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

I have been writing letters to the XXXX major credit bureaus, XXXX Equifax and XXXX since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and Equifax are reporting a balance of {$17000.00}, while XXXX reports a balance of {$17000.00}. The Date of Last Payment also does not match! XXXX reports XXXX/XXXX/XXXX, Equifax reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX Equifax and XXXX. For instance, the Open date on Equifax says XXXX/XXXX/XXXX but on XXXX it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car. I badly need your help on this.
Complaint sub-issue: Charged too much interest

I did a Balance Transfer, was charged a fee, to receive a zero percent APR on that balance transfer. 
I continued making purchases on that card but always made on time payments in excess of purchases to take down that balance transfer. 
As per the credit card agreement, for purchases I am supposed to receive a 24 to 30 day grace on interest on purchases. The way the credit card allocated the payments, they would allocate my payments against my balance transfer so that I wouldn't pay my purchases for the month in full, and as such allowed the credit card company to continue charging me interest. My understanding is that payments should be made against the higher rate balances first, which would be my monthly purchases, and then apply any additional payment against the 0 % balance transfer. When that wasn't being done, I asked the credit card company to explain how my payments was being allocated and so I can avoid the interest. They would not furnish this information to me on my request. As a result, I have been assessed hundreds of dollars in interest charges over the 0 % APR promotional period. I think the bank is not acting in good faith and given they wouldn't disclose how my payments were being allocated, that is a deceptive tactic. I should be compensated for the interest charges I have been assessed.
Complaint sub-issue: Reporting company used your report improperly

This company is in violation of the following : Violation : 15 USC1692 e ( 2 ) reporting inaccurate debt amounts Violation:15 USC1692 b ( 2 ) Violation:15 USC 1692 b ( 5 ) Violation:15 USC 1692 e ( 11 ) Remove this amount reported falsely on my report immediately. This company failed to verify and prove this debt belongs to me and that the information reported is accurate. 

This company claims an account was opened on XX/XX/22 ... .. provide original documentation proving this to be a mutual contract agreement. Also provide the invoice showing why this money is owed.
Complaint sub-issue: Account status incorrect

My rental history payments have each been made before the court date. Back in 2019. And they are still showing as not satisfied. The landlord has confirmed all have been satisfied
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I first reached out to XXXX, XXXX on Saturday, XX/XX/XXXX regarding a new inquiry on my credit bureau. I informed them that my credit was run without my authorization. They told me to dispute the charge with the credit bureau. 

I filed a dispute the same day with Equifax. On XX/XX/XXXX I received an email from Equifax stating that they were unable to remove the inquiry and to contact the company directly. I then filed a complaint with XXXX  on their website. I was contacted by XXXX XXXX of XXXX on XX/XX/XXXX regarding the inquiry. I explained to her what happened, and she assured me that she would be forwarding my information to her legal team and that the inquiry would be removed. 

I then contacted Equifax myself on XX/XX/2018 to check the status of the removal. I was told by the representative that nothing had been submitted regarding the inquiry. I then emailed XXXX again the same day but I never got a response back. I then decided to wait 30 more days to allow more time. 

On XX/XX/XXXX, I filed another complaint on XXXX website. I was then contacted by XXXX XXXX. I explained to him what all happened, and he said he would be the one handling this matter from now on. Ive been corresponding with him for the past five months, and the inquiry has yet to be removed. I have been in contact with Equifax was well regarding the removal. It seems that XXXX is giving me the runaround.
Complaint sub-issue: Information belongs to someone else

Eighteen years ago, in XX/XX/XXXX, my then-husband and I opened a line of credit with BB & T bank in XXXX, MD. We owned a business and the line of credit was for business use. Although the business was sold a year or so later, apparently the line of credit was never closed ( it had a zero balance ). My husband and I divorced ; the divorce was final in XX/XX/XXXX One of my primary reasons for seeking divorce was his overspending, which brought us close to bankruptcy and caused our house to go into foreclosure. I thought divorce would finally release me from being financially tied to him. But no. Last month I was notified by XXXX XXXX that my credit score had dropped due to increased debt. I checked my account and saw a debt of {$1900.00} at BB & T. I immediately filed an online dispute and was notified that it was a valid debt, but it is not mine. It is my ex-husband 's. In XX/XX/XXXXorXX/XX/XXXX, he went to BB & T ( still his bank ) to open a personal line of credit. They informed him that he still had one. Neither they nor he thought to verify the owners of that account. So this new debt of his was posted to my credit report. I do n't know if this qualifies as fraud, but it certainly is negligence. And it has negatively impacted my credit, which I have been working for the past three years to repair. I want my name taken off this account and my credit restored. My husband currently lives in XXXX, PA and has been unsuccessful in getting this problem fixed. The bank manager there, XXXX XXXX or XXXX says there is nothing they can do. How can this be right?
Complaint sub-issue: Didn't receive notice of right to dispute

My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. On XX/XX/XXXX I received a letter from IC System offering some type of " settlement offer '' however I never gave any consent to this company to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. 
I have proof of it and it will be attached to this complaint that IC Systems is violating me as a CONSUMER pursuant the FDCPA laws mention above. 
I try to resolve this over the phone and spoke with XXXX XXXX and she did nothing about it and I also talked to XXXX or Supervisor XXXX XXXX and she stated she can't do nothing because she need it to wait for the Original Creditor ( which is another violation under 15 Usc 1692e false or misleading representations ) because I am the original creditor pursuant 15 usc 1602 ( g ).
Complaint sub-issue: Problem with personal statement of dispute

I applied for XXXX XXXX XXXX with XXXX XX/XX/XXXX. They stated I could not be approved due to the wrong phone number- invalid phone number -cell phone and landline was used on this account Days since most recent inquiry is to shot but it stated it had a number of inquiries on the account- they have managed to contradict their statement about my credit Number of Inquires in the last 12 month was 3. 
I do believe that this company did not check my credit due to the fact it stated my credit report was XXXX I my credit scores with XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX where did they get these scores- I have no late payment on my account in the last 5 years They made up information just to stop me from getting credit. 
I have a XX/XX/XXXXXXXX XXXX which has been paid in full.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute on XX/XX/XXXX. I also called from international calling and was advised to file online. No one has contacted me regarding my " evidence '' of the events. 

I Reserved an SUV for 44 days. The SUV was a XXXX unsafe SUV whose transmission broke down and left my wife and my young kids rolling down a hill on a mountaintop and almost over a cliff. Contacted the merchant several times with no resolution and no replacement and in bad faith. I am XXXX and can't be without a car so I had to rent elsewhere as the original merchant didn't deliver services promised .The car broke down on a hill as we rolled down and almost died and when I called he told me to take a cab home with kids. 

The car that was delivered at the airport was not the car promised. I have several email threads where the merchant gave me the run around and threatened to charge me for damages that were of no fault of mine. He delivered a malfunctioning car whom the mechanic said is a result of age and mileage. 

The issue was that the transmission broke down and it was a 16 year old car that had a lot of mechanical problems. I only learned recently that it's against the law to give merchants a car that is of that age. 

He apparently has done this to many consumers as I found after I read the XXXX reviews. 

I have been a loyal customer who has never disputed anything in my life. The merchant charged XXXX dollars and then after several calls and emails by me he credited only XXXX dollars. He charged me XXXX which is an incorrect amount as the car was supposed to last me for 44 car rental days and only lasted for 9 days and broke down on the tenth day almost costing me and my familys ' life. 

Citi card has not resolved this matter and closed the case siding with the merchant after several emails, evidence, contracts and emails between myself and the merchant. I provided an immense amount of evidence and the investigator closed the case and told me to reach out to the merchant. The merchant has been uncooperative and in bad faith will not do the right thing which is why I disputed the amount. 
I was unlawfully charged by the merchant and now by CITI card XXXX 
This has caused me medical issues such as XXXX XXXX XXXX and XXXX XXXX  that has kept me up all night. 
This erroneous charge has deteriorated my health. 
The credit card company failed me and discriminated against me as I called several times and they refuse to help me. I need this matter resolved immediately. 

I emailed and called credit card dispute department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently again today XX/XX/XXXX. 

I emailed the credit card company at XXXX several times. They responded before they even read my emails. They sided with the merchant and not with a loyal and honest customer like myself. The merchant incorrectly charged for services rendered. Please look into this fraud by the merchant but more importantly from the credit card company. 

Thank You, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The following disputed account is a fraud account as I have never opened or used it : Elan Financial Services account XXXX Please investigate and delete asap.
Complaint sub-issue: Problem with personal statement of dispute

XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30  allowable days.
Complaint sub-issue: Other problem

This is more of a regulatory question than complaint per se. 

I have a Costco CITI Bank card credit card that I typically pay the balance off on a monthly basis and my payments are usually a week or more before the credit card due date. 

I manage my credit card through their online website and rely on their online statements and credit card homepage for all of my account information. 

On all of my other credit cards their website home pages show the Credit Card Payment due date and the minimum balance due. However the Costco CITI Back card website home page does not have this information on their website homepage. To find this information one must navigate to their payment web page. 

As I check my my credit cards on a regular basis I missed seeing this information on the CITI card site and ended up missing the due date. I did make full payment the next day ( One day Late ) and paid late fees and interest charges. I take full responsibility for making the late payment. 

My comment/ question is whether credit card companies are required by regulations to post this information on the home page for their website? I feel that by hiding the due date they are counting on individuals missing their payments and then collecting late fees and penaltys. 

Your feedback on this issue is greatly appreciated.
Complaint sub-issue: Personal information incorrect

I wrote to equifax three different times. I asked them to remove all information that was inaccurate. I have names that are wrong, addresses that are wrong, employers that are wrong. I sent them my ID and proof of address ( utlility bill ) three times. They are not updated my personal information and it's stressing me out.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX XXXX Ive spoke to XXXX from Equifax about two accounts on my Credit Report. Which are # XXXX XXXX XXXX Account ending with # XXXX, its closed and charged off, Also # 2 XXXX XXXX XXXX which doesnt have an account # on this report. As I ask the question of do you have a signature on these accounts from me that I consent to these accounts, XXXX started giving me the definition of the banking system and The Credit Bureaus and I asked again do you have my signature to consent these accounts. Again XXXX dodged the question and I can heat in his voice he was irritated so I asked for a supervisor it took 10 minutes he stated they dont need a signature he knows the law I said do you understand what 15 usc.1681 b2 he says yes you must dont fully understand the law his voice got louder as I started to read ( 2 ) disclosure to consumer which I didnt get a chance so I said you have a great. Im going to file a report this has made me feel sad someone yelling on the phone.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Debt is not yours

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under The Bureaus Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as XXXX XXXX XXXX had not responded and a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/22 disputed inaccurate items with Equifax, 30 days later no resolution. XX/XX/22 diputed inaccurate items. 30 days later no resolotion. XX/XX/22 disputed inaccurate items, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days later no resolution.
Complaint sub-issue: Problem during payment process

I refinanced my home in mid XXXX. I was given a series of checks by my title company, XXXX XXXX XXXX XXXX to pay off ALL of my credit cards. ALL have credited EXCEPT US BANK, which has become a DISASTER!

I've been a LOYAL, RESPONSIBLE US BANK customer for over 12 years!

I sent US BANK, VIA OVERNIGHT EXPRESS MAIL ( label attached, Tracking # XXXX ), a check for {$6700.00} ( copy of stub attached ), written by XXXX XXXX, on XX/XX/2019 to US BANK, XXXX North XXXX XXXX, XXXX XXXX, MO, XXXX ( contact address page attached ) AS DIRECTED TWICE by Customer Service and the address was verified EACH TIME. The envelope was accepted and SIGNED FOR By XXXX XXXX at XXXX ( tracking details attached ). 

The check was ILLEGALLY sent back to XXXX XXXX  instead of the RETURN ADDRESS on the envelope with a letter ( attached ), unsigned, stating the " account number to apply the payment to is missing or invalid ''. I TRIPLE CHECKED the account number and it IS VALID! I was called by the title company on XX/XX/XXXX and told they had just that day received the check and asked me to retrieve the check so it could be resent which I did on XX/XX/XXXX. My payment was due on XX/XX/XXXX so IIMMEDIATELY went to the USPS and AGAIN SENT VIA OVERNIGHT the check to US BANK a SECOND TIME ( USPS LABEL ATTACHED, Tracking # XXXX ). It was received AGAIN on XX/XX/2019 and again received and signed for by XXXX XXXX at XXXX, AGAIN, at the XXXX XXXX address. 

I called the USPS in XXXX XXXX and actually spoke the the VERY CARRIER who told me that these envelopes were in fact delivered and ON TIME! Apparently the Convention Plaza address is a central receiving point and subsequently distributed to the proper building in the complex for crediting accounts. THIS HAS NOT HAPPENED IN EITHER CASE. 

I have called no less than 8 times and spoken to representatives, supervisors, etc but to NO AVAIL. I have spoken and messaged " XXXX '' on US BANK 'S instant messenger page and have been told they are " working on it ''. I have emailed the CEO Of US Bank, XXXX XXXX XXXX, and have been told they are " working on it ''. I even left a message on one of the Vice President 's voice mails and have yet to hear anything on this DEBACLE!

In the meantime, MY ACCOUNT HAS BEEN SUSPENDED. INTEREST AND LATE FEES HAVE BEEN APPLIED ( US BANK STATEMENT ATTACHED ). And NOBODY seems to have ANY desire to rectify this horrific display of disregard, ineptness and incompetence!
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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 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 XXXXXX/XX/XXXX
Complaint sub-issue: Banking errors

On XX/XX/18 I had a negative balance of {$58.00}, I went on XX/XX/18 to clear the negative balance but the systems were down, I had to wait until XX/XX/18 to cash my check and pay the balance which brought my account positive approximately {$1.00}. I checked my account on XX/XX/18 and I had a negative balance of {$240.00} because the bank payed my XXXX payment {$230.00} when I had a balance of less than {$2.00}, then they also payed my XXXX XXXX of {$200.00}. All of these payments were set up to automatically pay when the funds are present. I have been a BBT customer for about 3 years now and whenever I had a bill come thru and the balance was not available it WAS NOT payed, now BBT had a major computer malfunction and somehow my bills were payed, now they are wanting me to be liable for these errors. I have signed a document stating that if the funds werent available I didnt want the vendor payed but somehow this does not translate over to payment arrangements setup thru my checking and routing number. I feel this is of a very predatory nature to pay my bills without monies being available and then hold my account ransom to pay back monies which were dispersed without a balance that would back them. I have spoken to representatives of the bank and they just want to pass it off and ultimately put this responsibility on me further affecting my finances in a negative manner.