Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Charged too much interest

I currently have requested enrollment into the SCRA/Sailors and Soldiers Relief Act through Citibank for the 2 credit cards i have. i have spoken to Citi Customer Service multiple times. During the conversations with customer service the SCRA reps at Citi explained i should have already been enrolled. if i provided the paperwork they could enroll me. I have provided all required paperwork and each time i get a written response explaining they weren't able to enroll me. after multiple attempts my interest remains at 29.9 %
Complaint sub-issue: Other problem getting your report or credit score

Thre major Credit reporting companies XXXX, XXXX XXXX and XXXX reports Fico number on me between XXXX to XXXX and here is a compny call SageStream LLC scoring my name and my credit at XXXX as of XX/XX/2020. 
I was trying to cosign for a frien with good credit to get a car loan at a better rate of interst because I thought that my score been higher will help, is matter of fact at did the day that day we sign the contract the car dealer gave us the worst case % that will be charging. 
then on XX/XX/2020 I get a letter indicating that they regret to infor me that they can't agreed to the terms first writen in the contract beacae of the score I got from Sage Stream. When I try to contact them they don't have anybody I can ask about my score only if I give Lots of personal information to them, I was worn by XXXX XXXX not to share such information.
Complaint sub-issue: Old information reappears or never goes away

I filed for Chapter XXXX bankruptcy in XX/XX/2011. When I filed XXXX XXXX was the loan servicer/administrator. Equifax and XXXX  credit bureaus are still reporting those accts, 13 years later, as CLOSED with XXXX, instead of XXXX XXXX, as the servicer. Moreover, both are also reporting the SAME 4 accts as OPEN accounts. I did some research to try and find out how long can bankruptcies remain on your credit report ; everything I found stated Chapter XXXX bankruptcy remains on your credit report for 7 years. Both bureaus have the same information listed on their websites, and it is also listed on FICO.com. However, neither has removed the accounts. This seems to be double reporting to me, reporting the same account opened and closed. I have had financial management issues in the past that I am not proud of, but I am trying to re-establish my credit. The time-barred regulation seems to apply to this situation, but I do not know if it applies to Federal Student Loans.
Complaint sub-issue: Problem getting your free annual credit report

Equifax, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the Equifax report and received it, I clicked on the tab to move on to the next report ( the XXXX report ). The next screen gave me the option to exit the site or cancel. It did not take me on to the XXXX report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 i sent you letters about a lot of inaccuracies on my credit report, but I still havent received any response from you. I need my credit report to be cleared from all these errors and i am begging you to clear off stuffs that should not even be there in the first place. My information might have aslo been affected by equifax data breach so please go and investigate.
Complaint sub-issue: Personal information incorrect

I recently applied for credit at XXXX and was denied by a credit reporting agency XXXX XXXX. A company I have never heard of. I was being denied, because the person applying was deceased. Im very much alive, and well. I contacted XXXX XXXX on XX/XX/2018. They didnt know who they were either, and they told me that I needed to contact XXXX. I ask them why when it was not XXXX  who gave them the report. They had no reasonable answer. I was given a XXXX number for XXXX ( XXXX ). This not XXXX number, but someone trying to sell various products.
Complaint sub-issue: Was not notified of investigation status or results

I disputed all of the fraudulent accounts on my report. I have not receive any notices from the credit bureaus. None of the items that are reporting delinquent is accurate. I sent notices and by law the bureaus have 30 days to provide a written explanation I have yet received anything. It has been over days!
Complaint sub-issue: Can't close your account

I first reached out to Citibank to notify them I am representative for an estate for a deceased member on XX/XX/XXXX. The decedent lived in XXXX, AZ for more than 20 years and that is where my business is located. There is no local branch. The closest branch is about 3 hours away. I received no response and Citibank refused to update the address on file. As the Estate was winding down, I again wrote a letter to Citibank on XX/XX/XXXX to demand they close the account or release beneficiary information, if applicable. I've submitted certified court documents to prove my authority as well as an original death certificate. I also provided a copy of the husband 's death certificate, who is also listed on the account. I received a generic response indicating I could complete a small estate affidavit. I can not complete a small estate affidavit as the Estate is not small, and I have authority to administer the Estate by court appointment. The letter was sent by certified mail and a receipt was received. We also received documentation back which indicated they had been scanned by Citibank. When I called the Citibank Priority hotline, the representative indicated nothing was scanned. On XX/XX/XXXX, I again submitted my documents, this time by fax, waited a couple days and called back. Again, nothing was associated with the file and the representative would not provide information. We reached out to the branch in XXXX, CA where the account was likely opened, but the branch manager referred us back to the Citibank XXXX hotline. Again documents were submitted and Citibank claims they have received nothing. I am unable to close the Estate as Citibank is withholding Estate assets, or information regarding beneficiaries. It has been nearly a year and it is unfair to the beneficiaries of the Estate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with FCRA XXXX , has violated my rights. 

15 U.S.C. 1681section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Attempted to collect wrong amount

XXXX was the original creditor to this account and this was sold to XXXX XXXX. In XX/XX/2019, XXXX XXXX was removed from my credit report. In XXXX of 2019, Enhanced Recovery Company was added as a collection account. This information has already been disputed and removed when XXXX XXXX reported the account. Also, Enhanced Recovery Company has this reported as opened XXXX, XXXX, 2019 which is inaccurate because, XXXX XXXX did not delete the account until XXXX.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I had XXXX stolen from my card and my card provider card.com refuses to return my money
Complaint sub-issue: Account status

I asked XXXX XXXX ( XXXX ) to temporarily reduce monthly payments on my XXXX card. They replied that, in order to satisfy my request, I needed to enroll in an automatic payment plan for all of my ( XXXX ) cards until I had paid all balances or went off of the payment plan. XXXX assured me that the accounts would not be reported delinquent or late if the agreed-upon monthly payment went through. After a few months of on-time payments, XXXX reported a 90 day late payment on XXXX of my accounts. 
As I had several run-arounds with customer service that kept posting my payments incorrectly messing things up ( I had to close XXXX accounts to avoid further " mistakes '' ), I was told most recently that the 90 day late payment report went already out and therefore could not be changed. I would like XXXX to change the report about a late payment because it never happened since all payments, although reduced per agreement, were made on time.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX reporting the following Bureau Name ENHANCED RECOVERY COMPAN Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 10 Months Credit Limit Not Reported Highest Balance {$220.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

This account has been closed since well over 7 years ago and amount was disputed back then as XXXX charged a " cancellation fee '' that was not valid. This collection agency obviously bought this and is now trying to collect. Age of account is incorrect.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 i sent letters to Equifax, XXXX and XXXX to remove unauthorized accounts on my credit report that has been hurting my ability to move forward with my life. No investigation as been started to this day. 

1=Collection Bureau 2=XXXX XXXX XXXX 3=XXXX 3=XXXX XXXX XXXX It been over 30 days and now response form any of the credit bureaus on this matter. I need some kind of investigation done. Due to the Fair Reporting Credit Act if any investigation is not completed in 30 day but the credit bureaus all accounts in question must be deleted from that person report immediately.
Complaint sub-issue: Frequent or repeated calls

This is an illegal debt collection in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

This unlawful claim should be removed from my credit immediately, as Procollect , Inc. and XXXX XXXX XXXX APARTMENTS are involved in illegal credit reporting. Procollect, Inc. and XXXX XXXX XXXX APARTMENTS have no legal authority to ruin my credit reporting and implement unfair, deceptive, and abusive acts. 

Under the FCRA, Procollect, Inc. and XXXX XXXX XXXX APARTMENTS are liable for statutory damages, actual damages for injuries I suffered as a result, emotional damages for stress or physical ailments caused by this ordeal and punitive damages for these unlawful actions. 

Procollect, Inc. has repeatedly harassed me.The FDCPA prohibits debt collectors from contacting debtors at inconvenient or unusual places. ( 15 U.S. Code 1692c ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX / XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public Record : XXXX  XXXX bankruptcy filing Docket Number 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.
Complaint sub-issue: Was not notified of investigation status or results

I have been trying to resolve XXXX items showing on my credit report since XXXXXXXX XXXX XXXX I have written to all XXXX credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent XXXX letters regarding these accounts. I know they have 30 days to respond but it has been over XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

Account XXXX is being reported on my Equifax credit report. There is no creditor name listed. I sent letters to Equifax asking them to verity this account is accurate. I have yet to get documents validating this debt. How is there a no name creditor account reporting on my credit report? I have yet to get any paper work. This is a violation. I have disputed the information 6 times with Equifax. I have attached documents providing the violation..
Complaint sub-issue: Debt is not yours

XXXX XXXX has an amount of {$2300.00} on my credit report with the original creditor being XXXX. 

I initially made XXXX aware I had no knowledge of this account and let them know that I was on SSI XXXX and unable to even attempt to pay just to get it off my credit report. 

Then around after XX/XX/2019 I began receiving letters from XXXX XXXX ( at an older address of XXXX XXXX XXXX XXXX NY XXXX ) stating that I owe the amount of {$2300.00}. I responded one time via mail declaring all that I just said here. 

Clearly that letter fell on deaf ears as I received 2 letters since ( to hew address of XXXX XXXX XXXX XXXX XXXX NY XXXX ) as well as MANY phone calls ranging from XXXX to XXXX with blank or static noise filled voicemails. I feel harassed and intimidated by this company. 

Unfortunately, due to the financial difficulties I have being on SSI XXXX I can not do much so I am coming to you for help. All I would kindly like done is for this company to remove this so called debt, information and remarks and from my credit report and I will remove complaints I've filed with other agencies.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Gift card was purchased by a relative in California. He sent the gift card to my daughter here in Texas. Tried using the card to find the card was already used in California at a couple retailers. The card packaging was sealed, card was not tampered with. Please tell me how a sealed secure gift card was used at a XXXX in California when the card is here in Texas in my possession? Called US Bank to get this resolved but now being told I need to fill out a bunch of paperwork and send them my ID and it will take 90 days. doing research online, this is a very common issue. and many consumers are being told they have no recourse. This really is too much trouble for a {$100.00} gift card for a XXXX XXXX XXXX BUT based on principle, something has got to be done. This sounds like a perfect inside job. Its apparent that this has been going on for quite some time however nothing has been done or changed within the organization. One needs to ask why? Maybe its because they have not been exposed? No internal investigations? Its the perfect scenario... sell a good, make it seem like there was fraud? Keep the money in house! 
Also, the fraud case I opened with US Bank will require my ID, Paperwork and will take 90 days! I am very concerned about ID theft and now they want me to release my ID for a giftcard for {$100.00}? sending them my name address emails phone numbers isnt good enough? 
Something has to be done!
Complaint sub-issue: Other problem getting your report or credit score

SageStream , LLC reported a credit score of XXXX when i know it is XXXX i asked for a copy of my credit report on XX/XX/2020 in order to correct them. i still have not received it. i sent a copy of my valid drivers license when i filled out their forms. i was not sure i should send my drivers license but it was better than the rest of the information they wanted. i now believe that they are a fraudulent company with the intention of performing frauds with the information i supplied. they again supplied the company i requested credit with on or about XXXX i will enclose the documentation concerning it if i am able. it is in PDF form.
Complaint sub-issue: You never received your bill or did not know a payment was due

To Whom it May Concern, My complaint has to do with Citi Cards Visa Costco membership Visa card. 
My card was denied this last Saturday ( XX/XX/2019 ) when I went to make a purchase at Costco. I called and the automated attendant indicated my account was past due. I called this morning and payed the amount due over the phone using my routing and account numbers. Then I asked to speak with a person to find out how this happened. 

The person indicated that I missed two payments. They then told me I was enrolled in paperless statements back in XXXX, which I would have never done because I have a bookkeeper that pays my bills and I like to give them the paper statements. When I asked why I didnt receive by paperless bill, they said I didnt enter an email address. Then I asked why they didnt contact me when they had no where to send my bill and they said that regardless if I get a statement or not, it is my responsibility to send a payment. Why would someone enroll in paperless billing and not enter an email address?!!! They said its all automated. Whatever that means. 

Then I asked if they reported this to the credit reporting agencies and they said they did. This is the issue! I take good care to keep my credit rating high, so I asked if they could retract the notification to the credit agencies and they said they couldnt and I would have to contact all the reporting agencies and appeal it myself. I pay my credit cards in full every month and Citi knows this as I have never missed a payment or carried a balance. 

There is push right now to make everyone go paperless. Im older and I dont want to go paperless. This has happened with another one of my accounts as well ( a car lease ). I believe there is a push by all companies to not send out bills anymore. I believe a somewhat deceptive practice is going on when you log on to their websites that forces you into paperless unless you opt out, rather than a deliberate opting in. When the mistake is theirs, or at least substantially on their end, I find it onerous on the part of the customer to have to track down all the reporting agencies, then make an appeal, that in the end may be denied. If the companies can report a missed payment, but the mistake is on their end, why cant they retract the credit reporting company notifications. 

Ultimately, I would like Citi to retract their credit reporting agency notification that I dont pay my bills on time. Please advise. 

XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

In XX/XX/XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to equifax, transunion, and experian but not haven't got a response. I moved to my new home XXXX XXXX XXXX XXXX XXXX, IL XXXX and I am still being bothered by collection agencies and still have discrepancies on my credit profile. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.
Complaint sub-issue: Seized/Attempted to seize property

XXXX threatened to seize my assetts and garnish my wages, when I said a judge would allow payments life I was offering to make she said they 'd garnish and seize without it going to court. She said they 'd just take my income since they know where I work. She lied about calling XXXX I told her that has n't been my number for years, she said she 'd left a message. I told her I could prove it was n't my number for years. She told me they would n't agree to payments but we 're going to proceed in garnishing my wages
Complaint sub-issue: Account information incorrect

I have requested an investigation be completed by XXXX, XXXX, and XXXX   to request the data furnisher of my student loans, Nelnet Inc. report my payment history on both my accounts accurately. The dispute came back as verified, however clearly the reports are inaccurate. 

On XX/XX/XXXX, I reviewed my credit reports provided by XXXX XXXX. I found the following errors : The XXXX and XXXX payment history on both accounts show XX/XX/XXXX as OK, then the next month on XX/XX/XXXX the payment history shows 90 days late, ion XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XXXX shows 120 days late. The payment history is clearly inaccurate. How can I be OK one month and the next month on XX/XX/XXXX be 90 days late. Please correct immediately. According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. 

The XXXX payment history on both accounts show OK in XX/XX/XXXX, and the very next month in XX/XX/XXXX as ninety days late. This is physically impossible, and clearly inaccurate. The next month in XX/XX/XXXX the payment history changed to 120 days late, the in XXXX it shows 150 days late, then in XXXX  180 days late, then in XXXX of XXXX 180 days late. 

According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. According to the FCRA, the data furnisher is subject to fines and penalties if the information is not verified accurately, timely, and within compliance.
Complaint sub-issue: Can't close your account

For the last few months Albert bank has been charging me a {$9.00} fee and because my info didn't match with how the so called account was opened I am guessing because they stopped responding, they have not closed it. Apparently this is an ongoing thing because they charged me again a few days ago.