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

A new credit card was established around the beginning of XXXX and one transaction of {$32.00} on the XXXX statement. The statement address was incorrect and no statements were received. Multiple late charges and interest amounts were assessed to the account. 

On XX/XX/XXXX, I was made aware of the situation and I called in and paid the {$32.00} amount that was charged. In addition, the representative in collections waived all of the late and interest charges on the account. The account was paid in full by the XX/XX/XXXX due date. On XX/XX/XXXX when the next statement closed, there was a {$29.00} late fee that was unjustly charged because the balance was paid in full. Our understanding was that the account was paid in full. The address was still not corrected. 

We called back on XX/XX/XXXX and spoke with XXXX at US Bank  and he said that not all of the charges were waived like we thought. He said could not waive the other late fees and additional late charges, even after explaining the situation. We still haven't received a statement, but found the statement online. They are charging additional late fees without any justification.
Complaint sub-issue: Attempted to collect wrong amount

I called TeleChek on XX/XX/2022 and XX/XX/2022 to settle debt I found out I owed during a back ground check for an apartment complex. I was told that they no longer housed the debt on XX/XX/2022 and was provided a third party phone number to settle the debts which I took care of and was provided two reference numbers XXXX and XXXX for two payments coming from my bank account. I called telechek again today because the apartment complex said it still had not cleared the telechek system. I was then informed that they still showed I owed when i was originally told that the debt had been sold. i feel as though they are double collecting debts and now know that since this is a desperate situation for housing needs that i will pay regardless. this is urgent and needs fixed today as i will be XXXX
Complaint sub-issue: Information is missing that should be on the report

Equifax Has really screwed up my credit report. They have two HUGE errors and I am asking for correction and monetary settlement due to their errors.

They once again have put a DISPUTE CODE/STATEMENT on my XXXX XXXX account ( XXXX ) I have never disputed anything with them or the company and I am demanding that this statement and all dispute codes be removed from my credit report and that this never happen again. ( SEE PROOF ATTACHED ) They have also now removed a good standing account ( XXXX XXXX XXXX XXXX account from my credit report ) All good payment history gone because of these idiots and their violation of the FCRA. They have also put on there that I have disputed this account and a REINVESTIGATION is in  process. I personally spoke with my rep at XXXX XXXX XXXX XXXX and they have informed me that no dispute was ever opened. This account and all past positive credit payment history is DEMANDED to be put back on my report and that my report not be touched like this again. 

I am demanding that all incorrect information be removed and that a monetary reward of XXXX per instance a total of XXXX be rewarded to me because of this companies arrogant and incorrect behavior and because they are causing financial strain on me to take time out of my busy schedule to stay on top of this.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN TRYING TO REMOVE A N ACCOUNT -XXXX/CITI WITH A BALANCE OF {$18000.00} FROM MY XXXX CREDIT REPORT. XXXX  AND MY SELF HAVE TRIED TO GET DOCUMENTS WITH MY SIGNATURE ON FILE NUMEROUS TIMES AND THE BANK REFUSES TO RESPOND AND GIVE US DOCUMENTS TO PROVE THIS. I HAVE BEEN TRYING TO RESOLVE THIS FOR THE LAST 5 YEARS AND THE BANK REFUSES TO COOPERATE.
Complaint sub-issue: Problem during payment process

I have a citi credit card with {$13000.00} limit. I have a promotional rate of XXXX  XXXX  for 12 months with a balance of {$3400.00}. I have a flex loan with a fix rate of XXXX XXXX for 36 months. I was paying the extra for the promotional amount as their is only 6 months left, and CITI decided to put the extra toward the flex loan. 

No option for me to choose which loan to pay certain amount, as after the promotional loan expires, the amount is subject to XXXX XXXX interest. This to me is fraud or entrapment.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Confusing or misleading advertising about the credit card

At the time of the checkout at XXXX, I was offered XXXX XXXX XXXX credit card. I had asked the counter associate whether it will be a hard inquiry to my credit score. She assured me that no hard inquiry will hit my credit score. I gave the approval for the application and it was filed. I already have fair credit score since I returned to the US after long time. The application eventually could not be approved and it also hit my credit scores to the tune of 24 points collectively both with XXXX XXXX XXXX
This is not good and not acceptable at all. I was given misleading information to promote the XXXX co-branded credit card which is not ethical. My credit score is still building up to an acceptable level and already not good but now it has gone further down. Am an old customer of XXXX since the year XXXX and was not expecting this. 

Tried reaching out to XXXX through their feedback mechanism on the website and one email ID as well but did not hear back suggesting any resolution. 

Date : XXXX XXXX XXXX Establishment : XXXX, XXXX XXXX, XXXX, XXXX XXXX reported to XXXX : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

there are two inaccurate and fraud account reporting under my equifax credit bureaus, i have disputed several times and they are not helpful at all, they have been giving me attitude and not even disputing or disputing inaccurately, please help me in this situation. 
i will be attaching the documents that shows the account number and the creditors name as well as the account number. 
appreciate you consideration to help me in this situation thank you
Complaint sub-issue: Didn't receive enough information to verify debt

IC Systems didn't send me a validation of the debt
Complaint sub-issue: Their investigation did not fix an error on your report

Well the collection agency has on there like it is a new. listing or whatever when it first became delinquent and XXXX and they put it down there like it's XXXX so it will mess my credit up even more and they will not fix the issue I reported it to XXXX  I reported it to Equifax and XXXX  and not one of them has fixed the issue they say it is accurate when it is not and they're telling me it will come off my record in XXXX and it's messing up my credit even worse than what it should be right now
Complaint sub-issue: Their investigation did not fix an error on your report

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN, or DOB in order to appear in your credit file. Equifax is the only main Credit Bureau that is still not in compliance with the law. I called on several occasions trying to address the issue, but I was just given the run around. Attached to this complaint is proof of the other XXXX main Credit Bureau 's removing the non compliant public record from my file. I work XXXX jobs and take care of my mother, I do not have the time or energy to keep going back and forth with Equifax about this matter that needs to be resolved so that I can move forward with getting my finances in order for me to start my own business so that I can spend more time with my Mom. I 'm truly grateful for companies like CFPB for giving everyday people like myself a voice. I really hope that this matter gets resolved so that I can get back to my life.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/2020
Complaint sub-issue: Debt is not yours

I have tried several times to dispute XXXX of my XXXX XXXX report. Ask to validate the date, send proof. Got nothing showing this is my debt. Ive tried for years to have this remove of my report
Complaint sub-issue: Their investigation did not fix an error on your report

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Debt was result of identity theft

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT I C SYSTEM To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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. 
DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX Page XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER XXXX XXXX 15 USC 1681 section 602 A states i have the right to privacy . 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.
Complaint sub-issue: Problem during payment process

On XX/XX/2021 at XXXX XXXX Eastern Standard Time, I confirmed an online payment from XXXX XXXX XXXX XXXX XXXX for my balance due of {$190.00} on my DiscoverCard. Payment was due on XX/XX/XXXX. I had already had automatic bill pay set up through my XXXXXXXX XXXX  account, but my assumption was that because I had paid online and subsequently received a confirmation code ( XXXX, see attached ) prior to the due date, that amount would not be deducted twice. 

Unfortunately that amount was deducted twice, once via online bill pay and once via automatic bill pay. To further exacerbate things, I was charged an overdraft fee of {$35.00} from XXXX XXXX due to having insufficient funds. 

Upon speaking to Discover through their online chat function on XX/XX/XXXX ( see attached ), I was notified that though they would make a note in my account that the amount would be credited back to my XXXX XXXX  account but they could not provide any confirmation code or email that conveyed this would happen, nor would they work with XXXX XXXX  regarding the overdraft fee. It was also confirmed that had I not realized the double charging, XXXX would not have notified me of this mistake. 

On XX/XX/XXXX, I was able to confirm the amount was indeed credited back to my XXXX XXXX account. I am now in the process of trying to get the overdraft fee ( {$35.00} ) that was imposed upon my account to be waived with no support from XXXX. 

Given we are in a global pandemic with millions suffering in this economy, it is outrageous that Discover Card has this " loophole '' in their payment process. I am sure there are guardrails in place to prevent this from happening to them, were the roles reversed.
Complaint sub-issue: Information belongs to someone else

Equifax Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00}   XXXX   XXXX   XXXX    XXXX  {$7100.00}  XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

I have been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches including XXXX, Equifax, and XXXX breach
Complaint sub-issue: Problem with fees

Due to the corona virus and financial difficulties with making all monthly payments citi cards had been helping to put payments on hold and helping waivng late fee and citi said you can try to make minimum payments and late fees will be removed during the ongoing pandemic online I was not able to ask for help but when speaking with citi over the phone they did not want to waive the {$28.00} dollar late fee how can these credit companies not work with customers during these difficult time??? That is not our fault? Credit card companies need to do what the government asked them to do help consumers during these difficult times.
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 719XXXX 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 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 60 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 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. 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 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 21 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  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have never lived at this address. 

I would like for it to be removed from my credit bureau on Equifax and any other credit reports.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I hired photographer to take some professional pictures for my business. We had a consultation meeting to discuss my expectations. She suggested I use a fabric back drop wi to my brand color. She even created a mood board with the image poses I supplied and my brand guidelines she requested. I used Klarna to make my payment. Day of shoot, the photographer said she couldnt the main pose I asked for and she didnt use my brand colors. I was not happy and ask for a refund. She refused. I dont have any pictures from the shoot and Klarna refuses to cancel the payment citing that they paid the business already. I did not receive what was agreed on and Klarna refuses to help.
Complaint sub-issue: Their investigation did not fix an error on your report

My husband and I disputed many accounts and inquiries on Equifax, XXXX and XXXX in XX/XX/2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.
Complaint sub-issue: Their investigation did not fix an error on your report

Assuming that autopay was enabled, I did not initially notice when I missed a due date for a minimum payment of ~ {$35.00} ( on a total balance of ~ {$80.00} at the time ) in XX/XX/2020. I have most of my accounts ( including a different store credit card account through this same bank ) set to autopay, and had not realized that autopay was, for some reason, not an available option for this account at the time. 

The late payment notice was filed with the credit reporting agencies before any attempt was made to contact me to resolve the issue- when I was notified and contacted I immediately paid off the balance in full. 

I have attempted to work directly with the bank to get this mark removed from my credit report, but they have refused to make any adjustments.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting duplicate creditor files under different names same account numbers. I have written to both creditor and has disputed this 30 days ago. There are multiple accounts. XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. These are charge office that are reporting a balance updates on XX/XX/20 and XX/XX/20. As well as XXXX and XXXX XXXX XXXX duplicate reporting and are charge offs with a balance update on XX/XX/20 and XX/XX/20.
Complaint sub-issue: Didn't receive enough information to verify debt

I supposedly had a debt from the early XXXX in which this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX phone number listed is XXXX is claiming I still owe and they are collecting from a credit card company. The debt is so old I dont even remember owing it. Next thing I know I was taken to court for a debt that is over XXXX XXXX XXXX I panicked in court because I felt intimidated and agreed to make payments on the debt that I was told I would get all the information on the debt which this company still has not provided. Ive paid over {$400.00} on the debt but my balance is still the same it never goes down and Ive made several attempts to contact the company but never can reach a person Ive left several messages but still do not get a response. Ive contacted them to ask for the proof I was told I would receive to prove its my debt and calls and messages go unresponsive. I have recently lost my job and contacted them and actually got a live person for once in my life and explained to them the whole situation that I never received the proof and my employment situation was then told my agent would be told and would be in touch now Im getting letters stating action will be taken for non payment even though I spoke to someone and explained my situation. Now I am feeling like this company is a scam because they never call me or send proof of the debt. I was told after so many years the debt can not be collected. They take my money but the debt amount is still the same after paying on this for 2 years. No one ever answers the phone and I feel this is a scam. I ask for answers and proof of this debt but dont get anywhere but I paid because I was afraid I would go to jail because I did agree to pay in court. This debt isnt even on my credit report so I am in desperate need to know what the next steps are for me I need answers and help to figure out if this company is even legit. Please help because I dont know what else to do.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.