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

Dear CFPB, I have a Fidelity Credit Card ( Issued by Elan Financial Services ) that I haven't used in months and has had {$0.00} balance as a result of any purchases. However, over the past few months, they have been mailing me a {$50.00} check and then charging me fees ( up to {$32.00} ) monthly. I have tried to cancel the credit card multiple times and spoken to multiple people at the card services and private investing department. 

They have told me they will have someone call me about the issue and I have not received a call back. They have tried to reverse all the fees, but then assess more fees again. The issue keeps persisting despite them telling me it's all resolved. At this point, it seems like my credit score has been materially and adversely affected by their actions. 

The most recent conversation with them was today ( XX/XX/19 ) where I spoke to card services. They looked into the issue and found there was a complete breakdown between the card services department, Elan Financial Services and investing department. 

That being said, the impact to my credit, the numerous calls I've made and their lack of responsiveness has been an unfair and egregious violation of consumer trust. The unethical behavior has resulted in not just frustration, but clear impact to my credit. 

I have been patient over the past few months and am formally complaining because of the issue persisting for so many months. It also could be a systemic issue, which is unfair for anyone that has the card. I've been diligently calling them, but others may not. 

Thank you, XXXX
Complaint sub-issue: Frequent or repeated calls

Citibank has called me 35+ times since XX/XX/21 ( I have all call logs ) My account at the start of the calls was past due {$170.00} for 14 days. A day or two after the initial contact from them, I tried to log into my online account. They had locked my online account, so i was forced to call them so they could coax me into making a " promise to pay ''. While on the phone with them, I informed them how many times they had called me and I only received a " I'm sorry, sir ''. I pressed the issue informing them of how ridiculous it was to receive on average 3 phone calls a day ( somedays they called me as much as 5 times in one day ). After doing a bit of reading, I found out that this interaction may be considered harassment and I wanted to file my complaint and await the next steps.
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 168XXXX. 

XXXX XXXX XXXX XXXX  ( Account # XXXX ), has violated my rights XXXX XXXX XXXX ( Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXXXXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXXXXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX ( Account # XXXX ), has violated my rights US BKPT CT GA XXXX, Bankruptcy XXXX XXXX XXXXs violated my rights US BKPT CT GA XXXX, Bankruptcy 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX, 2017 XXXX XXXX XXXX who is located at XXXX XXXX XXXX XXXX XXXX, MN XXXX sent me a letter saying i Owed a bill in the amount of {$1000.00} dollars and saying i have 30 days to submit a dispute or we will assume this debit is yours. They have not given me thirty days and it 's already on my credit report. I have also filed a dispute with one of the credit bureaus. I will like to know why they did n't give me my thirty days before putting this on my credit reports. Results i am asking for to be removed from all 3 credit bureaus and also I would like a written letter from  them saying that this account is removed for all three credit Bureaus
Complaint sub-issue: Received bad information about my loan

I received XXXX statements for the same student loan dated 6 days apart claiming the payment on the first was past due. The first statement was dated XX/XX/2016 and the second was XX/XX/2016. When calling they had difficultly explaining why this is happening and the amount on the first statement should not show as past due. I believe this is known as short-cycling and is not permitted.
Complaint sub-issue: Trouble with how payments are being handled

I spoke with Pennsylvania Higher Education Assistance Agency ( MyFedLoan ) on XX/XX/XXXX regarding accidental payment of my deceased son 's PLUS loan balances after his death. I asked if those mistaken payments could be applied to other outstanding loans through MyFedLoan. I was told they could not. I asked if I could receive a refund. I was told I could not. 

My son died on XX/XX/XXXX. Total amount of payments made since that date, which paid off the loans in full, was {$5300.00}.
Complaint sub-issue: Funds not handled or disbursed as instructed

Me and my Fiancee opened up a joint account with Ally Bank to buy a home together after talking with XXXX. Upon funding the account with XXXX dollars, Ally bank rejected the transfer from my Fiancee 's  XXXX XXXX account for dubious reasons, I can explain details later. That's OK they reject the funds, but they NEVER returned the funds back to her XXXX XXXX account. 

This transaction happened on XX/XX/XXXX and we are no closer to receiving the funds as I am writing this on XXXX. It has been a full month. We have spent over 40 hours speaking with Ally bank trying to get the funds returned. The back office and Supervisor 's have been stalling, dismissive, and negligent in returning our funds in a timely manner. One supervisor told us she hasn't even seen something like this happen before. They themselves are confused with the transaction and haven't took initiative to return the funds. Every time we have called for a MONTH, the supervisors and the back office say it will take 2-3 business days, FOR A MONTH.

This has caused us great hardship during a time of this Pandemic. We've had to delay our home buying process. My Fiancee is freaking out that this substantial amount of money isn't being returned. She had to talk to a XXXX  after the incident and got prescribed medicine for XXXX  and XXXX XXXX for this. We no longer trust the banks.

This is through NO FAULT of our own and is 100 percent resting on  Ally banks negligence to return the funds immediately ( a month and counting ). We have confirmed with her XXXX XXXX account that this is 100 percent resting on Ally Banks end.

Ally Reference Number ( most recent one of MULTIPLE previous  reference numbers ) - XXXX Ally Back Office Reference Number - XXXX
Complaint sub-issue: Information belongs to someone else

It's not my account. I didn't have this auto loan. I believe that somebody used my personal information to apply for it.
Complaint sub-issue: Account information incorrect

Within the past year, I've applied for loans ranging from car loans to credit cards and I'm presented with data that indicates a company doing business under the name " SageStream '' is collecting information on me and providing it in error to lenders. This started with a car loan that I was not given approval for due to erroneous information contained in a report this particular finance company acquired from Sagestream. 

Upon contacting Sagestream I learn that every single determining factor the bank used to make a decision about my credit was wrong. I contacted Sagestream, which is no small task since their company appears to be just a network of voicemail transfers - but when I did finally make contact they provided no way to rectify this situation other than recommending to lock my account. 

I have since applied for various things and several of those lenders are denying me credit now because my Sagestream account is locked. The easy solution is what I've adopted, and that's to simply not do business with any company that does business with Sagestream but it's completely unfair to have your credit held hostage by such an incompetent and blatantly dishonest company. This company has profited from selling my data - data that's not correct and potentially negatively affecting my finances.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Complaint sub-issue: Information belongs to someone else

There were accounts in my report that does not belong to me, I do not know how they verified it but they did not provide me anything. I sent the letters on XX/XX/2022 and util now I did not receive any response.
Complaint sub-issue: Account status incorrect

XXXX  is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid.

The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with XXXX and Equifax so I disputed it since the account was paid in 2016. In response, XXXX recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED.

XXXX  is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal.

Instead, XXXX continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately.

I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected XXXX and Equifax reports.

Both of our records ( mine and XXXX  's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale.

***Documents Attached*** - Not for Posting Examples from credit reports of how XXXX is falsely reporting my paid account # XXXX  on my credit reports.

On XXXX, XXXX  changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On Equifax, XXXX  reported the Current Status as a current Charge Off/Referred to Collections making it appear new
Complaint sub-issue: Personal information incorrect

I AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX   XXXX XXXX, XXXX  Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX I XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an account due to fraud with Equifax and they claim that a thorough investigation was completed, however, they do not have any substantial proof of validation. The account still remains and is causing financial disparities in my life. Three representatives ( two supervisors ) confirmed that since they do not have substantial proof of validation that the account has to be removed under 15 USC 1681 e ( b ), but did not remove the account and told me that I need to submit a police report. I am aware that I do not need to submit a police report to have any accounts removed and am demanding that they are investigated for fraud and tampering with consumer files. The four calls made were on XX/XX/2022 and I was yelled at, interrupted and lied to.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. It's been well over 30 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been over 30 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach. 

Additionally, on XX/XX/2022, a demand to comply letter was sent awaiting response
Complaint sub-issue: Debt is not mine

Checking my Experian credit report last week, I noticed that there was " key derogatory '' on the report. A collection agency, AFNI , Inc, filed a key derogatory report stating that I have an outstanding balance of {$1800.00} for a debt owed to XXXX XXXX. However, I have never had any type of service or business relationship with Dish network. I have disputed the report with all XXXX credit reporting agencies. I also called AFNI to try to clear this issue up. After spending all weekend and today ( Monday XXXX/XXXX/2015 ) filling out online forms and waiting on hold to speak to a representative with the various credit reporting agencies I am still being told by AFNI that I have to call Dish Network to " PROVE '' that this is not my debt. AFNI gave me the address of the residence where the service was installed and the birth date of the person that ordered the service. The address that they gave me and the birth date were not mine. Both of these pieces of information are on my credit report. So, AFNI should have known from the start that this was not my debt. 
So my complaint is this:1. AFNI should have known that this was not my debt and so I believe that they fraudulently reported this debt as mine when as I say I have never had Dish Network service. 
2. I should not have to file a dispute or contact XXXX XXXX because of obvious errors that AFNI made in reporting this debt as mine. 
3. XXXX XXXX should not be allow to sell their bad debt to AFNI or any collection agency if they have not verified the identity of their customers to a much greater degree than have in my case. I believe that this is also fraud on XXXX XXXX part and grossly irresponsible. Why is it my responsibility to clean up their mess ... because they did not do a good job of verifying their customer. 
I would like to file a complaint against both XXXX XXXX and AFNI.
Complaint sub-issue: Billing dispute

I have a collections on my credit report from a medical bill from a XXXX ( XXXX XXXX XXXX ). 

That is not legal to be posted to my credit report, as it is a medical collections and a federal law was passed that made this illegal to be posted to my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax XXXX has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the XXXX are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$0.00}
Complaint sub-issue: Problem with fees

I am requesting the help of the Consumer Financial Protection Bureau in reference to a late fee that was processed in my XX/XX/2021 statement on my Best Buy Credit Card Account. I was billed a late fee in the amount of {$27.00}. I wrote the credit card company a notification for assistance. Please see attached document as this is the notification I sent to them via mailed correspondence for assistance. I requested help that was denied to have account credited back on XX/XX/2021 over the telephone when I spoke with customer service.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

( 103 true Identity theft ) XXXX File NumberXXXX Equifax Report Confirmation:XXXX  XXXX Report Number:XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX   Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT XXXX : DPT EDXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX   ) Account # : XXXX ACCOUNT NAME : XXXX ( Original Creditor : 11 XXXX XXXX Account # : XXXX IVE BEEN TRYING TO REACH OUT TO Equifax XXXX XXXX BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!
Complaint sub-issue: Charged too much interest

I have a 0% APR balance transfer for the duration of a year on my account. I have been paying off each month this balance. On the month of XX/XX/XXXX I made some purchases on my car, which were posted on my most recent statement issued on XX/XX/XXXX. On that statement Discover is charging me interest for this purchases. Since the APR is 0% for a year, and this purchases were posted on this recent statement which is still not due until the XX/XX/XXXX, I should not been charged any interest. I called Discover on XX/XX/XXXX regarding this. I spoke first with an agent which could not give an explanation, and after that I spoke with a supervisor name XXXX which did not provide an legitimate answer. He claims that because I am carrying the 0% APR balance transfer, but then I made regular purchases, because I did not paid the full balance on my last statement, (which by the way, did not include the regular purchases, then I was charged interest for the most recent purchases which were posted on this statement issued on XX/XX/XXXX, not the one issued on XX/XX/XXXX. I should not be subject to any interest since the balance transfer is a different category subject to a 0% APR. This recent purchases are subject to my regular APR but were posted on this last statement which is not due yet.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Problem with product or service terms changing

Equifax was hacked and 143 million Americans, including me, had their personal information stolen.
Complaint sub-issue: Debt is not mine

Last ReportedXXXX XXXX, 2015Collection AgencyXXXXOriginal CreditorXXXX XXXX XXXX XXXX CHECKINGStatusOpenOpened DateXXXX XXXX, 2015Closed Date -- ResponsibilityIndividualBalance $ XXXX Balance $ XXXX for collection