Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I'm filing this complaint against XXXX for improper use of my credit. This cra is reporting a consumer transaction account violation of 15 U.S. Code 1666d which states that 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: Right to dispute notice not received

Dear cfpb, after the real estate market crashed in XXXX XXXX California in XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brooke.. Our new jobs could not cover our credit card payments and eventually, we were default on all credit cards and mortgage payments. I had also used my XXXX card to pay my XXXX. So after I became default with my credit cards by XXXX and XXXX. XXXX sold one of my credit card debts to Nelson and Kennard Attorney at law / XXXX XXXX XXXX XXXX. And XXXX XXXX file a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that XXXX have had some agreements with CFPB and state attorneys general. But because XXXX sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. Previously, they have taken over XXXX and now on XX/XX/XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me
Complaint sub-issue: Information belongs to someone else

Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding XXXX XXXX XXXX I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. 

I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. 

I have called on XX/XX/XXXX to Equifax and XXXX. 
XX/XX/XXXX XXXX. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to XXXX. 

Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. 

I have received written response form XXXX  and Equifax. The letters in response just states the accounts have been verified but no evidence of that. XXXX has no sent any responding letters. Only updated info online stating accounts accurate. 

I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different account numbers. Please reach out of any other is needed.
Complaint sub-issue: Transaction was not authorized

On the XXXX of XX/XX/2018 I visited my banks atm to deposit my paycheck and withdraw cash as well. After depositing my check, I made another transaction to withdraw XXXX $ from my checking account. The ATM made the sound as if it were dispensing my cash and did not open the slot where it comes out. And error message popped up on the screen and did not give me a receipt. Using my banks mobile banking app, a transaction for XXXX $ was showing on my account and was in fact credited from my account even though the atm failed to dispense my money. Giving that it was a Saturday night and the bank was not opened till Monday I waited to dispute the error made the following business day. I went in on the XXXX of XXXX and made a complaint. The Bank then credited my account for the XXXX $ dollars. I was never informed that there would be a investigation following the incident and now I have received a letter from my bank saying they could not identify an error in the transaction and would be taking back the XXXX $ refunded to me. This is theft of my money and am unsure what to do now. My banks ATM has a camera and I want them to check the camera to see that they in fact did not give me my money. I am very frustrated that a bank that I have been with for years would not look better in to this situation for me. Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We received notification from Citibank regarding potentially fraudulent activity on our credit card account ending in XXXX  on XX/XX/XXXX. Upon review of our transactions, we found several fraudulent charges on our card ( case # XXXX  ). Citibank immediately replaced our cards with account ending inXXXX. All fraudulent charges have been resolved except one made to XXXX XXXX for {$880.00} on XX/XX/XXXX. It appears that there were two charges for {$880.00} and then a credit to one of those charges, so the second {$880.00} remains on our card to date. Citibank Fraud department sent us a letter stating that they completed their investigation on that charge and that we are still responsible for that charge. Refer to the attached documents.

We also contacted XXXX XXXX XX/XX/XXXX. XXXX XXXX will not provide us the name of the person who purchased the ticket, the source booking location of the charges, names on those tickets, where the flights were going to, departure or return dates. We can attest that we were in XXXX, AL XX/XX/XXXX and did not book those flights from wherever they were made. Further, we have not flown anywhere from any airlines in XXXX or yet in XXXX. 

We have since filed a report with the FTC reference # XXXX and letter from that filing sent to Citibank. Refer to attached letter. 

Over the course of this event, we have made several calls to Citibank to get this issue resolved and checking status ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). They appear to be trying to get this resolved but the issue remains open to date. We can only suspect that XXXX  is not supporting Citibank with the investigation.
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Complaint sub-issue: Problem lowering your monthly payments

My current student loans were taken over by XXXX  XXXX XXXX from another company which took me through a rehab program to get the loans in good standing. As is common practice for all loans that are received by XXXX  XXXX XXXX, the loans were placed according to them, on to a " standard '' payment plan. After not too long I decided that I wanted to move them over to a more affordable payment plan, so I went through the process of applying for income driven payments. 

At the time of requesting the move, I was told I had two options,  either go in to forbearance which would allow me to stop making payments whilst my application was processed or allow my loans to default for non payment. Well I didn't want my loans to go in to default again so I went along with the forbearance idea, but at the time they did not tell me that the interest ( approximately $ 9k ) would be moved from total interest across all loans to the principle amount. 

This means that I am now paying interest on interest which is totally unreasonable. I was neither told about this nor did I request it. 

Prior to this the figures were approximately : $ 37k principle $ 9k interest Since the shift in XXXX of this year, my principle then became $ XXXX and I am now paying an average interest rate 4.88 % per year. 

Just to keep my loan where it is now I have to pay 4.88 % of $ XXXX per year forever, until the loan is paid. This is totally unreasonable and I did not request this. My interest should still be $ XXXX and that should be the interest to be paid, not 4.88 % of $ XXXX. 

XXXX  XXXX XXXX needs to be investigated for this type of behavior. Lets be honest, nobody would be in the business if they weren't making money but to do it this way is very deceitful and underhand. I of course asked them whether this could be reversed but they told me once it's done it's done. I asked them if this happens to everyone that goes through this process and I was told YES. 

They need to be held accountable!
Complaint sub-issue: Threatened to sue you for very old debt

I received a call on XX/XX/XXXX from a representative that states she was from R & R solutions and that were contacting me to let me know I had until the end of the business day to get this settled or they were going to continue on with a civil lawsuit. Stated that they had sent me letters previously notifying me of this situation. Received another call today and left voicemail they said they were going to continue with litigation and threaten to put a lien on my vehicle. I called the number they left back and spoke with a XXXX he said this was a breach of contract for a XXXX  loan that I defaulted in XXXX with XXXX XXXX. I asked him if this was something that had been in collections and I owed why was it not on my credit report and that I dont remember a XXXX XXXX. He stated the loan was from XXXX for a XXXX  loan but I did not attend XXXX  that year. I asked for proof of who this company was and what the loan was exactly for. He said they had sent letters in the mail and I told him I never received anything. I asked him if this was legitimate to please mail me this information. He stated they would put it in the mail and it would take XXXX days. After that conversation they called my sister-in-law and left a message also stating that they were going to put a lien on my vehicle if I did not contact them.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an inquiry listed on my credit report as XXXX/XXXX dated XX/XX/18. I did not apply for credit with this company and I've disputed it several times with the credit bureau. They have sent out several letters stating that this has been deleted from my credit report ( attached ) but it still remains.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I'd like to complain about the fraud monitoring process for this credit card. 

I had a fraudulent charge on my PNC credit card. The company is investigating the matter further in their internal system. I asked the company why there was not an alert sent regarding this charge and asked to speak to someone on the matter. I was told the charge did not warrant a large enough risk score for their algorithm for alerting me. 

The fact is that this charge was to a vendor never before used by me, in another state far from my residence, for a rather large amount for a one time payment. The risk scoring methods seem misaligned as regular charges in my credit card report are called for alerts but this one-off spending habit does not. 

I have used this credit card company and have had fraudulent charges arise before. In none of these prior cases and this one has there been relevant alerts for the types of charges.
Complaint sub-issue: Investigation took more than 30 days

I am contacting you because Equifax, XXXX, and XXXX have violated my consumer rights for a fair and timely investigation into items being reported on my consumer credit report. I submitted a dispute letter to XXXX, XXXX, and Equifax regarding fraudulent information on my credit report. It has been almost150 days, I have not received any information about this investigation, and these fraudulent items remain on my report. It seems as if these companies deliberately have discarded my letters. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.
Complaint sub-issue: Account status incorrect

Keep Your Home California assisted us during a recent period of unemployment by paying our mortgage to Seterus. Keep Your Home requested paperwork that they later did not need that resulted in a delay in processing the mortgage payment to Seterus. We explained, in advance, the circumstance to Seterus in an effort to have them excuse the late payment. They adamantly refused to cooperate and were extremely unaccommodating of our request despite our never having been late on any prior payments, not even once.
Complaint sub-issue: Old information reappears or never goes away

Hello, I have spent this year focused on improving my credit score and fixing my finances. I paid off all my debts owed and have been focused on being a responsible consumer. This hard work is met with a lot of frustration as I feel I do my part but a company like equifax doesn't have to do theres. I paid off two derogatory remarks that were showing on my XXXX  report and one showing up on equifax. I paid this debt off probably 4 months ago that is still showing up on my equifax report. The transunion report is showing them removed and my credit score is increasing. But equifax doesnt seem to care to update this info and I have been attempting to increase my credit accounts to again increase my score. But I apply for new cards and the equifax report is still showing that debt and is preventing me from moving on. I have been furious over this as equifax doesn't seem to care when I reach out to them and doesn't even respond back. I email XXXX XXXX  as well and nothing. I asked XXXX XXXX  and they just send me a generic link about credit scores. I need help, I did my part and paid the debts now I need equifax to do there's and promptly remove the debt and actually update my score. I feel controlled by these big compoanies and feel like its not right for me to do my part but equifax not have to hold up there end by updating this information.
Complaint sub-issue: Information belongs to someone else

XXXX/XXXX/XXXX XXXX {$570.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Complaint sub-issue: Information belongs to someone else

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : XX/XX/XXXX Account XXXX Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.
Complaint sub-issue: Personal information

There is an erroneous address listed on my credit report. I have lived in XXXX, MI but have never lived in XXXX XXXX, MI. Also, a search on XXXX will show that this XXXX XXXX address does not exist! This address needs to be removed from my credit report. thank you.
Complaint sub-issue: Other problem getting your report or credit score

I was unable to pull my free annual credit report for Equifax. In addition to this, I tried to do a dispute through Equifax and it states they can not confirm my identity. I also use third party credit monitoring services and the Equifax portion has not been updated since  XXXX   XXXX     2017. I c ontacted my 3rd party monitoring services and they stated Equifax is not allowing them to pull anything. They told me to contact Equifax directly. I contacted Equifax directly and got nowhere. They were able to confirm my identity, however they could n't tell me what the issue is in regards to pulling reports and credit monitoring services I use. All they did is offer me to purchase a credit score pull directly from them ... .I do n't understand how I cant pull through my credit monitoring services that I pay for, but yet E quifax is a ble to if I pay them directly. To me it appears they are purposely doing this to force people into paying for their products directly to them.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus, however, my requests for both the credit bureaus and the furnisher from XXXX XXXX have ignored proof. The credit bureaus have all returned a status of " Verified '' when I have disputed the account. How is this account being verified with Equifax, XXXX, and XXXX, when the company doesn't even respond to my verification requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to Equifax, XXXX, and XXXX to ask for the proof the company is providing as verification of the account. My requests were denied. I was advised by Equifax, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Complaint sub-issue: Report improperly shared by CRC

A company pulled my Equifax credit report illegally. They worked with me and told me that the request has been sent to have the hard inquiry removed. It has been more than 30 days and has not been removed. Equifax thus far has refused to investigate any credit inquiries despite their legality and claims that no such removal request was sent from the company that pulled it.
Complaint sub-issue: Information belongs to someone else

2 weeks ago NO action # XXXX I never got a response from you people. NOW once again these opprobrious incompetent XXXX at XXXX are still blundering away with some flim-flam scam of fraudulent new claims or new collections on what exactly?! # These XXXX XXXX charge and collect a fee then allow anyone to harass cheat enrage me with malignant unproven collections!!! This garbage is NOT new!!!! I just got informed from XXXX   part of OPM 's breach and free monitoringof my credit reports!!! WHY are these clowns at XXXX  blundering away with phony fraudulent claims of collections?! # I never received any mail from derelicts at XXXX XXXX XXXX? Collecting what and for who? All bad debt has already been charged off by everyone, can only be there 3 more years. Obviously this must be those corrupt and petty thieves at XXXX still trying to cheat and aggravate me!! I told you countless times XXXX never refunded or credited me my ( 3 ) lines and {$680.00} in advance payments they stolen??? Plus these XXXX cramming/deceit infamous lawsuit. They thought they couldget away with scamming me with that worthless XXXX tablet that I sent back within 14 days, continued to scam me with overcharges duplicate billing for trying there unpopular countless complaints about google tablet. I had to write california attorney general countless times before I got some phony and specious credit. NOW these XXXX  clowns state settled in my credit report and yet still continue with these XXXX scandalous collections
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX, I reported my card lost between XXXX -XXXXXXXX PTS and was told I would receive a new card in 7 business days, About two weeks went by and contacted customer service and was told to wait 7 more business days and dont know why it was never shipped, a week later still no card I called and was told it would be shipped and received within two business days, called again today XX/XX/2018 and was told I wasnt notified about the card delay on a problem on their side and was shipped regular mail. This 3rd attempt didnt acknowledge my past contacts and just kept telling me to wait till next week after having to make an phone appointment with the manager and compicated {$10.00} credit.