Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Confusing or misleading advertising about the credit card

Credit card act of XXXX requires issuers place payment allocation to highest interest balance first. To my surprise Home depot has policy that if promotional balance expires 60 days, payment will apply on promotional balance first instead of highest balance first. I have document showing that promotional balance expires in XX/XX/XXXX, while I had purchase an item in early XXXX using credit card which subject to 29.99 % interest, then on XX/XX/XXXX, which is after my last billing cycle I paid more than the cost of the item I purchased few weeks earlier, guess what? That money paid off promotional balance fully leaving interest bearing balance alone forcing me either pay off the remainder of the balance or subject to interest charge in XX/XX/XXXX. 
This is not the first time, but repeated to the point I started to notice the pattern, I decided look up at their website, they have the page where debtors can rearrange promotional balance but none for interest bearing balance, I find this not justified and clear violation of Credit card act of XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I never received any communication on this debt collection account until it appeared on my credit report. I have no knowledge of this account or where it came from. 

Vance & Huffman LLC XXXX Date Opened XX/XX/2022 {$880.00}
Complaint sub-issue: Information belongs to someone else

To XXXX Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 
15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] (  a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXXXXXX XXXX  XXXX This creditor states I was Late on Dates : XXXX, XXXX, XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT MP3 CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX******XXXX This creditor states I was Late on Dates : Late Dates : XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT MP3 CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX** XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX******XXXX XXXX XXXX******XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE
Complaint sub-issue: Information belongs to someone else

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting me 120 days late on the XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Can't temporarily delay making payments

I am a XXXX in Oklahoma who gets paid once a month on the XX/XX/XXXX- always have and always will. XXXX has known this since XX/XX/2012 and has NEVER allowed me to change my due date to the XX/XX/XXXX. Even now, when I am having a major water leak, no running water in our home and after being defrauded out of almost {$1000.00} by corporate greed in XX/XX/XXXX- I also have a new student loan payment to contend with. I need help to get my family back on our feet again- this couldn't have come at a worse time. I applied and was denied a XXXX XXXX that can be used unlimited number of times with no explanation. I deserve that if anyone does! We appreciated greatly the forbearance this past year and we desperately need another length of time to finally secure some vestige of a financial future despite my egregious loan amounts. I'll NEVER be able to even pay a dime of the principal, I've dedicated my life to XXXX and kids ... and since Student Loans are the ONLY debt no one can EVER get rid of- We suffer - year in and year out because I went to college right when it was most expensive and least valuable. Now I commit my life to kids and my community and give back EVERYDAY with no hope of ever getting out from under my {$140000.00} in student loans. I borrowed about {$45000.00} total. The rest is fees, interest, and money the Federal Government is making off me ... a guy making {$31000.00} a year. Can someone please help us get a forbearance or debt cancellation. How can we live our lives under this incomprehensible debt? Being forced to pay a bill 4 days before payday that you can not afford is a recipe for more lost funds for my family! Please help us- we may be forced to move soon and need help!
Complaint sub-issue: Information belongs to someone else

I have filed multiple disputes with Equifax concerning an unauthorized hard inquiry ( Comenity bank/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( XXXX XXXX Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from Equifax that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXX XXXX sent me a letter and also sent a letter to Equifax saying " After review of the XXXX XXXX Reward claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to Equifax to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does Equifax continue to say the hard inquiry is verified? That's a lie! Additionally, since Equifax would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on Concentric Receivables for having an unauthorized account on my Equifax credit report and on XX/XX/XXXX XXXX XXXX responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that Equifax is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the Equifax data breach. This hard inquiry and collection need to be removed from my Equifax credit report today!
Complaint sub-issue: Problem with fees

Cfpb : discover recently sent a bill, after a call stating payment was need payment was made but agent didn't state that a XXXX interest charge was include that should have been liable to the negligence.
Complaint sub-issue: Attempted to collect wrong amount

They are double charging me for an eviction from 2013. Account : XXXX XXXX & XXXX XXXX They are double charging us for an eviction that we received XXXX 2013. The apartment complex sold the collection to a third party which is Procollect INC. They are in turn trying to double charge us for Insuffcient Notice Penalty charges in the amount of {$1300.00} times two for a total of {$2700.00}. A lease termination fee in the amount of {$190.00} times two for a total of {$380.00}. Along with the other ludicrous charges of resurfacing the tub in the amount of {$170.00} and shampooing the carpet in the amount of XXXX. I say this because there was n't any damage with the tub nor the carpet, both were very clean upon departure and we also did a walk out with the leasing office along with a checklist and nothing was wrong. Both her and I signed off on it! We only stayed in the apartment for a total of 3 months. It clearly states charges for " XXXX ''! As highlighted! Rent was {$680.00} per month. And with all these fraudulent charges we now have a grand total of {$5400.00} owed. This is bogus!
Complaint sub-issue: Investigation took more than 30 days

ALL CREDIT BUREAU 'S KEEP ADDING THE SAME NEGATIVE ACCOUNT TO MY CREDIT REPORT EVERY YEAR FOR THE PAST 5 YEARS. XXXX IS NOT OWED ANYTHING!! I HAVE SUPPLIED THE INFORMATION FOR LETTER TO VALIDATE AND FAILURE TO DO THIS AND THEY KEEP ADDIN G IT BACK TO MY CREDIT FILED, AND IT HAS BEEN ADDED WITH 4 DIFFERENT COLLECTION AGENCIES AND 2 ANOTHER.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX  XXXX  inquiry fraudulent and unverifiable needs to be removed, XXXX XXXX XXXX fraudulent inquiry and unverifiable needs to be removed,
Complaint sub-issue: Reporting company used your report improperly

Equifax did not secure its network and now my financial information has been compromised. No aleet until weeks after an had to hear it from the news. Not sure why this company should even get my information and then tries to scam me with credit monitoring services.
Complaint sub-issue: Was not notified of investigation status or results

I XXXX have run out of patient waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I'm ready to filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. 

Much Appreciated XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax. I sent several disputes through XXXX Equifax. Confirmation XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I sent them between XXXX pm to XXXX pm eastern XX/XX/2022. This disputes were done by midnight. I disputed an address that begins with XXXX that was incorrect. They did remove that. How in the world did they verify all information as request during non business hours? Whatever findings is thus rendered a false investigation and was not thoroughly done. Federal law states in US Title 15 Chapter 14 Consumer Credit Protection Subchapter 3 Credit Reporting Agencies Section 1681i - Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please verify all entries, dates, and amounts if verified. Show me original the original documents. If not done properly, I already spoken with an attorney who is on standby.
Complaint sub-issue: Application denied

My name is XXXX XXXX, the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name XXXX XXXX and all other variations of such name/entity. Notice, it is a fact, affiant is aware, credit as defined in 15 U.S.Code 1602 ( f ), is the right granted by a creditor to defer payment of debt or to incur debt and defer its payment. In conjunction pursuant to 15 U.S. Code 1602 ( g ) creditor refers only to a person, meaning not the organization but only a natural person, meaning I, the affiant and the consumer, who regularly extends consumer credit, in connection with loans, sales, property or services payable by agreement which a finance charge may or may not be required or the natural person whom the debt arising from the consumer credit transaction which may be payable on the face of the evidence of indebtedness such as a contract or by agreement. It is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ). Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by Discover, as seen in Exhibit A, violating 15 U.S.Code 1691 ( a ) ( 3 ). I was denied credit in this consumer credit transaction, which is an adverse action and in violation of USC 1691 ( d ) ( 6 ). Discover can not send me an adverse action and I have already completed the transaction when I did the credit application. This is aggravated identity theft because they took my business application and entered me into a consumer credit transaction ( knowingly took my business credit application and opened up a checking account without my permission ).
Complaint sub-issue: Information belongs to someone else

on my XXXX XXXX account it shows that i applied for a home mortgage loan also a credit card through Elan Financial Services on XX/XX/XXXX. The credit card is showing up as a hard inquiry. I have not applied for either one of these
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

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 a account without my written instructions
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I was charged {$1100.00} for the purchase of a computer by the XXXX XXXX ( XXXX XXXX ). I subsequently returned the computer for a full refund. On XX/XX/XXXX I was credited an incorrect amount of {$1100.00} by my credit card company and bank, U S Bank. I spoke with the merchant on the morning of XX/XX/XXXX, and they advised me that they had refunded the entire amount of {$1100.00}. US Bank has been unable to resolve this issue. I am requesting that U S Bank Credit Card Services issue a corrected refund in the amount of {$1100.00}. U S Bank has not been able to remedy this situation after forty-five minutes spent on the phone with their customer service department. I appreciate your assistance.
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see the attch U S DEPT OF ED/XXXX/XXXX Past Due Amount : {$5600.00} XXXX XXXX XXXX  XXXX Past Due Amount : {$2100.00} XXXX XXXX XXXX  XXXX Past Due Amount : {$950.00}
Complaint sub-issue: Transaction was not authorized

Starting back in XXXX of last year I started noticing that there were transactions with my card that I did not do so I proceeded to check my wallet and that's when I noticed that it was an old card in my wallet and not my current one someone had changed out cards. When I tried to log into my online account again I was not able to someone had gotten into my account and changed my password and security questions. Since then it has been an ongoing thing from month to month that someone has taken funds out of my account without my approval. i have tried replacing my card several times being charged to expedite it every time to no avail. When I contacted XXXX XXXX about it to report the identity theft they said they would investigate it but always dropped the investigation on grounds that they said it was conflicting issues. They did reimburse me a few times where in return those funds were taken out of my account via IVR Transfers.
Complaint sub-issue: Fees charged for closing account

On   XXXX   XXXX    2017, I clos ed a CD with US Bank.   The balance was {$120000.00} plus interest accrued since the last interest remittance. It had been renewed in  XXXX , paying   XXXX  %   (    XXXX   XXXX   XXXX   percent ) or {$46.00} per month. All interest payments were calculated on a daily basis, with a monthly distribution.     As part of the redemption, I was charged {$1200 .00},   XXXX   % (   XXXX  percent ) of the face value, along with a processing fee of {$25.00}. I was told that was US Bank 's policy, with no documentation provided to prove they had specified this when the CD was opened.
    I believe this charge is excessive and should have been for no more than a  XXXX  month period  at   XXXX   % or a pproximately {$140.00}.
Lastly, this account was created on my behalf by my uncles who were in their   XXXX  . If these were the terms, it is obvious that US Bank took advantage of their advanced years and failed to disclose.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly an account where I am shown as an Authorized User on XXXX  XXXX - part account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Complaint sub-issue: Debt is not yours

Description of Problem : This lender has charged of my credit card account even though they have written this amount off on their taxes. This lender is trying to obtain money that they have already wrote off as an gross income on their annual tax return to the IRS. Gross Income should not be reported on my consumer report. The IRS defines a charge off or canceled debt as gross income. They are criminally and civilly liable for trying to attempt to collect money from me that they have already reported to the federal government as an income. Also, according to IRS I Submit Pagewas supposed to receive a XXXX C from and never received aXXXX C form from the lender since the amount of debt canceled was over {$600.00}. Description of Problem : Amount Owed : {$3200.00} Date : Violations Broken : 15 USC Code 1681 s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Complaint sub-issue: Problem getting your free annual credit report

Please refer to my complaints XXXX, XXXX, and XXXX. They're all for the same issue that has not been addressed by Equifax. For each of the past seven years they have failed to provide me with my free annual credit report, as required by law, without making me first jump through hoops that seem designed to deter me from requesting the report. Rather than providing my report online, as the other credit reporting agencies do, Equifax requires me to print and mail a hard copy of a " valid document that shows your name, current address and complete social security number '' to them. I have provided this information to them as requested, in XXXX and again as requested in XXXX. They were able to verify and send my reports to me at those times. It seems unlikely that they simply forgot to update their system with this information each year. This year, in XXXX, in response to my earlier complaints ( referenced above ) they finally mailed my report to me, without my sending them anything. It seems they actually are able to verify my identity when they want to, so there is no need to require me to mail them anything.
Complaint sub-issue: Information belongs to someone else

There are items on my credit report that aren't mine that are listed in the report attached.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX - XXXX did a XXXX  credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX  credit check on XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX did a XXXX  credit check on XX/XX/XXXX XXXX XXXX did a XXXX  credit check on XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Inadequate help over the phone

Hello, For the past two years, Equifax has not been receiving or updating my credit file with my account information. Accounts that I had for years are showing up as basically being inactive, even though they are very much active. I have called Equifax on several occasions and submitted online disputes, but this has not helped. I have no collections or missed payments on my reports for the XXXX bureaus. And while I have excellent credit scores with both XXXX and XXXX, Equifax consistently has me almost XXXX points lower because they have not updated most of my information from my creditors in years and they do not show many of the new accounts I 've had over the past 4 years. In fact, nany of my Equifax accounts show that they have not been updated since XX/XX/2011. They also show my current address as one which I had 3 years ago. My current address is XXXX XXXX XXXX, XXXX XXXX, MI XXXX. They asked me to send in my license to prove this. I did it several times and they still never updated my file to this. My Equifax dispute number is XXXX, and I am attaching a report I received from them this week.
Complaint sub-issue: Old information reappears or never goes away

Veros credit should have been removed from my credit two years ago. This debt is more than seven years old. It is incorrectly reporting on my credit. The last payment was made in XXXX. This debt has been removed from the persons credit I have co signed for. I do not understand why it is still reporting on my credit.