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

Hi there - I have a Best Buy credit card and have made two purchases selecting no interest for 12 months. Whilst paying off my first purchase, I was in the middle of moving and switching banks and my payment went from the wrong account. They graciously waived the late fee ; however, a random {$2.00} fee for " Minimum charge '' appeared on my account.

When I messaged to ask them what it was for, this was the response I received : " The terms of your account explain that there is a minimum periodic interest charge of {$2.00} for each billing cycle in which your balance has not been paid in full. '' It seems ridiculous. I don't expect the CFPB to intervene in this instance, but wondering if Best Buy has a pattern of " minimum periodic interest '' charges? Seems like XXXX to me. 

Thanks for your hard work! 
XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

OnXX/XX/2018XXXX I mailed a letter to ERC requesting debt validation. I was sent a copy of a bill from XXXX XXXX XXXX in the amount of {$1000.00} and no validation about a XXXX bill in the amount of {$650.00}. I requested proof that I was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/2018, that this was not a request for verification but a request for validation. I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or delinquency verification that debt was assigned or sold to the collector ERC has failed to provide me with this information. Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove they have the legal right to collect this debt.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor are these names and addresses listed on file. Please remove them.
Complaint sub-issue: Account information incorrect

I am part of a class action lawsuit against XXXX XXXX XXXX, as a result my attorney was looking over how they are reporting and I noticed the late payments XXXX XXXX XXXX has been reporting from 2017. 
My XXXX XXXX XXXX accounts are reporting I was 120 and 150 days late back in XXXX, XXXX and XX/XX/2017. This is not accurate. 
And the identical account is being reported 3- times misleading anyone who would receive my credit report I have never been late for any of these accounts. I send in 1 payment every month to cover all the accounts. XXXX XXXX XXXX was not properly allocating the money at that time.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter off on XX/XX/2022. Here 's my tracking number XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution isn't suppose to share my information to third party people. 

These are clear violations of my federally consumer rights.
Complaint sub-issue: Reporting company used your report improperly

I, the consumer has attempted to reconcile directly and through equifax and experian to delete these accounts from the consumer report Pursuant to 15 USC 1681 there is a grave responsibility to my privacy there is no written consent given to Dept of education, XXXX, or XXXX  to report any of this information there is no consent given to XXXX  equifax or XXXX  to furnish this information
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX-Balance {$560.00} XXXX  XXXXXXXXBalance {$440.00} XXXX XXXX-Balance {$840.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance {$0.00}
Complaint sub-issue: Information belongs to someone else

I am a victim Of identity Theft someone use my personal Information without my Authorization to open account for there Benefits
Complaint sub-issue: Their investigation did not fix an error on your report

Citi bank has been lowering my credit limit on my card. The most recent letter states it was because I dont have the score necessary to maintain the limit due to : negative public records, delinquency, not having credit open long enough etc and that they are using XXXX for my score and it is reporting a score of XXXX as of XX/XX/XXXX. This is not true I have no late papyments, negative public record or negative items in my report. I confirmed with XXXX online and over the phone. They are showing my score as XXXX and per the XXXX rep on the phone yesterday theyre is no way they are getting that low score for you from us there is nothing in your credit report to generate that low score. I have called Citi bank multiple times and they can not or will not give me an answer as to what is driving my score down on their systems or what the negative items the letter references are exactly. At one point an account manager XXXX got flustered with my questions and lied to me saying she was transferring me to the credit department but instead just sent me back to main customer service line. While in the phone at another point with a customer service representative XXXX he stated at one point there was an issue with the system feeding in wrong scores but that should have been fixed and was a while ago. 
I submitted the dispute of the score through Citi but got a letter on XX/XX/XXXX saying everything was accurate without any further details or supporting evidence or documentation. 
My feeling is that there must be some sort of system issue where scores are being mixed up or they are pulling in a similarly named persons score. They stated that the credit lowering process is automated by the system and no one is reviewing it and based on my calls its is sounding like nobody at Citi customer care knows how it works. There looks to be the possibility of it is a system issue to have a greater impact than just myself and the process of them regularly lowering the credit limits to within a few hundred dollars of the outstanding balance that has always been paid in time could lead others to go over their credit limits and negatively impact their accurate score by using more of the percentage of total credit available. It looks to be to be both unfair and deceptive as the score is wrong and they will not give me a complete and supported answer i to what is the cause of it, while trying to just get rid of me on the phones as opposed to giving real answers to find the truth. 

I do apologize for any typos and formatting errors in this write up as I am doing it on my phone.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze be on my XXXX XXXX XXXXt. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize credco to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX and XXXX attachment is my police report for fraud
Complaint sub-issue: Their investigation did not fix an error on your report

Dear XXXX  XXXX XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it.

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Complaint sub-issue: Information belongs to someone else

while attending XXXX college in dc the school was closed on XX/XX/XXXX I attend this school from XXXX-XXXX. I was lied to about job placement. Deceived as far as the financial aid department reporting my correct balance. There XXXX accreditation which was lost when school closed. This school is currently under lawsuit because of inappropriate acts. Additional loans where taken out of my name without my knowledge.
Complaint sub-issue: Banking errors

Citi has failed to honor the terms and conditions of a deposit account marketing offer they sent me via email. I accepted the offer and completed the required activities, including depositing {$15000.00} in a new account ending in XXXX on XXXX XXXX, 2021, and leaving it in the account for the last 6.5 months. 

In addition, Citi has failed to update my Social Security number ( to rectify their mistake ) even though I've sent the proper documentation. 

I have reached out to Citi and received conflicting information on numerous occasions as well as complete lack of followup and/or caring. 

I consider Citi 's actions to be bait and switch and subject to UDAAP regulations. They are effectively holding my funds hostage and not paying the marketing offer amount ( {$400.00} ) nor any interest. Please assist. 

Thank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is the third time I have had this dispute with Equifax. I am disputing a debt with XXXX XXXX XXXX. I have offered evidence that I only owe {$350.00}. XXXX XXXX validated this evidence on my credit report with Equifax. Then 2 days later XXXX XXXX is claiming that the balance they validated to be correct was not correct after all. Equifax has favored with XXXX XXXX. Equifax is saying that I am a liar and XXXX XXXX is telling the truth. They have not called me a liar but thats what they are doing. I want to know why Equifax thinks XXXX XXXX evidence is more credible then mine when XXXX XXXX went on record with XXXX and XXXX  and validated my claim of {$350.00}. The balance of {$350.00} is still showing up on my XXXX and XXXX  credit report. ( see attached documents. ) XXXX XXXX tells XXXX  and XXXX  that my balance as of XXXX the XXXX is only {$350.00}. That balance is still current. So either XXXX XXXX lied to XXXX  and XXXX or the lied to Equifax because they are reporting different things to all 3. If they are telling Equifax one thing and XXXX  and XXXX something totally different then why is Equifax giving their evidence more credibility than mine? What makes XXXX XXXX evidence more credible then mine when XXXX XXXX themselves validated my evidence. I want Equifax to remove XXXX XXXX trade line from my credit report. Its obvious XXXX XXXX is not credible if they are reporting 2 different stories.
Complaint sub-issue: Their investigation did not fix an error on your report

My personal information on my Equifax credit report is incorrect. I sent all documentation required both by fax and mail. My fax was confirmed that it was received. I could not get the issue resolved by the regular Equifax customer representatives. I requested to speak with Supervisor. The supervisor looked into the issue and after a long tedious process stated he updated my information. My birth year was incorrect. When I went to the Equifax online app. I found the information was not updated. Because I had been trying to resolve this four hours. I called the fraud number. I spoke with a supervisor who looked into the matter. He informed me that he was looking at his system and it showed the information was updated. He stated that my birth year was listed as XXXX I informed him that I was currently looking at the Equifax online app and it showed that the my birth year was incorrect. It had it as XXXX. 

These are the problems I encountered.

1. The main system at Equifax does not match the information that is on the Equifax on line app 2. The customers services representative are not able to have access to all the information and changes made by supervisors and as a result is giving the consumer information that is not totally accurate.

3. The verification process should be looked into. Representatives are asking verification question over and over again during the same call. It is not an efficient process and it is actually inhibiting consumers from getting critical information updated that is incorrect on their credit reports. 

In addition XXXX has address and are incorrect. This information does not match the Information that XXXXXXXX XXXX uses. The XXXX XXXXXXXX at XXXXXXXX XXXX told me that they are associated with XXXX. He pulled my credit report and verified the addresses that he showed on file. He went over each one separately. I confirmed the ones he had on his system were correct. When I checked the online Experian account it had addresses with information that were NOT correct there were addresses that the XXXX XXXX XXXXXXXX did not have. This informs me that the information for XXXX across different application and/or business users of XXXX products are NOT consistent. 

XXXX does all application and companies that use XXXX have the same information?
Complaint sub-issue: Didn't receive enough information to verify debt

I am not sure where to begin. I received a notice from the debt collector, ERC, concerning a debt to XXXX XXXX. This service was stopped when we moved to Arizona in XX/XX/XXXX/XX/XX/XXXX. I do remember some correspondence from XXXX XXXX stating that we owed something, I wrote back stating I did not, and do not remember after that. All of the documentation I had, was discarded about a year ago. I thought the problem was resolved. 

Now, I get this first letter on XX/XX/XXXX from ERC that I owe them because of the XXXX XXXX dispute. I disputed that and just received another letter from ERC, dated XX/XX/XXXX. I have NOT received any specific information concerning this XXXX XXXX debt, what it is and why they think I owe it. 

What are my rights and what can I expect from ERC concerning this issue? The amount they are talking about is very little, but I don't want to be ripped off for even a dollar? 

Attached are the two letters received from ERC. One is  dated XX/XX/XXXX, which was received XX/XX/XXXX & the other dated XX/XX/XXXX and received XX/XX/XXXX. I appreciate your feedback and help.
Complaint sub-issue: Was not notified of investigation status or results

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report.

CITIBANK N A Account ID : XXXX I submitted sufficient information for performing a reasonable investigation of my dispute. Unfortunately, they neglected to do so. If they would off had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though three Bureaus claims to have this verified. Depending solely on flawed e-Oscar system has proven to produce less than accurate and fair information. I request Bureaus take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.
Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain mortgage.
Complaint sub-issue: Debt is not yours

I signed a copier lease as the owner of my previous company, XXXX XXXX XXXX financial and insurance services with TIAA. I closed my company on XX/XX/2021 in the midst of the corona virus crisis. While there were still lease payments remaining on the lease, TIAA abandoned the property. I offered to return the copier to them and to return the unused cartridges. TIAA refused saying that my copier was too old and told me to simply throw away the copier and cartridges which I did. Now, over 1 year later, they have turned me over to a collection agency and told me to deal with them on the remaining lease payments. I have closed my business and there are no assets remaining in the business. The lease contract was in the name of my business and not in my name personally. Yet, they are trying to collect a debt that is not owed by me and for property that they abandoned.
Complaint sub-issue: Can't close your account

I received a mailed advertisement from Discover about their Discover It card. As I've been looking to replace my current credit card I followed the links and prompts listed in the information to find out what my credit line would look like with that new card. In completing the application I was notified an account was created, which is not what I expected -- I was merely trying to get an estimate of my line of credit. I immediately called the customer service number ( XXXX ) and told I am not able to cancel the account until documents are generated in the coming days, leaving me unable to close an account I never wanted to open in the first place. I expressed my concern to the employee, XXXX ( employee # XXXX ) who reiterated and confirmed she wouldn't close the account.
Complaint sub-issue: Public record information inaccurate

SAGE STREAM I applied for a credit card for XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX. 
I had a card with them for years, but canceled it in XX/XX/XXXX when XXXX and XXXX XXXX cards merged. I did not receive credit for clothes I returned, so I canceled my acct since they were having so many problems while they were merging cards. 

I applied for a new card on XX/XX/XXXX. They refused to give me one. I have EXCELLENT credit. I called XXXX and XXXX XXXX  and asked why, and they said they could not tell me. They told me to call Sage Stream. Sage Stream said they could not tell me either, but would send me a letter. 

The letter of XX/XX/XXXX said, " We are unable to approve this application at this time because the information provided by the credit reporting agency has indicated that the applicant is deceased. '' I was concerned I had fraud, so I got credit reports from XXXX, XXXX  and XXXX. Everything was correct and my FICO is still very good. 

Sage Stream said that I should contact XXXX regarding my consumer file. XXXX said that they did not see a deceased statement on my file. 

Sage Stream refuses to help correct this information, so I am placing a security freeze on my account. 

Who is Sage Stream and why are they creating so many problems for people? 

Please take action and help consumers. 

Thank you! 
XXXX XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to XXXX XXXX XXXX. My mother has a joint account that was being used at PNC and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.
Complaint sub-issue: Information belongs to someone else

I have sent a certified letter to XXXX XXXX to investigate every piece of information on the accounts I have listed. According to the FRCA 15 USC 1681 everything must be 100 % accurate and a proper investigation was never done in which these items still remain on my personal credit report. Attached are a list of the accounts : XX/XX/XXXX {$590.00}, XX/XX/XXXX {$990.00}, XX/XX/XXXX {$370.00}, XXXX XXXX {$610.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$1300.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$920.00}, XX/XX/XXXX {$590.00}, XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$490.00}. I am also attaching the tracking number to the certified letter that was sent to XXXX XXXX as follows : XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX