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

Credit Card : REI Co-op MasterCard Issued and administered by " US Bank '' XXXX. XXXX  XXXX XXXX XXXX, MO XXXX WebSite : https : //onlinebanking.usbank.com/Auth/Login Phone Number:XXXX Approximately two years ago we signed up for " REI Co-op '' MasterCard. The credit card is issued and the account is administered by US Bank ( Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). Almost immediately we noted problems with the billing services : the bank would NOT send a monthly statement, then add penalties, interest and fees to the next statement. This practice continues despite a number of complaints. The last conversation over the telephone with the " supervisor '' ( identified as " XXXX '' ) took place about 20 minutes ago. This time, despite the fact that we paid the complete outstanding amount of the bill, no statement confirming the payment was issued by US Bank, so I ended up spending inordinate amount of time waiting on hold to confirm that we are indeed up to date and I that do not need to make another ( duplicate ) payment. This attempt on the part of the bank to collect fees, interest, and duplicate payments because of duplicitous billing practices should be known to regulatory agencies and banking customers who consider doing business with REI Co-op and US Bank.
Complaint sub-issue: Reporting company used your report improperly

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 a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others 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 Act everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal.

They also violated the law because according to 15 U.S.code 1681 1.section 602A State : I have the right to privacy 15 U.S. code 1681 section 604A States : it also states a consumer reporting agency connot furnish a account without my written instructions I did not give anybody written instructions Delete all inaccurate accounts
Complaint sub-issue: Account information incorrect

a few months back as I tried to refinance my house I noticed that all 3 bureaus have wrong date of birth and name and address and also were reporting bankruptcy and car loan and a credit card account that I did not recognized. I disputed with all 3 bureaus and provided them with all my state and federally issued ID and utility and property tax and social security and date of birth to help them correct my personal information and remove the bankruptcy and the 2 accounts with XXXX XXXX XXXX XXXX, but after so many registered mail they still continue their report with wrong report and have not correct anything, they have not responded to my last 3 registered mail and I am not being able to refinance my house and financially this is damaging me.
Complaint sub-issue: Their investigation did not fix an error on your report

First progress on 2 different occasions have posted that my balance has decreased meaning it is paid but both times have resulted in my credit score going down. XX/XX/XXXX shows negative XXXX points and that my balance decreased by XXXX. I paid that on time ahead of time and they can't tell me why my score went down. I checked XXXX today and noticed my score went down XXXX more points they told me it was for a XXXX dollar payment which I paid XXXX to take care of with another charge ahead of time. They don't have an answer why on that either. They don't take emails and want me to mail in my bank statements to show that I paid on time even though in their system they only have me with XXXX late payment ever. I'm building my credit score and the only negative impacts I've been having is from firat progress after making an on time payment.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I subleased my apartment to XXXX XXXX when i moved Back to North Carolina in XXXX of 2017 however the amounts are bills to me from pro collect for over {$600.00}
Complaint sub-issue: Deposits and withdrawals

They bank took over access to my funds and asked me to provide proof for the source of funds. My new deposits did not show up in my account causing confusion and my account is still frozen after promptly providing the requested documents.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  - AUTO FINANCE Inquired on XX/XX/XXXX ; XXXX  - CARD SERVICE Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX   XXXX   is saying I owe them {$830.00}. They sent this to Equifax and Equifax put it on my credit report from   XX/XX/XXXX .  Then they sent it to DIFFERENT ( I think its called  XXXX  ) collection agency and they put it on my report AGAIN. I disputed both of these. First dispute number is  XXXX , says it is closed with no change to my report. Equifax never mailed me anything. Second dispute number is  XXXX , this was just disputed a few weeks ago because I noticed it was from a different collection agency and opened in    XX/XX/XXXX .   I need something in writing, documents that I owe   XXXX   XXXX  , something, anything that Equifax has saying I owe it, and from all these opened dates, otherwise it needs to come off my report. It is hurting my credit. They can not keep turning it over to different collection agencies and then they report it as a new account ( j ust opened ) to k eep the 7 years starting all over again, this is against the law. I have had  XXXX  for the past  XXXX  years and still have  XXXX  and can prove it thru them.     Thank You,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX  , CO  XXXX   XXXX   Social :   XXXX  I ALSO MAILED YOU AND EQUIFAX A LETTER
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 ; states that I have the right to privacy. In 15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account account without my written instructions. And under 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

I do NOT have a signed contract nor any contract with XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.
Complaint sub-issue: Their investigation did not fix an error on your report

Violation of HIPPA Regulations I sent a debt validation letter to XXXX XXXX XXXX , XXXX, and the company has failed to validate my debt. Instead they sent me a list of medical procedures ( copy enclosed ) which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing XXXX XXXX XXXX , XXXX, to have access to this information, and no copy of such authorization bearing my signature has been provided to me because none exist. XXXX XXXX XXXX , XXXX, has violated my HIPPA rights.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the DPTED/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see attached credit report as well as the attached spreadsheet showing account numbers. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted XXXX  ; Equifax and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Problem with statement of dispute

I sent equifax my dispute on XX/XX/XXXX,2017 ask to dispute several accounts that 's on my credit report. Equifax refuse to do a proper investigation calling the companies and asking them to verify over the phone or via the computer does n't constitutes an investigation. Equifax does n't have any paperwork nor contract that bear my signature stating that I have a contract obligation to these accounts. Which is a violation of the FCRA per section 611. Due to the findings of your investigation which was published and the fines that cfpb issued to equifax for these same illegal practices.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchased " XXXX XXXX XXXX XXXX XXXX XXXX for 5 Users, XXXX, Download ( XXXX ) '' from XXXX. I installed the software on a couple of computers and realized that I needed to purchase an additional license so I would have 6 users. 

I contacted XXXX  and they told me that I could not add an additional user to the license that I had already purchased. They said that I must purchase a new license ( for 6 users ) from them and that XXXX would give me a refund for the 5 users. I purchased the new 6 user license from XXXX and they told me that they cancelled the license purchased from XXXX. I finished installing on all 6 PCs and everything works just fine. 

I contacted XXXX to get the refund for the license that I can no longer use and they tell me that absolutely, under no circumstance can they offer a refund on " downloadable content ''. The truth is, XXXX is not selling XXXX  as downloadable content. The software is free to download from XXXX. It just can not be used for more than 30 days without a license. So I am stuck. XXXX will not give me a refund. What to do?
Complaint sub-issue: Information belongs to someone else

Im having issues with XXXX XXXX keeps appearing on my credit report violating my rights. This account was opened fraudulently in my name and does not belong to me. 

Account XXXX XXXX {$1700.00} Open on XXXX, XXXX 2020 XXXX I want this fraudulent account removed from my report asap as it is violating my FCRA rights.
Complaint sub-issue: Denied request to lower payments

This complaint is relative to the existing pandemic, an obvious loss of income, and Ally Financial forcing us into an agreement to make THREE full payments of {$460.00} in less than 60 days. If scheduled payments fail, repossession is the ultimate outcome. It's quite obvious that the poorer people of color and seniors are targets. Is the government doing anything to assist, maybe mandating ( lower ) payment arrangements or some form of workable installments? It's already been ruled by the federal government in previous court cases that XXXX Americans, XXXX, etc, are automatically given auto loan payments that are at minimum {$250.00} more than that of XXXX. Who's monitoring that? Are we to sacrifice food, meds, housing and the like to keep our vehicle? One might say turn over the vehicle if we can't afford the payments, but where is the human factor based on a pandemic we too never asked for? Something needs to be done and sooner than later. The added stress is unspeakable.
Complaint sub-issue: Personal information incorrect

INCORRECT PRIMARY NAME AND ALIAS NAMES AND WRONG ADDRESS AND TOO MANY PREVIOUS ADRESSES THAT I NEVER LIVED AT SEE XXXX XXXX FOR FULL EXPLANATION
Complaint sub-issue: Investigation took more than 30 days

This is not a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have not heard anything from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation to the following accounts : - XXXX XXXX # XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

In/around XX/XX/2020 I purchased what was supposed to be a new rug shampooer. The XXXX XXXX  company sent a pre rented unit that was filthy and does not work. I disputed the claim with SquareUp, Inc, owner of the debit card company. Several customer reps, in writing, told me that it would take 2 days to look at my claim. and give me at least temporary credit. When I called back after no word in two days, a rude car told me 60 days. I complained and asked to speak to a supervisor and this person XXXX said no you cant and I am going to hang up. ( No I was not screaming, being rude or yelling. I sent pictures of the non working machine and the serial number with a metal plate saying rental, please return. This information was ignored by SquareUp.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why XXXX XXXX XXXX is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
Complaint sub-issue: Old information reappears or never goes away

I have provided evidence to XXXX and to ECMC over 6 or 7 times and they have refused to remove the information thats well over the amount of time allowed by law.
Complaint sub-issue: Reporting company used your report improperly

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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: Information belongs to someone else

I have accounts reporting on my credit file that do not belong to me. This includes the XXXX XXXX account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.
Complaint sub-issue: Deposits and withdrawals

I am trying to link my XXXX investment account to my PNC banking accounts to make transfers for investments. PNC is refusing to allow this.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Problem with statement of dispute

XXXX removed XXXX from my credit report cause I furnished proof, XXXX sent me a letter telling me the stuff I asked for to prove charges they say are mine that this info that is supposedly mine is personal and confidential, If it is referring to me how can that be? I am entitled to be shown proof of these charges. I sent same info to equifax and they finished there investigation within two days, same day I put the info in the mail and have heard nothing, cause evidently they already agreed with XXXX and did n't review my proof. I can mail you the letter I am not good at uploading.
Complaint sub-issue: Transaction was not authorized

I had a checking account through Bank of the West. I had several fraudulent charges for several months coming out of my account and some several times in a day. They wouldn't refund my account of the fraudulent charges and basically told me there was nothing else they would do. I have never had a bank do such a thing. It totals well above {$5000.00}. I don't know what else to do. I also have never experienced a bank being so negligent as to not have caught this suspicious activity and contact the member to ask if it WAS me. I tried several attempts to speak with someone that would help me it is very apparent someone was almost daily checking my account and then making several purchases of the same amount one after another. I would sometimes sit waiting to speak with someone for 2 hours and then I was told that was the final decision on my account not to refund me. Unacceptable and truly unbelievable.
Complaint sub-issue: Reporting company used your report improperly

Equifax is showing a child support case negatively reporting on my credit report. They never provided proof that the children in reference to this account. They never showed proof of DNA or how this alleged debt is even my debt. I have disputed the account with the following company sending certified mail. they failed to send me any proof of how they can determine that this debt is mines. I am demanding it be removed immediately in direct violation.
Complaint sub-issue: Investigation took more than 30 days

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX, I made a {$900.00} excess payment on my account which currently contains/contained two XXXX loans. One has an interest rate of 4.250 % and the other an interest rate of 3.150 %. I selected to manually enter my instructions for the payment and requested 100 % be applied to the higher interest loan, which should have eliminated this loan with a small amount left over. Instead, approximately {$770.00} was applied to this loan and the rest to the lower interest loan. 

I acknowledge that it appears there is a caveat in the instructions that pending payments may be applied first, but would note that my loan account also states that I am paid ahead by over {$6000.00}, I am not required to make a payment until XX/XX/XXXX, and I had just completed a scheduled payment on XX/XX/XXXX. In addition, the payment of this loan as directed would ( to my understanding ) changed what my next scheduled payment will be, as one of the loans would have been eliminated. 

Further, I was unable to determine any place on the Great Lakes site that outlined a breakdown of my scheduled payment per loan in the account rather than for the overall account, making payers unable to discern how to adjust any excess payments. For example, if I have a pending payment of {$150.00} on an account containing two loans, if I wanted to pay one loan off that is {$500.00} and do not know the portion of scheduled payments that might be automatically applied to other loan I do not know how much I should add to that {$150.00} to pay off the {$500.00}. Payoff amounts are, to my knowledge, only able to be calculated based on the entire account, not each loan in the account. I feel that all of this combined unfairly prevents payers using an " avalanche '' method to pay off higher interest loans first, allowing those loans to exist for a longer amount of time and gaining interest. The options available to the consumer are to A ) keep paying more and more months of excess payments while money is diverted to the lower interest loans or B ) be able to pay off the entirety of the account at once.