Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.
Complaint sub-issue: Other problem getting your report or credit score

For the last 1 1/2 years no bank or credit union can pull my Equifax report, generally, when I call or attempt to dispute anything on my report it contains my wife 's name and or the creditors who try to pull it simply find a missing/blank report. 

Have been calling several times per week trying to resolve this, they claim nothing is wrong which I disagree as it 's impossible for every bank/creditor in the country to have the same issue.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Macys had a glitch in there system on XX/XX/2019 and charged my card for an order I never placed. Called them several times even went to store and sat with store manager proving that item was never purchased. My credit card is {$340.00} over the limit now. They told me if would take 2 months to fix problem. I have spent days trying to resolve the problem. Macys credit does not care. I got notification my credit score went down 30 points for being over my limit. Macys needs to resolve this problem. There unwillingness to repair the damage they have done to me is distresssing.
Complaint sub-issue: Information belongs to someone else

After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the Equifax Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.
Complaint sub-issue: Problem with customer service

I have submitted documents to apply for an income-driven repayment plan 4 times.   The company keeps replying they ca n't read the documents I sent  ( they were scanned and sent in two different formats. ) The last time I submitted paperwork they replied Asking for a document I already submitted. They keep delaying my application in order to add more interest to my debt. All the documentation was properly submitted, and I have the emails to prove it. Nelnet is maliciously delaying the process.
Complaint sub-issue: Information is not mine

This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Result : XXXX 
Dispute Reason XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX COM XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} Remarks XXXX See something wrong? 
You could dispute an error with Equifax. 
Manage Your Collections Accounts
Complaint sub-issue: Unable to open an account

On Monday, XX/XX/2022, I walked into Citibank located at XXXX XXXX XXXX, XXXX, CA XXXX and inquired about opening a Non Interest Bearing Trust Account for my XXXX XXXX XXXX. I spoke to XXXX XXXX who explained that they do have these types of accounts and that he needed my Certificate of Trust and the XXXX number for the XXXX XXXX XXXX to send to the legal department ahead of time so they could review it since it takes a few days. I provided XXXX XXXX my recorded Certificate of Trust and the assigned XXXX number for my XXXX XXXX XXXX from the Internal Revenue Service so he could make copies. I then scheduled an appointment to return to open the account on Monday, XX/XX/2022 at XXXXXXXX XXXX. 

On Monday, XX/XX/2022 at XXXX XXXX I arrived at Citibank and sat down to meet with XXXX XXXX to open the account. XXXX XXXX asked me to provide him with the notary jurat page of my Certificate of Trust as he stated the back office said they needed it and had not received it the week prior. I provided this to XXXX XXXX and we chatted as he began to set up the account on his computer. XXXX XXXX asked many questions regarding the account and asked was I interested in other products and services and that he just needed me to provide my social security number to unlock additional benefits, I declined. 

After being in the bank for approximately XXXX minutes XXXX XXXX paused and stated that he would not be able to open the trust account without having my social security number, I refused and stated I should be able to open this trust account with the XXXX number for my XXXX XXXX XXXX  XXXX XXXX stated that it was bank policy and I asked to be provided with a hard copy of said policy that stipulated this. XXXX XXXX said he did not have a hard copy and turned his computer towards me so I could see some verbiage that he claimed was internal to the bank and that my social security number was required to open the trust account. 

I asked for a copy of what he had on the screen and he said he could not give me a copy. After a few moments I stated that I would give him my social security number so he could open the trust account provided he sign Form XXXX XXXX No. XXXX that way he could collect the $ XXXX FDIC Insurance and I could open my trust account while limiting access to my social security number. XXXX XXXX said he refused to sign Form XXXX XXXX XXXX. XXXX. 

I then asked to speak with the Branch Manager and he stated that he was the Branch Manager. I asked to speak with his supervisor and he wrote the name XXXX XXXX on the back of his card with the number XXXX. 

I went to Citibank to build a relationship since I had never had an account with the financial institution ; therefore, they did not have access to my social security number as the guarantor of any accounts opened. They now have my trust information, XXXX XXXX, my source data and still denied me opening the Non Interest Bearing Trust Account for my XXXX XXXX XXXX.
Complaint sub-issue: Account status

I do not believe the number and catagories are correct XXXX - Serious delinquency, and derogatory public record or collection filed, all my bills are paid on a automatic payment plan XXXX - Number of accounts with delinquency, I do n't have XXXX accounts XXXX - Lack of recent revolving account information XXXX - Too many consumers finance company accounts
Complaint sub-issue: Their investigation did not fix an error on your report

LexisNexis is reporting a public record that allegedly belongs to me. When I requested my file, I noticed the the reference number was tied to a social security number that was not mine. I asked LexisNexis to verify and they stated that they did. I then requested the method of verification and they sent records of what was in my file but not how it was verified. I sent a letter from the courts stating that LexisNexis had not verified any such public record with them nor started any motions to obtain such records. This public record remains in tact due to a third party verification and I'm not sure what exactly they looked at because when I used the same method they used to " verify '' my search yielded no results for my full name and the last 4 of my social. Providing LexisNexis with the PACER results and a letter from the courts was still not enough to correct the error on my file. The public record still remains, and my consumer rights to request information have been violated continuously by this organization.
Complaint sub-issue: Didn't receive notice of right to dispute

Dates : XX/XX/2022 Amounts : {$93.00} ( now ) Actions Taken : I emailed and texted them telling them it wasn't my debt and that I had never received phones or service from XXXX XXXXXXXX but they continued to bill me and it kept adding up to the point of what it is now.
Complaint sub-issue: Account information incorrect

This complaint is being filed due to XXXXXXXX XXXX XXXX  XXXX XXXX has fell to correct the inaccurate late payment that being furnished to XXXX, XXXX, and Equifax in regard to this account. I have made multiple attempts in trying to resolve this matter privately. I have shown XXXXXXXX XXXX  XXXX XXXX XXXX the error in the reporting of this late payment, which they have fell to correct, which is a violation under the FCRA. This will be my final attempt in resolving this matter before filing a complaint with the XXXX for arbitration. XXXX XXXX XXXX XXXX XXXX has defamed my character by placing this inaccurate information on my consumer report.
Complaint sub-issue: Account information incorrect

Hello, I have found an error with the XXXX XXXX  XXXX  account and it is my understanding that you will do an investigation and send me the results. I'm really concerned about this because this is really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some up coming events this year that will rly on my credit report being accurate so please assist me with this. The item I am challenging is : XXXX  XXXX Account # XXXX I've never been late. I paid on time XXXX and XXXX of XXXX. Delete this account. Please expedite. Thank you.
Complaint sub-issue: Problem getting your free annual credit report

In view of the EQUIFAX breach, I ordered free copies of my 3 credit reports. I had no problem with XXXX or XXXX  but Equifax refused to give me an online copy. 
Instead they suggest I send all my personal identification information to them VIA MAIL! 
This is ridiculous. I 'm certainly not going to send my personal documents only to have them sit on someone 's desk for all the world to steal! 

I want to find out if I was a victim of the Equifax hack but ca n't because of the company 's incompetence.
Complaint sub-issue: Investigation took more than 30 days

credit companies are not complying with their own policies in a timely manner.
Complaint sub-issue: Account status incorrect

I have recently tried to apply for a home loan. My lender advised that AES and XXXX XXXX  has reported that I was late on my payment from XX/XX/2015-XX/XX/2015. When XXXX   with student assist called the loan company she was adobes I never shld have been reported as late because I was on forbearance as my loan was being transferred from AES to XXXX XXXX. The home lender advised bc of it showing late even that long ago it affecting my credit report in a negative way. I tried to contact XXXX XXXX to get this resolved and the lady I spoke to wouldnt even let me explain the issue nor would she even pull up my account to assist me in fixing what is THEIR mistake!! She advised i had to submit a form so they could investigate and even then it could take them at least 30 days??? Unacceptable. I have never been late with a school loan payment and its not right its impacting me because of a mistake they have made. I did advise th rep that I would be filing a complaint with you and she stated thats fine.
Complaint sub-issue: Reporting company used your report improperly

I received a letter stating that a Credit Reporting company by the name of SageStream LLC had given a credit report to a lender that is inconsistent with my information on file, and that they were unable to full fill my loan as previously agreed upon, and that new terms were required. I contacted my lender directly and everything is in order and that nothing has changed. This letter appears to be some kind of phishing scam, as when I went to the SageStream website they requested a lot of personal information and copies of proofs of identity such as a driver 's licence, passport, or social security card. This seems highly suspicious and appears to be an attempt at a scam.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received pre.approved confirmation certificate from upgrade company for low fixed rate loan on XXXX I went to the company website at XXXX and to check my rate with out impact my score as been shown in steps of that website then I found hard inquiry in my XXXX report from XXXX on XXXX XXXX XXXX and I do n't even complet their application they mention clearly it not impact to check rate.i thought nothing will impact my credit score as I never send then any documents to apply for this loan just wanted to check my rate and how much line I will approve for. thanks
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Carmax Auto Finance Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2- States a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B- A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX - ACCOUNT NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602a states I have the right to privacy.

15 U.S.C. 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction/permission.
Complaint sub-issue: Unexpected increase in interest rate

I was approved for 12 months zero interest. However, I was charged 24.99 % monthly revolving interest rate on {$5700.00}. I was charged interest. My total balance did not reduce by the total monthly payment on XX/XX/2018. My monthly statement indicates interest was charged and my total balance reflects that charge of interest. 

This is misleading and confusing, because the promotion was for zero percent interest for 12 months.
Complaint sub-issue: Debt is not yours

I am enrolled in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX coverage. XXXX  covers all deductibles, copayments and coinsurance on services covered by XXXX. I have sent all the information needed to Americollect, XXXX XXXX XXXX, XXXX, WI XXXX, phone : XXXX ( my XXXX   enrollment information and the information they need to collect payment ) but they keep on sending me a form asking for the same information. 
This is for a bill of {$45.00} for services rendered by XXXX XXXX XXXX on XX/XX/19 at XXXX XXXX in XXXX XXXX, Florida. 
I contacted the XXXX XXXX XXXX XXXX   billing company on XX/XX/19 with my XXXX  information. I contacted them again on XX/XX/19 and I was told to disregard the bill. I then received an invoice from Americollect and sent all the requested information on XX/XX/19. I have since received the same forms in XXXX and XXXX.
Complaint sub-issue: Trouble with how payments are being handled

This is a follow up to the complaint I submitted on XX/XX/2021. Despite me making a payment on that date, Nelnet continues to show my account as past due. My payment is due on the XXXX and I logged in on XX/XX/2021 to make a payment and my account is showing past due and when I select the link to make a payment, I get an error message. I have screenshot both the past due message and the error message, attached. Prior complaint number : XXXX.
Complaint sub-issue: Debt is not yours

Plaza Services LLC repeatedly contacts me looking for a person who is not me. I have asked them to stop, and have no resolution.
Complaint sub-issue: Didn't receive terms that were advertised

I saw Citi offering a bonus of {$400.00} for opening a savings account and depositing {$15000.00} for a minimum of 90 days. I created the account on XX/XX/XXXX, and deposited {$15000.00} on XX/XX/XXXX into the savings account. On XX/XX/XXXX, I received an email stating that I had earned the {$400.00} and it would be deposited within 30 days. On XX/XX/XXXX I still had not received the {$400.00} and called customer service. They indicated they would look into the matter and get back to me, but with no resolution. I called again on XX/XX/XXXX to inquire and they indicated they would resolve the issue in 5 business days. On XX/XX/XXXX, I received a letter from Citi stating that they had investigated my case and that I was not eligible for the {$400.00} because the checking account had been closed, whereas the terms state the account must be in good standing. I thought the promotion was for a savings account and didn't realize the checking account had anything to do with this. The savings account was still open and in good standing with the required balance, and I had take no action to close the checking account. I called Citi customer service on XX/XX/XXXX to ask about this. They confirmed that I would not receive the bonus because the checking account had closed because of a XXXX  balance. 

This seems unethical because there is nothing in the main terms of the promotion that there must be activity in the checking account, only that there must be a minimum balance. I see that in the fine print of the promotion, it states that if you happen to deposit the full amount in one account but not the other, they will close the account and void the promotion. If I had simply moved a small amount to the checking account, I would have received the bonus. This does not seem fair, especially since they sent me an email on XX/XX/XXXX confirming that I would be receiving the bonus, even after the checking account had been automatically closed without any notice to me. This fine print term is clearly a misleading advertising tactic to XXXX their customers and does not seem like a fair term to include.
Complaint sub-issue: Personal information incorrect

Hello These 2 Address are showing up on my report and I have never lived there. 

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX
Complaint sub-issue: Account information incorrect

XXXX Account : XXXX Charged Off This account was charged off and then paid off and was in error with XXXX XXXX XXXX formally XXXX XXXX XXXX XXXX XXXX. I disputed it several times. Finally XXXX issued me a letter stating that the delinquent account should be removed for all 3 reporting agencies. XXXX removed it in 2 days, XXXX  removed in 3 days. However, Equifax did not remove it. I have disputed it and still no luck. I have sent the letter from XXXX to Equifax via fax and email and also XXXX representative Ms. XXXX XXXX stated that they sent the letter 3 weeks ago. Still no luck. Its amazing how little verification it takes to put a trade on your report but it takes an act of God to get it removed even if you have a letter from the company stated to remove it.
Complaint sub-issue: Reinserted previously deleted info

Equifax will not correct errors that they placed on my credit report. I have XXXX Student Loans XXXX (Account XXXX). Equifax is reporting that I have XXXX loans. A few weeks ago they were reporting that I have XXXX student loans, so I disputed the XXXX loans opened in XX/XX/XXXX. Equifax did not remove them, despite the fact that I provided them my Loan Verification letter XXXX. Equifax instead, listed those XX/XX/XXXX loans again, making my credit report now show that I have XXXX student loans. This brought my score down. My credit report by Equifax, is showing that I have XXXX unsubsidized student loans opened XX/XX/XXXX with XXXX loans having a balance of $XXXX (adding $XXXX of debt to my credit report). They are also showing that I have XXXX subsidized loans opened XX/XX/XXXX, with these XXXX loans having balances of $XXXX each, (adding an additional $XXXX of debt to my report). Not only are these accounts showing up multiple times increasing my debt amount, but they all have a note saying I missed a payment. So my credit report shows derogatory remarks for all XXXX of these accounts and notes that I missed a payment when I don't even have these accounts. The XXXX loans that I actually do have XXXX are also being reported by Equifax; they are being reported correctly on my report and were opened XX/XX/XXXX and XX/XX/XXXX. When I XXXX disputed the information with Equifax, they did not send me an email confirmation of my dispute. A week later I tried to check the dispute online and was not able to. A message came up telling me to send a copy of my Driver's License to them. I did that with the dispute form as requested. I still did not receive the confirmation number for my dispute. Instead, when I went online to check my credit report, they had XXXX more loans added to my credit report, with notes saying, "Consumer disputes items." I was also not able to check my dispute online. I called XXXX about the issue and they told me there is no reason Equifax should have seven loan showing on my report. They told me that as long as I send them the Verification Letter which they provided to me, the error should have been corrected. It was not. I am trying to improve my credit score to get pre-qualified for a home mortgage. Lenders heavily rely on the information reported by the XXXX major credit bureaus in order to determine if a person qualifies for a loan. That is why the information should be accurate and up-to-date. Equifax is causing me extreme stress right now by reporting inaccurate information on my report, by not allowing me a way to communicate with them or check my dispute status, and by adding things to my credit report instead of fixing the problem. I would appreciate it if someone can look into this, and find out why disputed information would show up as a new account on my report increasing the amount of loans that I have. Instead of being looked into and removed. Equifax is the only credit reporting agency that has this information wrong and I don't understand it.