Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

Gradated undergrad in 2007, into the recession. Could not find a stable good paying job to keep up with my private loans. My private loans where sold to XXXX in which XXXX sold them to another collection agency. I was contacted by ERC in an attempt to collect the debt, and they wanted to settle for what was the balance of my all my private loans at XXXX. I agree and borrowed more money to pay the debt that was agreed for XXXX, but ERC Lied and allocated the funds to other accounts that were NOT discussed and changed the parameters of the settlement without notifying me prior. It was only after I had paid them, that they sent a cryptic letter saying what account the funds had really been allocated too, thus furthering ruining my credit score and lying. IS THIS LEGAL.
Complaint sub-issue: Company closed your account

I have citibank costco credit card. It will expire on XX/XX/20. Citibank chose to close this account once it expires on XX/XX/20. This account is have no past due or has been late on payment. Citibank also dont want to give the rewards i have earned by using this card. So far I have like {$700.00} of rewards that is suppose to be given in XX/XX/2020. Its ok if they close the account but I want my rewards. I tried to talk to citibank to keep my card but they wont.
Complaint sub-issue: Information belongs to someone else

These accounts are not mine and are affecting my credit report. 

PNC BANK Account Number : XXXX XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

I previously submitted a complaint and the respoSne I received was that it appears that someone else or third party submitted the complaint and you were closing it. 
I AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF AND NO THIRD PARTY IS INVOLVED. 
AGAIN, I AM RESUBMITTING A SECOND COMPLAINT ON MY OWN BEHALF I DID NOT AUTHORIZE CONSENT NOR BENEFIT FROM THE ITEMS LISTED IN MY SUPPORTING DOCUMENTATION.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Below are the claims that have been denied. Citibank has disregarded my rights under the credit card agreement. The merchant has not honored these purchases as I can no longer access my account for switch I paid for. 

{$54.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$65.00} on XX/XX/2023 {$33.00} on XX/XX/2023 2023
Complaint sub-issue: Reporting company used your report improperly

Without my consent, Equifax collect my private information and sold it without my knowledge or consent. They then released my confidential, private information to criminals who will use it to steal my identity. Equifax then tried to 'compensate ' my by 'offering ' 'credit monitoring. ' Equifax FAILED to even provide this 'credit monitoring ' in that they NEVER provide the promised e-mail so that I could register for this 'credit monitoring. '
Complaint sub-issue: Their investigation did not fix an error on your report

I placed XXXX disputed about a bankruptcy that is reporting on my credit. As of today XX/XX/2022 they concluded my investigation. The conclusion came back stating that they verified the bankruptcy illegally through a XXXX party. By law this is not a way to verify and the verification must be through the court directly. They claimed to verify this account through XXXX XXXX. This is illigal considering my lexis nexis account is frozen due to fraud, they 100 % could not a verified with them anyways. This was a flat out lie and they did not investigate this, if they did they would of know per law it must come directly from the courts. I contact the courts myself to see if they inquired and they said they do not respond to any inquiries from the credit bureaus or XXXX XXXX. There for both are in violation of my rights.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Account status incorrect

EOS CCA has been reporting an open account on me credit report since XXXX. 

My account was closed by XXXX in XXXX. 

The company keeps re-aging my debt, most recently from XX/XX/XXXX ( from XXXX ) to now XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

In XX/XX/2019 we came to an agreement with XXXX that the Solar Systems would be removed and all Obligations for the Solar Leases would be terminated due to improper installation of the solar panels and promises to repair the leaking roofs. The Solar Panels were removed by XX/XX/2019, as per the agreement. We are still receiving monthly bills for the terminated leases and they are being reported to the credit agencies as being late paid, including what they are calling current amounts that would have been due if the contracts were in place even though all of the contracts have been terminated. XXXX has filed the releasing of the XXXX filing.
Complaint sub-issue: Privacy issues

Discover has unexpectedly required a form 4506-T under threat of account closure. This is not an industry standard - I've had credit cards for more than 20 years - and I refused to disclose such sensitive information. 

I believe this is intimidation driven by an under-pressure underwriting department who is extending their reach beyond reasonable industry norms.
Complaint sub-issue: Overdrafts and overdraft fees

I have had a checking account with Citi Bank for almost a year now. But I rarely use the checking account. So imagine my surprise when one day I looked at the account just for fun and giggles and see that my account was overdrafted XXXX because I did not have a balance of more then 1,000.00 for the month. Now keep in mind that when I originally opened my account with Citi Bank I told them that I would likely not have that amount every month because I would primarily use that account for XXXX etc. I was told that was fine because this is a total free checking. So imagine my surprise when I found out that I was overdrafted. Not because of my bad budgeting but because of Citi Banks Misrepresentation. So when I called to request a reversal of the overdraft fee that was not due to my lack of budgeting etc. I was told No because this account is required for me to have a minimum balance. And when I explained that I was told that this was a total free checking. I was still told that he would not be able to waive the fee. So I told him to close the account because this company is very misleading!!! Now yesterday just so happened someone XXXX me money not realizing that I no longer banked with Citi. ( So I thought ) because again I told them to Close my account. So in a panic i checked and what do you know!! The account was still open and they took another XXXX fee out!!!!!!!!! I am livid!!!! Especially when this account was suppose to be closed months ago!! Totally not okay!!!!!!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

My credit score dropped 65 points due to the way XXXX XXXX reported the pause in student loan payments granted by the CARES Act to the credit reporting agencies. Account was in good standing and there were no other adverse actions that would impact my credit only change was the pause in payments automatically granted by the govt. All parties contacted ( XXXX, Equifax, XXXX, XXXX  ) insist the error is not theirs and will not make any adjustments, meanwhile I have been harmed financially and unable to make any improvements to my finances in the middle of a pandemic.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2022, I contacted AFNI requesting them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. 

As of date they have not provided me with this information they keep sending me letters only saying that I owe XXXX, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. 

Your assistance in this matter is greatly appreciated. Thank you!
Complaint sub-issue: Trouble with how payments are handled

I currently have many student loans, all through Great Lakes loan ( GLL ) services. I have been overpaying my loans to more quickly pay them off. According to great lakes loan ; " The regular monthly payment goes first to accrued interest, and then is prorated over the loans within the account. If your payment is larger than the regular monthly payment, the overpayment is applied to the principal on the loan with the higher interest rate, assuming all outstanding accrued interest is paid. " When I first setup my account I was asked to setup a monthly auto-pay for a 0.25 % interest deduction. I of course did so. This auto-pay is assumes a default " 10-year '' repayment plan. What I have been doing is making extra payments 1-2 times a month in excess of {$1000.00}. Using their phone app everything looked like it was going well. I then logged onto their website and saw a discrepancy. GLL has been taking my extra payments and applying them equally across all of my loans, not to the ones with the highest interest, like initially thought. After contacting GLL they informed me that the statement above only holds true if I overpay via the " monthly payment '' not the " one time payment ''. This is purely a ploy to not pay off my highest interest loans and keep me on as long as possible. Their statement says nothing about a " one time payment '' exception. When i called them out on it they replied with ; " We are happy to reapply any additional payments as you direct, assuming all accrued interest has been paid, although it is necessary for you to submit a request via email or phone after each payment is made in order for us to do so. Thus, it is generally to your benefit for you to make a single, larger payment at the time you make your regular monthly payment, rather than to make a separate, extra payment after making your regular payment. '' How does this make any sense? why would they be treated any differently? I have to contact them after each " one time payment '' to tell then to put it towards my highest interest loans ...? I have been repaying my loans now for 2 years and could have avoided hundreds of dollars of interest if they had done what they said they did with overpayments. which is what a " one time payment '' is, regardless of whether it is part of the standard monthly payment or not.
Complaint sub-issue: Banking errors

My name is XXXX XXXX. Owner of XXXX XXXX XXXX XXXX, XXXX. 

On XX/XX/22, Bill.com sent a business payment scheduled by their Client, XXXX, XXXX, XXXX XXXX XXXX to XXXX and XXXX XXXX, XXXX to an incorrect personal account number. 

Upon multiple request, Bill.com still have not resolved this issue. I have been legally counseled on this matter and was advised that Bill.com has to dispute there transaction with he receiving Bank ( XXXX XXXX XXXX ). 

This has been a HORRIFIC CUSTOMER EXPERIENCE with Bill.com and XXXX XXXX XXXX. Each financial institution has been pointing figures at each other for over 6 months with no resolution to have funds deposited into the account for XXXX XXXX XXXX. I have been humiliated by both financial institutions customer service representatives and managers when attempting to get assistance on multiple occasions. 

This matter has caused me Emotional Stress, Financial Issues & Damage to Business Practices. 

With over 6 months pleading with both financial institutions for this matter to be corrected, Personally, I have been bullied verbally and belittled mentally. 

We are victims! 

I never felt so small and powerless!
Complaint sub-issue: Public record information inaccurate

AFTER RECEIVING A COURT ORDER TO REMOVE A CHAPTER XXXX FILING CASE NOXXXX THE XXXX XXXX XXXX ORDERED A NOTICE OF WITHDRAWAL FORTHWITH FROM ALL PUBLIC RECORDS. THE THREE MAJOR CREDIT REPORTING BUREAUS HAVE NOT REMOVED THIS PUBLIC RECORD EVEN AFTER THIS HAS BEEN ORDER BY THE FEDERAL BANKRUPTCY COURT CENTRAL DISTRICT.ALL 3 MAJOR BUREAUS GO THRU THIRD PARTY VENDORS AND ACCORDING TO THE FCRA ANY THIRD PARTY VENTOR VERIFYING A CONSUMERS PERSONAL INFORMATION MUST BE IDENTIFIED .AND NONE OF THE BUREAUS FOLLOW THE GUIDE LINES SET BY THE FCRA.
Complaint sub-issue: Other problem getting your report or credit score

Re : Equifax 's That I have Disputed derogatory information on my Credit Report with XXXX, XXXX, and Equifax. That XXXX and XXXX  have made corrections on my credit report and adjusted my credit score accordingly. However, to the best of my knowledge, Equifax has failed or refused to take the same actions as XXXX and XXXX in making the above correction and /or adjustments on my credit report.
Complaint sub-issue: Debt was paid

I rented a room in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) from XX/XX/XXXX - XX/XX/XXXX. I was a XXXX XXXX at XXXX XXXX XXXX University at the time and graduated in XX/XX/XXXX. I paid roughly $ XXXXmonth in rent until the end of my lease which expired in XX/XX/XXXX. I received my security deposit back in full ( one month 's rent - US {$800.00} ) upon my move-out in XX/XX/XXXX. I completed the move-out process organized by XXXXXXXX XXXX  which included signatures on a " move-out '' sheet that was submitted prior to me receiving my security deposit back in XX/XX/XXXX. 

Several months after completing the move-out process, vacating the unit and receiving my security deposit back, I received an email from XXXX XXXX XXXX stating that I owed an additional charge ( {$520.00} ) for cleaning services. I was shocked to see this as I had already completed the move-out process which involved calculating any additional charges ( which would have been taken out of my security deposit ). I still believe I am not under any obligation to pay this charge. XXXX XXXX XXXX sent this additional charge to a collection agency in XX/XX/XXXX. 

I now have a collection account on my credit report for this additional charge I have no obligation to pay. I have been in contact with both the collection agency ( XXXX ), XXXX XXXX and a credit reporting agency countless times over the past several months to try to find a resolution to the issue. XXXX XXXX communicated that the charge was sent to XXXX by the previous property manager who is now not employed by the company and that it should not have been sent. Though, when I have asked ( numerous times ) for them to provide the documentation of the signed move-out sheet and the account history of which would clearly show the returned security deposit, they have not responded or stated " they will get back to me ''. 

My payment history should be documented in my online resident portal, which only XXXX XXXX has access to, as I am no longer an active resident at their property. I am still attempting to obtain this proof so that my dispute can be properly processed by both the credit agency and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

There are two late payments listed on a XXXX XXXX XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line up.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I request proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. I need the following inquiries deleted 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 XX/XX/XXXXXXXX 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 XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Debt was result of identity theft

ID THEFT DISCOVER ACCOUNT NEEDS TO BE REMOVED. SSN XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Despite the multiple dispute letters and CFPB Complaint I have been submitting against the Credit Reporting Agencies, the Credit Bureaus still have the audacity to continue their erroneous reporting of the disputed fraudulent accounts and information on my Credit File. I previously sent a dispute letter to the Credit Bureaus last XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, a month have passed and yet the Credit Bureaus have failed to respond to my dispute letters. Upon checking my updated Credit Report, I was surprised to see the disputed items still appear on my Credit File. The Credit Bureaus ' actions is a clear violation of consumer rights and is punishable by law. I seek help from a legal counsel and they are willing to help me file a lawsuit against the Credit Bureaus. I am submitting this CFPB Complaint to the Credit Bureaus to remind them of the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed fraudulent accounts and information from my Credit File within the time allotted by the law. Also, if the Credit Bureaus do not comply with the requests and respond within the next 30 days, I will be filing a lawsuit. I am requesting that the Credit Bureaus remove the following items completely from my Credit File XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be deletthese companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable.
Complaint sub-issue: Debt was discharged in bankruptcy

Approximately once a month or more frequently, I receive a recorded message on my answering machine stating, " This is a message from EOS CCA. This is an important call about a debt collection. Please call XXXX. '' I do not have any late or unpaid debt at the moment, so I believe these phone calls to be fraud activity and illegal. I have researched this company online, and it has a history of fraudulent and illegal activity.
Complaint sub-issue: Investigation took more than 30 days

I filed a complaint a few weeks ago and the companies are responding to me stalling and not understanding what my letters are stating. I will attach all letters that were sent to me and the returned letters from the credit companies. I need to have this false information off of my profile.
Complaint sub-issue: Information belongs to someone else

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that XXXX, EQUIFAX AND XXXX initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries 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 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: Account information incorrect

I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and XXXX and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/ 2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.