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

My issue is with US BANK. I took out a balance transfer for {$2400.00} that isn't due in until XX/XX/2021. In order to avoid paying interest, I always pay off my statement balance purchases. And yet every time I look to my statement, I've been seeing interest charges. I've made several calls to US Bank and every time I get a different story. For the first 10+ customer service calls, the story was that it was a " mistake '' and sometimes interest fees were reversed. Then, a customer service rep told me I needed to pay my purchases, plus the " minimum due '' - add those together and pay those. I did that, and then interest charged popped up again with a charge of {$30.00}. Now I called them and finally, after what must have been over 10 calls, that because I have the balance transfer, they now charge interest in my purchases. I don't know if it's ethical, but it feels like the rules of the credit card changed once I got the balance transfer.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

ACCOUNT WAS OPEN IN MY NAME WITHOUT MY CONSENT
Complaint sub-issue: Information belongs to someone else

I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Complaint sub-issue: Funds not received from closed account

In XX/XX/2022 my parents account at citibank was closed. My account was a custodial account of my parents account and therefore was blocked at that time. Since then I have called citibank many times to close the account and return my funds. They promise to look into it, however, no resolution for 9 months.
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. 

XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX  {$560.00} XXXX XXXX XXXX {$2000.00}
Complaint sub-issue: Information belongs to someone else

i have a fraudulent account on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 and XX/XX/2021 I reach out to Equifax by mail and phone to dispute public records on my credit report. I provide a letter from the court saying they do not report information the Equifax.
Complaint sub-issue: Debt is not yours

I have sent multiple correspondence with this company Citi sent by certified mail, in order to verify an alleged debt in the amount of XXXX. The company sent a confirmation that they received my dispute on XX/XX/2017. It has been over 30 Days with no response and by law they have 30 Days to respond and if they do not they are required to remove it from my credit profile.
Complaint sub-issue: Debt is not yours

I reached out to this company for over 5 years to get this matter resolved and removed from my credit report because this account is not mines. They have failed to show me proof that this account is mines. The information they shared does not match my health insurance company. My insurance doesnt have any knowledge for this account as well.
Complaint sub-issue: Information belongs to someone else

To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX pulled my credit report without my authorization. It was a hard pull made on XX/XX/XXXX. 
I filed a dispute with Equifax. 
They received it - Confirmation # XXXX. 
They said they can only remove this hard inquiry from my credit report after they get a copy of my FTC complaint, which is why I'm filing it. 

XXXX never denied pulling my credit without my authorization. They said it was a " soft pull '' that would only stay on my credit report for 2 weeks maximum. That is not true! It is showing on my Equifax report as a hard inquiry that will stay on my report until XXXX XXXX. 

I want it gone and I want XXXX XXXX to compensate me for the damage they caused my credit and the time required for me to correct this!
Complaint sub-issue: Attempted to collect wrong amount

FAY SERVICING and assignee 's XXXX XXXX, modify my mortgage loan as an repayment in XXXX with no late charges, Corporate charges or other charges. They have generated {$1800.00} of these charges against my mortgage loan. As of XX/XX/XXXX Fay Servicing and XXXX XXXX sent me a letter stating : NOTICE OF DEFAULT AND INTENT TO ACCELERATE { Foreclosure } if {$15000.00} is not paid by XX/XX/XXXX amount includes {$1800.00}. Fay Servicing has posted XXXX from XX/XX/XXXX up to date. They continue to cause me an Financial Hardship to foreclose on my home. 

The Deadly Coronavirus ongoing since XX/XX/XXXX is also a result of my financial hardship. 

I have request multiple times in writing to Fay Servicing mortgage options, only a default notice in return.
Complaint sub-issue: Debt is not mine

Continuous calls during the week and weekends. I get calls on Sunday morning even. I told them it 's not my debt and to stop harassing me and the calls continue. Calls are from Conn 's store debt collectors.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled critical personal information, putting me and millions of other people at risk. I have been indicated as being potentially affected according to the equifaxsecurity2017.com website that lists affected users. They failed to notify users fast enough to take action to protect themselves ( what little can be done now that so much critical information is now exposed ).
Complaint sub-issue: Their investigation did not fix an error on your report

Im contacting Equifax after your response to my complaint through CFPB. The complaint number submitted was XXXX. Equifax did not provide/address the complaint. Per FCRA, your company already has missed the 15 day window to provide how you investigated the account you are reporting as XXXX XXXX and it should be permanently removed. There isnt any further investigation as you already stated you are not reporting it via mail. Completely remove the account as Ive made several attempts to have it removed. Thank you,
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$81.00}
Complaint sub-issue: Threatened or suggested your credit would be damaged

Recieved a letter from XXXX XXXX on behalf of Jefferson Capital Systems LLC in mid XXXX around the XXXX it was dated XX/XX/XXXX. I wrote them a letter of Debt Verification and mailed it XX/XX/XXXX certified to the address they gave. They have not responded and have listed it on my credit report illegally. I called them the day it was reported to my credit file asking them to remove the report until this was validated. The representative then hung up on me.
Complaint sub-issue: Trouble getting a working replacement card

XX/XX/2022 I reported unauthorized transactions to Direct Express. I also informed Direct Express that it is impossible to set up online account for my benefits as it appears someone has already set one up without my permission. The agent said Doesnt see unauthorized transactions.. However, I had not given the agent a date, amount of transaction, or payee. Agent cancelled my Direct Express card and put me on hold. Now, XX/XX/2022 when I call Direct Express I am only allowed an automated recording which states my new debit card was issued on XX/XX/2022. I have not received my card and I was not allowed to dispute unknown transactions. There is no prompt to speak with Customer Service, automated recording says date issued then hangs up on me.
Complaint sub-issue: Problem with customer service

I called nelnet on XX/XX/XXXX to request a refund of a qualifying payment made in XX/XX/XXXX. ( I made 2 payments that month, I believe only 1 qualifies for the refund ). I was told that this request would take 4-6 weeks to process. 
I called nelnet again on XX/XX/XXXX ( after more than 6 weeks had passed ) and was told there is no way to check the status of my refund, there is not timeframe for refunds being completed, but that I should go ahead and submit my application for the debt relief when the application goes live and that it will not have an affect on my receiving the refund. I submitted my debt relief application on studentaid.gov when it went live. 
Others online are stating they received the opposite information from Nelnet, so now I am concerned I will not receive my refund if the debt relief is processed before the refund is issued. I have not heard any further information from Nelnet, and I have not received my refund.
Complaint sub-issue: Debt is not yours

I have only used XXXX for my auto insurance and its saying something about XXXX XXXX for auto, however I only used XXXX. It says XXXX dollars debt thats in collections.. It says it was open XX/XX/2015. I have had XXXX for the past 6 years or more.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent in several dispute letters in regards to public record information being reported about me on XXXX, XXXX an Equifax. I sent out letters on XX/XX/2020 to each company requesting their method of verification in regards to the public records and they have failed to respond to this letter within the allotted time of 15 days. It is now XX/XX/2020 and I have yet to receive a response about my dispute. Please remove this account immediately for failure to adhere to the FCRA and reporting unvalidated information!
Complaint sub-issue: Investigation took more than 30 days

I have sent three initial disputes to this bureau and nothing has been updated. I submitted with proof of payment. I submitted all of this to continously get that they investigated even witih factual proof provided. I would like this removed and deleted from my report, for inaccuracies. 
" In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet,  Equifax, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. '' XXXX, XXXX, XXXX, XXXX XXXX XXXX. ALL REPORTING INACCURATELY.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I Filed a charge dispute and then tried to modify the amount. Was not told that the dispute would be closed and that the bank could not reopen it. I have spoke with the CITI bank several times and they said it was a problem with Master Card not them. I then called Master Card and they have ignorant people that work for them. Tells me that the bank is the one that places the dispute and to stay on the line. So after holding the bank gets on the call and I tell the lady from Master Card to stay on the line and see leaves. Master Card prevents the banks from reopening the dispute and ties the hands of the bank, This complaint is against Mastercard not CITI
Complaint sub-issue: Information belongs to someone else

Hello Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

after this incident I no longer have peace there are many calls with offensive words that I am receiving daily I received many threats I am afraid to go out on the street because of these threats
Complaint sub-issue: Was not notified of investigation status or results

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Complaint sub-issue: Was not notified of investigation status or results

I sent multiple letters in which most was notarize. I was ignored and bluntly disrespected as a consumer. I have been inquiring about this information over and over for months and months this is hindering me from buying a property. The credit bureaus don't care. I made multiple phone calls trying to get someone to give me a clear understanding but I eventually will get hung up on. It's very disturbing trying to get things done when these companies are acting like this. This is a on going process and I NEED HELP!
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/XXXX my phone and wallet was stolen at my residence at XXXX XXXX XXXX XXXX. The thief got on my phone he stole and then transferred money from my unemployment card ( XXXX  XXXX XXXX  ) to XXXX XXXX. They then made several unauthorized transactions- a transfer for {$1000.00} another for {$500.00}, another for {$800.00}, another for {$180.00}. I believe there was another transaction or 2 they did through cash app. On or around XX/XX/XXXX the suspect ( XXXX XXXX ) hacked my unemployment online account and entered their information and debit card and received my payment of {$140.00}. I let XXXX know of the ongoing fraud and also let XXXX XXXX  know as well. I have been robbed for around {$4000.00} and have lost my place to live without receiving any payments. I was told that my money would be refunded but I need action to be taken now.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX  Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX 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 an 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: Their investigation did not fix an error on your report

The following two collection companies are reflected on my credit report. I have never had an account with either company and these are reporting in error as I have requested the signed agreement in which I made with both companies at which they stated they didn't have one. I notified Equifax, XXXX and XXXX so as to have this erroneous information removed to no avail. The two companies being reported on my credit report in error are below : 1. XXXX XXXX XXXX : XXXX XXXX XXXXr XXXX, XXXX XXXX XXXX XXXX XXXX Texas 2. XXXX XXXX ACCT : XXXX XXXX XXXX XXXX XXXX, MA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hi. I am submitting a complaint for a previous issue that was not fully resolved. Please do not close my complaint. I had two fraudulent charges made for {$1000.00} each on my discover card. Cfpb and discover resolved one of the {$1000.00} charges, but the other {$1000.00} charge is currently being reviewed by discover, which is why the cfpb complaint did not help. Currently, a {$1000.00} charge is REAPPEARING on my statement, which is why this issue is now a valid case for the cfpb to solve. This charge was fraudulently made and I would not like to be held reliable for this. This charge is currently damaging my credit and I would like discover to dispute this charge immediately, Discover also closed my credit card account, but thinks it is okay to make charges reappear on my account. This is absolutely ridiculous. I was first told to submit a police report. I happily obliged and submitted the report. The report did absolutely nothing and I was then asked to contact USPS in order to start an investigation due to suspecting that someone had been stealing my mail. I currently do not have time to go out of my way and contact USPS for a job that the police is currently aware of. This charge needs to be disputed and taken off my credit report immediately. This is extremely unfair and I would also like my minimum payment refund. I was told that I would receive a refund check, but never did. I would also like for my account to be reopened and have a new card sent out. Discover clearly is capable of reopening my account and trying to make me pay for fraudulent charges, which is why my account and card and should be reinstated. Please resolve this issue asap and do not close my complaint. I have reported this fraudulent charge multiple times, but agents do not correctly file the fraud claim. This charge is once again appearing on my account.