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

I HAVE AN ACCT WITH AT & T UNIVERSAL CARD ( CITI ) I HAD 2 BALANCE TRANSFER OFFERS ABOUT TO EXPIRE I TELEPHONED UNIVERSAL CARD CUSTOMER SERVICE XXXX XXXX XXXX PRIOR TO THE EXPIRATION DATE OF THE ONE SOONEST TO EXPIRE ON XX/XX/XXXX {$6200.00} ( 0 % ) EXPIRE ON XX/XX/XXXX {$850.00} ( 1.99 % ) THE REPRESENTATIVE TOLD ME TO PAY {$6000.00} AND THE MINIMUM DUE OF {$210.00} PAID {$6000.00} ON XX/XX/XXXX AT THE AT & T WEB SITE. ( HAVE PRINTED RECEIPT ) PAID {$210.00} ON XX/XX/XXXX I THINK AFTER PAYING {$6000.00} {$210.00} FOR A TOTAL OF XXXX ON THE SAME DAY, AFTER PAYING THE LARGEST BALANCE, I USED A BALANCE TRANSFER CHECK TO REFINANCE THE XXXX. 

ON THE NEXT STATEMENT THE PAYMENT I MADE TO PAY OFF THE EXPIRING TRANSFER OFFER WAS APPLIED TO THE NEW BALANCE TRANSER CHECK I JUST WROTE. 

THEY CHARGED ME FOR A BALANCE TRANSFER AND ARE CHARGING ME INTEREST ON THE EXPIRED ONE. 

I HAVE CALLED SEVERAL TIMES AND SPOKE WITH VARIOUS REPRESENTATIVES TO EXPLAIN THE SITUATION THE FIRST TIME I CALLED. THEY REFUNDED THE INTEREST OF {$100.00} BECAUSE THE REP SAW THE MISTAKE. SHE ASSURED ME IT WOULD BE CORRECTED. THAT WAS IN.XXXX XXXX. 

I CALLED AGAIN AND SPOKE WITH SUPERVISORS. THEY ASSURED ME IT WOULD BE CORRECTED ALSO. I WAS TOLD TO WAIT ABOUT 5 BUSINESS DAYS FOR A REPLY. 

I RECEIVED TWO FORM LETTERS 2 WEEKS APART EXPLAINING HOW PAYMENTS ARE APPLIED. 

I CALLED AGAIN AND THE LAST TWO REPS I CALLED SAID IT WAS BEING WORKED ON. 

HOW LONG DOES IT TAKE? 

THE BOTTOM LINE IS THAT THEY APPLIED MY PAYMENT FOR AN EXPIRING BALANCE TRANSFER TO THE NEW BALANCE TRANSFER. NEGATING THE WHOLE REASON FOR THE PAYOFF TO BEGIN WITH. 

UNIVERSAL CARD SHOULD HAVE ALL MY PHONE CALLS RECORDED. STARTING WITH THE REP WHO TOLD ME HOW TO PAY OFF THE EXPIRING OFFER.
Complaint sub-issue: Debt is not yours

11 XXXX XXXX XXXX XXXX has been sending me collection notices in the mail about of {$670.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Information belongs to someone else

I began the process to refinance my personal residence, and ran a credit report to review my activity. I noticed that there was an unsecured loan that appeared on my credit report that I had not opened, as well as numerous credit inquiries from companies that I did not contact. I reached out to the company that was holding the loan ( XXXX XXXX XXXX ) to report the fraudulent activity, and they sent me information detailing instructions on disputing the loan. Upon looking at the loan documents, my signature had been forged on the Approval Disclosure ; also, there was only in ID number in place of the signature on the Promissory Note. Also, I reached out to a credit resolution agency, who reached out to the credit bureaus on my behalf to inform them of the fraudulent activity. I do not know who opened this account or how my personal information was compromised.
Complaint sub-issue: Funds not received from closed account

while living XXXX XXXX XXXX XXXX  I XXXX XXXX open a US bank Checking account in XXXX and I relocated to XXXX  in XXXX where there are no US Banks. On XXXX I called and requested that my checking account be closed and the representative stated that the remaining balance of XXXX will be mailed to my current address via a cashier check. On XXXX I received a postcard from US Bank stating that I have insufficient funds. I immediately called US Bank to inquire why I owe on a closed account and the representative relayed that a transaction was presented to the account on XXXX and was paid. I was given different reasons why the transaction was paid but could not get an answer to why a transaction was paid on a closed account, but was told that someone will give me a call within 48 hours. So I have no cashier 's check or no return phone call as of yet.
Complaint sub-issue: Information belongs to someone else

Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report.
Complaint sub-issue: Problem lowering your monthly payments

On XX/XX/2018 I called XXXX XXXX customer service to see if I could get my monthly payment lowered because I was having difficulty making the monthly payment of XXXX. I was told there was nothing they could do since I had already used the 12 month forbearance. I discussed that I wanted to make monthly payments on the loan but was having difficulty paying the XXXX payment and asked to get lower, more affordable payments. I was told that the only option for me was to stop making payments on the loan, allow the loan to become late, and then I would be contacted by someone from the collections department to see if they could help me with lowering my monthly payment. I said I did not want to miss a payment and become late on the loan because it would make it more difficult for me to catch up. I asked to speak to someone who could help me now before I was late on a payment. I spoke to a supervisor who was unable to help me and was told the only way the collections department would talk to me and try to help me was if I became late on payments. I reached out to XXXX XXXX for help in lowering my monthly payment and they refused to help me unless I become delinquent on payment!
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$75.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$110.00} XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I RECIEVED A COPY OF MY CREDIT REPORT AND NOTICED SOME HARD INQUIRIED THAT I DO NOT RECOGNIZE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the XXXX Bankruptcy XXXX. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

I am as a result of this demanding deletion of the above account from my Equifax file under 15 USC 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion. 

I have previously disputed this info with the CFPB, but there was no Equifax response. The CFPB states that the complaint has been resolved, but Equifax has not yet sent me any results or a confirmation.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Complaint sub-issue: Account information incorrect

XXXX XXXX* Balance Owed : {$0.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} -This account has been sold or transferred but has past due balance instead of XXXX balance, please remove. 

XXXX XXXX Balance Owed : {$1400.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX Balance Owed : {$22000.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXX XXXX Balance Owed : {$4200.00} - This account was sold but still reports a balance, please delete this account. 

XXXX XXXX Balance Owed : {$8200.00} - I am not the owner of the account. Remove this account. 

XXXX  XXXX Balance Owed : {$5700.00} - I have no knowledge of this account, please delete this account. 

XXXX XXXX  XXXX Balance Owed : {$11000.00} -This account does not belong to me, please delete this account. 

XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX XXXX  Balance Owed : {$3600.00} - Balance Reported incorrectly, you have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX Balance Owed : {$1000.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX  XXXX Balance Owed : {$150.00} - I have no knowledge of this account, please remove this account. 

XXXX XXXX  XXXX Balance Owed : XXXX - This account does not belong to me remove this account as soon as possible. 

XXXX  XXXX Balance Owed : {$4700.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$64.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX Balance Owed : {$2500.00} - Delete this unverified and inaccurate account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

When I contacted Discover Card regarding a refund from XXXX XXXX for bait and switch tactics they were at first very nice and cooperative and sympathized with me. Then they decided the opposite and went against me and then claimed they were no longer a credit card company but a " document company '' and thereby reversing my refund. XXXX has bribed Discover to never allow refunds, which is legalized theft. Bogus " credit '' with an airline simply is a lie as I have shown Discover and they continue to ignore the theft. Keep in mind I'm being punished for NOT allowing myself to be stolen from hence the cancellation of my trip when the price kept going up and up and up for no real reason so I just stopped the whole transaction and have to pay them for nothing and their claim of a credit is a lie.
Complaint sub-issue: Personal information incorrect

I RECEIVED A CALL FROM SOMEONE CLAIMING I TRIED TO PURCHASE AN XXXX AND SHIP IT TO XXXX MD, WHICH I DID NOT. THERE ARE SEVERAL MISSPELLINGS OF MY NAME REPORTED ON MY CREDIT REPORT THAT NEED TO GET REMOVED
Complaint sub-issue: Account status incorrect

Macy 's is reporting a late for XX/XX/20 and XX/XX/20 that I ask they remove. I recently took a look at my credit file and noticed these lates reporting.During this time my entire family also fell ill to XXXX as did I. I was very sick and could hardly keep up with anything. However, I was unaware of ever being late as Macy 's had the wrong address and sending statements to the wrong address. I was never notified during this time through call that I was past due. I would have paid my balance no problem, but like I said I fell ill and my health was my main concern. Without receiving any statements or calls about my account I really had no way of knowing what was going on. I ask that Macy 's please remove the late notations.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : 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 XXXXXXXX 15 U.S.C. 1681 section 602A, states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # 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. 


In accordance with the Fair Credit Reporting act XXXX Account  # 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.
Complaint sub-issue: Information belongs to someone else

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$160.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019 I got a notice from XXXX. my credit fell 194 in one day. I contacted XXXX XXXX. I learned they show me as a cosigner on three loans. The operator said the signatures look nothing alike. How can XXXX XXXX accept a signature for a large loan without checking the previous signature and requiring a notarized signature. I want my credit restored, the late debt has since been paid by the owner of the loans. I want to be removed as a cosigner. I have contacted XXXX, Equifax, and XXXX XXXX.
Complaint sub-issue: Public record

In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items removed.
Complaint sub-issue: Account status incorrect

In XXXX of XXXX I opened a dispute with Equifax regarding an account with XXXX 's first opened in XXXX of XXXX. The account showed a late payment of 60 days or more. In addition, a dispute was also opened with XXXX  regarding the same account. XXXX  resolved the error as of XX/XX/XXXX. I had contacted XXXX 's in XXXX of XXXX and they confirmed I have never had a late payment. XXXX 's provided me with a payment ledger proving this fact. In addition, I also have the original PAID OFF confirmation email from XXXX 's.
Complaint sub-issue: Application denied

Discover Card closed my account because they could not verify name name with a 4506T form just prior i was married and not reported new name with IRS
Complaint sub-issue: Need information about your loan balance or loan terms

The Great Lakes ppl I have called multiple times! I did n't even know I had s defaulted loan! I pay all the other loans! Auto pay! So where is this loan! I ca n't find it and I could n't get a home loan!
Complaint sub-issue: Trouble closing card

THE ACCOUNT WAS CLOSED AS OF XXXX 2017 WITH A XXXX BALANCE HOWEVER I RECEIVED A STATEMENT IN XX/XX/XXXX THAT I OWED XXXX. I CALLED THE COMPANY AND THEY TOLD ME THERE WAS SOME KIND OF FEE ADDED BUT THEY DID NOT ELABORATE, THEY TOLD ME TO WRITE A LETTER AND DISPUTE THE CHARGE.AND I HAD TO PAY IT OTHER WISE MY ACCOUNT WOULD HOLD BALANCE. I THEN PAID THE BALANCE OF XXXX UNDER DURESS. HOWEVER THE CREDIT CARD COMPANY KEEPS ADDING ADDITIONAL CHARGES EACH MONTH. I WROTE THE COMPANY 3 X AND MADE SEVERAL PHONE CALLS WITH NO RESPONSE OTHER THAN SEND A DISPUTE LETTER.
Complaint sub-issue: Was not notified of investigation status or results

I never received notices from the credit bureaus. I disputed an account and sent my letters out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received NOTHING as of today. It's nearly been 2 months and I do not know what is happening at the bureaus but they are not doing their job. I am including my original letters with this dispute.
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX   XXXX {$720.00}
Complaint sub-issue: Frequent or repeated calls

This number calls my phone repeatedly every day seven days a week. I looked it up online and it says it is a collection agency for Macy 's but that they may be a scam. i have a macy 's account but it is not delinquent and does n't normally even have a balance. The number that keeps calling is XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the hands of the wrong person
Complaint sub-issue: Information belongs to someone else

I have disputed accounts on my Equifax report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed UNAUTHOEIZED INQUIRIES on my credit report. Someone else applied with my name. 

According to the FCRA, these unverified and AUNAUTHORIZED inquiries most be remove. 

credit bureau name : EQUIFAX XXXX XXXX XXXX INQUIERIES : 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

On Monday, XX/XX/2022 I tried to get my daughter and mine XXXX XXXX XXXX XXXX, we did get successfully the XXXX free credit report and XXXX free credit report, and printed in both cases. But EQUIFAX failed it. 
EQUIFAX posted that w already get it ( my daughter 's case ), and then asked me to call them ( my case ). I called them to get my daughter 's EQUIFAX free credit report, and told their costumer representative that I hope will not be my case, because I will do my ANNUAL FREE CEDIT REPORT next. And what was my surprise, it happened again.

It is weird that a BIG COMPANY like EQUIFAX, that costumers and consumers TRUST around USA, has this kind of issues with their WEBSITE, and the other two companies did success perfectly fine. And in both cases against EQUIFAX I took pictures. 
Thank you this is my second try, because OOPS the first try I could not get the case number.