Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXX {$1700.00}
Complaint sub-issue: Frequent or repeated calls

I have sent NUMEROUS complaints about the same company : J.C. Christiansen associates over the past few years. 
They constantly call my number they do not display who is calling on the caller ID. It shows " Not in Use ''. 
They repeatedly called me every day m-saturday starting at XXXX till after XXXX. several times a day up to 5 times. 
I have told them not to call me several times and asked for everything to be sent in writing. I have spoken to several people XXXX, XXXX XXXX and a few I forgot. No one seems to take heed to my requests. I have also complained to my Atty generals office in the past and they stopped for a while. Please shut yhis place down.
Complaint sub-issue: Investigation took too long

I XXXX arrived to XXXX XXXX location XX/XX/2016. I inquired about and car on your lot. Before, coming to XXXX XXXX, I XXXX had previously inquired with another company that provided me funding. I provided this document to the sales man as well XXXX XXXX financing department. Letting them know that they did n't have to check my personal credit to provide me with funding. With that being said, organization funding was/is equivalent to paying cash. XXXX XXXX financing department called the organization to verify this information was true. Any personal information that was received for me we so the vehicle could be placed in name if I decided to buy, an as well as for me to test Drive the car. This was known an repeated by the much older salesmen I have contacted this company more then two time in regards to this and it seem as if the company will not respond. My next steps would be to get a police report written something do n't t want to have to do. Also with in 30 days the company didnt send me any responding letter to the address.
Complaint sub-issue: Other problem

I have a credit card with Citi Bank, we paid $ XXXX by mistake on XX/XX/2022, When we realized on XX/XX/XXXX, I called customer service to refund that amount to my Checking account with Same CITI Bank or refund to the origin, from where the payment was done. They said there will be hold till XX/XX/XXXX then we will release the payment. But despite of several calling they are holding the money, which is not back yet. 
I expect {$500.00} + Interest @ 20 % should be awarded to me with refund.
Complaint sub-issue: Account information incorrect

XXXX XXXX  credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with XXXX XXXX  was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called XXXX XXXX  today and they totally agreed with me ( XXXX Option # XXXX ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information. 

I'm attaching an example of this account via credit report to help you analyze the problem.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

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

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.1681 15 USC 1681i section 611 ( a ) ( 5 ) states that the reinsertion of Previously Deleted Material if they don't notify me of the reinsertion within 5 business days is not legal. The documented reinsertion violations without 5 days notice is listed as follows ; Equifax XXXX XXXX who identified himself as a Dispute Supervisor deleted 30 day late with confirmation # XXXX. A second deletion after reinsertion was stated to be completed on XX/XX/22 with XXXX XXXX ID XXXX at Equifax as well. 

XXXX XXXX XXXX who identified himself as a dispute Supervisor stated on the call XX/XX/22 at XXXX am that the 30 day late was being removed. XXXX referenced file # XXXX as documented proof of the 30 day late deletion
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # 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: Public record information inaccurate

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a total of 7 inquiries on my credit report, but I do not know what 3 of them are. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX Citibank - XX/XX/XXXX
Complaint sub-issue: Problem accessing account

Hi, As of XX/XX/XXXX, I havent been able to log in to Money Lion checking account. I called innumerable times since then, talking to incompetent customer service agents and supervisors that tell me the ticket has been escalated ( more than 3 times ) and that their engineers have been working on it ( for almost more than a month now ) and I still havent been able to access my own account or pay certain bills ( that require transfers ). A few times in the past, they withheld funds that I tried to transfer to pay my car payment and credit card, and I was charged late fees for returned payments, even though I had the money in my account. I have not been able to see my account information, know my account number, or see my own investment fund. I have to call them to know transactions and balances, and they still have not fixed this issue. Every time I call, they act as if its the first time Ive spoken with them, and I have to start all over. Theyve also told me Im not the only customer in this situation. Im sure this is borderline illegal. Please help.
Complaint sub-issue: Attempted to collect wrong amount

I have been working as a XXXX / XXXX XXXX for a number of years. I am a XXXX XXXX and not a corporation. 

I have had a PNC Bank business credit card account for about 10 yrs. 

In XX/XX/XXXX I moved to a different location in my state, with a new mailing address. I updated my new mailing address on the PNC website, and PNC Bank mailed me a letter confirming they received the new mailing address. 

PNC Bank has recently removed any access to my business credit card account on their website, but I have saved screenshots showing that my address was correctly entered on their website. 

Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any statements from PNC Bank by mail or email, that showed that I owed any minimum payment. The only statements available were several statements on the PNC Bank website that stated that my balance was {$0.00} and my minimum payment was {$0.00}. 

In XXXX & XX/XX/XXXX I left multiple messages on the PNC website stating that I had not received any statements. I have screen shots of those messages. 

I continued making monthly payments until XX/XX/XXXX, when my balance was {$5600.00}. After that I made several charges totaling about {$83.00}, and then the credit card was no longer valid. 

On XX/XX/XXXX I mailed a certified letter to PNC Bank explaining that I had not received any statements for my PNC Bank credit card account. 

PNC Bank customer service began calling me several times per week, leaving messages asking me to call them. I returned the calls multiple times but each time I received a voice mailbox. 

On XX/XX/XXXX, I finally reached PNC Bank 's Small Business Credit Card Default office. They told me that my correct address had been entered on their website, but they had accessed the wrong address in the PNC default office. 

On XX/XX/XXXX I received an envelope with PNC Bank statements for XX/XX/XXXX to XX/XX/XXXX. PNC 's XXXX statement was due XX/XX/XXXX. My interest rate had been increased from 12.4 % to 30.74 %, multiple late fees and large finance charges had been imposed, and a minimum payment of {$680.00} was demanded. 

On XX/XX/XXXX I received a new statement with total amount of {$940.00} due on XX/XX/XXXX, and the new balance was now {$6100.00}. I refuse to submit to PNC Bank 's racketeering practices.
Complaint sub-issue: Their investigation did not fix an error on your report

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Complaint sub-issue: Problem with fees

On  X/X/17   , I made an e-paymnet through Best Buy 's payment system, for the amount due of {$61.00} ; the payment cleared my bank the same day. On   XXXX  , Best Buy (  Citibank )  contacted me and indicated I was 10 days late and assessed a late fee of {$35.00}. I indicated that I had paid the amount the automated system indicated was due . Citibank re p 's only reply was that the paper statement indicated a different amount. In shor t, Citi 's auto mated payment system appears to have not kept pace with billing. When I called a representative to attempt a fee waiver, the rep indicated that this was not my first late ; and that they would not waive the fee. I 'm puzzled as to the relevance of such a statement, when the issue pertains to their e-payment system, not MY pay history. I paid what their system indicated was due, within the timeframe it was due.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Debt is not yours

There is a old credit card that was used multiple times by someone else after lost / stolen, no I did not authorize. Have told them multiple times and it has caused me a great deal of pain, as much as leaving me home less for not being axle to use credit for housing / transportation. 
This has taken a great deal of toll on me. 
As a newly adult at first I ignored it after not being able to resolve it and now it have even been an impact on my family well being.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I just recently recieved the results for a collection item ( XXXX XXXX XXXX ) on my credit report that does not beling to me. I've reached out to this company several times by mail and I've disputed this item regularly with Equifax credit bureau. Equifax still has not removed this item from my credit report. I mailed in a packet of documents proving to Equifax that the collections account with XXXX XXXX does not belong to me. Equifax sent me am email stating that they received my supporting documents on XX/XX/XXXX. Then Equifax somehow completed the investigation in 10 days after on XX/XX/XXXX. This was not sufficient time for them to review the documents because if they did they would have removed the account. I sent supporting documents showing that XXXX & XXXX have removed the XXXX XXXX accounts several months ago. Also XXXX has yet to produce a contract or any proof that the account is in fact mine. 
Today on XX/XX/XXXX I called Equifax at XXXX and a customer service agent with Eauifax claimed that he couldn't verify my account when I have a confirmation number from Equifax and none of my personal information has not changed. I spoke with the customer service agent 's supervisor named XXXX and he was able to verify my account. Although, the supervisor was helpful and clear about the dispute process. He was guarded and withholding actual details about my account and supoorting documentation proof that i mailed into Equifax. Please reach out to them and make sure they follow suite with XXXX & XXXX to Delete XXXX XXXX from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

Since XX/XX/2018 the company EOS CCA has been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company on several occassions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documents. Also the creditor has billed MEDICARE and have been paid.
Complaint sub-issue: Problem making or receiving payments

I'm trying to obtain a debit card for my child and unable to link my account to the actual debit card so that she has access to funds. I was provided and directed to this link to file a complaint in the matter.
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019
Complaint sub-issue: Personal information incorrect

my personal info shows a bunch of different names and addresses reporting. the only name should be XXXX XXXX XXXX all other names are incorrect and false these are the names that are wrong XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX all off the wrong names that are not XXXX XXXX XXXX is attached to accounts not mine please have these names removed
Complaint sub-issue: Information is not mine

I discovered that someone opened a Discover card account without my knowledge or consent. When I found out, I sent Discover all sorts of information showing that I was the victim of ID theft, and asking them for what information they had to give them the authority to open the account, but they keep sending me pages and pages of statements that they said they mailed me ( the never did ).
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  Someone tried to open a credit card account using my personal information. The bank recognized the fraud but the inquire still shows on my credit report.
Complaint sub-issue: Trouble with how payments are being handled

I had been making monthly payments of {$60.00} a month to Fedloan. From XXXX XXXX-XXXX XXXX they were not posting my payments to my loan. A total {$480.00} that was sent to them over those months was not applied to my balance. When I had tried to contact them there was no getting through on the phone and my emails were met with automated responses that had nothing to do with the issue. My loan is now under another creditor and my balance is still incorrect due to Fedloan.
Complaint sub-issue: Report improperly shared by CRC

I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting ) the freeze. 
However, Equifax online does not provide the option for victims, but rather has only XXXX default - Pay them {$10.00}! 
Nor does Equifax mention this available free option ( again, going for profits while using our info tho willing to leave it exposed due to Equifax delays in implementing a Freeze when demanding fees and nonsensical reports ). 
Especially galling is the fact that I am an ID Theft victim as verified by another Credit Reporting agency, XXXX ( attached ), i.e. my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, ALONG with XXXX XXXX other XXXX victims of this theft / XXXX breach. 

In contacting Equifax on XXXX occasions, XXXX and XXXX Equifax asked ( XXXX ) that I send a written request. Then when they ignored that, I again called ( XXXX ). They now asked for the attached Experian notice. 

Again Equifax ignored that which led me to call on XXXX/XXXX/2015. The first level rep, then the supervisor, then the next level supervisor ( XXXX XXXX in the Equifax Consumer Affairs Office ), first stated Michigan law did not apply ( false ) ; then that only a police report would qualify me for1 ) a refund of my {$10.00} that they essentially extorted from me ( the only way I could implement an immediate freeze to avoid serious credit, monetary, and repair time losses ; and,2 ) as per Michigan law which Equifax denied, no charge for the ongoing freeze ( including no charge for lifting / resetting the freeze in the future ). 
However, proof of ID theft is NOT restricted to a police report. 

Not only does Equifax provide false information ( MI law ) and ignore responding to follow-ups they request, but they also are willing to put victims of ID theft at risk if the victim does not pay them to implement a freeze. 
However, Equifax states that if consumers ( in this case all XXXX MILLION of us ) can get a police report re the breach, Equifax will " generously '' waive the upfront fee .... what a farce, they only apparently want to collect fees from OUR information. 

Meanwhile, XXXX and XXXX had no difficulty immediately implanting the free ( per MI law ) freeze.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have attempted to contact XXXX XXXX in regards to this debt. Ive even attempted to dispute it on their website multiple times. They call me more than 10 times per day. I asked them to correct the website or take the bankruptcy case #. They refuse to buy continue to ask for my address. I spoke to 3 people in one day without any resolution. Theyre trying to make me miss the 30 day dispute period which is XX/XX/XXXX. Her is the case # with IC systems XXXX {$3100.00}. This was included in my bankruptcy which was discharged in XXXX of XXXX. My Bankruptcy case # is XXXX XXXX. I want them to stop calling me.
Complaint sub-issue: Personal information

I am writing to dispute an address on my record. I have never lived at this address:XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I have written to the XXXX credit reporting companies in the past to remove this address, as I have never lived there, but it still remains on my record. I am writing to request its removal once again.
Complaint sub-issue: Account terms

Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX 2013This Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening
Complaint sub-issue: Information belongs to someone else

I have two accounts on my credit report that do not belong to me : XXXX/Dept Of ED - {$5700.00} BALANCE - XXXX - OPENED XX/XX/2018 XXXX/Dept Of ED - {$3600.00} BALANCE - XXXX - OPENED XX/XX/2018
Complaint sub-issue: Account information incorrect

Equifax shared an incorrect credit score with lenders, which affected my ability to qualify for a loan.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I never received the purchases I paid for upfront with total of {$1700.00} paid for XX/XX/2021 and I have waited over 2 months for it to come from the XXXX XXXX in XXXX XXXX NC XXXX I contacted SEARS Mastercard Billing Dispute and Fraud Department said I would get a full refund and I have not received the credit back on my account.