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

I paid the full balance shown on my XXXX statement ; however, unbeknownst to me, was charged a {$2.00} Minimum Interest Charge Fee. I was subsequently charged a {$21.00} late fee for not paying the minimum interest charge, which again, I wasnt aware of. 

I called Comerica customer service on XX/XX/2020 to explain the situation and request a refund. The representative refused to refund either of the fees, and then asked me if Id like to close the credit card account. 

I ended up having to pay a {$21.00} fee for not paying a {$2.00} fee ( that again, I wasnt aware of ) and closed my account. 

This is a predatory practice that has likely affected hundredsif not thousandsof consumers who deserve refunds, particularly in light of the global epidemic and economic downturn.
Complaint sub-issue: Debt was result of identity theft

I have already filed a claim with this Klarna regarding accounts and tried to get this resolved however I am just not getting anywhere just more debt and accounts being turned over to collections. I have explained that my debit card information that was used was closed due to fraudulent behavior. My account was used without my consent or knowledge.
Complaint sub-issue: Problem making or receiving payments

XX/XX/XXXX-opened a " checking '' account with XXXX XXXX it is advertised as a checking account XX/XX/XXXX-fund account 1200.00 - my merchant banking deposits from processing my business credit card is connected to this account.

XX/XX/XXXX-i contact XXXX XXXX to ask where my debit card for my account is they say it would arrive within the next couple days XX/XX/XXXX-still no card and im now being told that it will be another 14-18 days for it to arrive ive also been told that this account is not a checking account as it was advertised online i can not order checks to this account. it is just a debit card. that is not what i signed up for or agreed to " free checking '' because of app problems i can not link another external account to withdraw my money. i have also contact XXXX XXXX XXXX who actually holds the account and the phone just rings and rings.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. 


XXXX Account # XXXX XXXX US Dept ED Account # XXXX XXXX  XXXX Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C. 1618 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Ive sent letters off and receipt confirmation on XX/XX/2022 From Equifax. Here is my United State Postal article # XXXX and received confirmation from XXXX XXXX, confirming Equifax did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to

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 an account without my written instructions AND I did not give anyone written instructions.
Complaint sub-issue: Report improperly shared by CRC

Company : ProCollect Pro-Collect purchased my account from XXXX ; however, XXXX falsely reported my account as XXXX ( XXXX ) accounts, not XXXX ( XXXX ). Original account has a closed status. 
XXXX XXXX XXXX, Customer Service Rep at ProCollect, verbally told me over the phone that the account was duplicated. ( XXXX contact information at ProCollect : XXXX phone XXXX ext. XXXX ). XXXX XXXX also told me that once I make settlement payment, the account AND duplicate would be deleted from my credit bureau records. 
XXXX account was deleted from XXXX ; however, the other XXXX major Credit Bureaus : XXXX and XXXX, still reflect an outstanding balance. 
Double reporting the same debt is in violation of my rights per the FCRA. 
I want the ProCollect items pertaining to the XXXX account deleted. This debt has been met and satisfied per the FCRA
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$840.00}, XXXX - XXXXXXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report to 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: Indicated committed crime not paying

This is an XXXX XXXX XXXX XXXX account that I once had and cancelled the services because I was having problems with it. When I called to speak with a representative they informed me a return equipment box would be sent to me. I was also told that if I return all of the equipment back to XXXX XXXX XXXX that I would not owe anything on this account. The day that I received the box, I packaged up all of the XXXX equipment and returned the all of the equipment back to XXXX XXXX XXXX. When I had done this I called them to let them know it was sent back and the representative told me that I would not owe anything.
Complaint sub-issue: Attempted to collect wrong amount

I financed a vehicle which had major mechanical issues I was unawre off shortly after my original purchase. I attempted multiple times to switch out the vehicle with the dealer but I was denied every time and told that i had to deal with the vehicle I purchased on my own. now since I no longer have the vehicle it is extremely hard for me to obtain a new vehicle because I have a repossesion reporting on my credit due to a situiation I was falsely lead into and mistreate. Please help me remove this account from my credit so I can obtain a new vehicle which will help me and my family improve our standars of living tremendously
Complaint sub-issue: Account status incorrect

The information regarding XXXX XXXX for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.
Complaint sub-issue: Other problem getting your report or credit score

Several years ago, after repeated public disclosures of credit breaches, I went to the primary Credit Bureaus and established Credit Freezes. During the process of opening accounts a different financial institutions I was successful at releasing the freezes for a week or so and then having them established. I then had an issue with going online with Equifax to have the freeze opened for a week, and was rejected from the account. After several attempts they totally blocked my IP address and would not let me even attempt to access the account. I eventually reached their data center, and was told to fax my passport and driver 's license, which I did XXXX XX/XX/20 XXXX. After several weeks and no response, I mailed them another follow up confirming the fax with passport and drivers license and asking what more was required ( XX/XX/20 ). What was amazing was the on XX/XX/20 I received a notice ( dated XX/XX/20 and post marked XX/XX/20 ) telling me my security freeze would be lifted from XX/XX/20 to XX/XX/20. I could not believe it. I asked for a name of a person and a contact number to resolve the issue. I never hard from them. 
I have tried dozens of times to contact Equifax, but their systems do not allow me to even register a complaint. I get dumped completely. 
What is interesting is that they do allow you to buy a monthly membership to MyEquifax, for a fee, where they will allow you to talk to a person. The organization that controls the online access to remove freezes is a separate organization and they can only transfer you call, to an automated system that will just kick me off the call. It almost sounds like they are trying to extort a monthly fee to be able to access your personal account. 
What can be done?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit report act XXXX XXXX  Account number XXXX XXXX XXXX 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: Public record

ALL CREDIT AGENCIES CONTINUE TO VIOLATE FCRA WITH REPORTING PUBLIC RECORDS OF BANKRUPTCY 4 TIMES ON CREDIT FILE/ NOT MY ACCOUNTS/ ID FRAUD
Complaint sub-issue: Their investigation did not fix an error on your report

Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.
Complaint sub-issue: Can't temporarily delay making payments

I have wrote sallie Mae and sent them a letter ask them to release my co signer because I can afford to pay the loans off myself also since Im not in school no more I would like if they stop the payments until I can pay them off they also raised my payment
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX someone attempted to purchase a 2009 XXXX XXXX through Shift. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life. 

Equifax Also fix your effing dispute UI. YOU CANT UPLOAD DOCUMENTS!!!!!
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX and/or Sagestream LLC reported information to credit bureaus when there is an active security freeze on my account with them.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ( XXXX XXXX XXXX XXXXXXXX XXXX and tell them the debt is the result of identity theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

My purse was stolen in 2013 and they stole my License, And social security and they opened up various accounts with my Social, They did XXXX XXXX XXXX, Macys and Best buy and these accounts are affecting my credit negatively and it's not allowing me to obtain any new line of credit, I filed a police report and it's on record,
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # 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 instructions
Complaint sub-issue: Public record

Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok Equifax knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site
Complaint sub-issue: Their investigation did not fix an error on your report

I had my credit reports pulled after being contacted by a debt collector that I have never done business with. My identity was stolen because there is multiple accounts, names, addresses and other personal info that doesn't belong to on my reports. I did not authorize anyone to open these accounts nor did I receive services or goods for any of them. I filed an identity theft report and police report. I disputed it with all 3 major credit bureaus and they have done nothing. I should not be held liable for someone opening accounts in my name.
Complaint sub-issue: Deposits and withdrawals

I have had business and personal accounts with US Bank for 16 years. 
My business is successful and I have never had a clients check returned I have been in business since XXXX. 
I deposited a {$24000.00} plus check with them on Friday XX/XX/XXXX They credit my account and then without informing me withdrew the funds, then returned a check I paid a business supplier with. This client has written approximately 10 checks since XX/XX/XXXX. The amount is smaller than a lot of our deposits. 

Then to add more trouble they charged me {$36.00} return check fee. 

My client has sent me a copy of the canceled check on her banks stationary along with account notes showing paid. I emailed it to US Banks Branch in XXXX XXXX I have spent all day on the phone with this bank!!! 

Us bank still refuses to release the funds!!! 

Another XXXX XXXX in the making
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I dont owe this or know the company
Complaint sub-issue: Public record information inaccurate

Good Evening and how r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?