Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I had an account with my daughter ( XXXX XXXX ) at XXXX XXXX that was CLOSED in XXXX. KeyBank opened a XXXX  XXXX XXXX with my information. We received a bill for {$30.00}. I spoke with with KeyBank 's financial fraud department on XX/XX/XXXX and disputed the transactions and was told the account was closed ( spoke with XXXX XXXX # XXXX ). I received a letter from KeyBank and called again on XX/XX/XXXX and spoke with a representative ( reference number XXXX ) who told me the credit account was closed and I was not responsible for charges. I discovered when I went to purchase a vehicle that this was a " blemish '' on my credit report. On XX/XX/XXXX, I contacted KeyBank and was on the phone for over 2 hours being transferred from one department/individual to another, eventually speaking with XXXX ( reference # XXXX ) who indicated that I should submit a Credit Bureau and Consumer Report Dispute Form to KeyBank Links Customer Service Area and I would receive a response in 30 days. I submitted this report online and never received a confirmation. 
My FICO score is being impacted due to a " delinquency balance in XXXX '' and a balance is still listed ( on my XXXX  Credit Report ) when I am trying to obtain a mortgage.
Complaint sub-issue: Information belongs to someone else

I believe I am a victim of identity theft. I noticed these items on my credit report in XX/XX/2020. This identity theft has caused great distress in my life and has put me in a great XXXX. Identity theft has cause emotional, mental, and physical turmoil in my life and has caused me to not be able to care for myself and my family the way I would like.
Complaint sub-issue: Information belongs to someone else

After looking at my credit report I found many accounts that are reporting inaccurate that aren't mine. These accounts are causing serious harm to my credit profile. On XX/XX/2020 I wrote Equifax about these inaccurate accounts reporting that aren't mine. THEY HAVE FAILED TO RELPY BACK WITHIN 30 DAYS. PLEASE DELETE THESE HARMFUL ACCOUNTS.
Complaint sub-issue: Problem with fees

On XX/XX/2021 I made an online purchase of {$10.00}. Later, I realized that Elan Financial Services that manages my credit card through Fidelity Investments charged me a " cash equivalent fee, '' of {$20.00}. On XX/XX/2021 I learned that I am being charged minimum interest fees as well of {$2.00}. Sometime last week, I called the credit card company to dispute the charge and was basically told to go and fly a kite because I should have known that the charge was considered to be an online casino. When I made this online purchase, there was no warning that this would be considered a cash advance. I find this practice to be misleading and borderline fraudulent. As such, I urge the XXXX to launch an investigation whether Elan Financial Services knowingly " hides '' information in order to be able to charge ridiculous fees - imagine {$10.00} purchase, receives {$20.00} fee, plus {$2.00} continued interest.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.
Complaint sub-issue: Didn't receive services that were advertised

To Whom It May Concern : Im writing this letter regarding the consumer XXXX  and the creditor ACIMA CREDIT. At first I was looking for an eyeglasses and saw this ad from XXXX. It only cost {$59.00}, but then on the actual cost when you set your appointment with them, it will balloon up the payment from {$59.00} up to {$1600.00}. This is the reason why Im writing this dispute letter to inform about the misleading advertisement and how they get money from my credit card for the payment, almost weekly and without my consent they keep charging my credit card. They even report me to my credit score which affects my credit score last XXXX of XXXX which is now it already added to credit report. 

Payment dates : 1st payment - XXXX - {$50.00} XXXX. XXXX = {$26.00} XXXX. XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} Dear, Your early purchase option ends on XX/XX/2020. 

Today 's payoff amount is {$450.00} + applicable taxes. 

To take advantage of our early buyout option, please contact us immediately to make the appropriate payment arrangements. After XX/XX/2020, you will no longer be eligible for the first early buyout discount. 

If you have any questions you can chat with us ( Monday - Friday XXXX XXXX - XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX  MT ). 

Sincerely, Acima Credit | Customer Service XXXX For your information and investigation
Complaint sub-issue: Charged too much interest

Costco Citibank Visa credit card has started charging me and other consumers interest on purchases whenever you get a cash advance in the month even though I had paid the card balance in full for the previous statement closing balance. This is not how the terms of the Costco credit card are! I told Citibank customer service reps this should not be done, but they did not care to rectify it or interested in correcting it.      The initial Citibank rep could not understand it when I talked with her. This should tell you there is a problem here.
Complaint sub-issue: Reporting company used your report improperly

I AM A FEDERALLY PROTECTED CONSUMER. And in light of the recent investigations brought upon EQUIFAX. I find my consumer file is irresponsibly tampered with. Ever since the first EQUIFAX BREACH 2017.I have made several attempt to remind EQUIFAX of there DUTY PURSUANT OF 15 USC 1681. It appears EQUIFAX is intentionally and willfully being neglectful in remedying my affairs. 15 USC1681E ( B ) assures that I am due promised accuracy in my report based on FEDERAL LAW. This is another attempt by going thru the CFPB to have errors corrected on my consumer report 15 USC 1681i ( A5 ) SAYS that after all reinvestigations all the unverified information be removed. You can see in your system that these accounts I list below that were previously disputed without being thoroughly investigated thus I know that it cant be verified or validated ''. EQUIFAX DELETE THESE ACCOUNTS 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
Complaint sub-issue: Their investigation did not fix an error on your report

Someone tried to apply for a XXXX pay later account in my name disputed it but wont give me no information says to contact XXXX number but doesnt connect to anyone and when I did talk to someone asked me questions that didnt apply to me I answered correctly but told me I didn't wouldnt give me any information, and score dropped substantially for no reason at all I have been working on fixing my credit and my score is dropping from this person and credit bureau nothing has changed on my credit for it to drop for no reason
Complaint sub-issue: Account status incorrect

Equifax continues to report 4 accounts from XXXX XXXX that have been removed completely from my other two credit reports XXXX and XXXX. These need to taken off!!! 

XXXX XXXX {$120.00} XXXX XXXX {$120.00} XXXX XXXX  {$110.00} XXXX XXXX  {$120.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9.XXXX XXXX XXXX 10. XXXX XXXX XXXX in my name at any time.
Complaint sub-issue: Their investigation did not fix an error on your report

Around XX/XX/2022, I discovered that Nelnet is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with Nelnet transferred to XXXX in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my XXXX and XXXX credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. Nelnet is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. XXXX completed their " investigation '' in less than XXXX weeks and stated my loan with Nelnet was accurate. I then contacted Nelnet and explained what I was seeing on my dispute report. The Nelnet representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from XXXX that Nelnet DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with Nelnet. The representative told me she could not send me anything like that through email. I then informed her that Nelnet did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from Nelnet stating I paid off my XXXX loans with them. I then did another dispute with XXXX and uploaded the emails from Nelnet. I then contacted XXXX and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this Nelnet inaccuracy. I have also reported this to my state 's Consumer Protection Division.
Complaint sub-issue: Information belongs to someone else

I'm the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Complaint sub-issue: Debt is not yours

AmeriCollect Inc added multiple medical debts to my credit report. 
Amount {$100.00}, {$130.00}, {$160.00}, and {$230.00}. 

On XXXX XXXX i sent AmeriCollect Inc a certified letter return receipt requested. AmeriCollect has not validated any debt with the original contract with my signature, also they have violated my consumer rights and have no permissible purpose.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

On XX/XX/2017 a letter was sent by myself to CitiBank regarding a credit card that we were having trouble keeping up on the payments. We were working with an advisor who told us to send a letter about the situation and and ask to speak with them. Part of the letter sent is attached. The other portion just stated our hardship and we were looking to work with Citi to get this situation resolved. We did receive a letter back and all it stated was to call them. I began calling on XX/XX/17 when the letter arrived. I have attached my call log but also provided a summary here. I was never allowed to speak with anyone regarding the account. Each phone call I was just told account was under review and given a date as of when to call back. When I called back at each date given, I was told once again account was in review, no one could speak with me. The date to call back just kept getting later in the month. In total, 5 phone calls were made by me and I was never spoken to about anything regarding the situation. The ID numbers provided by the representatives who answered the phone are also provided in the log I have attached to reference each call. On the last call XX/XX/2017 I was told the account was sold. They would no longer speak with me. This was not even to the date of XX/XX/XXXX that they said would be when to call back. I just kept calling even before the dates given to try to get some sort of communication and resolution. The account is now in collections without any communication from Citibank and never once being able to speak with anyone at the company in any manner or form. They did not reach out except the letter in the beginning that said to call. Again I did. Again they never took the calls. The dates given as to call back to speak to someone just kept getting extended until one day, 4 days ahead of the date I was told to call, they said they would no longer speak to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX, Discover Financial Services made 18 inquiries about my credit within a 7 month period. Some of these inquiries occurred 3 and 4 times in one month. Below are the specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

To my recollection I didn't have a Discover account during this time-frame nor did I owe them any money from a previous debt. The only account remotely related to Discover was a XXXXXXXX XXXX XXXXXXXX card that was paid off in XXXX of XXXX. 

According to my rights on this same credit report it states that " Access to my file is limited ''. 18 inquiries within a 7 month period is limited?? I have to pull a more recent credit report to see if these actions are still taking place and if they are than I may be forced to seek legal action as this adversely affects my credit report and have recently had issues obtaining credit for major purchases.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Greetings I explain to AES Im not sure I just got a whole bunch of mail but I didnt sign up for those loans I wasnt the person attending the schoolXXXX XXXX XXXX attended XXXX University I tried to explain to them Im not responsible for those loans and they continue to harass me ask them to remove them from my credit report and they continue to send me letters and harassing me because they cant find XXXX XXXX I didnt sign those long I didnt ask for them I would please appreciate them removed from my credit report I will try my best to find out where she lives and her phone number so that they can deal with her she was a XXXX of that university not me please remove that debt from my report it does not belong to me she fortunately use my name I am a XXXX   and Im retired and its very stressful for me Im homeless I cant even get a place to live because of these things on my report that I asked to be removed
Complaint sub-issue: Inadequate help over the phone

As my husband and I near the discharge of our debts after four long years paying a chapter XXXX, our indebtedness will be over XX/XX/2016, and we are making a diligent effort to repair and restore our credit as much as possible. Both on line and over the phone, the program times out before I can complete the application, or just when I am ready to hit the submit button. Via phone, the system is automated and I can not reach anyone over the phone. It is frustrating to keep entering the info on line, only for a system error to pop up then I have to repeat it over and again. I have told both Equifax and XXXX over and over that they are reporting incorrect information regarding our mortgage and that we have been late just once, and on the smaller mortgage, we were stripped of it via bankruptcy. They wo n't listen, and keep reporting inadequate information. We ca n't get in touch with them.
Complaint sub-issue: Frequent or repeated calls

Based on my submitted complaint below I am now being harassed with phone calls in an attempt to collect a debt that is not owed. My account is currently update but the company closed it regardless. 

Citi Cards closed my account while I was on a payment program arrangement due to hardship during the covid19 pandemic.My payment are current and in good standing and I have credit available. But yet they chose to close the account regardless. To take this action in the middle of a pandemic when I was trying my best to pay them and keep the account in good standing I deem it inhumane, discriminative and predatory practices. As a result of their actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should not just send out letters to the company company but investigate the issue at hand and punish them accordingly. As previously stated and in case I need to remind anyone we are in the middle of a pandemic and people are suffering both health wise and financially also. Their action are unjustifiableand should not be allowed under any circumstances. XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted the account listed below & they told me I've never missed a payment, yet XXXX refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX 's job To shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile. 
XXXX XXXX XXXX Date opened XX/XX/2018 Balance {$330.00}.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/2013, I made a mistake in taking out a loan with CashCall. The amount was for {$2600.00}. I informed the representative that took my call, that I did not need that amount and informed him I wanted something less. I was informed the interest rate was $ 183.06 %. I was instructed to take the full amount of {$2600.00} but informed that if I make a payment for half the amount, that interest rate would lower. My first payment was for {$1100.00}. Little did I know that the amount I was paying was only going towards the interest and not the actual loan amount, I was lied to. I continued to make monthly payments. Overall I've submitted {$4100.00} to CashCall. I filed a dispute with CashCall and they ultimately closed my account and listed a charge off on my credit report for the amount of {$1300.00}. After requesting validation from a 3rd party they sold my account to, I received a letter claiming I owed a balance of {$870.00}. The information CashCall submitted to the credit agencies is incorrect. CashCall needs to remove this charge off from my credit file since the amount was paid in full.
Complaint sub-issue: Having problems with customer service

I graduated from a XXXX program in XXXX of XXXX. I started a XXXX in XXXX of XXXX, however was not supposed to be listed as being in school and my loans spent the usual amount of time in the grace period, ending in the XX/XX/XXXX. I immediately signed up for a income based repayment plan and autopay to take advantage of the .25 % reduction in interest. I was then notified that my loans were back in deferment because the school had listed me as a student. In XXXX, I began the process of trying to solve the situation, however most employees at Nelnet that I spoke with had no clue of the correct way to proceed. After sending exact information that I was told needed to be sent from my school, I was told that it was not sufficient and that I needed to send a specific form. Unfortunately, my school listed the incorrect year again and delayed the process. It took me a while to get back to address the issue. Every person I spoke with indicated that there should be no problem retroactively applying the 0.25 % interest reduction once resolved to the original sign up date. I was just notified today that they would be retroactively applying the discounted rate to XXXX because that is when they received the correct form. There were multiple failures from Nelnet in processing this problem and should have been solved with the first phone call. They are acknowledging that there may have been human error, but refuse to retroactively date the interest reduction to when it was initially applied. The representative I spoke with today indicated that leadership had reviewed the issue and this was their final answer. I do not accept this as an acceptable conclusion to their failures. They indicated the reason was that I took so long to turn in the 2nd form with the correct year of graduation.
Complaint sub-issue: Billing problem

Honor had to to pay {$100.00} put a month I missed on the back end of my loan. Since they went into my bank acct and withdrawn additional funds my bank returned the payment. I also made arrangements and said it will be best to pay my loan each month by XX/XX/XXXX!!! This company sends my text messages from personal cell numbers and I have asked them to stop doing that! They will text me saying you are behind in your loan when Im not! Please help ... A man called me saying that he was the Vice President if the company.
Complaint sub-issue: Debt is not yours

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for AFNI license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101.  AFNI does not have a license in the state of TENNESSEE. Their license expired in  XXXX   XXXX ,    2016. T hey can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105 st ates no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each   location at which it conducts business a location  manager who ha s submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  AFNI is  in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Complaint sub-issue: Information is missing that should be on the report

I opened a secure credit card with us bank in XXXX MN back in XX/XX/2017. They said if I opened the account with XXXX dollars that they would report it to my credit report all three XXXX XXXX and the other. But that did not happen. It has cost me a great ammount of money because of a larger ammount on interest on my car loan and other loans. I trusted the bank but they did nothing. When I called them they said I have to send them a letter. But the damage has already been done. I was mislead in truth and lending by us bank. And I explained to them that the damage has been done and they responded oh well. I feel I was dupped and felt sure that I could trust what they said to me was truthfully. I would have never opened a secured credit card with them if only they do is charge me fees for my own money. Missleading into beleaving something that was not the truth is wrong. And when I want to close the secure credit card they say I have to send a letter. But I opened it at the bank why can I not close it. They keep assessing fees of late payments of my own money please help me.