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

I was trying to purchase a vehicle from Carvana and they specifically told me it wouldnt be hard pull to my credit and didnt go all the way through with purchase I was told it will be a soft pull to my credit and I go check my credit score after the call was ended and noticed I had a high Risk to lenders for car loans and a hard inquiry on my credit account for 24 months which I dont thank is fair because I wasnt told about this step of credit pull when we were on the phone I feel like I got pressured into buying a car without to much detail on the process I also never even finished the application for the car so I reached out to Carvana and they said I need to file a dispute I also reached out to my credit bureau and they said I need to file with Carvana to have inquiry off my statement.
Complaint sub-issue: Account status

There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XX/XX/XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( Equifax ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???
Complaint sub-issue: Received bad information about my loan

I have XXXX separate loans under consideration ( I 'm opening XXXX separate incidents, XXXX per loan ). Each loan was transferred a number of times, and satisfied with the final lender. The problem is that the original lender is still showing the loan as not satisfied with XXXX of the XXXX major credit reporting agencies.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Complaint sub-issue: Information belongs to someone else

I have 3 hard inquiries on my Equifax credit report that I would like to have removed due to fraudulent activity. The date for the first inquiry is XXXX. The date for the second inquiry is XXXX. The third inquiry was dated XXXX.
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  XXXX account # XXXX, account # XXXX, has violated my rights. 

15 usc 1681 section 602 states that i have a rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : 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: Debt is not yours

Good afternoon, I am writing to file a complant against, XXXX XXXX, I.C. Systems located in XXXX XXXX, MN. On Friday, XX/XX/XXXX at XXXX XXXX my husband, XXXX XXXX received a call from I.C. Systems. The call as received from phone number XXXX. The caller represented to my husband they were looking to speak with me, XXXX XXXX. I immediately searched the website for a number with I.C. Systems to avoids any scams etc. I made contact with an employee who transferred me to a collection rep. Per our discussion, I was made aware they received a bill from XXXX, and that I owed money, when I questioned and suggested I would speak with my attorney, I was told they could no longer engage in conversation with me and to have my attorney call them. I reached out to XXXX, XXXX and XXXX later that day to discuss the alleged debt. It was agreed the attorney would send a letter on my behalf, ( see attached ). I would also like to add I have received no bills from XXXX and the only contact from I.C. Systems was the call I initiated XX/XX/XXXX. As it relates to XXXX, I switched carriers sometime in XX/XX/XXXX to a competitor, part of the new service they agreed to pay my phone devices in full. I used monies received from the new service provided and paid XXXX XXXX on XX/XX/XXXX. After my payment was submitted I was told verbally no other money was due for this account. Again to reiterate I had no calls from XXXX or notice for any other monies due for this account. I.C. Systems sent me an email which was the only form of communication shortly after my initial contact in XX/XX/XXXX. The attachment received was for me to complete my attorney information, print, sign and mail to I.C. Systems. I also tried responding to that email which popped back and not delivered. I confirmed with XXXX XXXX, Attorney that drafted the letter to the collection agency, date of letter XX/XX/XXXX, no response has been received to his letter. This was confirmed verbally over the phone today, XX/XX/XXXX. I have simply requested to prove this debt belongs to me and provide me the required information as again I was told the XXXX account was paid in full. I confirmed on XX/XX/XXXX that I.C. Systems has now placed a collection on my credit report for an amount of XXXX which is different from the billing notice received which shows an amount of XXXX. I am requesting further action against this collection agency.
Complaint sub-issue: Received bad information about your loan

Hi, I need to complain against this company today for listing my loans on my credit report incorrectly. THe loaner has failed to not only fix the issue, but call me.
Complaint sub-issue: Account information incorrect

I have an account with US bank. I have personal called a few times within the last 3 months and everytime I called every representative would say my credit card account is closed. I recently tried to get an auto and I could not get approved due to this being on my credit report as closed by consumer. After calling multiples times and talking to more than a handful of people, they said my account was closed off wrong and no one could access or help me pay it off for 3 business days. 
I waited and called back, by then someone said I only owe {$180.00} I questioned it due to my credit report stating I owe {$420.00}. After being transferred to 2 different representatives, the last lady said I owed {$610.00}. I was highly confused and questioned her. She said the late charges are {$420.00} and the principal is {$180.00}. I do not believe my credit report would only be recognizing the late charges and nothing with principal. 
I have paid in full due to my credit already being ruined by this but I am highly upset and believe this needs to be looked into. 

I do not believe how much in fees they charged before " closing '' it out wrong. I can say with the most honestest that I will not do my future business with them. I was very young at the time of that credit card and not sure how everything fully worked. I also do not believe they tried to contact me for the funds. I also have a savings and checking account with them, they could have easily withdrawn the funds and helped my credit.
Complaint sub-issue: Unexpected increase in interest rate

I have been a customer of Citi Bank since XX/XX/XXXX, and I have a credit card account with them. My credit card APR standard purchase interest rate has consistently been at 9.99 % until this past XX/XX/XXXX, when it was increased slightly to 10.74 %. I received notice from Citi this recent XX/XX/XXXX that they would be raising my APR standard purchase interest rate to over 17 %. 

Citis explanation for doubling my APR standard purchase interest rate, as communicated in my XX/XX/XXXX statement, was due to : - A reported credit score of XXXX ( from XXXX ) - The number of accounts I have in delinquency - Too few accounts currently paid as agreed The aforementioned explanation Citi provided above is untrue and unfounded. My credit score, as reported by XXXX, is XXXX ( XXXX could not provide me with my credit report ). As per my XXXX credit report, I have been late with ( 1 ) credit card payment in a total of 10 years across ( 6 ) credit card accounts. Additionally, with the exception of this ( 1 ) late payment, all of my credit card accounts report " exceptional history '' with me, including Citi Bank.

I therefore disagree with Citis explanation and associated 200 % hike in my credit cards APR standard purchase interest rate. I contacted Citi Bank today, Friday, XX/XX/XXXX, via phone and I communicated everything Ive written in this message to a Citi bank agent. I asked that my APR standard purchase interest rate be changed back to the previous 9.99 %. 

The Citi Bank agent filed a report and this associated request for me, and she said that it XXXXay or may not be considered by the bank.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied for a HELOC account in XX/XX/XXXX over the phone and they pulled my credit report. On XX/XX/XXXX, I used the only email sent to me by Discover to start loading documents but it only allowed me to enter the same personal info that I shared over the phone in XXXX Once complete, I hit submit and Discover then pulled another hard credit bureau while I already had an open application with them. The email they sent should have informed me that I already have an application but it did not and it pulled a XXXX credit inquiry when it was not necessary. I called Discover and they cancelled the XXXX application but this seems to be a harmful practice for consumers. I find myself to be a savvy consumer and this deceptive practice has probably impacted many other consumers as they are pulling a new credit inquiry when the consumer doesnt understand or want that XXXX pull.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2018, I received an alert on XXXX that there had been a change on my credit Equifax report. When I went to the site, I found that XXXX XXXX had posted that my credit could be " affected by natural or declared disaster. '' of course, living in the XXXX of North Carolina, I am not in any such area. I contacted XXXX XXXX and did not get any response. I contacted XXXX and Equifax and neither will remove that statement. Since any XXXX search of my zip code ( XXXX ) should reveal that I am not in any disaster area, can not understand why this was not a simple fix. Apparently these large companies will only pay attention to other large companies, so I need your help.
Complaint sub-issue: Information belongs to someone else

Jefferson Capital Systems LLC is reporting a delinquent collection account to the major credit bureaus that does not belong to me and is reporting incorrectly as if it does. I've attempted to resolve this by disputing this entry with the major credit bureaus, as well as contacting the company asking for validation of this alleged debt. I have yet to receive any form of validation of this alleged debt. XXXX Mailed XX/XX/21 ) According to the FCRA, Jefferson Capital Systems LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately. I have attached the multiple notices that they've sent me as well as the validation letters that I've sent them. This is hurting my credit and I need it removed immediately as it is not my account or debt. Thank you for your assistance.
Complaint sub-issue: Reporting company used your report improperly

I was identified on XXXX as having been a victim of the recent security breach ( Today is X/X/2017 ). The intrusion was discovered by Equifax, according to their statement, on XX/XX/XXXX. This is an unacceptable length of time to wait to notify the public. 

Additionally, while Equifax is offering " free '' credit monitoring for 1 year since I am a victim of the breach, this is a trap. The arbitration clause included in this free monitoring would prevent me from being able to sue them for damage caused to me by the data breach.
Complaint sub-issue: Debt is not mine

I do not owe any of these depts. In several months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, WEST ASSET MANAGEMENT keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. The called me threatened mem and abused me for the dept that I did n't owe. I did ask them to spell the name and date of birth and they all were clearly not mine. I told them the dept is not mine, but they still put it in my credit reports every month anyway. 
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe.
Complaint sub-issue: Information belongs to someone else

Retail account which does not belong to me keeps showing up on my Equifax report and keeps bringing my score down. I do not have this information with the other 2 bureaus. It says XXXX   XXXX XXXX but i have never had a XXXX XXXX account. It says on my report the account was opened in XXXX but i didnt have any legal documents at that time. My status was changed and i got my social security number in XXXX.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I mailed a cease and desist letter to MRS BPO on XX/XX/2022 not to contact electronically or phone to myself, any family members, neighbors or friends. For about two weeks the calls stopped. For the last four days they have called daily.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citibank released a COVID-19 statement during early XX/XX/XXXX advising customers who were having hardship as a result of the pandemic to contact them for assistance. I live in XXXX, New York which was placed on lock-down due to Coronavirus so I contacted Citibank on XX/XX/XXXX to request COVID-19 forbearance and was offered a reduction in rate from 11.99 % to 9.9 % for 60 months but I would need to close the account. I refused the offer based on the condition to close. I felt it was punitive. I was told that was the only available option available but I could call again to see if any changes. I made several follow-up calls to Citibank customer service. I did not hear back from Citi until XX/XX/XXXX when their collections contacted me because I did not make the XX/XX/XXXX payment due, at that point they offered payment deferral until XX/XX/XXXX. After this agreement I still continued to receive collections calls. On XX/XX/2020 I received e-mails from Citi stating they had reduced the credit lines on both my accounts based upon my XXXX  report which indicates a substantial number of debts owed. Their action cause credit reporting agencies to identify a 97 % utilization rate of the two revolving credit card accounts I have with them. which then put me at at 37 % utilization threshold resulting in a significant reduction in my credit score by relevant agencies. I'm a new business owner and the life and breath of my business relies greatly on my credit score. Citi has since refused to accept responsibility for their unfair and discriminatory action. They insist that the  first time I contacted them was XX/XX/XXXX. I have sent them my phone logs of the calls that were placed to them during the month of XXXX, requesting transcripts of our exchange. They have refused stating they will only provide same via a subpoena. I suspect Citibank posted their COVID-19 statement encouraging customers to call in and when we did, they tried to trick us in closing accounts, because I did not accept their original offer my accounts were flagged and later reduced because I was considered too risky. I've had one of the accounts for over 25 years and can't remember ever missing a payment. COVID-19 was a risk for everyone on many levels and they  used their authority as a weapon to further harm unsuspecting customers.
Complaint sub-issue: Attempted to collect wrong amount

Medical provider for my daughter referred a {$540.00} debt to I.C. System XXXX XXXX XXXX. I.C. System will only accept payment by credit card if it is processed through " XXXX, '' which charges a {$30.00} fee to process the payment. The effect is that it charges debtors a {$30.00} fee in order to pay their debts. My understanding is that this violates XXXX XXXX XXXX ( XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

EOS CCA is reporting wrong information on my credit report This company is Re-aging my account Version # XXXX which is reporting date XXXX which is wrong well as payment History, they reporting {$1100.00} which is wrong my account is {$890.00} my Delinquent was XX/XX/XXXX as you will see in my copy of the Document which XXXX sent me they are reporting wrong information I sent them letters after letters even called them about this wrong information they reporting on me they told me Its accurate as you see its not here is my Original bill Account Summary
Complaint sub-issue: Information belongs to someone else

Company is not complying with their own policies in a timely manner.
Complaint sub-issue: Public record

Lien was paid in full in 2009 and released.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 PROCOLLECT , INC added a derogatory on my credit report per XXXX XXXX XXXX, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, PROCOLLECT , INC violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Complaint sub-issue: Didn't receive terms that were advertised

I attempted to purchase a CD from Citibank online. The purchase appeared to be successful but at the end of the process I got an error message that said Citi was unable to create an account and I should go to a branch. I visited a branch and they were unable to create the account but they informed me that if the money wasn't withdrawn on the same day, the transaction would be cancelled. As a precaution I disabled the XXXX access to my XXXX account that Citi had requested. The next day I purchased a CD from another institution. Today I discovered that my XXXX account was overdrawn because Citi had withdrawn the funds. I called Citi several times in an attempt to resolve the issue and cancel the CD. They informed me that the CD can not be cancelled without penalty, yet they are still unable to create an account online for me, so I am left with a product I have no access to ( since they can not create an online account ), which I didn't want in the first place.
Complaint sub-issue: Fee problem

During the COVID-19 pandemic we are asking Citibank to reverse the monthly maintenance fee on our checking account. Citibank refused to reverse the XX/XX/2020 fee.
Complaint sub-issue: Problem with balance transfer

hello my credit card company I know is doing illegal activities on my account is " Shop your way '' citi bank card. I have documentation that I have screen shot on my phone from their web site of all the transactions. as of right now they have debited my account {$7500.00} for a clerical error on their part. there is more illegal interaction that has lead up to this point. all of these interaction have taking place within the last 7 days. 

please call me so I can explain in more detail XXXX thank you XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

i check my credit report today and i see XXXX account in collection for XXXX agency collection afni i spoke whit XXXX and the address they tell-me about that i never lived in that address before and i never sign any contract whit them for any cable.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Hello, To whom it may concern The reason for this complaint today is I have incorrect information reporting on my credit report. I disputed the process three times. They still have failed to show me proof from the original creditor to report the information and no signed contract. I disputed this information XX/XX/2018 WITH XXXX AND EQUIFAX. I received a letter from XXXX on XX/XX/2018 stating that they would look further into and investigate the information provided by me within 45days. I still haven't got a reply as of today 's date XX/XX/2018. It has been two months and more since i received the letter. I still haven't received anything from EQUIFAX SINCE I MAILED THE LETTER OUT. They have went over and beyond 45days violating my consumer rights. I will ask for ALL the information that i disputed must be deleted immediately. If this information is not deleted in 15days i will file suit against these two bureaus. I have proof of USPS receipt as well as documentation of my disputes. Hopefully we can get this matter resolved with no further action.
Complaint sub-issue: Keep getting calls about my loan

I was contacted by American Education Services on XXXX consecutive days before XXXX. The XXXX day was contacted at XXXX and the XXXX day at XXXX XXXX. I called back on the XXXX day and talked XXXX guy that was rude and was stating well thatis what happens when you are delinquent. I asked to talk to a supervisor who was equally not helpfuul and was telling me that they are in Pennsylvania and they are XXXX hours ahead of my local time. So she said they had no control over the automated calls.