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

I opened a credit card with citi bank via best buy on XX/XX/XXXX and ever since i opened the card i have not been able to log in to check my transaction or view anything on the account. i have called to complain about this but they always have an excuse or say their system is down. I also tried downloading the app to sign up but it does not recognize my credit card number or SSN number. I again went to their website to try and log in same issue my information was not recognized, then i went to read their reviews and saw that most of their customers experience same problem. They are fraudulent and will keep you in the dark so you can't monitor your money or their charges on the account. 


I do not have a easy way to make monthlypayments, also I don't know when my monthly payment is due cos I can't access the account or know how much is due. So I had to go look for money during this Pandemic to pay off the card balance cos it seems am being ripped off. I made a payment of {$1500.00} on XX/XX/XXXX and called them on XX/XX/XXXX and spoke with a representative who stated i do not have to make any payment as at the time that there is a refund of {$39.00} reversal processing on my account and will put the balance in excess of {$14.00} and some cents which will be sent out as a check payable to me. 
Then i called them after 2 weeks to check my account status only for them to tell me 2 other late payments have kicked in, in the amount of {$24.00} each making it {$48.00} outstanding on my account. This outstanding is their fraudulent late fee charges. 


I need this removed and my account refunded back to XXXX balance as I have paid it of before they the {$48.00} fraudulent late fees within 2 weeks to my account. 


I have a very clean credit history, I have never had a late payment on my credit report so I told them not to post anything negative or late to my account. I need urgent intervention to protect my credit history against this fraudulent activity Dates I recently called them : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

On XX/XX/2020, I tried to open a new account at a credit union and was told my date of birth did not match the date on my Equifax records. When I reviewed my Equifax record I saw that my middle initial and my date of birth were in error. On XX/XX/2020, I filed a dispute with Equifax online, submitting a copy of my drivers license to support my correct middle name and date of birth. On XX/XX/2020 I called Equifax to check on the status of my dispute and was told that now in addition to my drivers license they need a copy of a paystub or my social security card as proof. This is their mistake - they should be required to correct it. I have provided evidence of the error and I'm confidant their records contain plenty of incidents of my true name and date of birth - I have a number of credit accounts that I know are in my correct name and my drivers license shows the correct date of birth.
Complaint sub-issue: Used obscene, profane, or other abusive language

On XX/XX/XXXX, I received three calls about a personal financial matter. The person informed me that I had an outstanding debt with XXXX in the amount of {$140.00}. The address that was provided for the services, I did not recognize. I told all three people that I have lived at my current location since XXXX. The representative ( XXXX ) told me that Apelles acquired the number but then asked me if I had contact with any relatives? She also stated that if I could just answer simple questions she could help me out. I explained to her that I have never had an XXXX account and I wanted to make sure no one had stolen my identity. She informed me that Apelles does not report to the credit bureau so I should be fine.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, XXXX, CLARITY, XXXX ETC. ARE FALSELY REPORTING NEGATIVE INFO FROM EACH OTHER.
Complaint sub-issue: Their investigation did not fix an error on your report

Last XX/XX/2018 I mailed a letter to this credit bureau requesting investigation on several accounts including accounts from XXXX XXXX and XXXX. However nothing seems to have been done. For my XXXX XXXX   account XXXX, there has been fraudulent charges applied on the account. I sent XXXX XXXX copies of my FTC and Police report and send this credit bureau a letter an a copy of the FTC and Police report and they failed to delete the account and violated FCRA 605B. The XXXX account is also reporting incorrect balance and and status investigation still shows in progress per credit report I downloaded XX/XX/2018.
Complaint sub-issue: Problem with personal statement of dispute

On XXXX-22, I requested information about a vehicle on carmax. On XXXX-22 a lady name XXXX contacted me on XXXX22 at XXXX AM. This carmax is located in XXXX TX on XXXX XXXX XXXX XXXX. XXXX reported the vehicle that I was interested in is a work truck ( XXXX XXXX pick up truck ) XXXX reported Carmax have several pick up trucks but was not located in XXXX. She went on to reported they have another XXXX  ( XXXX ) truck that was in route, but unsure when the truck will arrive. She went on to state they have other trucks at different locations but will be charged a transportation fee from XXXX dollars just to get the truck to the XXXX office XXXX We also talked about me and my husband driving to the location to avoid the fee. I told XXXX we are not impressed with the XXXX XXXX pick up truck and wanted to think about what we wanted to do. She went on to say congratulation on being pre approved with XXXX XXXX XXXX. I said how can you get pre approved if you have no ran my credit. She went on to say you are not approved just yet because we have not ran your credit. I went on to say we need to think about what we want to do. XXXX responded and said we can not run your credit with out a car. She said you will need to select a car for that deal. Without a car credit is not ran. I told XXXX I will get back with her once we make a decision on what we wanted to do. I received a text from XXXX on XXXX-22 that stated " Hi XXXX, this is XXXX from CarMax. We received the decisions for your recent pre approval application. I'll be calling you in a few minutes to go over those results. '' She sent me XXXX pictures of the rXXXX XXXX work truck that I told her I did not want. I sent her a message saying ok, I thought we were waiting to make a decision before my credit was ran, you guys ran my credit? I immediately called the number where XXXX called and texted me from XXXX. Initially, call did not go through. I called back again and a receptionist answer the call and stated she did not know who XXXX was. She put me on hold for 1 hour and did not return back to the call. Called back again and asked to speak to a sales manager and was put on hold again and call was disconnected. Call back again on XXXX-22 at 2 PM and a rude man answered the called and asked why I needed to speak with a sales manager and I said about a situation that I have with a young lady name XXXX. 
This person would not transfer me to a sales manager. This person put me on hold and the call was disconnected. 
I believe I was scammed by Carmax. I believe XXXX is a code name. This person name XXXX ran my credit without my consent. She told me she was not going to run my credit until I found the truck that I wanted. She said she could not put a deal together without a vehicle. CarMax is scheming on incident people and running their credit without consent. How I found out my credit was ran because I received several alerts my from different banks my credit file was ran. I have attempted numerous times trying to get this matter resolved with Carmax but was not successful. Also, I never received a call from XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My Discover credit card has posted transfer balance from my previously disputed cared stolen transactions amounting XXXX a credit card service representative explained the posting has been forwarded from previously account and mentioned I will get the credit back. 
After 2 weeks my account has not been credited. Today after calling the bank another representative informed me that I am responsible for the fraud transactions because the lost stolen card fraud transactions were made in the similar store and the same amount that it is unlikely those transactions are fraud. 
I have repetdly informed the representative that I disagree with their decision and this is violating my right.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Please see attached scanned letters to Sears Citi Mastercard complaining about my stolen credit card and and the Company 's replies : they basically deny my cards or card information was stolen and used to make over {$6000.00} USD of charges in XX/XX/2020 made in XXXX XXXX at stores I've never visited ( during the COVID-19 pandemic while XXXX XXXX service to return to the USA was non-existent ). I demanded the cessation of monthly debit payments to my XXXX XXXX XXXXXXXX XXXX account [ a bank officer tried to block their monthly debits to no effect! ] and the refund of money I'd paid them, but they ( Citibank ) persist in billing me and ruining my credit score and history!
Complaint sub-issue: Information is not mine

I received a negative collection on my Experian credit report for the company EOS CCA. It shows the original creditor to be XXXX. I do not have nor have I ever had any delinquent accounts with XXXX. I contacted XXXX and about this issue and they stated that they had no record of a collection or any type of delinquent account in my by my SSN/Name. I disputed the collection with Experian and it came back as being founded. This is NOT my account and this EOS CCA company is fraudulently putting times on my credit report.
Complaint sub-issue: Can't temporarily delay making payments

I am writing this letter as a complaint against both XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and The XXXX XXXX XXXX XXXX for violation of the SCRA laws. 
I took out student loans from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX and XXXX for a combined amount of {$21.00}, XXXX. When I joined the XXXX in XX/XX/XXXX, I sent notice to all my financial lenders a form indicating I was going into XXXX XXXX. I was on XXXX XXXX in the XXXX from XX/XX/XXXX through XX/XX/XXXX. I am enclosing the official form ( XXXX XXXX XXXX ) as record of the dates. During that time, I was also XXXX to a hostile environment ( XXXX XXXX ) for the dates of XX/XX/XXXX through XX/XX/XXXX ( Letter attached ).

With the SCRA laws, my payment were to be deferred 180 days after my separation date of XX/XX/XXXX ( approximately XX/XX/XXXX ). However, in XX/XX/XXXX I received notice from the MN Department of Revenue that they kept my state refund to apply to my debt. I also received a letter in XX/XX/XXXX that the Wisconsin Department of Revenue kept my federal tax refund of {$1000.00} to put towards my debt. This is when I started contacting Great Lakes. 
Great Lakes is claiming they never received notice of XXXX XXXX or the request to reduce interest on my loans. They sent my loans to the XXXX XXXX XXXX XXXX who sent my debt to a collection agency stating I was in default. Numerous phone calls to try to resolve the issue did nothing. They would not accept my XXXX XXXX XXXX and did not want me to send them the forms to show I was on XXXX XXXX. 
I finally wrote to the US House of Representatives for assistance on XX/XX/XXXX. They took my information and paperwork and wrote to the XXXX XXXX XXXX on my behalf. The response from the XXXX XXXX XXXX on XX/XX/XXXX ( attached ) indicates they were going to pull my account back from collections, refund my tax refunds, remove my loans from a default status and return the loan to Great Lakes so I may work with them. 
It is now XX/XX/XXXX and of the above actions, the only thing that has happened is the refund of my tax refunds. My credit bureaus are still showing default and the loan has not yet been returned to Great Lakes. This has caused me financial difficulties in trying to apply for other VA loans and get approved. 
My expectation is that my loans reflect the 6 % or lower APR that was to be applied throughout my XXXX XXXX status, deferment that was supposed to take place and the 0 % for the time I was in a hostile environment which was then to be deferred for 60 months. In addition, I want all negative credit bureau reporting of default or collections to be removed and the trade line from the XXXX XXXX XXXX to be deleted since they were sent to them in violation of the SCRA. Any compensation that would apply due to the violations of the SCRA laws are also expected, up to and including waivers of monies owned and fines and/or citations to Great Lakes.
Complaint sub-issue: Personal information incorrect

Approximately XX/XX/XXXX, I contacted and logged a dispute with Equifax Credit Bureau about an address appearing on Credit report, that was not my bonifide address of residence or for receiving Mail or Bills in XXXX, Pa, and requested it be removed. 
I was notified by e-mail after a period of time, and confirmed with an agent of Equifax, that the dispute was " resolved ''. When I queried the agent that this address was removed from my report, the answer was " Yes '' On XX/XX/XXXX, The invalid address still appears. When talking to Equifax to find out why, the are very difficult and when they have all the pertinent information about SS as identification of the account insist on other obscure, not readily accessible information from computer before going forward to addressing the failures a year ago. 
They are not cordial when asking for supervisors or have them get on the phone at the time of need. 
They are asleep when our Credit information is hacked, but when a Consumer needs to have a simple issue resolved, its an inquisition.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I am writing today in regards to my account with CITI account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Complaint sub-issue: Account status incorrect

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payment on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. This is unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}
Complaint sub-issue: Account terms

I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to Equifax, XXXX, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Complaint sub-issue: Was not notified of investigation status or results

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Update this account to paid as agreed/never late because I paid on time. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to dispute many objects on my XXXX and equifax report. XXXX is always rude when I call. They will not delete anything. I sent in the documents that is paid to delete and they are still there such as XXXX XXXX. I have all these unknown inquiries and they tell me it is not their issue. Instead of my credit report getting better with XXXX it is getting worse. I am not sure if the companies is reporting things correctly or how XXXX is recording my data but it is not correct. It makes an adult like myself want to give up on trying to fix my credit. My credit is progressing with other bureaus but XXXX, it is rapidly declining. I am not sure what else to do.
Complaint sub-issue: Investigation took more than 30 days

Checking over my report & I noticed after 40 days some accounts I have disputed against the creditors & credit bureaus is still reporting. I mean obviously these accounts are inaccurate & going against my rights with the law. ( section 609 fcra ). I am dissatisfied & ask that these accounts be removed ASAP.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX check, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount $ XXXX account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX