Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You never received your bill or did not know a payment was due

I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX reported negative marks Maximum Delinquency of 30 days in XX/XX/2018 on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

In short, I never received such a warning notice!

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

I attached a copy of the law and the actual document from the federal reserve
Complaint sub-issue: Didn't receive services that were advertised

I can not confirm registration for the " trusted id XXXX '' Equifax product which monitors thefts and givers one-million dollar insurance for free for XXXX year. XXXX They will not confirm me on the phone at the number given on the registration website XXXX and refer me to a different number. There is no answer at the second number XXXX. XXXX The link that they sent to me to confirm my registration via e-mail will not allow me to connect to complete the confirmation procedure saying their " cloud coverage does not allow service in my area ''. I am in XXXX but a U.S. citizen with U.S. bank credit cards. **** Simply put, they will not allow me to complete confirming my registration which is necessary but is an extra step in the process that is totally not needed once I have registered and should be eliminated. **** Once I register for protection there should be no additional registration steps needed.
Complaint sub-issue: Don't want a card provided by your employer or the government

On XX/XX/XXXX received letter from Dept of Labor and Employment saying claim for unemployment benefits has been received. My husband is XXXX years old and did not file a claim.XXXX XXXX received a Visa debit card from US Bank. We are fearful that someone is stealing my husbands identity. Please advise us on what to do to stop this.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$9000.00}
Complaint sub-issue: Account status incorrect

I paid my car off on XXXX XXXX 2017 with XXXX XXXX XXXX.
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}.
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days.
Somebody please help me im at my wit 's end.
Someone please do something!!!!
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX. I have attached my complaint and not put it here because I have figures to support my complaint that can not be attached in this area. Please see attached. Thank you.
Complaint sub-issue: Funds not handled or disbursed as instructed

Ally bank seems to have insufficient resource to handle calls and messages for customers. Long wait times for call ins to the call center. Lack of response to messages or very late meaningless replys to messages regarding out of bank transfers. 

Please find out what the problem is... 
Thanks XXXX XXXX
Complaint sub-issue: Confusing or missing disclosures

I opened a US Bank business checking account with the following promotional terms : " Earn {$500.00} when you open a new business checking account and complete qualifying activities. Open a new U.S. Bank Silver, Gold or Platinum Business Checking Account with the promo code XXXX. Deposit {$5000.00} in new money within 30 days of account opening and maintain for 60 days. Enroll in the U.S. Bank Mobile App or U.S. Bank Online Banking within 90 days of account opening. Complete XXXX qualifying transactions within 90 days of offer enrollment ( Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay ). '' I met all these requirements by depositing a total of {$5000.00} ( including an initial {$100.00} opening deposit ) within the 30 day period as well as completing the transactions. 

However, US Bank is not honoring the bonus, because it is claiming that my initial opening deposit of {$100.00} does not count towards the {$5000.00} in " new money. '' Nowhere in the bonus terms does it say anything about an initial deposit not being " new money '' and thus not qualifying. This is thus very confusing and unfair wording and I'm sure caused not only me but many others to miss out on this bonus. 

I am requesting US Bank honor the bonus as this requirement was not at all clear in the bonus wording.
Complaint sub-issue: Received bad information about your loan

I made a number of extra payments to pay off one of my loans in full inXX/XX/2020. These payments were supposed to be allocated specifically to my loan with the smallest balance. Nelnet told me that they were being allocated to the loan that I wanted to pay off. On XX/XX/XXXX, my account showed a XXXX  balance for principle, accrued interest, and capitalized interest as well as showing " Paid in Full by Borrower ''. In XXXX, I noticed that the loan had come back and had a balance showing on the principal. I called back and they said that the payments just needed to be reallocated and it would be taken care of. They sent me a letter showing that the loan was paid in full. I assumed this meant that I didn't need to continue monitoring for that loan. Around XX/XX/XXXX, I noticed that there was a {$42.00} balance showing for the loan that I had already essential closed out twice. I called Nelnet and they said that I owed the {$42.00} and that the letters had been sent in error. I called back twice more and was told that I needed to call back on XX/XX/XXXX and speak to the Account Solutions Team because they were the only department that could really close out the loan that I have paid in full. I called back and requested to speak with the account solutions team. I was instead transferred to a general studentaid.gov phone number and couldn't actually speak to a person. I called back and spoke with a representative who told me I couldn't speak with the Account Solutions Team because they really only deal with refunds. She told me that she would have to file a payment reallocation form and that it would actually work this time. I told her that I had already done this twice and it hasn't worked yet. I just want the loan that I paid off to actually indicate that I have paid it off.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft. Fraudulent inquiries were made on my credit report.
Complaint sub-issue: Reporting company used your report improperly

When reviewing my consumer reports from XXXX, XXXX, and XXXX. I noticed that there was a bankruptcy that was disclosed in my consumer file. When speaking to these companies it was stated that LexisNexis was responsible for disclosing this information to the consumer reporting agencies. It has come to my attention that LexisNexis has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ). LexisNexis illegally obtained personal and private information from the XXXX database and sold it to other reporting agencies, including XXXX, XXXX and XXXX. 15 USC 1681b ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report if written instructions were given by the consumer. This is a violation of my rights as I never gave LexisNexis permission to obtain, release, or report any information to any third parties. I sent a letter to LexisNexis on XX/XX/22 addressing these issues and the remedy that I wanted.
Complaint sub-issue: Attempted to collect wrong amount

First Progress BankXXXX XXXX XXXX Bank was my first secured credit card account. When I closed the account they told me I could spend my deposit and theyd send me the remainder in the mail, which is exactly what transpired. I spent about {$170.00} of my {$200.00} and they sent me a check for the remaining {$19.00} ( after all their processing fees ). Then proceeded to charge my card with annual fees and processing fees after I had already closed the account and received my check. Now they claim that I owe them {$170.00} in late fees and processing and I do NOT. I closed the account days before any of those fees were ever applied, I would like it removed from my credit report.
Complaint sub-issue: Account status incorrect

Dear XXXX  XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

MY NAME IS XXXX XXXX AND I'VE BEEN TRYING TO GET INCORRECT LATE PAYMENTS REMOVED OFF OF MY CREDIT REPORT THAT ARE AFFECTING MY CREDIT PROFILE AND STOPPING ME FROM BEING ABLE TO PURCHASE A NEW HOME FOR MY FAMILY. I'VE REACHED OUT TO THE CREDIT BUREAUS BUT HAVE NOT BEEN ABLE TO GET THIS SITUATION HANDLED.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax failed to conduct a proper investigation and are willfully reporting inaccurate information on my credit report. I have made several attempts to get it fixed and they have repeatedly violated the FCRA. My most recent letter to them was on XX/XX/XXXX and they have not investigated because they never provided me with any results or response. I have also tried to fix this with the creditor, but they only referred me back to Equifax.
Complaint sub-issue: Debt was paid

I purchased a car through Ally financial which was my lender. My car XXXX   XXXX vin # XXXX became a total loss and my insurance company XXXX paid XXXXand my gap insurance paid XXXX. This issue has been on my credit fir two years and now its listed as a charge off. The company that is now responsible for the debt .XXXX XXXX account # XXXX
Complaint sub-issue: Not given enough info to verify debt

EOS CCA has listed a debt of ~ {$490.00} for " ATT MOBILITY '' on my credit report and refuses to validate my debt and will not remove the record. 

Specifically they say my last payment was on XX/XX/XXXX and is schedule to continue on record until XX/XX/XXXX. It is currently registered with XXXX and XXXX.
Complaint sub-issue: Account status incorrect

An account with XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX is still showing on my credit report as delinquent although it was paid in full in XXXX of 2019. I submitted a dispute via equifax and it still has not been updated over a month later. I paid {$350.00} on XX/XX/2019. This information is affecting my ability to purchase a home and open a line of credit. The collections account # is XXXX the customer # is XXXX. The representative that took payment was XXXX XXXX and I called verified this information with XXXX at extension XXXX. This exact amount was deducted from my bank account. Lastly all of the previously delinquent accounts on my report have been paid in full. Both XXXX  and XXXX   have updated and removed my old delinquencies ( except the balance of XXXX ) and notated it as paid in full and or deleted.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

On XX/XX/20 my Reliacard for unemployment was deactivated without any notice or just cause by the company.I have been asked to verify my identity, multiple times and have done so 5 times and still can not access my funds.Me and my fiance, XXXX XXXX have the same issue with US Bank Reliacard.We have been stuck out of state for over a month, have missed legal proceedings and i have lost my 3 rarest stamps in my collection which are valued in excess of {$470000.00} as a direct result of this situation.To top it off, i have {$6700.00} on my Reliacard as i type this message and im living day to day and basically homeless in another state because i cant get my funds.They are ruining the lives of good people, and i just want my money its does not belong to them.Attached is the verification they asked to be provided from me and my fiance XXXX XXXX XXXX.
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 Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 section 602 A states, I have the right to privacy.

15 U.S.C. 1681 section 605 A section 2 states, consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Other problem

Back a few months ago I saw a charge on my account that I did not recognize. I contacted the company because I thought the charge was fraud. A few hours later I found out what the charge was from, and called back to let them know all was well, and it was not fraud after all. They still conducted a fraud investigation. My account was locked. I could not access my online account. If I called their customer service number, their system could not locate my account with my account number or my social security number. My account was non existent in their system, so I couldn't even make a payment. That didn't stop them from harassing me and putting a late payment fee on the account that didn't exist. 

I did eventually make a payment by phone, for an amount that I could not afford. But the mishandling of that incident, and finding out that the interest they are charging me is illegal in my home state of Pennsylvania caused me to want no more to do with them. 

Of course the harassment continues. I also find it interesting that their number shows up on my caller ID as spam risk. They were calling daily, which I also believe is illegal. On XX/XX/XXXX of this year I spoke to a representative and formally requested that they no longer contact me. 

Today, at XXXX XXXX, they called again. That is more harassment.
Complaint sub-issue: Information belongs to someone else

I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my credit score down XXXX points!! Please delete the incorrect information off my credit reports and restore my credit score back to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and hoping that this XXXX XXXXXXXX Late payment will be removed and corrected. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$650.00}
Complaint sub-issue: Reporting company used your report improperly

Consumer paid the account in full and was given a deletion to pay letter from XXXX XXXX XXXX XXXX XXXX. This was paid on XX/XX/2021 and to date it still on consumer report. I'm demanding this account to be taken off IMMEDIATLEY! 

Attached below is the letter the consumer received from XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

RE : CITI card XXXX XXXX XXXX XXXX In an industry of horrible " customer service '' CITI gets the gold for worst of all. I submit that CITI does NOTHING to " resolve '' disputes. To wit : I have disputed the purchase of airline tickets. My documentation proved that, at least, part of my complaint was air tight. CITI declined the whole dispute. However, with the help of the Arizona AG the offending company reversed the entire charge. CITI refuses to do so. CITI never informed me of their inane decision. I saw the initial reversal on my bill. They say they asked for documentation with a form they sent. I never received that form. This company is a XXXX to consumers and should not be allowed to harass and steal from us.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Complaint sub-issue: Reporting company used your report improperly

I was one of the roughly 143 million people whose personal data was illegally obtained in the Equifax hack that was reported on or around XXXX 2017.
Complaint sub-issue: Debt was paid

I am a consumer and Discover Bank has violated my federally protected consumer rights under 15 USC 1692, 15 USC 1681, 15 USC 6801. They have ignored my cease and desist, my affidavit of truth was never rebutted. Discover continues to abuse, use profane language, abusive phone calls and emails. Discover also is destroying my reputation as a consumer financially.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am attaching the documentation I have regarding the duplicate charges from XXXX XXXX for a utility sink ordered XX/XX/2022. XXXX XXXX charged the USBank card 11 times. 2 charges on XX/XX/XXXX, one charge on the XXXX, two charges on the XXXX, one charge on the XXXX, two charges on the XXXX, two charges on the XXXX and 1 charge on the XXXX for the exact same amount of {$220.00}. These charges were in a Pending status on the USBank online activity site. 

I called XXXX XXXX and they said that their system will continue to charge, then credit my USBank card every day until the sink came in so I canceled the backordered utility sink and I ordered another utility sink. To date, I have not been credited for 4 of the charges of {$220.00} for a total of {$900.00}. 

I have battled between you and XXXX XXXX for 5 MONTHS! I finally got XXXX XXXX to send me proof of their claims that I was credited back on the charges that they did which were only 2. I am sending you their documentation along with mine to resolve this situation.

It appears to me that you owe my account 4 credits of {$220.00}. This needs to be resolved. I really dont want to bring attorneys into this but quite frankly, 4 months of this battle has taken its toll. 

Please resolve this matter immediately so we can continue to have a proper, secure working relationship.