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

i inadvertently missed a payment on my car loan for XXXX. the last time i paid was the end of XXXX. the only way i found out is that i saw a late charge on my financial software. while i'm okay paying a late fee for my error, this does affect my credit score. i called and asked if there was a way US Bank could notify me if i missed a payment. i was told that i should have received a phone call or a letter. i received neither. they have my correct information, including my email where i definitely receive my statement each month. i do not answer my phone if i don't know the number, but i get voicemails in XXXX, i get voicemails from car warrantly companies, i get voicemails for vacations, but i never received a voicemail from US Bank. i did not receive a letter, i did not receive an email. yet my payment was 6 weeks late and they charged me a late fee with no notification that i was late on my payment. when i called in they said there was no other way to notify me or alert me except the methods that they *did not* perform. this seems to me fundamentally dishonest, wrong, and quite possibly illegal. please keep your eye on them. thank you.
Complaint sub-issue: Account information incorrect

Via fax number XXXX Attention U.S. Bank XX/XX/2019 Vehicle lease number XXXX To the attention of the repossession department, In a follow-up to my letter of XX/XX/2019 in which I advised the bank of the improper information that was submitted to all the credit agencies in which my truck that is being financed through U.S. Bank has been repossessed which it has preventing me from securing private loan. 
At all times XXXX, the representative from U.S. Bank in extension XXXX had refused to provide a corresponding clearing up that the vehicle was not repossessed and that I have the vehicle in my possession. I also requested a letter that I can take to the bank in order to get my loan that Im current with my payments and she had refused. 
I have contacted over 15 different lending institution and every one of them advised us that the repossession by U.S. Bank that is being reported determined that I will not qualify for the loan due to that negative report. 
I was advised by my lawyer to terminate early the lease as I can not make any payments due to the negative incorrect reporting to the credit bureaus, and have this matter determined by the court of law. 
The vehicle is available for U.S. Bank to be picked up at any time, bank should make arrangements and coordinate a proper time and the place for the transaction to take place. Upon picking up the vehicle I am requesting a document that would verify that the vehicle was turned into the possession of the bank. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX
Complaint sub-issue: Account status incorrect

Equifax has XXXX accounts listed as late/delinquent.
Complaint sub-issue: Information belongs to someone else

. I already sent few rounds of dispute about them. I believe that someone have my personal information. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information
Complaint sub-issue: Their investigation did not fix an error on your report

This is my third attempt to receive from the bureaus requested original documented proof of a disputed 8-year old account [ XXXX XXXX ]. It appears that the account was remove, updated from the information I provided and then placed back onto my report causing my FICO score to drop nearly 40 points. Therefore, it seems I was penalized for requesting a proper investigation ; and sending me tangible proof. 

As per section 609, I should be protected from all forms of false and manipulative reporting and asking for all documents that were filled out when this account was opened, including an application and/or contract with signatures is within my rights. I contacted all three bureaus after discovering that all three bureaus had different and conflicting information about a very old account. It is clear that I was penalized for challenging an account. The amount owed was the same, which should have been the only reason my score would have to change. 

In the pass I was a victim of identity theft, I simply want the original documents to determine ownership.
Complaint sub-issue: Information is missing that should be on the report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Ive disputed this issue with XXXX on numerous occasions. These collections do not belong to me. Ive never signed any agreement or done any business with this company. The following dates are 

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

I sent investigation back in XX/XX/2020. Recently last month, no sign of investigation nor information given. Everything has been tracked and showing in receipt. Per XXXX XXXX XXXX these debts I was never notified in 5 days. Im not aware of these debts and very unfair for XXXX to say I owe a debt thats NOT correct. I didnt get into contract with this company and I always pay ALL my debts. Also per XXXX XXXX XXXX, multiple violations have been committed. I have not got any information from the credit bureaus and have submitted investigations yet no information given and its been over the allotted timeframe per Fair Credit Reporting Act.
Complaint sub-issue: Other problem getting your report or credit score

I attempted to get a loan was told by the lender my account was not showing and there was no information on my account. I contacted the reporting agency and they claimed it was nothing but when I check again they claimed it was still not working or reporting. I attempted to contact the reporting agency and they have no reason why the merchant cant open my credit file.
Complaint sub-issue: Personal information

My soon to be X husband has moved to XXXX XXXX XXXX in XXXX Il XXXX, HIS name is XXXX XXXX XXXX XXXX DOB ... XX/XX/XXXX. Please remove any of his information from my household. I have never lived in XXXX nor will I ever. 

I have lived at my current address for 45 years and will continue to live at XXXX XXXX XXXX ( is my current name until divorce ) ( then it will XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Illinois XXXX DOB XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

The following account isnt not mine. Equifax deleted and permanently blocked the following account from my Equifax credit report between XX/XX/XXXX through XX/XX/XXXX : XXXX Child Support Enforcement. The account has been put back on my credit report, even though, Equifax deleted and permanently block this account from my credit report between XX/XX/XXXX through XX/XX/XXXX. The account is not my account.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX XXXX ( Attorney XXXX XXXX XXXX ) in XXXX Kentucky was hired by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NY XXXX, XXXX being a third-party collection agency who purchased the debt from Citibank in or about XX/XX/XXXX,  advising I owed {$1500.00} of which I just recently learned. XXXX placed a lien against my residence in XXXX County, Kentucky for this amount on XX/XX/XXXX, it then caused to have all of my paycheck ( s ) deposited to my XXXX checking withdrawn via unknown garnishment in the amount of {$1300.00}, leaving me without one cent. The debt collection is being handled in an illegal manner, past statute debt to collect, using a third-party debt collector without proper notification, having placed a lien on my residence, then proceeding to garnish all of my funds from my checking account leaving me penniless. I never used Citibank 's credit card. I ask that I be reimbursed the monies taken from my account.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, over 45 days ago I requested that bureaus provide written proof of verification of negative items showing on my credit reports. To this day I have not been notified of any verification paperwork through mail or online. It seems that they are ignoring my requests by continually disregarding my communication efforts. I am at my wits end in trying to move on and with these errors and get them off my report as no one seems to care enough to respond to my complaints. I have contacted the businesses that are on my report and they explain to me that it is out of their hands and falls on the bureaus. I do not know how these items are appearing on my report but according to the FCRA, if they are inaccurate or unverifiable, they must be removed. I have been sending letters back and fourth to the bureaus stating this to get this situation rectified. Still, no response. I do not know what else to do as I feel I being forced to move forward with legal proceedings for the violations of my consumer rights. 

If they can not provide proof ( written contract with my signature that includes dates of late payments, when negative items happen ), I would like for these items to be removed, as it continues to negatively impact my ability to obtain employment, financial mobility, and my overall emotional state.
Complaint sub-issue: Reporting company used your report improperly

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a ( 3 ). They assumed this role without permission not only that they did not have my consent. They did not respect my rights to privacy which is under 15 USC 1681 a ( 4 ). They did not exercise there grave responsibility, they were unfair, they were partial. They never had permissible purpose Under 1681 b ( 2 ). I never consented to this report in the first place.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have called EQUIFAX several times trying to get resolution of a dispute. I was professional and I am not an irate type of person. It was extremely disappointing to have several people either hang up or transfer me to another person without my knowledge. I was even hung up on my a supervisor when I was going to quote the law. I am disputing items on my credit report based on 15 U.S. Code 1681a under 2B in exclusions. I demand these items be removed! I have also sent another complaint thru the CFPB. Confirmation XXXX. 

This ORGANIZATION WASTED HOURS OF MY TIME AND WAS VERY UNPROFESSIONAL! I DEMAND MY CREDIT REPORT BE CORRECTED AT ONCE! I HAVE DISPUTES FROM XXXX AND XX/XX/22.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Collection Agency Rep. THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. Provide me with the following : A copy of the original contract you alleged I signed. An accounting of how payments were applied. The interest that was added along with any ancillary charges. Identify the original creditor. Prove the Statute of Limitations has not expired. Provide verification or copy of a judgement if there is one. Provide licensing information that allows you to collect in my state. Per the FDCPA 1692G,  all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.
Complaint sub-issue: Charged too much interest

Starting with my XX/XX/XXXX statement, I wrote a check to US Bank to balance transfer {$1800.00} that was supposed to get me 0 % interest until XX/XX/XXXX. I did another check balance transfer on the same card with my XX/XX/XXXX statement for {$1800.00} that again was supposed to be 0 % interest unto XX/XX/XXXX. On my XX/XX/XXXX statement, I made a car payment to my wife 's car and it somehow counted as a cash advance in the amount of {$580.00}. The cash advance rate on this card is 25.99 %. My minimum payment on this statement was {$70.00} and I made payments that totaled {$1500.00} for this month and I was charged interest on the cash advance and on the purchases that totaled around {$23.00}. 

On my XXXX statement, I made a lot of purchases ( 16.99 % interest ), but also made a payment in the amount of {$4800.00} ( minimum payment was {$56.00} ) and was charged {$8.00} in interest on the cash advance that still somehow had a balance. 

On my XXXX statement, I made more purchases, but also paid {$1200.00} in payments with a {$120.00} minimum payment. One of my 0 % balance transfers was paid off by this month and I was charged {$66.00} in interest on my purchases ( 16.74 % interest now ) and {$.00} on the cash advance that was still not paid off, but now has a balance under {$10.00}. 

On my XXXX statement, I made more purchases and made payments of {$4500.00} ( minimum payment of {$100.00} ). This month, my other 0 % balance transfer was paid off, the cash advance still was not paid off and I was charged {$.00} in interest on the cash advance and {$67.00} in interest on purchases. 

It was with this last statement that I finally realized that they were paying off my lowest interest balances first and sticking me with the interest on my highest balances. It was my understanding that the Credit Card Act of 2009 made it the law that companies had to apply any " overpayment '' ( anything paid above the minimum payment ) to my highest interest balances first and pay those off before moving to the next highest interest. When I called US Bank and asked them about it, they said the law changed and they were not required to do anything of the sort. They could apply my money how they see fit and have been applying my entire payment to the lowest interest balances, which is why my 0 % interest balances were paid off before the 25 % cash advance was paid off ( still not paid off technically ).

If they're right, let me know if the law changed or how I'm interpreting this wrong. But I couldn't find anything that said that info was correct and it appears they're breaking the law by doing this to me. Let me know though! Beyond that, if they're doing this to me, they're doing it to their other customers too!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Please reference case number XXXX. Complaint sent to CiTiBank Credit Card disputing a payment made in the amount of {$10000.00} XXXX a company owned by XXXX XXXX which has been shutdown by the FTC for fraud. CitiBank explains the there reason for not providing help because the occurrence of fraud was detected by the FTC after 120 days of opening this account to fund the XXXX business. Why can XXXX give cover for the victim in this Ref. XXXX and CitiBank provides no help to someone who is about to loose my home. My hope was to earn money to make and honest living not to be a victim of fraud. 
Please look at the Compensation Plan pdf, these levels are for lifetime. Need Help Now!
Complaint sub-issue: Investigation took more than 30 days

From XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX my credit report now reflects 30-60 past due when in fact was never late.. on my credit dated XX/XX/XXXX none of these payments were showing late in fact they werent late. I have disputed the inaccuracies with all three bureaus as well as spoken with XXXX XXXX XXXX about this inaccurate information. They all have failed to validate the accuracy of the info and complete a thorough investigation within 45 days. They have also reported that my account open with the company on XX/XX/XXXX which is not accurate to the signed contract between myself and XXXX XXXX XXXX. Because of the false reporting and poor maintenance of my credit file I lost out on finance options and needed loans. Attached is a screenshot of my account reporting from the bureaus
Complaint sub-issue: Debt was paid

Two items I'm disputing, first one is : Months ago, maybe a year ago, I noticed that there was a " debt '' showing as unpaid on my credit report. I contacted the dr 's office ( XXXX XXXX in XXXX XXXX, FL ) and they agreed that it was paid years ago and it shouldn't have gone to collections, they said they'd fix it. They didn't - I contacted them several times and each time they didn't correct it. I wrote a letter in XX/XX/XXXX. I received notice from XXXX stating they corrected it. But now I still see it on XXXX ' report. See below. 
Updated collection, XXXX XXXX XXXX, XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS, BUSINESS TYPE, ACCOUNT TYPE/STATUS, BALANCE, XXXX XXXX XXXX XXXX, UNPAID, $ USD XXXX Second dispute is : New collection, AR RESOURCES INC, XXXX, XX/XX/XXXX BUSINESS NAME/ADDRESS, BUSINESS TYPE, ACCOUNT TYPE/STATUS, BALANCE AR RESOURCES INC, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, Collection, {$100.00} This is for another medical bill from XXXX XXXX XXXX. I had made arrangements for monthly payments and I paid it off even sooner than agreed. I contacted both XXXX XXXX XXXX and AR Resource. When XXXX XXXX said I didn't have a payment plan, I asked them to have a supervisor call me, I'm still waiting for the call!. The balance is XXXX on this and should not have gone to collections! 
It's frustrating to get medical care, pay your bill and still get sent to collections - probably due to the incompetence of entry level reps. So here are two medical offices that people should try to avoid!
Complaint sub-issue: Their investigation did not fix an error on your report

Date : XX/XX/21, XXXX XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. You sent me a copy of a bill you had no HIPPA RELEASE ATTACHED! I will use this in court.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Equifax is in violation by allowing and debt collector to place a collection account of an alleged debt on my credit report. Account opened XX/XX/2019 in the amount of {$57.00}. I have sent Equifax multiple certified and notarized dispute letter with no response. Equifax has violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Equifax has been willful noncompliance and in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
Equifax has oppress me by allowing this collection to be on my account stopping me from receiving services and goods. Also harming my reputation by dropping my credit score.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Recently on XX/XX/XXXX because of a phone call received from Citi credit card company I became aware that a credit card had been issued in my name to a person living in XXXX XXXX Ga who had the same first and last name. The total balance owed being {$9000.00}. A payment Citi received was less than the monthly {$850.00} owed. 
I have never lived in Ga.. I have lived in Florida since XX/XX/XXXX. I have never had a Citi credit card. Yet the individual had obtained all my personal information according to the Citi rep. 
Citi called Florida on our landline phone number and we spoke regarding the bill. Apparently contacting the person who was issued the card and had made the payment did not occur to Citi. 
Therefore it is difficult to believe Citi can or is willing to do the right thing. 
To be told a credit card with my name has an unpaid balance of over {$9000.00} is frightening.