Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX First Progress Card XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Re : Acct # XXXX To Whom It May Concern : First Progress Card is destroying my credit on a secured card and reporting incorrectly after several letters to correct their error thereby causing me credit denials. 

I have never owed First Progress Card any amount of money, I started with a secured card and called them to cancel within few months which they agreed. 

Upon further investigation, I have retained new copies of my credit reports and noticed that First Progress Card did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I took a secured card from your company with an amount of {$200.00} which I paid. I later called to let your company know I am no longer interested and as such, I requested my balance back which is {$110.00}. Yet your company refused to refund my money and put a charged off amount on my account by claiming I owe {$84.00} which I never did and has such destroyed my credit making it impossible for me to secure credits. Your reporting has been inaccurate and this will be my last registered letter before I file a small claim lawsuit if this issue is not resolved. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Complaint sub-issue: Debt was result of identity theft

upon checking my report I noticed some accounts that I did not authorize
Complaint sub-issue: Trouble with how payments are being handled

Attempts to contact Discover Student loans took place on XX/XX/XXXX, XXXX, and XX/XX/XXXX. My concern is that the company is ignoring me without any concern for my personal consequence as a result of their error. Those consequences are accrued interest on principal paid, bank fees ( 2 )  due to Discovers unauthorized withdraw from my account totaling {$58.00}, and personal distress as it has been over a month without resolution to this problem. It is unacceptable that a giant company such as Discover can treat me this way after profiting so much from me. 

On XX/XX/XXXX a student loan payment was made directly from a bank account. The website which is suppose to reflect the payment immediately reflected an incorrect and less than authorized amount. 

An additional payment was scheduled within the same week taking into account the reduced prior payment as acknowledged by Discover. Days later the original payment for the full amount requested not the reduced amount listed on Discovers website posted to my account. This caused the second payment made later in the week to be short and incur the fees mentioned above. These payments were intended to pay the loans in full. " Coincidentally '' this issue has never occurred prior to my first attempt to pay these loans in full. 

Each time I called Discover to resolve this issue I was assured of full consideration and a return phone call. On XX/XX/XXXX the only progress that had been made was the payment scheduled on XX/XX/XXXX was applied to the loan " correctly ''. I was also told that none of my other concerns as a result of this incident had been addressed at all. I have still not received a phone call from Discover to this day.
Complaint sub-issue: Account status incorrect

Equifax is reporting a XXXX XXXX account as a missed payment. This account is closed and paid in full. This is fraudulent reporting and they must be held accountable with reporting inaccurate information. XXXX XXXX is the bank for XXXX Credit Card
Complaint sub-issue: Their investigation did not fix an error on your report

I sent out letter and credit report from other bureaus of the deleted information that they are reporting on my ( Equifaxs ) I sent in the deleted documents that they keep coming back wrong for XXXX for bankruptcy still Equifaxs not giving me any documents to where they claim the info come back verified 60 days later nothing change the accounts are Defamation of of my Character and not helping with Credibility I will like the to delete this
Complaint sub-issue: Other problem

I received notification via email and then checking with my online credit card account that my credit limit was decreased from {$6000.00} to {$1800.00} this morning due to reviews of my credit profile. The crazy thing is on their site my FICO score increased by 12 points within the last month and they say that my latest review warranted it. Very rare is what I found when researching this and very horrible in time such as this when my other cards are helping they decide to rob me!
Complaint sub-issue: Their investigation did not fix an error on your report

I've tried several times before to correct errors on my consumer credit report with the CRA and as of today to no avail.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Back on XX/XX/XXXX I went to purchase appliances on Home Depot using my credit card for the amount of {$1200.00}. A month later I decide to cancelled this order an purchase a better quality appliances for higher amount. I was informed by this company that i will received a credit for the {$1200.00}. Later on XX/XX/XXXX I sow a credit for the amount described. Beginning of this year I sow the same amount reflected on my account and a note saying that this promotion will expire on XX/XX/XXXX. Since XXXX of this year I am trying to fix this used also I maked a disputed with Citi Bank witch determinate I did have the credit for {$1200.00} back on XX/XX/XXXX. Obviously this bank never took the moment to review the problem and simple they answer was what Home Depot informed but never give me the credit. Now is even works because this year City Bank and Home Depot as well never apply my payment on my account and they refuse to fix this problem. I do have all the proofs to support and strong evidence they are overcharge my account.
Complaint sub-issue: Problem with fees

Hi, I opened a BestBuy/Citi card in XX/XX/2019 to purchase an XXXX  at BestBuy. I had cash and the guy talked me into this Citi card. I was told I could make cash payments and Citi would credit my XXXX account first. I had 6 months to pay off the XXXX or interest charges would apply. 

I paid off the account in full before the XXXX due date and Citi XXXX  me around, XXXX  me around, XXXX me around. denied all reality ( just like the president! ) XXXX  me around and made up a XXXX late fee ... they reversed and sent me an email saying so. I've asked them to close my account multiple times and now they want to charge me interest on the late fee they invented two   months ago and reversed. I made a payment when some bully XXXX customer service person insisted my payment be applied to the previous month ... the conversation became so nonsensical I felt XXXX. I mean it, XXXX is the right word for these XXXX. 

I want this account closed. I owe NO late fee and they are making up pure XXXX. This account is paid in full. In XXXX I owed a balance of {$170.00}. for work on my car. I transferred that full balance to XXXX   XXXX  so I would be completely DONE with the XXXX known as Citi ... but they won't close my account, re-invented the late fee after crediting my account properly, and demanding payment like it's legit. It's NOT legit. 

Honestly, Citi repeatedly makes it intentionally difficult to make payments, have those payments credited properly, and I don't have the time or energy to mess with them any more. They will hurt my credit and hurt me financially, like the pandemic hasn't done enough ... in XXXX my credit score was XXXX, now it's XXXX. XXXX the big banks for making life a nightmare for regular people. I'm not paying this made up late fee, extra interest and fees. I hate Citi and just want this account closed. I can not believe they're not doing this to thousands of people. 
XXXX XXXX
Complaint sub-issue: Application denied

I applied for a few general purpose credit cards and was denied this particular one, Citi AAdvantage, because of my limited credit history and too many recent credit inquiries. Then they had the nerve to tell me to apply for another card with them after they just denied me because of the inquiries. When I pointed that out to them, I was again told to wait a while -- as if they were waiting on me to die off. 
This is discriminatory. 

My application ID is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Lending Club in XXXX to provide them with my new checking account for payment processing. The representative assured me that she changed the checking account on my Lending Club profile and that payments would start drafting from my new account. After almost two months, I realized that all payments were not going through and I was late, with XXXX Dollars in fees, and a late payment reported to credit bureaus. I was never late prior to this incident, and have not been late since, but have ALWAYS had issues with their call center, including unauthorized payment drafting and constant misinformation. Today I spoke to XXXX in Payment processing who refused to provide me her last name. She told me, " rest assured, we had serious issues in our call center but after investigations all representatives were terminated. '' I explained to her that I do not care about her employees, or the health of Lending Club 's operations, but that her admitting of these issues is frightening, as it serves no justice to the customers you've repeatedly taken advantage of. I now have a negative remark following me for the next 7 years. She is now searching for the call because she needs, " proof '' that the representative said she changed my payment account. I have always had the money each month to pay lending club, why would I purposefully not pay my loan and go through months of XXXX between the CFPB, Bureaus, and this erroneous and irresponsible lender while also have {$45.00} dollars in unjust fees and a late remark? Somebody at the CFPB, I am begging you to have mercy and do a diligent investigation into this abusive company. She can not find the call recordings because, like all other business areas, their QA and Call-Center management is sub-par.
Complaint sub-issue: You never received your bill or did not know a payment was due

i never was late with my credit card
Complaint sub-issue: Debt is not yours

XXXX XX/XX/XXXX - AFNI, Inc notified me via mail of alleged debt of {$880.00}, owed to XXXX XXXX XXXX. 

XXXX XX/XX/XXXX - I sent debt validation request letter to AFNI, Inc IAW Debt Collections Practices Act. I specifically asked for a detailed description, an itemized description, and copies of all documents showing my agreement to purchase any product/service from XXXX XXXX XXXX. The letter was sent REGISTERED MAIL, RETURN RECEIPT REQUESTED. 

XXXX XX/XX/XXXX - I received another letter from AFNI, Inc alleging a debt of {$880.00}, owed to XXXX XXXX XXXX. In this letter, AFNI refers to my recent IDENTITY THEFT and XXXX XXXX. I haven't had an IDENTITY THEFT, nor have I ever had an account with XXXX XXXX 

I am also sending a Cease & Desist letter to AFNI, Inc, via REGISTERED MAIL, RETURN RECEIPT REQUESTED.
Complaint sub-issue: Account information incorrect

Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are XXXX XXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.
Complaint sub-issue: Was not notified of investigation status or results

I XXXX XXXX have sent several letters to the credit bureaus and haven't received a response. I've seen many incorrect and unknown items on my credit report. It's been over 63 days since I first sent out my first letters. I feel like no one has received my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me.
Complaint sub-issue: Information belongs to someone else

There are accounts, addresses, and inquiries listed on my credit report that don't belong to me. Please remove them.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, XXXX, an account with XXXX was opened in my name. In order to open the account, an inquiry was placed on my Equifax credit report. 

Shortly after I noticed the fraud, I contacted XXXX about the identity theft and they responded by marking the account as fraudulent on their end. 

Six months later, the fraudulent inquiry was still on my Equifax credit report. I filed a dispute by mail with Equifax who promptly gave me a response saying they inquired with XXXX about the inquiry and determined it was factual. 

On XXXX XXXX, XXXX, I contacted Equifax to find out what my next steps would be and they told me I needed to request that XXXX send a request to Equifax to have the information removed. I called XXXX to make that request and was told that they had already taken all the necessary steps and that they would not be able to assist me any further. 

At this point, I feel like I am at a dead end and have nowhere to turn. I 'd like to get this last item corrected on my report after months of issues with all 3 credit reporting agencies and multiple creditors.
Complaint sub-issue: Attempted to collect wrong amount

I have reason to believe that AES/PHEAA is not allocating payments fairly with respect to current legislation for Student Loan lender laws either Federally or by State. AES/PHEAA is growing to be an increasing problem for many borrowers. While they maintain they are just following protocol, they are engaging in illegal practices by only applying small figures of a total Payment to loans in their favor. Should they disagree with this analysis, I am challenging AES/PHEAA to send a copy of all financial transactions in the last 6 months for where any partial part of a total payment was applied. For historical accuracy, AES/PHEAA should provide a detailed breakdown of what exact amounts were applied to what Loan account.
Complaint sub-issue: Information belongs to someone else

I went to college on and off for years which I paid for and my employer paid for. I did not get {$40000.00} in loans to pay for my education. For many years, my credit report has shown where others have used my social security number to get credit cards, take money from my checking account, order on my XXXX credit card, which leads me to know that this to is fraud. I do not owe XXXX {$55000.00} for student loans. This is id theft and someone other than myself profited from student loans that have been linked to my social security number. My mother, nor my sister, never signed any paperwork for me to consolidate student loans according to the paper work that XXXX has mailed to me. This is id theft and it has caused my credit score to decrease from a good credit score to a very negative credit score. Please remove this information from my credit report as it is not my debt. 

XXXX XXXX Police Report # XXXX
Complaint sub-issue: Information belongs to someone else

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem

XXXX XXXX has mailed out a letter stating that Discover released information about my account to them when no permission was asked.
Complaint sub-issue: Was not notified of investigation status or results

The open date on each account has different months on it, which is no possible way the accounts were opened on 3 different days. Collection/chargeoff account showing balance and that's violation under FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

After contacting Equifax, XXXX and XXXX customer service by phone, I was told to submit the enclosed complaint. I also would like to remind you that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. I know that my information is being used to mislead, open, charge funds, inquire and whatever else, without my permission. I need these items removed immediately. Both the accounts and the inquiries.

I demanded to see Verifiable Proof, whether electronic or wet signature, of what they have on file of the account and inquiries. They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove. There is bankruptcy showing up on my credit report. This is false information as this bankruptcy does not exist.
Complaint sub-issue: Received bad information about your loan

XX/XX/2017 i have a student loan and was looking to apply for student loan forgiveness and XXXX XXXX and/or Performance SLC offer to help me and and charge for a service fee. They told me if i pay the fee then my student loan will be wiped away. i felt for it because who wouldnt want to be free from student loan. my bills from XXXX went to XXXX , i was excited and assume that my loan i gone. but after 2yrs XXXX contact me to recertify. but then i still have my loan left knowing it only went to forebearance. and now im paying the {$2500.00} charge fee and i have to be back paying my syudent loan at the same time where i could have use the charge fee to help pay my loan. i want to cancel the service but ive been searching online hoping there's help from students like me that fell for this scam. atleast they could refund the charge fee or atleast stop taking money from my account. please help i couldnt afford anything paying all this useless service when i could have done it myself for free. this company are misleading student like me so desperate to be forgiven from student loan.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference experian 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 XXXX I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four 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 XXXXThis 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 accounts and its been 60days 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 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Reporting company used your report improperly

Wouldnt work with me due to me being out on XXXX  leave from work after XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I Apply For A XXXX Card Credit Card and They Denied me Because Total credit obligations when compared to the total annual income that i provided. and this information is False the information that was provided on this Decision the correct Annual Income was Provided when i submitted the application for the XXXX XXXX XXXX Card Credit Card. so i don't understand why they denied my my credit is good i don't have any problem with my credit the Decision that they made is incorrect and i want this to be investigated this is a discrimination from XXXX XXXX credit card and also there was and inquiry on my report from this application that i made i want for this inquiry to be remove from my Equifax Credit Report XXXX XXXX CREDIT REFERENCE NUMBER : XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach and with what they have been offering to potential victims to protect them. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account indefinitely ( not just for 90-days following a consumer-requested alert status ) and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. The credit monitoring firms should be required to provide SECURE ways for consumers to freeze and unfreeze their credit. Requiring a police report is absurd when they clearly know if you were affected.