I reviewed my credit file and saw the collections account was still there with a {$200.00} balance. I contacted AmeriFinancial Solutions LLC and they directed me to the provider, XXXX XXXX XXXX or XXXX West Virginia. I then contacted them and they told me that they never did bill XXXX and refused to bill for the amount since the hospital had been taken over by new owners. I immediately paid off the remaining balance, even though it should have been covered. I again contact AmeriFinancial Solutions LLC to remove the debt on my credit report and they refused. 

This should not be affecting me, as it was a business error by the provider, who made errors in billing. When I finally found out the issue, I immediately paid off the balance. Additionally, in the lapse of two years, they never once attempted to contact me to resolve the issue. Please help me in getting this debt collection removed from my XXXX, XXXX, and XXXX credit reports.
Complaint sub-issue: Problem getting report or credit score

Equifax 's online credit report disputing service does not work ( www.investigate.equifax.com ). If you try to use it, it just runs you in circles between XXXX web pages. Credit reports are supposed to be accessible and the ability to dispute inaccuracies are supposed to be easy and available. This needs to be fixed immediately.
Complaint sub-issue: Didn't receive services that were advertised

I do not own an LL Bean credit card nor have I ever. It's reporting that I do and my report went down two points.. I have fraud alerts and freezes on my credit due to occurrences like this. I have not ever been an LL BEAN MASTERCARD HOLDER. Not now or in the past. Calling the creditor using the number given on my report just now, they also couldn't find an account with my social security number and therefore couldn't/would n't address it. Please do rectify this mistake correct my credit report score and it showing I have ever had an account with them.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Billing dispute for services

My issue is with the XXXX  Credit Reporting Agency. 

I am able to have a cursory glance of my credit file ( FOR FREE ) any time whenever and however many times I want ... keyword being cursory with XXXX   and XXXX  as long as I can remember. However, XXXX  requires we give out our detailed confidential information to one of their outsourced customer service reps and THEN ( if they understand you correctly ), they'll search for the item in question ... again ... assuming they understood who or what you're talking about.

Not only is this superfluous, but a COMPLETE waste of time!! I could have seen whatever there was ( cursory-wise ) and filed a dispute if I needed to..like both XXXX  and XXXX  allow. XXXX does not allow a consumer to view their file to verify information filed on their credit report ; to have this 'option ' as one of their customer service reps stated, I would either have to BUY one of two monthly memberships, one for XXXX or $ XXXX {$29.00} ( something to that effect. ) I should be able to see if there is a discrepancy in my credit file without having to ask some complete STRANGER to tell me if they see something or to have to buy a membership to view items filed on my credit report ... this is ridiculous!!

Not only is there too much margin here for error, but you could also be the lucky recipient of someone with an attitude ... or better yet, the consumer has gotten an attitude after being transferred multiple times or is in automation XXXX going from one department to the next trying to get information on their file.

Also, while I am at it ... I have multiple student loans all being handled via Nelnet reflecting as multiple accounts on my file. Is that effing necessary to have it reflect as so?!? Why can't it be reported as 1 combined student loan for Unsub loans and 1 combined loan for Sub loans? I am about to go into my XXXXXXXX  program and I will be using even more loans in the process, and as such, even more accounts reflecting in my credit file ; I feel the number of accounts impacts my FICO score negatively. I feel as though the system is rigged to keep people from qualifying for a decent home unless they're earning 6-figures.

All I am trying to do is find a decent and SAFE home to live where I can move my mother ( who lives alone in god-forsaken XXXX Texas ) in with me.
Complaint sub-issue: Debt was result of identity theft

I had a pre-approval for a home loan through the GA XXXX XXXX but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify. the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GAXXXX XXXX for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 
XX/XX/2020
Complaint sub-issue: Information belongs to someone else

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX  XXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX  XXXX {$1000.00}
Complaint sub-issue: Old information reappears or never goes away

In XXXX, I reported the accounts below as being opened as a result of identity theft. The accounts were then blocked/removed from the report and the fraudulent address associated with them was also blocked/removed. I recently noticed the accounts and the address has re-appeared and without any notification that it is was going to re-report. These accounts are a result of identity theft and I never opened them. I have tried to resolve with the bureau but with no response at all. They continue to report this information after initially removing/blocking it after receiving the identity theft packet in XXXX, and now re-reporting it in XXXX of XXXX,, and refusing to respond to my dispute regarding these accounts. The bureau is also reporting that I filed for bankruptcy when I have not filed. Then removing it and re-reporting that I filed a day later. 

Chapter XXXX Bankruptcy XXXX XXXX - Account Closed XXXX XXXX - {$18000.00} Due XXXXXXXX XXXX -Account Closed XXXX XXXX XXXX XXXX {$300.00} Due Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Didn't receive terms that were advertised

I received a promotion in the mail from Citi in or around XX/XX/XXXX. The offer states, " you can earn {$400.00} with a {$15000.00} qualifying deposit '' with additional terms including " {$15000.00} must be maintained for 60 consecutive calendar days following the date of the qualifying deposit '' and " The cash bonus will be credited to your new Eligible Checking Account within 90 calendar days from the date you complete all required activities. '' On XX/XX/XXXX, I went to the Citi Bank branch at XXXX XXXX XXXX XXXX, Washington, DC XXXX with the explicit intention to speak with an informed banker and to be made fully-aware of all " required activities '' and/or additional fine print. I spoke with XXXX ( or XXXX ) XXXX after asking to speak with an appropriate person. I opened a regular checking and savings accounts and made a {$15000.00} deposit in the checking account. I directly told XXXX XXXX that I would be following up with him as this was simply my trial of a notorious bank that is often receiving fines for banking violations. This was my test run to see how honest or dishonest was the bank as well as how responsible or irresponsible were the employees. 
On XX/XX/XXXX, I contacted XXXXXXXX XXXX via email and telephone. Over the phone, I inquired about my checking account and specifically the {$400.00} cash bonus. XXXX informed me that process required 90 day and that the credit would appear in my account in the next billing cycle, around the beginning of XXXX. This was initially alarming to me since the promotion said " within 90 days '' and I had directly and explicitly asked XXXX XXXX about the exact timeline before opening the account and depositing the appropriate amount. These were the initial indications of elusive behavior, evading responsibility for inaccurate information, and denial of generating a misunderstanding. Another concern was the necessity to give advance notice to requesting my account be closed. 
On XX/XX/XXXX, I contacted the Citi Bank branch at XXXX XXXX XXXX XXXX, Washington, DC XXXX to arrange my account to be closed. When I ask about my checking account, it was made aware to me that the {$400.00} had not been credited to my account. My intention was to close the account with the assumption that the promotion had been honored. I contact XXXX XXXX at the Citi Bank branch at XXXX XXXX XXXX XXXX, Washington, DC XXXX, yet I once again heard a repeat of elusiveness, evasion of responsibility, and flat denial of any fault. I gave XXXX XXXX another chance to resolve this issue, but was also provided his managers information in the event that this issue is not promptly resolved. XXXX XXXX  claims that he is not the bad apple and not at any fault, which inclines me to believe that this practice of deceptive promotions is systemic. 
I spoke again with XXXX XXXX on XX/XX/XXXX after receiving a voicemail the previous day. XXXX has claimed to have escalated the issue to his manager, but I am suspect since he uses the terms " manager '' and " covering manager '' while avoiding any blame or responsibility for his own actions.
Complaint sub-issue: No notice of investigation status/result

There is a acoount reporting twice on my credit contacted equifax to remove XXXX since its also being reported by XXXX. Was never removed
Complaint sub-issue: Their investigation did not fix an error on your report

After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.
Complaint sub-issue: Debt was paid

Account was paid in full, and the company admitted thru a previous complaint it was paid, and the account would be closed and removed, yet it's still listed as open, with XXXX balance, as a derogatory remark on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

Im filing this complaint due to XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX failure to refrain from reporting information pertaining to my XXXX XXXX XXXX XXXX account. I demand they immediately delete the late payment verbiage from my consumer reports. I never authorized transactional history nor experiences to be reported. I am in severe financial distress and can not obtain access to capital because of this unauthorized reporting. I have been denied credit on every application I submitted because of these reporting tactics.
Complaint sub-issue: Their investigation did not fix an error on your report

The following 8 POSITIVE Authorized User ( XXXX ) Tradelines have been ILLEGALLY removed, deleted, or suppressed from my Equifax Credit File : ( XXXX ) ( Account # XXXX ) ( Limit {$1200.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$2000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX XXXX  ( Account # XXXX ) ( Limit {$5000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX 'S ) ( Account # XXXX ) ( Limit {$13000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX 'S ) ( Account # XXXX ) ( Limit {$1500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account XXXX ) ( LIMIT {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED These XXXX positive credit lines are currently REPORTED ON XXXX and XXXX XXXX but have been ILLEGALLY REMOVED from my Equifax Credit Report XXXX These / positive XXXX XXXX SHOULD BE REPORTING on Equifax, as the Creditors told me that they ARE STILL REPORTING THE POSITIVE INFORMATION TO EQUIFAX NOW. Equifax is apparently attempting to ILLEGALLY SUPPRESS my Positive Credit History. This type of suppression or deletion of my positive Credit History has been occurring from Equifax for more than 3 YEARS. Please REPORT THESE ITEMS ON MY EQUIFAX CREDIT REPORT. Thank you, XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I submitted information to update my REPAYE with Fedloan in XXXX of XXXX for the XXXX year. XXXX took months to complete the review and during that time my account was put in forbearance and interest accrued significantly ( nearly $ 6k ). My income has drastically decreased from the XXXX to XXXX  year ( I am currently starting a business and have no income ) and my payments actually went up from the previous year. I called every week to check in on the status of my account and was assured that there was nothing I could do to speed up the process/have the interest taken care of. Long story short, my student loan has increased $ XXXX in interest due to the extremely slow paperwork review process at Fedloan. I consolidated with this company in XXXX and my loan has actually increased by nearly $ 25k ( to $ XXXX ) since that time. I have pleaded and pleaded with this company to help me have the loan decreased or forgiven but have received absolutely no help from them in this regard, besides being advised to be put in a repayment program where the interest keeps accruing despite my on time payments. In this situation, I will never get on top of the loan and it will continue to increase despite on time payments.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I responded to a free offer from BestBuy for a free consultation to get better wifi in my home. They charged me {$99.00} from my credit card for the appointment to make sure i would be there. The day of the appointment I received a call and a gentleman that wanted to know exactly what kind of wifi hookup I wanted. I told him I didn't want a hookup I wanted a better signal. He shows up ; we had a brief consultation, He exited and told me that I should not be charged for the visit but if it goes through he could get the {$99.00} removed if I purchased the one year contract for installation of an echo systerm. Once back at the store he informs me that they do not have it in stock. There are two websites up at present time that BestBuy is running promos on that are false and misleading. The one I responded to is for a free consultation the other is 1C. Neither is free if they don't take the deposite down and you get hooked into paying what was offered for free. Its on the same principal as TXXXX  Find anyone for free until you get a bill for a subscription service. Totally bogus and this store should be prosecuted.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

My XXXX XXXX ( Comerica Bank ) card was debited for {$900.00} twice on XXXX-19. Both charges were paid to XXXX XXXX in South Carolina. I live in Michigan and did not make or authorize my card for these transactions and have never had a XXXX account or used my card in South Carolina. My card was still with me in Michigan when this fraud occurred. When I tried to report this fraud at the phone number on the back of the card I was only able to reach a recording telling me to try again later! It took dozens of calls and several hours to finally be able to get through to have the card cancelled. I reported the two fraudulent amounts totaling {$1800.00} but only received one temporary credit to my account for {$900.00} on XXXX-19. However, that temporary credit was reversed on XXXX-19 at about XXXX hours without any notice or explanation and just before the next direct deposit to my account on XXXX-19. XXXX XXXX did return {$890.00} on XXXX-19. I was also charged a fee of {$1.00} for transferring the balance of my account on XXXX-19 to prevent any further fraud when I was unable to contact XXXX XXXX to cancel the card. They also charged me {$15.00} to expedite the replacement card even though I told them on the phone I would not pay for expedited shipping! It has been 35 days since the fraud was reported and XXXX XXXX still has not given me back the {$930.00} in fraudulent charges plus fees they still owe me. It is almost impossible to communicate with them because they do not return calls or emails! The Federal Government should cancel the contract they have with this company and prosecute them to the full extent of the law for violating Federal laws. They are taking advantage of Veterans, XXXX and elderly clients who can least afford this grief and aggravation. To abuse the most vulnerable in our society in this way is a disgrace and morally reprehensible.
Complaint sub-issue: Information belongs to someone else

This is a new collection account ( see attached ) that popped up when my mortgage lender was finalizing documents for my home purchase. My father and I share the same name ( Jr/Sr ). Both of us have spent countless hours on the phone with both IC Systems and XXXX XXXX XXXX attempting to get this resolved. Both places just point the finger at the other. This is NOT my debt. It is possibly my father 's, but IC Systems has been unable or unwilling to provide documentation of what this account is linked to. 
I have disputed this with XXXX and all 3 credit bureaus. I have filed complaints with both XXXX  and the Department of Justice. 
I do not have 30 days to wait for this dispute to get resolved via the normal pathway. In May, I started the process of having a home constructed. That home is now done and it is supposed to close in 10 days. This collection account has TANKED my credit score and I am no longer eligible for the mortgage loan. We are talking tens of THOUSANDS of dollars of loss because of a fraudulent/erroneous account. 
IC Systems is aware this is not my debt, but refuses to remove the collection or actually attribute it to the correct person.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX {$73.00} CERTIFIED CREDIT REP Inquired on XX/XX/2021 2021
Complaint sub-issue: Problem with personal statement of dispute

I recently filed a complaint against Bloomingdales dsnb regarding payment false representations in their reporting to credit bureaus.

In statements provided to CFPB, Bloomingdales used an old address from XXXX for XXXX -XXXX  billing statement. Even though Bloomingdales was aware and had my mailing address. I recently received mail from Bloomingdales regarding this debt in XXXX at my mailing address. 
After filing my complaint, Bloomingdales intentionally misrepresented and fraudulently updated the payment status on my credit report on XX/XX/XXXX to reflect bad debt, placed for collection & SKIP. 
Thereby falsely misrepresenting that I am missing. Bloomingdales has my address and sent mail to me addressed in XX/XX/XXXX and received XX/XX/XXXX. 
All this in an attempt to suppress my complaint and statements regarding Bloomingdales falsehood and several misrepresentations in my original complaint
Complaint sub-issue: Information belongs to someone else

victim of id theft these are the accounts that are not mine XXXX XXXX balance XXXX opened XXXX, XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX/XXXX XXXX balance XXXX opened XXXX XXXX XXXX XXXX  XXXX  balance XXXX opened XXXX XXXX XXXX XXXX XXXX  XXXX balance XXXX opened XXXX XXXX XXXX XXXX a balance XXXX opened XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX  XXXX {$0.00} XXXX   XXXX {$850.00} XXXX  XXXX {$800.00} XXXX   XXXX {$460.00} XXXX XXXX {$720.00}
Complaint sub-issue: Was not notified of investigation status or results

i have accounts that need to be validated