Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, MD XXXX is running a scam where they tell customers they will pick up their vehicle from autobody shop, they let the car sit for days and charge you for those days of car sitting there. Office doesn't pick up phone when you call, it rings off the hook. XXXX XXXX customer service is just as bad, I had to initiate disputes twice with them but no one ever reached out to me to investigate ask for supporting documentation which I absolutely have. Reviewing XXXX reviews of this location there are all 1 star reviews with several attesting to same issues of being charged for days car sat in lot and no one picking up phone ( I included screenshots of 3 such similar complaints which are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which shows this fraudulent behavior is gross and ongoing for years ( Text copy and pasted below, as well ). I filed a XXXX report. 

Snips of reviews from here : https : XXXX XXXX former reviewer : 1.0 star rating XX/XX/XXXX To begin with it took me hold for 30mins to make arrangements to be picked up at the collision center. I only went with them because the insurance company made me. The have the worst service ever. I was told I could drop the car off at the dealer and they would pick it up. They didn't pick the car for another two days which cause me to be charged an additional {$100.00}. 

former reviewer : 1.0 star rating XX/XX/XXXX I had arranged a month in advance to have a rental car when dropping my car off for repairs. I called them two days in advance to confirm the pick-up time. On the day I dropped off the car, there was no car and they did not pick up my calls after multiple attempts. Apparently this is a recurring incident with them, and I don't understand how they stay in business with their horrendous customer service. 

former reviewer : 1.0 star rating XX/XX/XXXX I've been trying to call XXXX Customer Service to find out if they have a drop off box ( the answer will impact my work day ) and nothing. I've been calling since XXXX ; my boyfriend has been calling since XXXX ; my brother has been calling since XXXX. It's now XXXX. No one has picked up. There is no voicemail. It rings and rings and rings ... ..am I to assume we can keep the car? Terrible customer service. TERRIBLE! I thought they would be different since they recently ( very recently ... the address is no longer XXXX XXXX XXXX ) moved location to a bigger lot, but it's all the same. They never answer the phone ; they never have the car you sign up for and they keep you forever when you're there because they have to clean the car for you. I honestly think only one person works there. This was the last time. I'm going with XXXX next time. No longer going to bother, but you better believe I'm not paying any additional charges, if they put them on my bill. I dare someone to contact me or respond here. Get your reps to answer the phone ; you're not that busy. This is a joke! I've been calling for over 5 hours ( currently on the line ... ring ring ring ring ).
Complaint sub-issue: Information is not mine

I have repeatedly notified Equifax that they have a duplicate account ( XXXX XXXX Credit Card ) listed on my credit report. The account numbers, date opened and balance are all the same. I have disputed this incorrect information more times than I can count. I have also disputed several other items that were incorrect but Equifax does not take the necessary steps to remove these items. This companies negligience is going to cost me my career. They are never held accountable for their mistakes and the consumer is the one that suffers. Is Equifax going to feed, clothe and provide my XXXX month old son 's need when their horrible reporting system is inaccurate and out of date and eventually costs me my security clearance and job? No. Of all things I have disputed I have never received anything regarding how they " verified '' these negative entries as I requested. This is because they do n't verufy anything. This is merely a ploy to make XXXX of dollars off consumers by peddling there so called " products ''. No one holds these people accountable and they dont care that the inaccuricies negatively impact many peoples lives. They also report inaccurate low credit scores using the incorrect and fraudelent activity that they report.
Complaint sub-issue: Deposits and withdrawals

I opened a new checking account with Citi and wired all my cash to them. 14 days later my funds, which they state are available, are under review and I am unable to access any of the funds. They are preventing any transfers. I have called customer service and spoken to 32 reps, spent 14 hours on the phone and went in person. I keep being told account will be in review for 24-48 hours, but its gone on for 14 days. I am now late on all my bills and I have no cash for food. They have stolen all of my liquid money with no explanation and no willingness to help me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I HAVE BEEN A CITI CARD HOLDER SINCE XXXX. I PURCHASED THE CREDIT PROTECTOR FOR THIS ACCOUNT ALSO IN XXXX. I FILED A XXXX CLAIM XX/XX/XXXX. WHEN I FILED THE CLAIM MY STATEMENT BALANCE WAS {$9400.00}. ACCORDING TO CITI & CITI PAYMENT SAFEGUARD PROGRAM PAYMENTS WERE MADE TOTALING {$5100.00} FOR 24 MONTHS. AT THE END OF THE 24 MONTHS THE PROGRAM IS SUPPOSE TO CREDIT THE ENTIRE BALANCE IN FULL WHICH ACCORDING TO THEM IT WAS {$4300.00}. IF YOU ADD THOSE TWO TOGETHER, THEY DO EQUAL WHAT MY STATEMENT BALANCE WAS {$9400.00}. I RECEIVED A STATEMENT FROM CITI XX/XX/XXXX STATING I STILL OWED A BALANCE OF {$2400.00}. ACCORDING TO CITI PAYMENT SAFEGUARD PROGRAM MY STATEMENT BALANCE DATED XX/XX/XXXX WAS {$4300.00} AND THAT'S WHAT THEY PAID. THIS WAS NOT TRUE. A REPRESENTATIVE TOLD ME MY BALANCE ON XX/XX/XXXX WAS {$6900.00}. I'VE REACHED OUT TO BOTH COMPANIES AND THEY CAN'T GIVE ME AN ANSWER AS TO WHERE THIS EXTRA {$2400.00} CAME FROM OR WHY IT WASN'T PAID IN FULL. BOTH COMPANIES BLAME THE OTHER. MY HUSBAND AND I AFTER YEARS HAVE JUST FINALLY GOTTEN OUR CREDIT IN GOOD STANDINGS BECAUSE OF HIS ILLNESS IN XX/XX/XXXX AND NOW IT'S GOING TO BE RUIN AGAIN. I DON'T FEEL I SHOULD HAVE TO PAY THEM BECAUSE I PAID DEARLY FOR ALL THOSE YEARS FOR THIS PROGRAM.
Complaint sub-issue: Their investigation did not fix an error on your report

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX  of XX/XX/XXXXthey would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXXthey would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX  XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX of Massachusetts next. I need my payment history fixed immediately!!!
Complaint sub-issue: Funds not handled or disbursed as instructed

It is imperative that my complaint be understood and correct action taken. On XX/XX/19 I made a check deposit of {$950.00} from a tenant from his XXXX account into my account. Per tenant the funds were taken on XX/XX/19 by Citibank however my account was not credited by Citibank claiming there was a " Hold '' on that check til XX/XX/19. There fore on XX/XX/19 when my check # XXXX for {$450.00} came in my balance was more than enough to cover it- {$480.00} ( I've enclosed the transaction activity for those transactions. 

On XX/XX/19 Citibank ret 'd the check # XXXX for {$450.00} and charged me {$34.00} which they have reimbursed me now after I complained. Further there was also a {$500.00} deposit on the same day Citibank re'td my check. This caused a problem with the company I sent check # XXXX to pay a bill. 

My question is if there is a check deposited & placed on Hold waiting it to clear & checks come in while it is on hold should the incoming check be re'td? But especially since the check that was placed on hold cleared & funds were provided to Citibank the very next day it was deposited. In my opinion & based on the past the funds were immediately credited to my account regardless of the length of the hold period. This issue has occurred in the past & I thought it was my fault since then I'm looking into my balance more closely & want Citibank to credit incoming checks as soon as they clear & get the funds available, none of this because they put a hold & wait til that hold period expires.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX  Date of request XX/XX/2021 XXXX XXXX Date of request XX/XX/2021 XXXX XXXX XXXX XXXX  Date of request XX/XX/2021 XXXX XXXX XXXX XXXX Date of request XX/XX/2021 XXXX XXXX XXXX Date of request XX/XX/2021 XXXX Date of request XX/XX/2021 XXXX XXXX XXXX Date of request XX/XX/2021 I applied fort one auto loan and the dealer sent my info to multiple lenders without my knowledge or consent
Complaint sub-issue: Used obscene, profane, or other abusive language

I have tried speaking with a member of management and they refused to transfer me to management. I called on XX/XX/20 and asked about a settlement and said the account did not qualify for a settlement. They are extremely rude and told me that they will document the account as " refusal to pay. '' I am not refusing to pay, I just want to speak with a human being that is not rude. The tone of voice they use offensive and that of a negative person.
Complaint sub-issue: Public record information inaccurate

To whom it may concern, I have filed several disputes and made several phone calls to Equifax and XXXX Now about an account that is still reporting on my Equifax report and should not because it was discharged in my chapter XXXX bankruptcy as of XX/XX/2019. I spoke with XXXX Now several times, latest time today and have just gotten transferred around from agent to agent with no resolve, ultimately ending in not speaking to the correct department / person about the matter. I have spoken with them prior to today and they've advised that they have reported the bankruptcy to the XXXX bureaus. Today, I also spoke with Equifax again for the 3 or 4th time regarding this account and they advised that they have not received any notice from XXXX Now to update this account. I have checked the other 2 major bureaus XXXX and XXXX and they have both updated this account accordingly. As a result of this issue, I was denied a car loan today by my credit union. At this point I really need you to help me get this rectified because between the two of these companies, I'm getting no resolve. The representative at Equifax actually told me I didn't have any common sense today. I am very displeased and stressed about this. I really need a car to get back and forth to work. The one i have now is barely hanging on mechanically. This could end up costing me my job. Please help me. The account information is listed below : XXXX Now {$1700.00} XXXX on my equifax report. 
The very same account was properly addressed on my XXXX and XXXX reports.
Complaint sub-issue: Information belongs to someone else

Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX XXXX {$3500.00}
Complaint sub-issue: Information belongs to someone else

The 3 major credit reporting agencies failed to provide me with the requested physical documentation I've demanded previously but instead still abusing their authority by continuing to report the following fraudulent accounts inwhich I'm demanding be removed. 

1. XXXX XXXX {$560.00} 2. XXXX  {$4700.00} 3. XXXX XXXX 4. XXXX XXXX XXXX {$5200.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act,XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, NC 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 an account without my written instructions
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX agreed to remove late payments that were reported in error from XXXX of XXXX - XXXX of XXXX. However, they reported us late in XXXX also. I made a payment to XXXX XXXX XXXX on XX/XX/2018. According to a letter I received from to XXXX XXXX on XX/XX/2018, XXXX XXXX XXXX sold the loan to them on XX/XX/2018. For some reason XXXX XXXX XXXX reported us late only to Equifax in XXXX. Now, Equifax is refusing to remove the late because they say they need a letter from XXXX XXXX XXXX even though we sent the the letter from XXXX stating the loan was sold on XX/XX/2018 and the letter from XXXX XXXX XXXX stating the lates were reported in error. The two letters were uploaded to them, Equifax, and they are saying it is " A '' letter from both companies and they can not accept it. Please see attached documentation. I hope this does not delay the " investigation '' that is going on between Equifax and XXXX XXXX XXXX  as we are trying to get this resolved and close on a new house by XX/XX/XXXX. I have combined it into one file and also individually.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX CO XXXX Date Opened : XX/XX/22 Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX On XX/XX/XXXX, I received a letter in the mail concerning the unauthorized inquiries on my account. You stated that they all were factual. If they were factual and you did the proper investigation can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. I expect to get this information by not later than 15 days. Thanks for your time.
Complaint sub-issue: Other problem getting your report or credit score

I am XXXX XXXX XXXX and have a credit history spanning 37+years. In XXXX of XXXX I wanted to purchase a home so I checked my 3 credit reports through XXXX XXXX XXXX. Equifax was one of those. In mid XXXX, the mortgage company checked the reports as well and all was fine. This week, the underwriters wanted one more look. But my Equifax credit report file was unavailable. I called Equifax and they told me that I DID NOT HAVE A CREDIT REPORT ON FILE WITH THEM!! I faxed in my social security card, my driver 's license, my address, previous address, date of birth, previous name, anything that would help. I spoke with 6 agents, one from fraud dept., and a supervisor. I have no Equifax credit file. Someone at Equifax deleted my information through fraud or incompetence. I need your help, please. There are the SAME people who caused the XXXX data breach. Please help me!!
Complaint sub-issue: Attempted to collect wrong amount

I am not responsible for this debt. This debt belongs to XXXX XXXX XXXX ( a previous employer ) and should be removed from my credit report. I want this debt removed from my credit report as I am not responsible for it, and I want no further contact from Jefferson Capital and the debt should not be transferred to any other collection agency. Please cease & desist immediately.
Complaint sub-issue: Problem with personal statement of dispute

I had a consumer loan with XXXX XXXX XXXX XXXX for the purchase of an auto, although it was a personal loan consigned by a friend, as I had not had or needed any credit for the past 12 years or so ... ..my score was in the XXXX, showing no activity. I needed some credit, so received the loan and proceeded to build my credit. Prior to the hiatus in activity, my credit was perfect ... .. 
After two years of perfect payments, I asked Equifax to update my credit report in XX/XX/XXXX ... ..in the meantime, the originator of the loan, XXXX XX/XX/XXXX , was bought out by XXXX XXXX XXXX XXXX . In the process of updating, Equifax was unable to contact XXXX, so they took it upon themselves to REMOVE MY 2 years of perfect payments from my record. I asked them to put my 2 years of credit history back on my report, they refused ... .I asked again, they refused. I then asked XXXX XXXX XXXX to put my history on my report ... ... they refused, even though my account was transferred to them during the takeover. MY SCORE, THAT I WAS TRYING SO HARD TO BUILD, DROPPED 40 POINTS, because Equifax could not contact XXXX ... ..but it plainly shows on XX/XX/XXXX credit report with Equifax. I feel this is very unfair to me and is very discouraging ... ... now I am wanting to buy some Real Estate, but my score is 40 points lower than it was ... ... .Help PLEASE ... ..!
Complaint sub-issue: Problem making or receiving payments

On XXXX/XXXX/2020, I received a message when trying to pay bills using XXXX stating that PNC has made changes that no longer allow me to link my account to XXXX to make payments.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. 
I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Account status incorrect

I have a credit card from XXXX/XXXX  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX  with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .XXXX and Equifax keep reporting my information as updated with the same errors.
Complaint sub-issue: Information belongs to someone else

Dear Credit Reporting agency : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!
Complaint sub-issue: Debt is not yours

I tried numerous time to resolve this XXXX XXXX XXXX XXXX XXXX - XXXX account. This is not my account I explained o them this several times. This bill is for services that was secured in Texas. I never resided in Texas nor have I ever requested services in Texas. I don't owe this bill.