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

On XX/XX/XXXX I submitted a letter to Equifax in regards to two unauthorized hard inquiries that were place on my credit report reported by the same company named XXXX, first one was dated XX/XX/XXXX and second XX/XX/XXXX. I did not give permission for XXXX to pull my credit. I requested Equifax to delete these two inquiries from my credit report immediately which still has not been done. I've made several attempts to have Equifax to honor this request. Upon speaking with different representatives and the fraud department to investigate this matter I was told that I had to file a complaint with the FTC/cfpc before they would remove these two hard inquiries. I am now reaching out to you to help me to have this matter resolved asap! I also want to state that I sent Equifax documentation explaining in detail my concern and resolution that I'm seeking. This was sent by cerified USPS mail. I received receipt of delivery on XX/XX/XXXX that my letter had been received by Equifax. 
Thank you for your attention to this request, US citizen.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX are reporting at least 3 bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed Jointly with someone else which clearly is a Violation in Privacy and they are reporting inaccurate information I am am a victim of identity theft and have security freeze on my account about it I have done multiple requests for them to verify the correct information and they have not done so
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received a call in XXXX of 2017 about a XXXX past due account. I told the caller I didnt order XXXX and never resided at address that account was associated with. The caller asked for my last four SSN to verify that I wasnt the person they inquired about and I gave it to them not realizing what I had just done. After receiving a collection notice on my credit report i called XXXX to dispute the charges and they had me fill out a ID Theft Affidavit which i sent to them in XX/XX/2017. The collection was removed from my report only to be placed back on with a different collection agency this month. The amount thats in dispute is {$1900.00}
Complaint sub-issue: Can't stop withdrawals from your account

On XX/XX/2020, I contacted US Bank to place a stop payment on charges to my checking account from XXXX XXXX. The representative I spoke with advised me of the {$35.00} fee, and I agreed. The {$35.00} was applied to my checking account. I was under the impression ALL charges from XXXX XXXX would be refused as unauthorized. 
On XX/XX/2020, a charge in the amount of {$150.00} was withdrawn from my checking account and paid to XXXX XXXX. I contacted US Bank on XX/XX/2020 to request the charge removed from my checking account as I had previously removed authorization for XXXX XXXX to withdrawal from my account. The representative I spoke with understood my concerns, and advised the original stop payment was not done correctly and credited me the {$35.00} stop payment fee. I advised her I did not care about the fee, as I had agreed to it, but I need the {$150.00} back. She reassured me the {$150.00} would be removed within 10 days, and I would receive a form to complete and send back. 
I faxed the completed form on XX/XX/2020. I called US Bank twice to check on the status of my return. The second call, the representative advised my claim was denied. 
Please reconsider this decision. I did everything in my power to contact US Bank to remove the authorization and paid the fee to have the payments from XXXX XXXX stopped. If the stop payment was not done correctly or not done for all amounts, I would not have the knowledge as the consumer to know that. I am also very concerned additional amounts from XXXX XXXX could be taken from my bank account. 
I have had this account for nearly 20 years.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, BB & T has refused to engage in adequate dialogue to resolve a case related to a credit card charge on XX/XX/2018 to XXXX for {$450.00}. Despite having no services received from XXXX for the transaction, BB & T has allowed a fraudulent charge to be charged back on my XXXX account statement. 
Despite many attempts to contact BB & T through email and phone calls, they have ignored any attempt at a resolution.
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 n i made this clear for XXXX 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 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 XXXX 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 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 n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XXXX, I received a Mastercard from US bank ending in XXXX which I never applied for. I contacted US Bank and have closed the account and opened an investigation. They told me the account was opened around XXXX on XX/XX/2023.
Complaint sub-issue: Don't agree with fees charged

XXXX issues - The loan rate being charged can not be substantiated via the loan documentation, and the loan rate charged is above what can be calculated. 
I am a cosigner on my daughter 's student loans. 
Originally the loans in question were with XXXX who sold the loans to Discover prior to the deferment period ending. 
The loans are variable interest rate loans. 
The loans use either the 3 month XXXX or the XXXX XXXX published Prime rate to calculate the loans interest rates. In addition there is a " margin '' associated with both loans. However, Discover can not provide documentation ( prove ) the margin associated with the loans. 
Using the original disclosure statement to " back out '' the margin using the published interest rates, shows the interest rates being charged are above what the rates should be using the historical rate changes for the loans. 
Numerous calls to Discover Student Loans, including talking to a supervisor at Discover has failed to produce the documented " margin '' on both loans and an explanation of how the rates are calculated.
Complaint sub-issue: Personal information incorrect

I disputed  XXXX  collection that i seen on my Equifax credit report that i have no knowledge of. They did a investigation and told me that the collection belong to me with out any proof of me agreeing to owing these collection.  XXXX  of them is CC collection for {$140.00} and the other  XXXX  is also CC collection for {$56.00}. I reported it on  XXXX / XXXX /  XXXX   or on  XXXX / XXXX /  XXXX  . i got a response on  XXXX / XXXX /  XXXX  . I 'm not satisfied with this response due to the fact that the other  XXXX  bureaus had them deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

I am disputing identity theft for more than a year now .I sent hundreds letters and this incorrect information is still on my report. 
I dont understand how is that possible!!!!!!!!!!!!!! 
Please see attached documents. One of this document is affidavit from my step son that he used my information without my authorization. 
and its still on all three Credit Bureaus Reports.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I have tried repeatedly to resolve an issue with Credit Karma for over a year. I have emailed them to let them know that I am not able to access my account because my phone number associated with the account when I set it up over a year ago ( XXXX ) XXXX was puned or taken over by someone else. Credit Karma ignored my requests to help change the number associated with the account and then to close the account. I received numerous emails from them that say things like someone added you as an authorized user on their credit card and that they received the information from XXXX XXXX. When I contacted XXXX XXXX they said that they did not have any information about me being added as an authorized user on someone's credit card. I have had a lot of issues with identity theft and the fact that Credit Karma continues to keep my account open and I do not have access to it is very concerning to me. I would appreciate any help that you could give me as Credit Karma ignores my request to close this account.
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/2018, on the XXXX I think, my loan was sold to XXXX from XXXX XXXX. During the transfer my principal balance was inflated, a payment was not posted, late fees were assessed, and my monthly payment has increased. 

I reached out to the new company by phone and email. They claim to have fixed it all. They did finally add the payment and remove the late fees after a month. However, the initial transfer principal balance looks to still be in error and the monthly payment amount is still in error as well. 

Additionally, on the XXXX XXXX side I went to my old account to get more material to strengthen my ground for complaint but less than a month after the sale my records are no longer there for my access despite the account being active. XXXX XXXX did not give any overt warning that my only means of saving this information would be prior to the transfer. If I had not printed copies of my monthly payment I would be in a very poor position.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Account XXXX
Complaint sub-issue: Information belongs to someone else

Equifax did not provide name, contact information or documentation for the data furnisher in response to my Method of Verification Letter.
Complaint sub-issue: Application denied

I applied for a Discover Secured Card. I was denied based on " Status of existing or prior Discover Card Account ''. When I contacted Discover, I was advised that my previous card was not closed, as reported to the CRBs, but REVOKED. I asked why, and was told that the revoked card was due to a delinquency from another card ( XXXX ), which was an error on my credit report and has since been removed. Discover said that even though the previous account was closed due to the error, they will NOT remove that status, and with that Revoked status, I am denied credit. 

So essentially the error is still a factor in my application and I am being denied credit because Discover is using information from a 2015 credit report that contains an error instead of using the updated report which has no derogatory information. 

I believe this is in contravention of the Fair Credit Reporting Act. Discover is basing a decision to deny credit using outdated information and is refusing to use current data. 

I have requested that Discover reconsider using current information, and was told because of the derogatory notation, " at that point in time '' ( 2015 ), my application would NOT go forward.
Complaint sub-issue: Old information reappears or never goes away

I have an account over XXXX years old that is still showing as a charge off it said it would be removed XX/XX/XXXX and when I called they said it would be removed and its still showing. No one seems to care and I need it gone.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my credit and discovered 4 open accounts XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX collection. These accounts haven been open without my permission I have no relationship with any of these companies.
Complaint sub-issue: Threatened to sue you for very old debt

I got this threatening call out of the blue from a phantom collections company ( identified themselves as " LMS '' ) that said I would be " served up court documents if I didn't pay off a nonexistent debt '' ... number in question was : XXXX ( XXXX ) XXXX called them bask asking for further clarification as to why they were calling and they said they needed to " verify my information so I could be served up the necessary court documents '' I replied I am not going to provide that information to you over the phone and then they retorted " we will see you in court then '' and they hung up. 

I am 99.9 % sure this is a complete scam and I want to warn others so they don't get scammed by these people
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX. Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # 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: Reinserted previously deleted info

I disputed multiple collection accounts  (    XXXX   XXXX   XXXX   &amp;  XXXX  ) with equifax and  XXXX . The accounts were deleted on both but now equifax has reinserted accounts from both collection agencies on my credit report. Also Equifax has been very uncooperative in removing the excessive amount of hard inquiries that I asked to be removed. I 've called and also faxed a multiple inquiry removal letter and have heard nothing back. My Score through equifax is really suffering, it 's close to  XXXX  points off from my other  XXXX  scores.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX a fraudulent charge of {$3600.00} was made on my citi bank credit card. I called citi bank the same day ( XX/XX/XXXX ) to report the fraudulent charge. On XX/XX/XXXX the card with the fraudulent charge was closed and I was mailed a new card. The following week the charge was posted to my account. After disputing the charge Citi bank claimed I am responsible for this charge even though the card has a zero fraud liability clause. A police report was filed with the XXXX XXXX, Ohio police department regarding the fraudulent charge.
Complaint sub-issue: Was not notified of investigation status or results

I have not received investigation results after I submitted my dispute letters to the credit bureaus several times. These are the accounts : XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX
Complaint sub-issue: Information belongs to someone else

I have disputed this error now a few times and XXXX is not addressing my dispute. This is inaccurate and false XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing incorrect information on my credit reports since XX/XX/2019. A repossession remains on my report even though it has a balance of {$0.00}. I have disputed this account with the bureaus, and it still remains on my report. I would like for the account to be removed especially given the non-existent balance.
Complaint sub-issue: Information belongs to someone else

Someone has been attempting to open accounts in my name without my authorization or knowledge. All the information on this ID theft report is Fraud.
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 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 also states a Consumer Reporting Agency can not furnish an account without written instructions.

15 U.S.C 1681c- ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Complaint sub-issue: Billing dispute for services

I have an airline loan because I already pay half oh XXXX with you and pay this amount. Do you wan na leave my car because you take it to the impound impound it does it have a L I already take you for that my vehicle where are you vehicle? I want to pick it up and pound it doesnt have it. It doesnt have any info customer service she tell me the impart airline is coming vehicle is already pick it up. You got ta call Ally company, OK? 
I have a police report. Also everything information I can give you can you help please take out the action because nobody help me.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX i sent Equifax a certified letter inquiring about a public record listed on my credit report this letter was delivered XXXX XXXX. Equifax then responded that this account was accurate and verified by their source XXXX XXXX shocked by this information i contacted XXXX XXXX they have removed this information XXXX XXXX and sent me an update. Equifax removed this public record from my report and then added it back without sending me an update or notifying me. I then contacted Equifax XX/XX/XXXX requesting that they delete this account from my credit report due to their Method of verification being invalid because their resource is no longer valid XXXX XXXX is not reporting a public record. They then responded again saying that this account was verified by XXXX XXXX. On XX/XX/XXXX i contacted Equifax again explaining to them that their resource is invalid and to delete this inaccurate public record from my credit report this letter was delivered XX/XX/XXXX. XX/XX/XXXX they still responded again that it was verified through XXXX XXXX a company that IS NOT REPORTING THIS INFORMATION. On XX/XX/XXXX i sent a letter to Equifax to dispute this public record for being inaccurate. Also i have contacted them multiple times about accounts that are inaccurate they have not provided me with their method of verification or paperwork for those accounts.
Complaint sub-issue: Charged too much interest

On or about XX/XX/XXXX, I purchased at BestBuys an item for {$1600.00} with no interest for 24 months. On XX/XX/XXXX, this free interest expired. On XX/XX/XXXX, I realized something was wrong because my current balance which is also for purchases I made with no interest was approximately {$1000.00} more than I expected/calculated. I called the credit card company and they explained that on XX/XX/XXXX when the 24 month interest was due on the purchased back in XXXX, and payment was short by {$1.00} and therefore, the accrued interest in the amount of {$1000.00} was applied. I was shocked! as this was not what I expected. I had made all my payments on time, never late and continued making my payments on time and for more to avoid the interest. I was told that they give 20 days grace period to review and request a waiver. That it was to late to even try to request that waive. I had not idea. I thought I had calculated and set my payment to be automatically paid from my checking account. They most had continued receiving payments every 15 days, so they should had received about 15 days later a payment for {$65.00}, and another {$65.00} 15 days later after that, and so on, until XX/XX/XXXX when I paid a larger amount to avoid paying late the next no interest purchase I had made and was due on XX/XX/XXXX. I unfortunately did not pay attention to the interest accrued that was applied back in XX/XX/XXXX. On XX/XX/XXXX looking into my bank statement and making sure my payments were made is when I realized what had happened. I immediately contacted the credit card and pleaded to have those removed as I thought {$1000.00} in interest was unreasonable just because of {$1.00} short in payment for XX/XX/XXXX. They just continued saying how sorry they were but there was nothing they could do and that was that!. I asked to speak with supervisor and they put me on hold just to tell me that they will put in complaint but there may not be a response from them. Also, I am realizing now that I have been charged interest at 29 % on the interest that was accrued. I need help, please!!
Complaint sub-issue: Debt was paid

I 've notified this company for the past 2 years that the debt they seek should be taken up with the insurance company and I 've sent proof of my permanent disability over a year ago. Yet this company still Persues me in regard to this debt