Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

Our Family lived at the The XXXX  XXXX  XXXX in XXXX NC located at XXXX XXXX XXXX, XXXX, NC XXXX, P : XXXX, XXXX. We lived there for 2 years and 3 months. Upon move out on XX/XX/XXXX they tried to create an invalid debt. They manufactured charges and would not provide proof. They then sent the debt to a collection agency a few days after we moved out. No Validation of Debt letter was sent. The collection agency, Hunter Warfield, XXXX, continually called and did not provide a validation of debt or allow us to dispute. We called the Apartment Management to dispute and they agreed the fees were in error. We requested validation of the debt and they declined to provide. They said the letter was sent but couldn't provide me a copy or an email version. I asked for proof of the charges, documentation for their claim. They declined to provide. 

I am able to provide complete photos of the apartment timed stamped on move out day as well as video showing the apartment was in great condition.
Complaint sub-issue: Information is missing that should be on the report

The account is showing as charged off bad debt and I haven't heard from them or received any information to be able to make arrangements. It does not have my address on there and so I'm not sure they would even contact me.
Complaint sub-issue: Information belongs to someone else

While I was reviewing my credit report, I saw an account that is reporting on my credit file but it is false. I do not have any debt with this company, and I have no knowledge of this account. I believe this is some sort of fraud because this account does not even have any relations to any accounts I have approved. The other two Credit Bureaus XXXX XX/XX/XXXXXXXX have already fixed this fraud/error and removed the account. Please investigate this issue because it is stopping me from gaining any new credit! This account is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

In accordance with the Fair Credit Reporting Act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and # XXXX XXXX XXXX XXXX has violated my rights. 

According to the laws : 15 U.S.C 1681 section 602A states that I have the right to privacy. Also 15 U.S.C 1681 section 602A section 2, states a consumer reporting agency can not furnish an account without my written instructions or consent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to XXXX XXXX  XXXX showroom on XX/XX/XXXX to purchase a car! I had a pre-approved load from XXXX. The Finance manager in the showroom told me that he can offer me the same interest rate from XXXX and insisted me to take the loan from them as the documentation process will be done right away! He asked me to provide my details and gave the details to him and told him that I approve only 1 hard enquiry on my credit report and will not accept multiple hard enquiries as I already have a pre-approved loan. 

I have been deceived and I see 6 hard enquiries on my report which I have not approved. 

XXXX - Unauthorized hard enquiries XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX Equifax - Unauthorized hard enquiries XXXX XXXX - XX/XX/XXXX Please do the needful!
Complaint sub-issue: Problem with fees

I have a Citi Costco Visa card for several years. My family pays for our expenses with the Citi Costco card and we pay the full amount due on the due date which is the XXXX. day of each month. While I always check for charges on my card I had no reasons to check for late fees and interest charges because I pay in full on the due date. 
However it turns out they have been charging me for late fees and interest for several months now, when I called to inquire I was told that I make my full payment after the XXXX XXXX Standard time, therefore I get charged for late fees and interests. I live in XXXX, I make money, in XXXX, I spent money in XXXX  and I make payments in XXXX  but I if pay this account in full after XXXX in XXXX  XXXX I'm late and need to pay more. Citi bank has brunches in XXXX  and is not and online bank and must extend the courtesy to XXXX to pay their bills by XXXX  times but apparently that is not the case. I called and was able to get some refund for them but not the full amount which I feel like I'm entitled to. Below please see the dates and charges : XX/XX/XXXX, full payment was made but was recorded on XX/XX/XXXX, {$29.00} late fee and {$92.00} interest was charged on XX/XX/XXXX. 
On XX/XX/XXXX, full amount was paid, no XX/XX/XXXX, {$60.00} interest was charge, no late fee this time. 
On XX/XX/XXXX, full payment was made, on XX/XX/XXXX, {$110.00} interest was charged no pay fees. 
On XX/XX/XXXX, full payment was made and was recorded but XX/XX/XXXX, {$95.00} interested was charged. 
On XX/XX/XXXX, full payment was made, it was record on XX/XX/XXXX, and interest of {$110.00} was charged on XX/XX/XXXX with a late fee of {$40.00}. 
On XX/XX/XXXX, full payment was made but the interest charge for {$95.00} was charged on XX/XX/XXXX. 
So far in XXXX they have charged me {$69.00} for late fee and {$560.00} interest. 
I called and spoke to their customer service on XX/XX/XXXX and was able to get {$40.00} refund for late fee charged on XX/XX/XXXX and {$200.00} for interest charges. 
I'm making the complaint because I think I'm entitled to a full refund for late fee of {$29.00} and the remaining {$350.00} interest they charged. Please help.
Complaint sub-issue: Old information reappears or never goes away

This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX XXXX. The account was removed from my transunion report but not my equifax. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.
Complaint sub-issue: Account information incorrect

I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A XXXX XXXX I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody
Complaint sub-issue: Account status incorrect

This is now the 2nd time I have had to report inconsistencies from AES based on the actual balance of an account and my personal Credit Report. AES has yet to resolve the inaccuracy. Failing to correct this may result in a Civil Complaint being filed against AES for failing to provide accurate reporting to the Credit Bureaus. This is a serious concern when inaccurate information is either withheld, purposely falsified, or intentionally changed inaccurately or left unchanged inaccurately. 

As of XX/XX/2020, the Report is now 5 days inaccurate as a recent payment was established and resolved any delinquency on XX/XX/2020. Please make every coordinated effort to provide factual information to the Credit Bureaus, as this information is not correct, notwithstanding, this inappropriate series of inaccuracies justifies litigated action on my part, and AES risks that possibility.
Complaint sub-issue: Information belongs to someone else

This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$97.00} ; XXXX  XXXX Balance : {$53.00} ; XXXX  XXXX Balance : {$76.00} ; XXXX  XXXX Balance : {$71.00} ; XXXX  XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00}
Complaint sub-issue: Was not notified of investigation status or results

I sent a Certified Dispute LetteXXXX to Equifax XXXX XXXX # XXXX XXXX and it was received on XXXX XXXX XXXX XXXX days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Today on XXXX, myself and my partner both received threatening voicemail messages from an XXXX XXXX, who was retained to deliver notarized legal documents at my residence or work place on XXXX. If he is unable to obtain a signature, the documents will be turned over to the legal department of my county, where legal action will be brought against me. He left a number of XXXX. Regarding file number XXXX. I attempted to call and gain information regarding this debt, which they described as an attempt to collect on a best buy credit card debt that was previously sent to collections. This debt was settled, and paid in full, on XXXX with XXXX XXXX XXXX, which I have a letter from, stating that my account is now satisfied. This debt has paid in full, which no longer can be collected on, even though multiple attempts have been made. Once learning about this information, I tried to call back and get information about this company, such as their mailing address and name of their organization, only to be hung up on numerous times. Eventually my number was blocked, so I used a separate line to obtain the information that I needed to submit a complaint. I spoke with XXXX XXXX on XXXX to obtain the company name of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX at XXXX. I wish that a cease and desist be brought against this company, and any others associated with this false debt, as my account has been previously paid in full. If this company, or others associated with them, continue to harass me I am left with no choice other than to bring legal action against them. This company also contacted numerous members of my family, which has also been caused unneeded stress for my family members. This has also come during a very trying time, during the COVID-19 pandemic, which has lead to unnecessary stress on me, my family, and others. I'm concerned about my mental and physical health, with the undue stress that this matter has caused. This cease and desist order, against XXXX XXXX XXXX, was issued to be effective immediately on XXXX.
Complaint sub-issue: Received bad information about my loan

I began paying Student loans in XXXX XXXX. Beginning Balance was XXXX @ interest rate of 6.55 %. Have made all payments required by the U. S. Department of Education through XXXX, XXXX. At that time I was informed that my loans were transferred from XXXX to MOHELA, another U.S. Dept. of Education loan servicer. Automatic debit to my checking account has continued on the XXXX of each month to the present. I calculate that I have paid more than enough interest during this 4.5 year period to reduce my principal. Instead, MOHELA says my principal balance has increased to {$36000.00} as of XXXX/XXXX/XXXX. So while I thought my principal balance was being reduced each month, my principal balance was increase by {$4600.00}. I can not determine how this is possible from the XXXX website, or from my conversation with their HELP line. All Loans were for a degrees at XXXX in XXXX, KS
Complaint sub-issue: Information belongs to someone else

Equifax reporting fraudulent information on my credit file ... Items were removed in XX/XX/XXXX and returned with no explanation or validation of the fraudulent accounts after I've disputed multiple times and asked for validation with no response from Equifax on XXXX accounts that have been disputed multiple times ... XXXX XXXX account {$11000.00} # XXXX XX/XX/XXXX was deleted from my file and returned twice on Equifax 2 times between XX/XX/XXXX and XX/XX/XXXX. The file isn't reporting per Equifax so it needs so be deleted. XXXX is under investigation for trying to collect and they're not licensed to collect. I've tried to reach out to XXXX as well and the number is disconnected, it's a fraudulent account and I want it removed from my credit report as it's hindering my life and making me unable to purchase my home. Equifax sent documentation stating it's not reporting on my file and it reported XX/XX/XXXX and again on XX/XX/XXXX. I also have a fraud alert on my credit file, I attached the documents from Equifax stating XXXX isn't reporting when it is. I want this fraudulent account removed now it's not mine I never had an account with this company or anyone affiliated with this company. Listed below are other fraudulent accounts I disputed multiple times and Equifax never responded to my disputes and I've been disputed these items since XX/XX/XXXX. I even sent in a police report to prove to them my wallet was stolen with all my personal information inside. XXXX # XXXX {$2100.00} XX/XX/XXXX fraud never purchased from this company. XXXX XXXX # XXXX {$960.00} XX/XX/XXXX fraud I don't even know who this is never had an account. XXXX XXXX # XXXX {$330.00} XX/XX/XXXX fraud never dealt with this company. XXXX XXXX # XXXX XXXX XX/XX/XXXX fraud not my account never had an account with this company. XXXX XXXX # XXXX {$12000.00} XX/XX/XXXX fraud not my account never done business with this company, this company is also under investigation for reporting false information and trying to collect on accounts that do not exist. Equifax has been reporting these fraudulent accounts over and over and no matter how many times I've disputed them and sent documents to prove identity theft they will not respond to my disputes. This unfair stressful and depressing and these items need to be removed asap. I have no contracts with any of these companies and never have one I have no knowledge of these fraudulent accounts as they are not mine and need to be removed indefinitely Equifax is the only company reporting these fraudulent accounts my file is clean on the other two bureaus.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Sallie Mae failed to provide an explanation and documentation regarding the dispute decision. 
According to the Federal Trade Commission, the following applies : If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. I am once again asking Sallie Mae to provide an explanation and validate the debt as the reported amount to the credit bureau is incorrect since I don't owe the two charges for {$640.00} and {$590.00}. 
Sallie Mae in their previous response to my complaint stated that the services were provided, I suggest that Sallie Mae reviews guidelines for Quality of goods and services as follows : Disputes about the quality of goods and services are not " billing errors, '' so the dispute procedure doesnt apply. However, if you have a problem with goods or services you paid for with a credit or charge card, you can take the same legal actions against the card issuer as you can take under state law against the seller. 
To take advantage of this protection, you must have made the purchase ( it must be for more than {$50.00} ) in your home state or within 100 miles of your current billing address and make a good faith effort to resolve the dispute with the seller first. 
. 
Since my canine suffered thermal injuries after the spay XXXX the services were not provided as agreed and I already tried in a good faith to resolve the issue with the merchant as stated previously, Sallie Mae is responsible for reversing the charges. 
Sallie Mae 's Advocate XXXX XXXX ID XXXX XXXX stated that I must provide a decision from the XXXX XXXX XXXX to finalize the dispute. The letter will be provided once a decision is available in writing. I do not consider the dispute to be closed and Sallie Mae should accept liability for any damages as they failed to investigate and resolve the dispute. 
Sallie Mae restricted my account unlawfully after I disputed the two charges and then demanded that I pay one of the charges in full despite the fact that I applied for a card with 0 % introductory APR on Purchases and Balance Transfer for 15 months, provide them with the three months bank statement and a copy of my ID. They also rejected my dispute before receiving the supporting documents. Now Sallie Mae also violates terms and conditions regarding the {$200.00} welcome bonus, stating that I am not entitled to it. 
Please refer to the attachments also from previous complaints against Sallie Mae
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/2021, i sent a letter to Equifax about these unauthorized inquires that i didn't authorized and its hurting my score and keeping me from getting things that i need.i sent it usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Debt resulted from identity theft

and XXXX cell phone account and a XXXX internet account was openened by my ex-spouse over a year ago without my consent
Complaint sub-issue: Investigation took more than 30 days

Hello, I mailed out dispute letters to all 3 bureaus to remove one account and I have received a response from them. My first letter went out XX/XX/2020 and I gave bureaus more than 60 days with no response. Second letter went out XX/XX/2020 and still no response. Please have them remove item from my credit report, as you see they even have non matching opening dates of account and non matching closing dates accross the board. This is a 2nd violation of false reporting according to Section 623
Complaint sub-issue: Problem with fees

US Bank is engaging is unfair and deceptive practices by purposely charging customers a late fee on their credit card when the online payment did not work as scheduled. I logged into my US Bank Account several weeks before the {$29.00} payment was due on XX/XX/2018. I thought I had scheduled the payment as that is what the online banking system displayed. However, I noticed on XX/XX/18 that the payment never went through and I was charged a {$27.00} late fee, which is ridiculous for a {$29.00} payment that was not made due to an error in US Bank 's Online Banking System. I made an online banking payment for my whole balance, minus the late fee, on XX/XX/18 and contacted Cardmember Service about waiving the late fee since there was an issue with the system and I've attempted to set up Autopay in the past without luck. Cardmember Service refused to waive the fee and hung up on me when I requested to speak to a  supervisor. 

This same situation occurred last year when I tried to make an online bill payment through their site but they claimed they never got it. They were supposed to help me set up autopay last year, but never did. US Bank is clearly engaging in unethical behavior and trying to scam their customers out of money.
Complaint sub-issue: Information belongs to someone else

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

I have attempted two times to reach to all 3 credit bureaus in regards to my account issue. I have multiple fraud inquires and some fraud posted to my credit report I've been working on this matter for 3 months and have not received proper response from the bureaus on this matter. The following accounts below are deemed fraud and need to be removed : XXXX : XX/XX/XXXX XXXX : XXXX XXXX  XXXX  : XXXX US DEPT ED : XXXX XXXXXXXX  : XXXX XXXX : XXXX US DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Problem getting report or credit score

I am not sure exactly what may have caused myself to have a hard time getting a background check or creating a credit karma account to keep track of my credit scores. I got married 5 years ago and have changed my maiden name to my married name on both social security card and passport. In the past couple of years that I have applied for employment, for some reason, the employers could not pull up and files on me for a background check. And now that I 'm trying to create an account with credit karma, it seems that the information I have provided them was invalid. I have tried both my maiden name and married name but nothing came up. Please, any help would be appreciated!
Complaint sub-issue: Problem getting my free annual report

I submitted a request for my free annual credit report to Equifax approximately 45-60 days ago and have not received my credit report in the mail, nor have I heard from the company. I have made this complaint previously ; the company contacted me and said the information I gave did not match their records. I have lived at my current address for over one year now and XXXX and XXXX both had no problems with their internal information and I received my credit reports from them with no issues. There is no reason why Equifax should not have the correct information on file considering my mailing address, bank information, credit and debit cards have all been under my current address since XXXX, 2015. Lenders and financial institutions rely on the information that Equifax manages, and they have not proactively corrected their mistake.