Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account terms

I checked my credit score on XXXX XXXX and noticed a collection from XXXX XXXX under the Equifax report. It has to be a mistake. I had paid my rent each month for the duration of my one year lease. After my lease expired, I talked with my landlord at the time and told him I did not want to renew it because I had found another place to live and I still live there to this day. My roommate ( remained on the lease ) agreed with the landlord to be on a month to month lease agreement at the apartment. The particulars of the lease I do n't know because I was done living there. Your immediate help would be much appreciated
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I filed a CFPB complaint that Discover was NOT reporting to the credit bureaus that I have a Discover Account # XXXX XXXX XXXX XXXX as an authorized user. 

I also filed this complaint with XXXX, XXXX and XXXX to confirm with Discover that I am the owner of that account. 
After no proper response I filed the claim again on XX/XX/2022 with Discover, and all 3 credit Bureaus. 
On XX/XX/XXXX, Discover sent me a letter agreeing with all my claims and promised they would provide the proper information to XXXX, XXXX, XXXX and XXXX. ( see Discover letter attached ). This account is reported on the XXXX of every month and although Discover reported for 4 other authorized users for same account ( see attached XXXX  update showing the Discover account was updated on XX/XX/2022 for another authorized user ) Incredibly Discover has either failed to follow through or the credit bureaus are deliberately withholding the information. Therefore, as my right I am requesting Discover provide me the date they reported the correction to the credit Bureaus including a copy of the AUD form they claim to have submitted to XXXX, XXXX, XXXX and XXXX.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX, Citi closed my accounts without notice. The attached letter says the account was closed on XX/XX/XXXX but it was actually closed on XX/XX/XXXX. I have made multiple attempts to find out the circumstances but Citi has not replied, including writing the address provided in the enclosed letter. I have had Citi credit cards for about 25 years so I have a long history with them. I am disappointed by the closure and the timing in the middle of a pandemic. Very poor form. After 25 years of being a customer, I am due an explanation at the least.
Complaint sub-issue: Add-on products and services

Back in XXXX of XXXX I found that I was being charged for a " Debt Protection Fee '' on my Best Buy Credit Card that I didn't know that I was enrolled in. I reached out to Best Buy and they told me they were going to look into it and mail me a response of their findings and possibly a refund. I never received anything in the mail. I signed into my Best Buy Credit Card account to see if I can find anything regarding the " Debt Protection Fee ''. I found that they sent me two emails to this account but I never received a notification. In the first email of XX/XX/XXXX, they acknowledged that I inquired about the " Debt Protection Fee '' and that I wanted it cancelled. In the second email of XX/XX/XXXX, they informed me that the " Debt Protection '' was  cancelled and that the fees charged to me are " Valid and Non-Refundable ''. Also in this second Email it says that I " Purchased '' the " Debt Protection '' on XX/XX/XXXX. I didn't have any knowledge of purchasing or enrolling to " Debt Protection ''. No employee ever told me I purchased or enrolled in the " Debt Protection ''.  Unfortunately, I only have visibility to statements from XXXX and the yearly charges are ( XXXX - XXXX and XXXX - XXXX ) and I am unable to view any charges from XXXX and prior.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had contacted Equifax in regards of unauthorized inquiries. Equifax failed to show me verifiable proof of every unauthorized account that was listed ( see documents attached with this complaint ).
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have filed numerous letters to Equifax in regards to inaccurate data located on my credit file and completely false personal information. 
I have alerted them that i wish that the personal information be updated to reflect my legal name and address and remove " assumed names '' that i have not and do not use. 
I have requested that the do a proper investigation into items listed on the report that do not belong to me, to date i have sent 7 letters and roughly 30 emails all of which i have not received a response. 
i am also unable to file a dispute online as it states " It looks like we need more information to confirm your identity. We appreciate your understanding since security is our number one priority. Our consumer care team can assist you with that. Please call us at XXXX between XXXX XXXX   until XXXXXXXX XXXX EST, seven days a week so we can help. '' however i have even entered the inaccurate information contained in the report that i just purchased from equifax. 
It appears that they are providing this message in hopes that you will pay for the report as the " Get Started '' button just under that text redirects you to the purchase credit monitoring site. 

Equifax has failed on all of these occasions to abide by the FDCRA and FCRA and the FACT Act and they are doing this with intent to harm consumers.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Investigation took more than 30 days

Equifax responded to a complaint confirmation # XXXX on XX/XX/2020 stating that my XXXX account XXXX was being reinvestigated. It has been over 30 days and as of XX/XX/XXXX the account is still showing reinvestigation in progress. The payment history is inconsistent with the reporting and has been removed from XXXX  due to unable to legally verify and must be deleted due to violation under the FCRA. 
In addition the XXXX account XXXX is showing a status of charged off and in collections. This account is paid in full and should reflect the actual status of the account. Equifax also has failed to include " notice of dispute '' in violation of FCRA. 
This conflicting information on these accounts has caused a denial of credit and is also causing me an undue burden in my search for employment. I demand this information be correct or deleted from my file immediately.
Complaint sub-issue: Account status incorrect

I have previously disputed XXXX XXXX XXXX credit card with a {$0.00} balance. 
Account is factually stating incorrectly Account is paid off yet stating as payment status of collection charge off. Both XXXX and XXXX are reporting account paid off with {$0.00} balance with a payment status of charge off. Previously, Equifax reported perfect payments OK as agreed on payment history. after dispute, Equifax removed, partial ok as agree from payment history and replaced it with consecutive charge off. delete last payment with Equifax reports at XX/XX/2016 where payment history is reporting date last payment as XX/XX/XXXX. There is no way that account can be paid off and yet you continue to report the payment status as collection charge off and to delete payment history and replacing with charge off.
Complaint sub-issue: Debt was paid

I had a significant family tragedy in XXXX which I am still dealing with today. This tragedy caused me to " drop the ball '' and I ended up failing to pay my credit card bill on time. As a result US Bank called me to inform me that my account was past due in XXXX. The calls prior to when I made the overdue payment are completely understandable and permitted by the FDCPA. Once I got back to my hotel I immediately went online and paid US Bank using funds from a checking account at US Bank. The funds were removed from my checking account and I could see the payment on the US Bank Credit Card. Later that evening US Bank called again while I was on the phone with my wife discussing my family tragedy. Due to the nature of my personal tragedy the call was very painful to receive and served as a reminder of how much I was failing. There was no reason for US Bank to call me after they had taken possession of the money and were made whole. At some point I called in and talked to a supervisor at the collections department who explained that whether or not US Bank has received a payment the auto-dialer continues to call until the next day. 

I contacted US Bank to try to try to get US Bank to recognize this was an issue and ask them to make a change to prevent the erroneous call in the future. Unfortunately I ran out of time to get back to them and didn't bring it back up until this month. I reached out about this issue and long-term payment relief options ( related to COVID-19 ). A US Bank representative called me to let me know they were going to research the issue and get back to me. 

Today, XX/XX/2020, I received a call from a representative who explained the same thing the collections supervisor did and told me US Bank had no intention of improving the issue at this time and, instead, would take the issue under advisement for future improvement. This is unacceptable as the monthly US Bank statements note, " The payment date is the day we receive your check or money order at U.S. Bank National Association, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX or the day we receive your electronic or phone payment. '' As far as I am concerned if US Bank removed my ability to access the money for the payment from my account or took the money out of my account then they have received the payment. 

I believe I consented to auto-dialed calls related to collections and account security only. I do not believe I consented to auto-dialed calls that are /not/ regarding account security or collections. A call because my account is no longer past due is /not/ a collections call. 

No one should have to continue receiving harassing phone calls after they have righted their wrong ( brought their account current after missing a payment ). This is true even if the person isn't dealing with a significant family tragedy.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Sent a validation letter to this company to resolve this matter as this attempt to collect a fraudulent debt is inaccurate and false, i also sent an oppurtunity to cure letter with a invoice for violation of 15USC 1692b ( 5 ) and 15 USC 1692c.
Complaint sub-issue: Debt was result of identity theft

In XXXX of 2011 I had to have XXXX at XXXX Hospital in XXXX XXXX ca. The hospital had patient information leaked and that 's when a collection agency by the name of Grant & Weber obtained my information. I contacted the hospital to make sure they had not sent me to collections with this agency and the hospital stated they did not report to Grant & Weber at all. The times I talked with an agent from their company he was very rude and bordering threatening. He called harassing me over and over. They could not provide me with information backing that I owed them any money. I was eventually able to remove their derogatory marks from my credit report. Last week Grant & Weber again reported the same 4 debts to my credit report without any other form of contact. I have talk to other people who have dealt with the same collection agency and no one had a good experience. Their practice is shameful. They want to hurt, not help you. They give vague information and when you ask for details they get upset and are very condescending. If you are lucky enough to get them to send you information to validate your debt it is a joke. The information is as vague as the reps are. Ask them anything about the debt and they turn on you. This company should be put out of business!
Complaint sub-issue: Overdrafts and overdraft fees

PNC, at their discretion, will make a decision on whether or not they want to have a transaction go thru at a charge of {$36.00}. That I understand, however, I am not understanding why they STILL charge me {$36.00} if they do not allow for a transaction to go thru. They will make it appear as if they are actually going to cover it and then a few days later, reverse it to not cover and then charge {$36.00}. That is totally not right as well as false information that they are giving us. Not only that, you CAN NOT send a XXXX without having the money in your account. I use XXXX primarily to send money from PNC to my other checking account. How in the world are they charging me {$36.00} in overdraft fees for sending XXXX payments all because their checks and balances are not set up correctly in their system is beyond me. When I requested my fees back, I was told they could not even though the agent agreed with me that yes, that is not correct for them to do. I also did not ask for PNC to give me a credit due to COVID. That in itself is throwing off their checks and balances as well, which the agent acknowledged. Then having the nerve to charge me an overdraft fee for money I didn't even ask for if it overdraws my account! I wasn't even given an option to opt out of it! Finally, I have been monitoring my account to see how far of an extent they are going with their shenanigans. I took overdraft protection off so that my card would decline any transactions that would not be able to be covered, and yet again, they allowed something to go thru and this time a transaction that they denied and charged me for from before! It's ridiculous!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

During the months of XXXX to XX/XX/XXXX there were fraudulent charges on my account. My XXXX card caught the change in charges, but Citi did not. I had an average of $ XXXX {$300.00} per month on the card. In XXXX of XXXX there was nearly {$2000.00} in charges. Over the next two months the charges came up to over {$6000.00}. At no time did Citi question any of these actions. I am an old woman and trusted the company that I had been with since XXXX to look out for these types of things. I have been attempting to work with Citi on this since XXXX of XXXX when we started getting things organized. I have trouble doing these types of things so I had my daughter come in from out of town to help. We called Citi and spoke with someone in XX/XX/XXXX. We finally had copies of all the statements and went through everything we knew were fraudulent charges. The person we were speaking with did not speak good English, so we requested an email to send the document in to. This was done in XX/XX/XXXX. For the next several months we went round and round with Citi, they claiming they never received it, then they found it, but they have to send it to another department, then that department doesn't know anything. We were finally able to speak with someone who spoke English and went over each charge individually over the phone. The charges were removed, but not the interest that had accrued on those charges. I had been making the minimum payment still on this card through XXXX of XXXX. 

I sent a certified letter with copies of the original email I send, a letter outlining everything, as well as copied of the statements. This was done on XX/XX/XXXX. We have not gotten confirmation that they received it nor received any communication beyond telling me they're going to file this as non-payment on my credit report. We have requested to them that they only communicate via mail or email as each person we talk to knows nothing as apparently no one puts notes on anything at all. 

They also kept questioning on the reasoning of " taking so long to report this ''. I have been working on reporting this since XXXX of XXXX, with more effort being able to be made in XXXX of XXXX thanks to my daughter.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX, Equifax released information that millions of their customers became victims of identity theft. Following their website 's instructions I checked to see if my information is part of this issue and my identity has been compromised. I have submitted my request to freeze my credit with the proper agencies.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I opened a secured credit card with XXXX in 2015 with limit of {$200.00} dollars. The credit card mail me back the deposit of {$200.00} and make my credit card unsecured. The problem is how I can use a credit card with {$200.00} dollars limit without be lower than 30 %? I travel a lot internationally. My income is very higher and I have 7y history of credit report and excellent score.
Complaint sub-issue: Account status incorrect

I have paid this account and it should be removed per their policy and what I was told in agreement to paying off the account. The account manager XXXX XXXX XXXX XXXX XXXX She stated that it was to be updated as agreed the account The website also states the new policy which is what the agreement was based on.
Complaint sub-issue: Company closed your account

On or around XX/XX/XXXX my credit card accounts were closed by Citi Bank. When I called Citi Bank asking them what the reasons are for closing my 2 credit card accounts they didnt have any reasons listed as to why the credit card was closed. I received a letter in the mail with a statement that my credit cards were closed and I was told by a Citi representative they had no reasons listed as to why the account is closed. The credit card company wants me to pay a bill payment on XX/XX/XXXX for {$290.00} on my XXXX XXXX Citi XXXX that has a balance of {$6600.00}. As for the other Citi XXXX Credit Card theyve sent me a bill to be paid on the XX/XX/XXXX for {$340.00} with a balance of {$5600.00}. I asked if I could take out my rewards they said, You have {$0.00} in rewards the account was closed they said I forfeited my cash back benefits of $ XXXX When they closed my account. Ive made several phone calls to Citi Bank and they say they cant do anything to help open my account back up.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am Living Human Being.I have Rights under 15 USC 1681 Equifax is govern By 15 USC 1681. And they violated my rights numerous of times I demand the account below listed to be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not Give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX IF XXXX An also the list of unauthorized inquires that also are reflecting on Equifax that are going against my consumer rights as a living person. 

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: Problem getting your free annual credit report

The complaint below was filed with the CFPB on or about XXXX XXXX, XXXX after I tried to get my Equifax report on line. My wife just attempted to get her Equifax report this evening and was met with the usual Online Delivery Unavailable. We are now into our fourth year of each one of us being denied our Equifax report online. 
-- -- -- -- -- -- -- -- -- -- -- -- - My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the fourth year in a row now, neither one of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and two supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
Complaint sub-issue: Information belongs to someone else

I disputed this fraudulent information with the credit bureaus and both XXXX and XXXX removed the accounts in question but Equifax did not.
Complaint sub-issue: Can't get flexible payment options

I have tried to apply for an income based repayment plan. They are now telling me I need to apply again for the  3rd time sin ce  XXXX . They state I still have  one p ending. This has been going on for months, meanwhile they raised my payment to over {$1200.00} a month when it is supposed to be {$450.00}. This has caused me to have to forebear payments which is causing a negative amortization on those loans.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Several years ago, as I understood it, XXXX 's transferred their credit card processing to XXXX XXXX and subsequently to XXXX   XXXX XXXX XXXX  for actual charge and payment processing. For this I have had no problem. However, I recently became aware of another account created for my wife which was a XXXX 's Account. We were not aware of this separate account since the only credit cards we have are the XXXX XXXX XXXX XXXX card. For this separate XXXX 's account we are now being charged fees and overdue charges and also receiving bad credit reports to Transunion.
Complaint sub-issue: Information belongs to someone else

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX, all non-account holding inquires such as XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added XXXX XXXX # : XXXX