Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

I have a XXXX XXXX XXXX. I have a citi credit card set up on autopay. On XX/XX/23, I found XXXX charges from citi. XXXX purported to be a returned check fee and the other an insufficient funds fee. Both carry the same transaction number and both claim to be the result of a returned autopay. 

1. Although an autopay was due around this time, the bank records show a sufficient balance available and show that no attempted debit was made. 

2. The auto debit was {$25.00} and the XXXX fees ( differently styled returned item fees ) amount to {$90.00} in fees. 

The only contact with Citi advised that she was not authorized to address such issues and could not reach a supervisor. She was only able to read a script stating that the " fees are valid ''. She was unable to define the nature of the fees, explain why there were XXXX separate fees in differing amounts for XXXX alleged transaction or provide a transaction ID to prove Citi made a successful autodebit attempt. The only information she could offer was a XXXX XXXX XXXX write a letter to Citi. A copy of this complaint will be forwarded to that XXXX XXXX XXXX Citi has violated the terms of their own contract by applying multiple fees to XXXX transaction and has engaged in fraudulent practiced by failing to attempt a transaction and then gouging the customer, TWICE, for their failure.
Complaint sub-issue: Trouble with how payments are being handled

I attempted to pay a Nelnet loan group in full on XX/XX/2019. I tried to pay by debit card but Nelnet said that my account number on file was sufficient. Several days later, the payment wasnt processed and declined. I called Nelnet to make the payment by debit card and the debit card was declined. I increased my debit card limit to pay the loan group successfully and I call Nelnet again and they said it is US Department of Education/Nelnet policy not to let me make a payment more than {$2000.00}. Im begging for Nelnet to accept my payment so I dont accrue any further interest in this loan group. This is sadism.
Complaint sub-issue: Account status incorrect

I had loans through XXXX XXXX, they were consolidated with Fedloans. A lawsuit was done and I was told I no longer owed money on these loans. They are still showing open through Fedloans and on my credit report.
Complaint sub-issue: Old information reappears or never goes away

The three major credit bureaus have old credit that have passed the statute of limitations and will not remove them
Complaint sub-issue: Reporting company used your report improperly

Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of 1974 and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 20 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, have a higher mortgage interest rate, higher car loan interest rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future. Equifax also admitted their fault in their own statement which reads " We at Equifax CLEARLY understood that the collection of American consumer information and data carries with it enormous responsibility to protect that data. We did not live up to that responsibility. ''
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX has posted several credit inquiries under my credit report that I do not recognize. 
- XXXX/XXXX -XXXX XXXX XXXX - XXXX - XXXX/XXXX - CitiBank I am filing this complaint because all of these have negatively impacted my score.
Complaint sub-issue: Investigation took more than 30 days

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX and Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX and Equifax failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Complaint sub-issue: Was not notified of investigation status or results

Equifax leaks my personal information, and the information of millions others, and does n't tell any of us, directly, for over 30 days. I learned from the news. Completely irresponsible, the company should be shuttered and its executives driven to bankruptcy. Also, they have the gall to push their services on the site that tells us if we were compromised? Outrageous.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so these items should be deleted properly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this entire ordeal has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Problem with customer service

Every time I try up upload supporting documentation to this loan servicer the website is inoperable. No one responds via " customer service '' when you email them about the issue and when you call you are promised a call back with no response. This servicer is clearly doing this by design and it is not an occasional occurrence.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. XXXX XXXX XXXX IN, has violated my rights and ALLY FINANCIAL has violated my rights. 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 report agency cannont furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

Final attempt to resolve this matter : I send a certified letter on XXXX XXXX and made a complaint with cfpb.gov on XX/XX/XXXX with proof attached showing the accounts listed below are reporting inaccurate on my credit report and yet this matter still has not been resolved. So now I`m submitting a complaint again with cfpb.gov and ftc.gov/complaint because I`m keeping record of every complaint, so I can file a claim against you. I am asking for reinvestigation, according to Bureaus section 1681. In addition, you have violated section 623 because you refuse to correct the information after I provided proof of inaccuracy, which is defamation, willful injury. 

The reason for this complaint because you consistently violating the law by reporting inaccurate information without valid proof. Please see below I have listed each account in detail, explained the reason for inaccuracies, and enclosed valid proof showing my finding are valid. 

After reviewing my finding, please deleted theses accounts immediately. 

1.For Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Tx, XXXX is invalid, please delete this information immediately. 

XXXX account # XXXX Equifax reporting account type/detail as unknown and XXXX  and XXXX reporting account type detail as credit card, this inaccurate information, delete this account. 

Equifax reporting high credit as XXXX, XXXX  reporting high credit as zero, and XXXX reporting high credit as XXXX, per violation credit agencies can not report different balances, delete pre violation. 

Equifax reporting credit limit as zero, XXXX reporting credit limit as XXXX and XXXX  reporting credit limit as XXXX, This is inaccurate because there can not be a XXXX-credit limit with one agency and credit limit with another, this inaccurate information, delete this account. 

Equifax date of last active XX/XX/XXXX, XXXX  date of last active XX/XX/XXXX, and XXXX  date of last active XX/XX/XXXX, theses dates are about 1 year apart which makes this account inaccurate, delete this account. 

Dates of last payments between all 3 credit agencies are about 1 year apart, per violation delete this account. delete this account per violation and failed to investigate In addition, date of last payment states XX/XX/XXXX, which is 7 years and 6 months to date, which this account has past the 7-year reporting and two-year payment was stating CO/ information is unavailable. delete this account per violation. 


My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report o this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Can't temporarily delay making payments

All of my loans ( private and federal ) are in deferment until XX/XX/2022. Sallie Mae continues to harass me through email, phone and direct mail about paying these loans. I am already in the process of having my federal loans forgiven because the school lied and defrauded me, overcharged and misled me as to what I could do with my degree.
Complaint sub-issue: Trouble using the card to spend money in a store or online

In XX/XX/2021 I attempted to use my US Bank XXXX that was given to me via XXXX XXXX XXXX XXXX. My card was declined and upon calling customer support, I was informed my account was " restricted '' due to " suspicious activity ''. I asked what activity was suspicious and they could not provide me with any details. In order to unlock my card I needed to submit my ID front and back along with a selfie using the self-service portal verify.usbank.com. I have submitted the requested documents numerous times and they claim to never received them. Another time I submitted the documents they claimed they could not read the documents. Not being successful I asked another way to verify and I've received conflicting statements as to whether I can send a fax to verify my identity. One representative says there is a note on my account that specifically says my account can not verify via fax but yet they say they have received past documents but that they were unreadable. I went as far as to getting a whole new ID, had the librarian help me scan the document enlarge by 200X and lighten 2 shades and fax to the number 3 separate representatives provided upon my request. This last time I faxed the document they again said they could not read the document again. This has been an ongoing headache and nightmare as the account in question is where my child support payments are loaded to. It has been XXXX months and I have XXXX month worth of payments I have no access to and have been having problems making ends meet. The quality of my ID is brand new. It's not going to get any better than following very close to the instructions they give I have completed what they ask but they continue to insist they can not verify my identity. I requested to speak to the senior representative and he says he has the authority to handle my case, and I asked what on my ID he could not read. He did not know but said the document verification department is the one who says it's verified or not. I asked him to look at it to see what can't he read but he said he doesn't have access to that.
Complaint sub-issue: Account information incorrect

Today is XX/XX/2019 ..I been fight with this company call XXXX XXXX about these late dates they are reporting on my credit reports after return the car into them and they are just keep reporting wrong info Evey month on all 3 credit bureaus k check my credit this morning my score drop 23 points because of them Equifax it's says charge off XXXX it says repo XXXX it says repo so it's not reporting right and I want them to remove it from all 3 credit bureaus asap they messing my whole life up with this ...
Complaint sub-issue: Their investigation did not fix an error on your report

Discover credit claims there is a late payment on my credit but did not provide proper transactional documentation..only randomized dates and various amounts that didnt show any time of payment history or anything of this nature
Complaint sub-issue: Investigation took more than 30 days

I sent in my complaint to Equifax XX/XX/2021. Equifax signed for my complaint XX/XX/2021. By law, theyre given XXXX business days to block the fraudulent information resulting from identity theft. 

Today at XXXX I called Equifax and Ive spoke with a manager named XXXX at Equifax XXXX XXXX XXXX, located in XXXX, GA badge # XXXX. He informed me Equifax does not have to block fraudulent information unless they're provided XXXX pieces of information from the consumer. 
XXXX. Social Security card XXXX. Drivers license XXXX. Proof of address XXXX. XXXX Report XXXX. XXXX from the consumer The law states otherwise. XXXX XXXX XXXX state only numbers XXXX is needed. 
XXXX. Drivers license XXXX. Proof of address XXXX. XXXX Report XXXX. XXXX from the consumer I asked XXXX where I can find this information in which he told me, and he stated '' the information is internal here at Equifax ''. Being as so, me as a consumer would never have access to this information being that I'm not an internal party to Equifax. I can only go off the laws set in place to protect the consumer, which Equifax seems to contradict. 

Equifax has come up with their own rules in the procedure to block information resulting from identity theft and it is contradicting the law XXXX XXXX XXXX. 

On top of that It has now been over XXXX days, and I have not received any response form Equifax in regard to my disputes.
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, Account # XXXX. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Account name # : XXXX  XXXX XXXX, XXXX, Account # : XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXXccount # 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 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: Threatened or suggested your credit would be damaged

Original account was XXXX XXXX/XXXX. Acct No XXXX. 
XXXX XXXX XXXX XXXX, MN XXXX I do not owe this bill and know it. Many attempts were made, and I have challenge this debit for two years. I have repeatedly asked XXXX XXXX to confirm the debit that I owed the amount ~856.00 or remove it from my credit profile. with no notification account was sold. Thus, in XX/XX/XXXX XXXX XXXX removed the account from all 3 reports. Subsequently XX/XX/XXXX the account showed up on my XXXX credit report. with out proving their case XXXX XXXX sold there claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt collector has failed to contact me as of XX/XX/XXXX and their report date shows XX/XX/XXXX ( nothing was there till XX/XX/XXXX ). XXXX XXXX has taken action to report on my credit report with out proof of debit. I have responded by sending XXXX XXXX a letter that demands proof that the debit was actually incurred by me. ( Logic dictates if XXXX XXXX could not prove their claim neither can XXXX XXXX ). 


I feel your agency is the last hope for an equatable solution to this harassment. thank you for your in advance help XXXX XXXX
Complaint sub-issue: Account information incorrect

1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX College were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. XXXX XXXX XXXX has fraudulently reported late payments to my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed XXXX hard inquiries that do not belong to me. I contacted all three credit bureaus and put an investigation, which resolved nothing. 

The hard inquiries in question are : 1- XXXX 2- XXXX I also tried to get it removed by contacting the actual companies who did this inquiries and was told to dispute it with my credit reporting bureaus.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX ( address XXXX XXXX XXXX, XXXX, CO XXXX, phone XXXX ) is attempting to collect money for estimate from XXXX XXXX ( XXXX XXXX XXXX, XXXX, CO XXXX, phone XXXX ). This estimate was not signed or agreed upon.
Complaint sub-issue: Frequent or repeated calls

This collection agency is using unethical tactics to collect a debt. I requested the following information from them to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees to validate this debt.
Complaint sub-issue: Investigation took more than 30 days

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 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  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 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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 three 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.next step is to take XXXX to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX.