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

I have a Citi Aadvantage Mastercard ending in XXXX. I dont actively use the card and I received an annual fee of {$99.00} in XX/XX/XXXX. The payment was due on XX/XX/XXXX and I remember making the payment on due date but it posted on XX/XX/XXXX. While the statement didnt close until XX/XX/XXXX, Citi charged me {$30.00} late fees and finance charge of {$1.00}. I had no idea that this late fee and finance charges were on my account. Then in XXXX I received another late fee and finance charge. Now I had a balance of {$63.00}, all made up of just late fees and finance charges that were initiated by a payment made on time but posted a day late. I only noticed because I was just checking my accounts online and saw that my account is past due. 
I called Citi because my main concern is being reported to the credit bureau. The customer service agent said he could only waive 1 late fees and I need to check with credit bureaus if this account was reported late. 

I just made the payment of {$63.00} but am writing this complaint because I feel this was unfair to be charged late fees and finance charges for an annual fee on a card I dont use. Yes, I should have canceled the card if Im not using but the flip side is that Citi should also have been a bit customer friendly and waive these late fees and finance charges that originated because a payment was posted a day late.
Complaint sub-issue: Trouble with how payments are handled

I am currently paying back federal student loans held by AES ( aessuccess.org ). I have been enrolled in their auto repayment program for years, where my monthly payment is automatically extracted from my checking account. I received a call from them earlier today, XX/XX/2016. The voicemail left by the caller was just silence, but after researching the number I was able to determine the caller was AES. 

After logging into my AES account, I saw a note that one of my loans is delinquent. Even though I 've been enrolled in their automatic repayment program, due to some reason they decided not to process my payment, and mark my account as delinquent. Nothing has changed with my checking account. There are n't any issues regarding a lack of funds available in the account. My other student loans that are held by XXXX XXXX are also enrolled in automatic payments, and those payments were processed successfully.
Complaint sub-issue: Problem getting my free annual report

Equifax Information Services LLC XXXX XXXX XXXX, XXXX XXXX CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX FALSE INFORMATION ON CREDIT REPORT SEE ATTACH UCC 11 SEARCHES SHOWING TO NEITHER LIENS NOR ANY DEBT refuse to issue full credit report ON CREDIT FILE XXXX/XXXX/XXXX I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

1. ) XXXX COUNTY CLERK ID XXXX Date XXXX XXXX $ XXXX-See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX XXXX by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX COUNTY CLERK ID XXXX Date XXXX XXXX {$11000.00} See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX SUPRM CT ID XXXX Date XXXX XXXX {$32000.00} See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date Apr XXXX over the 7 year period for reporting also See UCC 11 SEARCH herein Attach no liens filed NY XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date XX/XX/XXXX {$26000.00} Federal tax lien filed. Please See UCC 11 SEARCH herein Attach no liens filed NY XXXX XXXX by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date XXXX XXXX {$93000.00} Federal Tax Lien filed but Search of UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. Sign under penalty and pains of perjury 28 USC Section 1746 ( 1 ) ( 1 ) If executed without the United States : " I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

Dated XXXX/XXXX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX TRUST CONTRACT XXXX clear violation of the FDCPA act. You are within your rights to sue them for damages in small claims court for these violations.Intend to file a basis of Lawsuit
Complaint sub-issue: Reporting company used your report improperly

They allowed my personal information to be breached and did not warn me.
Complaint sub-issue: Public record information inaccurate

Equifax has liens showing as wrong amounts and incorrect information. according to the law on a tax lien name & address and social security has to be attach to the lien as birth of date on the lien for the notification to be showing on my credit report. 
lien name & address as well as me living in the property or the property in my name. as you have on file is not my property nor is it in my name. 
As to your file confirmation # XXXX it does not show my name nor my social # or date of birth. laws was passed to this matter on liens on credit files.
Complaint sub-issue: Frequent or repeated calls

XXXX has repeatedly called my work place after being told it was my work number. They called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Problem getting your free annual credit report

2nd Complaint - ID FOR COMPLAINT SENT TO EQUIFAX XXXX I requested my free annual credit report from Equifax and the company has refused to provide it online, referring me to a written request. Subsequently my written request was not honored, since XXXX sent absurd, abusive, and inappropriate " identity verification '' demands to me in a refusal letter. 
Equifax is demanding proofs that are likely not to be obtainable by many reasonable persons, including demands that information given be from the last two months only. Other abusive and illogical demands Equifax is making are for very recent pay stubs when I have not worked for an employer who provides pay stubs for six months, a demand for an address from a state insurance card when California XXXX cards do not contain addresses, and a demand that utility bills be in one 's  name to establish identity proof ( Like millions of people. utilities at my residence are not in my name and I have only a pay-as-you-go telephone with no monthly statement. Further, bank statements do not include social security numbers, and I sublet from another person so there is no lease in my name.
Complaint sub-issue: Information belongs to someone else

The accounts listed in the FTC aren't mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. How many times do I have the Credit Bureaus that the information they report on my Credit File is erroneous and is leading to a Negative impact on my Credit File? I have been requesting for the Credit Bureaus to conduct a proper verification of the Disputed accounts by sending me certain documents to prove the Credit Bureaus credibility and authenticity of the information they present. I don't even know if the Credit Bureaus really did conducted an investigation or not since they have never responded to my Letters. Right now, I am submitting this complaint once again to have the following items investigated and corrected. If the Credit Bureaus can not provide proper verification nor correct the disputed accounts, it would be wise to have the items removed completely from my Credit Report : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not know reason, Nine hard inquiries multiple less than the 14 days between rate inquiries.XX/XX/XXXX XXXX inquiry, did not ask for them to do anything. Please remove inquiryXX/XX/XXXX Inquiry reported from XXXX XXXX XXXX and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX hard inquiries too close to count as separate inquiry. XX/XX/XXXXand XX/XX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have 3 hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called XXXX the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.
Complaint sub-issue: Didn't receive notice of right to dispute

I submitted letter to the bureaus to get this information corrected and nothing was received. I also sent information to the creditor nothing was received.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax via certified mail multiples in XXXX, XXXX, XXXX ( XXXX & XXXX ) and XX/XX/2021 about removing the fraudulent items on my report and i also sent them my FTC Identity theft form notarized. They still have not the negative fraudulent items.
Complaint sub-issue: Other problem getting your report or credit score

Requested a copy of my report from Innovis on XXXX XXXX and was told I would receive a report in a few business days ( see copy of email below ). As of XXXX XXXX XXXX I have not received a copy of report nor explanation of delay. 


Dear [ Name withheld ] Thank you for ordering your Innovis Credit Report. You can expect to receive your credit report in the mail within the next few business days. 

Below are the summary of your rights under the law. 
Federal FCRA Summary of Rights : https : //www.innovis.com/pdfs/fcrasummaryofrights.pdf Sincerely, Innovis XXXX Assistance
Complaint sub-issue: Billing dispute

i paid XXXX long time ago and the collection is still on my credit file the collection agency is refusing to remove the collection XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted.      XXXX , Equifax and  XXXX  : Credit Plus  XXXX   XXXX  :   XXXX   XXXX     XXXX     Equifax :  XXXX   XXXX   XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Good time of day, On XX/XX/2020, at XXXX EST, I made an online booking for three business class tickets, for a round trip Washington - XXXX - Washington , for XX/XX/XXXX. I paid a full amount for said tickets with my Citibank MasterCard, with a total amount being {$9900.00}. Prior to booking with an airline completely new to me, I had thoroughly researched all of their policies, ensuring that, in case of our inability to travel due to Covid-19 or any other reason, I would have some means of obtaining a refund. The XXXX XXXX refund policy at that time, available on their website. specified, in part, that any cancellations made within twenty-four hour period from booking are eligible to a complete and full refund. 
Later that same day, I found out that the tour operator, XXXX, will be cancelling all tours, including mine. So at XXXX on XX/XX/XXXX, I filed a cancellation request for this booking with XXXX XXXX, receiving an email confirmation of my action. At that time, the web site stated that all refunds are done after 21 days, which seemed outrageous to me, given my cancellation nine hours after booking. But I waited, and waited, and waited. After almost a month went by, I tried contacting XXXX XXXX. There was no telephone service available, with the only telephone contact being two tickets offices - XXXX XXXX  and XXXX XXXX  Both have proven fruitless. So I sent email after email to any address i could find, which turned out to be at least six different contacts. Most have gone unanswered, with some generating an electronic auto-response email. Despite repeatedly asking to be contacted about this issue, no contact was initiated and no refund followed. 
On XX/XX/202, I received an email from the airline, stating that our flights have been cancelled and advising us to contact the airline. How? I tried more of the same email routes. No answer. 
Finally, on XX/XX/XXXX, I fled a dispute for the full amount of charge with the credit card company, Citibank, citing breach of contract. I have complied with the 24-hr cancellation policy and did not get a refund, as I was supposed to. Moreover, the airline itself cancelled the flights and still did not refund the money. Citibank requested me to sign an affidavit and provide supporting documentation. I did so in a couple of days. The Billing Dispute department of Citibank gives no ability for me to speak to the investigator, so the only information I have is what is posted under documents on the web site. That section claimed an investigation is progressing, until XX/XX/XXXX, when a letter was posted, declining my dispute. Using the same email, provided by Citibank for billing dispute contacts, I sent a letter of protest, directly demanding to be contacted by the investigator on my claim. It was ignored, as I received no response. 
Several documents, supporting my claim and documenting the course of dispute, are attached.
Complaint sub-issue: Problem during payment process

Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days  beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. 
We request the Agency investigate the postal marking on the envelops. Request the late fee be removed and credit on our account.
Complaint sub-issue: Their investigation did not fix an error on your report

Account # XXXX - XXXX XXXX/XXXX  On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. I contacted Equifax on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. I looked at my credit report today through XXXX XXXX and saw that this account was updated with no remarks. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. l have attached the Settlement Letter from XXXX XXXX XXXX and a Receipt from USPS for your review.
Complaint sub-issue: Information belongs to someone else

I have disputed unauthorized inquiries on my Equifax credit report four different times. Each time I have received the same response " inquiries are factual record ''. I have contacted the companies at the addresses and phone numbers provided by Equifax and they do not have an account with me nor do they have any record of a credit request by me. I have explained to equifax that I have been a victim of identity theft several times since my college was hacked in XX/XX/XXXX. I believe the inquiries in question were an attempt to fraudulently receive credit using my identity. It is the duty of the credit reporting agency to investigate the authenticity of the information provided and to take a consumer dispute seriously. Just because an inquiry is factual does not mean it was authorized! After I received my last dispute results from equifax I called them and was told by a rep that they do not even investigate inquiry disputes. This is absurd! The FCRA clearly states that the only permissible purpose for pulling a consumer 's report is for a firm credit offer, insurance, employment or a court order. None of these apply to me so these inquiries need to be removed or properly investigated. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have started this back in XXXX, where I felt that there items on my credit report that were inaccurate, the credit bureau responded and stated that the items were verified and accurate. On XX/XX/21 I sent another certified letter asking to provide me the process on how these items were verified. Its is now XX/XX/21 and I still have not received any proof. I think it's weird that it would take this long to provide proof when they sent me in writing that these items are verified. In on top of that I believe my rights are being violated, these items are definitely don't belong to me. Please help with fixing this issue
Complaint sub-issue: Deposits and withdrawals

I opened a account at Key bank online. I then went the next day and deposited my payroll check and an expense check. No issues. I then set up direct deposit. 

I travel for work so my new account had log-ins in multiple states. They froze my account. I went to the bank and verified everything NO FRAUD! They then told me my account is frozen for 90days and I cant use it. Since then I have had a direct deposit rejected and waiting for a new check to be cut, my initial pay check is frozen. No funds going on 3 weeks now till I get a 3rd check. Been assessed countless fees, services being suspended, and I cant even even buy food for my home.

The bad workers said I cant help you or I could lose my job my funds are frozen unjustly and now I have occurred financial hardship, My services are off, and I cant eat. Nobody is helping or seems to care there. I dont know what to do. I also feel they owe me my funds plus the fees Ill I have to figure out. It will take me months to recover from this neglect.
Complaint sub-issue: Public record information inaccurate

THE DISPUTED ACCOUNTS ARE BANKRUPTCIES THAT HAS BEEN DISMISSED. PLEASE REMOVE THOSE ACCOUNTS FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. ATTACHED ARE FORMS SHOWING PROOF OF THOSE DISMISSED ACCOUNTS
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act these accounts has violated my rights. Please see below : XXXX MORTGAGE XXXX XXXX, I was never 30 days late in XX/XX/XXXX or XX/XX/XXXX. The other bureaus have me listed as, Paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX  XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX. 

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 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: Reporting company used your report improperly

I got a auto loan from XXXX XXXX in XXXX NC in XX/XX/2021. The car had problems since day 2. To get the car fixed I had to redo my auto loan in They broke down in XXXX and I told them the location of the car because they werent interested in helping me get it fixed. In XXXX they ran my credit twice without my permission then asks me if I got another car. I did not give permission to run my credit I involuntary gave my car up and still running hard inquires. That is not legal.
Complaint sub-issue: Need information about my balance/terms

I took out what I believed to be a private personal loan in XXXX from XXXX. This was not based on my attendance at school or any other financial aid but was considered a " private signature loan ''. In XXXX, I fell on financial hardships and filed for bankruptcy which was discharged in XXXX. The lender received notice and did not object to the discharge during the bankruptcy proceedings. I was led to believe that the loan was eventually discharged with the bankruptcy in federal court. However, in XXXX, after a series of transfers of holders, the lender 's newest agent sued me in Indiana XXXX XXXX, arguing that they were a private student loan that met the priority exceptions to bankruptcy. However, they are not specificied as a priority that is listed in the statute and I believe they should have been discharged with the bankruptcy. I need to know how I can tell if this loan was considered dischargeable or not. I pulled my NSLDS record and they are not listed as a government backed student loan as required under 11 USC 523 ( 8 ) a. Nor do I find that they are a qualified student loan under 11 USC 523 ( 8 ) b. Please advise me to the appropriate source to determine for sure whether or not the loan qualifies to survive bankruptcy and whether I would or would not owe it. I have consulted several attorneys who seem to say this is too technical and there should be an easy resolution.