Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX XXXX in XXXX Georgia Regional Acceptance Corporation XXXX XXXX GA XXXX : Acct # XXXX ( original creditor ) Re : Acct # XXXX ( collection agency ) Make of car : XXXX XXXX XXXX : XXXX XXXX # XXXX To Whom It May Concern : I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by Regional Acceptance Corporation in the State of Georgia on or about, XXXX/XXXX/XXXX, and reposed and brought to XXXX XXXX. When I called to speak to a representative at XXXX XXXX I was told that I had to provide information and the lender which is Regional Acceptance will provide me with that information. I then call back and was given the VIN number to use to find where the car was repossed. I then called back to the company provided information and was told their hours are until XXXX XXXX. Tuesday I called spoke to a rep and was told that the fee is based on the lender this was from XXXX XXXX. Called spoke to XXXX and was told to call her back to discuss the information about the car she is the supervisor over my account. When I called back to get the total amount due because I had to take a loan I was told that because the company was closed Saturday and Sunday they would not charge. However Monday XXXX/XXXX/XXXX the car is still at XXXX XXXX and now they require XXXX dollars and they close at XXXX XXXX and the car was not released until XXXX XXXX. 

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

On my report there is a closed account with huge amount of missed payments. MACYS DEPARTMENT STORES Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACYS DEPARTMENT STORES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Trouble with how payments are handled

It seems like my private student loan interest rate goes up every month or every other month. I have been repaying it on time and even additional principle payments to pay it off faster. I would like you to check why the interest rate keeps climbing for no reason at all. I get letters often that the interest rate went up for no reason. I 'm wondering if this is legal? I am also wondering how I can get them to stop increasing my interest rate so often. It started at 4 % and is up to 5 % in less than a year. Thank you.
Complaint sub-issue: Information belongs to someone else

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE
Complaint sub-issue: Attempted to collect wrong amount

I have accepted a settlement agreement with Conn 's XXXX XXXX I have made payments on time as agreed. According to settlement letter ( I am attaching ). I have had several problems with XXXX including trying to collect the wrong amount from my account. -- This happened multiple times. 
I asked instead of making a draft on my account could we delete the future payments and I would call to make the payment each time. I was NOT told this would void the settlement offer in any way. The WRITTEN offer says NOTHING about requiring the payments to be automatically debited. 
Today I called to make an EARLY payment of {$53.00} to my account. The customer service rep. TOOK my payment it was TAKEN OUT of my account right away. 
I was then informed that the settlement agreement was no longer in place per a SUPERVISOR who noted my account ( noted that because I deleted the automatic draft the agreemtn was no longer in place ). 

I asked to speak to a supervisor who finally found the WRITTEN agreement that was sent to me ( although it took an act of Congress for them to send it to me ). 

This supervisor said she would have a settlement letter sent to me but I don't trust anything this company has to say. I want to make sure this is resolved per our WRITTEN agreement. I have done EVERYTHING as AGREED. 

Finally, I don't appreciate the curt and crass tone of the supervisor today. She wanted to treat me like a child and FINALLY agreed to look at the documentation but not before telling me how many things she " can't '' do and asking me if I have documentation YES, I have documentation and I have made all payments on or before the agreed time. 

This is more than poor customer service it leaves a frustrated customer with no recourse. I have complained to the Texas Attorney General. To remove the agreement after a customer has followed the agreement to the letter is not just poor customer service it is against the Texas Deceptive Trade Practices act and amounts to fraud on a customer.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2018 my identity was stolen to fraudulently open an account with XXXX. I filed a police report and followed the procedures with XXXX to verify that it was not my account. XXXX sent me a letter stating the account is not mine. I sent the proper paperwork to all three credit bureaus. 

XXXX and XXXX immediately corrected the issue and removed the fraudulent account information from my credit record on their respective systems. 

I have tried three times to have Equifax correct the issue and they are refusing to do so. I have a letter from XXXX sating it is not my account and a police report. This has been going on for 18 months. 

I have also called Equifax and they ignore me. This has prevented me from getting new credit and cost me hundreds if not thousands in additional interest because of the higher interest rates I must pay with this incorrect, fraudulent negative credit account hurting my credit rating.
Complaint sub-issue: Trouble with how payments are being handled

Student Loan servicer Nelnet is billing 3 payments ahead instead of using standard billing practices and then calling to collect on on amounts that are yet to be due and this is placing an unfair financial burden on borrowers
Complaint sub-issue: Was not notified of investigation status or results

I contacted the Equifax, XXXX, XXXX, and XXXX multiple times to correct the errors on my account. All 4 CRAs have violated my consumer rights by reporting inaccurate information and have failed to properly investigate my inaccuracies. Please see the list below : I have filed an FTC report # XXXX. These accounts are not mine and I have never been seen at any of these medical facilities. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX AS ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX AS ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX My car has not been repossessed and having trouble getting a report as proof. 
XXXX XXXX XXXX Repossessions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Deposits and withdrawals

Hi there! I opened a Citi XXXX checking and a saving account with Citibank on XX/XX/XXXX to take advantage of an offer where if you deposited {$50000.00} you received a {$700.00} bonus. The process to open the account and fund the account was extremely difficult and the customer services was less than ideal. I also had to go through an extra process to validate my home address which was complicated by the fact I was moving. 

The process to validate my account took Citibank such a long time that by the time I funded my account with {$60000.00} on XX/XX/XXXX, I was deemed ineligible for the {$700.00} bonus. 

Because of the unhelpful customer service and ineligibility for the cash bonus, I wanted to withdraw my {$60000.00} from Citibank and close my accounts. I was told that I could only withdraw {$15000.00} per month to an external account. Given that would take 4 months to withdraw all my funds, I was told the only way to get my money back was via wire transfer. On XX/XX/XXXX, I made a request for a {$50000.00} wire transfer to my main checking account with another institution ( the maximum allowed ) and then a regular external transfer of {$10000.00} for the remaining balance. 

Two hours later, I got a call from Citibank stating that my actions were fraudulent. The representative accused me of not being the account holder, and hung up on me. My account is now locked and now I do not have access to the {$60000.00} in my Citi XXXX checking and savings accounts. I tried calling Citibank back on XX/XX/XXXX and after over an hour on hold on the phone, they were unable to assist me in transferring my money back to me.
Complaint sub-issue: Information belongs to someone else

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Complaint sub-issue: Problem with fees

I opened my HomeDepot card last year in XXXX while doing some updates to my home. The next month I went online to pay the total balance. Iogged in and I paid the total balance off and believed I was good to go. WRONG last month XX/XX/2019 I received an email alerting me of a delinquency and drop in my credit score. Come to find that HomeDepot Credit Card was stating I owed over {$130.00} I got on the phone and called to find out what was going on. Apparently they charged me a late fee of {$27.00} and another late fee and another late fee total amount due was {$130.00}. I spoke to an agent and they had no concern for the issue they said no sorry you didn't pay on time and you did not make a payment in XXXX, XXXX or XXXX. I must have talked to 6 different people and One agent waived one fee. They offered no solution no explanation as to why it was not on the statement the day I paid it in full. Crickets is all i heard NO one had the answer. I pay my bills on time, early when possible I had a great credit score and now my credit score has dropped over 100 points. That is so wrong. I paid the balance off. If there was a late fee I should have been able to pay it. If the system didn't show me how am i suppose to know that there is an outstanding fee. Per the CARD act credit card companies can not charge you more than 3 % of the minimum amount due. I had a XXXX balance. Again how is it possible that I now owe {$130.00}. I hold both Citi Bank and Home Depot responsible. This is not honest way of doing business.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I 've had several inquiries that I did not do! I 've had my financing thru my credit union prior to me shopping.     I 've disputed several times
Complaint sub-issue: Other problem getting your report or credit score

I am currently in the process of obtaining a loan in order to buy a house. Per my mortgage company, they are unable to access my third credit score and suggested I contact Equifax to fix the problem. On XX/XX/2021 I spoke to an Equifax representative and was asked to provide both my social security card and driver 's license so my identify could be validated. On XX/XX/2021 I faxed these documents to Equifax. On XX/XX/2021 I spoke to my mortgage company and was told that my third credit score was still inaccessible. That same night I called Equifax and told them about my problem and was met with the same response : provide your social security card and driver 's license. I explained to the representative that I have already done this once so he suggested that I do it again and include my e-mail address in the cover letter so they could notify me once the documents were received and the problem was corrected. On XX/XX/2021 I faxed the documents to Equifax for a second time. On XX/XX/2021 both myself and my mortgage loan officer called Equifax together to see if the problem was rectified, but we were told the same thing ( provide the documents ). That night we spent 3 hours on the phone but kept getting told the same thing even though we explained that I already provided the documents twice ; we even got hung up on a couple of times. On XX/XX/2021 both myself and my mortgage loan officer called Equifax once again and we were still told to provide the necessary documents. We requested to speak to a supervisor and once we were connected, I was told that my mortgage loan officer was not permitted to stay on the line despite me wanting her on the call. I explained to the Equifax supervisor all of the trouble I have been encountering and he suggested that I fax over the documents again but to a new fax number. I asked him how I would know the problem was taken care of as I keep getting told that if I fax the documents, my problem would be resolved. He told me that the fax number he provided is to the highest department and that my request would be expedited. I was also told that my request would be processed and completed within 24 to 48 hours. That same day ( XX/XX/2021 ) I faxed both my social security card and driver 's license for a third time to Equifax, but to the new number the supervisor suggested. My mortgage loan officer also urged me to mail a hard copy of these documents just in case and this will be completed on XX/XX/2021 via certified mail.
Complaint sub-issue: Account status incorrect

I am disputing violations by Equifax misreporting information. I never been notified by mail account closed and its inaccurate. Also XXXX XXXX XXXX account I do not have a contract with. I was never given anything proven debts validated which is required by law. I am enforcing my rights 15 USC 1681.
Complaint sub-issue: Information belongs to someone else

I am upset to know that false accounts are being reported on my credit history and is affecting my score. I do not know anything of these accounts and would like it removed.
Complaint sub-issue: Public record information inaccurate

I have tried repeatedly all of XX/XX/XXXX to correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on XXXX, XXXX, and Equifax as I have viewed my credit reports today. There are also other items that I have tried to dispute on XXXX  and XXXX  websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. XXXX  stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. Equifax dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XX/XX/XXXX thru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.
Complaint sub-issue: Public record information inaccurate

The public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, and XXXX ), they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records 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
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Complaint sub-issue: Unable to open an account

Hello, I do not find the letter from Bank OZK dated XX/XX/2022, an adequate response to my FDIC compliant dated XX/XX/2022. 

As mentioned in my previous letter, I tried to open a personal checking account on XX/XX/2022, at approximately XXXX XXXX To provide my context and clarity, I was the only person inside the branch and there were not any cars in the drive-thru. Also, there were 3 Bank OZK employees in the branch. Last, does OZK system shut down at XXXX? If not, why did the Bank OZK employee tell me that? 

If the check was verfied in accordance with Bank procedures that help protect the customer and the Bank from potential fraud, why was a hold placed on the check after it was verified while I sit in the office? 

I am unable to locate anywhere in the Federal Regulation CC ( Expedited Funds Availability Act ) that calls for a 9 day hold on the amount I deposited. 

https : XXXXXXXX-12/chapter-II/subchapter-A/part-229 Per FDIC Availability of Deposits Subject to Exceptions ( 229.13 ( h ) ) For deposits subject to exceptions to the availability schedules, other than deposits into new accounts, the depositary bank is permitted to delay availability for a reasonable time beyond the schedule. Generally, a reasonable period is considered to be no more than XXXX business day for on-us checks and XXXX business days for local checks. 

https : XXXX2/chapter-II/subchapter-A/part-229/subpart-B/section-229.13 It appears that holds may be placed on checks that are deposited into your bank where the branch is located in a major minority XXXXI census tract and holds are not placed on checks deposited in branches located in a Upper income major white census tracts. It does not appear that Bank OZK event conducted any type of comparison data. 

https : //www.fdic.gov/resources/bankers/consumer-compliance/unfair-deceptive-abusive-acts-practices/ https : //www.consumerfinance.gov/compliance/supervision-examinations/unfair-deceptive-or-abusive-acts-or-practices-udaaps-examination-procedures/ Last, Bank OZK should provide their procedures for holds on account and explain why a XXXX man deposited a check appeared to be fraud.
Complaint sub-issue: Deposits and withdrawals

On Wednesday XX/XX/XXXX at around XXXX PM I went to a US Bank ATM on XXXXXXXX XXXX XXXX XXXXXXXX Ca XXXX and attempted to withdraw {$700.00} cash. After releasing my card back to me the ATM said it timed out and no money was given out. I tried two more times and these two times the withdraw button was completely unavailable. Immediately I checked my US bank app and my account reflected the XXXX despite not giving me the cash. I called customer service and the agent told me there was nothing he can do except start a claim that would take 10 business days to decide for just the provisional credit. After insisting I get my money back immediately because I specifically pulled it out for a trip I leave to on sunday he told me if I went to the local branch and spoke to the branch manager they would be able to reverse it. It was closed at the time of the incident so I went first thing opening on XX/XX/XXXX XXXX where the manager and teller told me there was nothing they can do but start a claim. No expedition, no immediate temporary or provisional credit. 10 days thats it. Its absolutely ridiculous that I am now out of {$700.00} for a trip I have in three days and theres literally no other option I am being offered except for a claim.
Complaint sub-issue: Card opened as result of identity theft or fraud

I am writing to delete the following information in my credit profile the item I need deleted are listed in the report I'm a victim in identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission I also have enclosed copies of Federal Trade identity theft affidavit. I will appreciate if you delete it as soon as possible as it is hindering me from trying to advance the events in my lifestyle to provide a better life for my family.
Complaint sub-issue: Didn't receive advertised or promotional terms

I was sent a solicitation to receive XXXX XXXX XXXX XXXX for signing up for the XXXX XXXX Citi card. I went online and applied for the card, there was a lock on my credit so I had to call back to get it unlocked. When I spoke with the person they approved the card and congratulated me on receiving XXXX bonus miles once I spent {$3000.00}. After several months of using the card and spending well over {$3000.00}, I was told that I did not qualify for the miles because I had closed a similar card less than 24 months before. I find this false advertising and bad business! When my credit was pulled they clearly could have seen that I closed the card within 24 months and either denied the card or let me know that I would not receive the miles!