Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

In XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. I agreed to finance at a 20 % finance rate my finance charge being {$6200.00} and the amount financed being XXXX agreeing to pay a total of {$21000.00}. I paid {$2000.00} down and a total of payments of XXXX, which should have been {$19000.00}. XX/XX/XXXX, I had a loan modification which was to clear any past due amounts and start me fresh ending my loan still at 48  payments just increasing my loan payment to {$420.00}. In XX/XX/XXXX I made my 48th payment and I had paid a total of {$20000.00} not including the $ XXXX down. After my 48th payment Veros credit stated I still owed {$2900.00}. I asked why and they kept giving me different answers and they all didn't make sense. The main answer I was always given was that I had 4 deferments and I said yes but I paid all 4 payments that where deferred within my 48 payments. I escalated this to Veros Credit consumer complaints, stating I believe there was an error and my loan was paid. I was told by XXXX in consumer complaints that more than $ XXXX was put to my interest and I still owed on my Principle. I let them know that there must be a posting error and to please correct the error. I was told it would be investigated and that it will all get resolved. I was extremely concerned because collections kept stating they are going to repossess the truck and I had paid it off. XXXX reassured me Veros will not repossess the truck and that if anything they will extend my maturity date to allow the remaining balance to be paid, but I explained that will not be necessary because we can all see I have paid my loan in full. During this process within a week of my complaint my credit was attacked by Veros multiple times ( more than 3 times )  dropping my score over 250 points, which has to date not recovered. I emailed XXXX and he reassured me that this was an error, on the phone he said he had contacted the credit bureaus the day prior and requested to correct Veros error of attacking my credit. XXXX reassured my credit would be fixed twice. The second week of XX/XX/XXXX I received a letter from Veros stating they concluded that because I did not pay on time every time that I owed them now over {$3300.00} and that my maturity date has been moved to XX/XX/XXXX. On XX/XX/XXXX, less than two weeks of receiving their letter, Veros repossessed my vehicle and the reason was that I didn't pay the monies that I was addressing with consumer complaints. I contacted XXXX in Consumer complaints and now he is not being truthful about everything that he has told me in email and over the phone. My truck is gone now, and my goal is that this doesn't happen to anyone again. Veros Credit are thieves and need to hold accountable. I was prayed on due to having bad credit and now Veros has made it impossible for me to even get another vehicle. Not to mention my credit score is so low now. Please help me stop them from doing this to someone else. I of course wish I could get my vehicle back, but this doesn't look like it will happen. Please help me.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXXXXXX  I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Shot and slime this credit reporting company place a collections on my credit report on XX/XX/2021 the collections company is title Vance and Huffman I tired calling this company for over 3 days they have yet to answer the poke more can you get anyone and they never states what the collection is for I try my hardest to keep my credit right and hard working in my credit this company place this on my credit knocked my score down 15 points I need help to resolve this I have nothing on my credit or any collections please help
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from XXXX XXXX  ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/18. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called Equifax on XX/XX/18 to be told that they saw no such inquiry on my report. 
I can not even get through to XXXX. 
I called XXXX XXXX  and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call XXXX. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.
Complaint sub-issue: Account status incorrect

The account is open and current NOT CLOSED. Aldo the balance showing is incorrect. I am attaching the documents to reflect. The 1st attachment is the incorrect one and the 2nd is what should be reflected
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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: Information belongs to someone else

These accounts and inquires I am stating I had nothing to do with.
Complaint sub-issue: Reporting company used your report improperly

I have been sending letter since XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have not gotten a written statement on how it was verified/validated the Bankruptcy and all they say it was verified through XXXX. 
I believe I have given ample time to verify this information.
Complaint sub-issue: Old information reappears or never goes away

I have a delinquent notification on my credit report form Volkswagen Financial that states that I was 90 days late in XXXX-XXXX of XXXX. This account was closed and paid in full in XXXX of XXXX.
Complaint sub-issue: Account status incorrect

I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, Equifax and XXXX. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.
Complaint sub-issue: Card opened as result of identity theft or fraud

On approx. XX/XX/23, I was notified by my XXXX XXXX  company that someone had opened a credit card in my name at CITI bank. I contacted Citi and was told that they had stopped the issue of the card. I then contacted XXXX XXXX and they proceeded to take a report and have the new credit card canceled and my credit report updated as well. In the interim, I received a call from XXXX XXXX asking if I had recently tried to open a new account there. I told them no and they said they would take care the problem. I then had XXXX XXXX have the credit bureaus put a fraud flag on my account which would prevent anyone other than me from opening new accounts in my name. In addition, the same week the credit card issue happened, my bank account was hacked, and the bank stopped the requested transaction, and I was required to open a new account.
Complaint sub-issue: Can't use card to make purchases

I have had two CitiCard accounts since XX/XX/XXXX (Simplicity, Diamond Preferred) and one since XX/XX/XXXX (ThankYou Rewards).  It was brought to my attention this morning, only after logging in to my accounts, that I have XXXX credit available for purchases and XXXX credit limit listed on the accounts. I was not contacted by CitiCards regarding any changes to my accounts. I have paid CitiCards each and every month since opening these accounts, sometimes twice per month,  and have never been late with a payment. I was advised by CitiCards Client Services to reach out via fax for more information on this discrepancy.  I asked them to please contact me as soon as possible to discuss as this has caused a major disruption, or please provide a contact name and phone number to the person at The Office Of The President so I may reach out to discuss.I haven't received a response and customer service will not speak with me about the accounts.
Complaint sub-issue: Reporting company used your report improperly

In the summer of XXXX, hackers accessed Equifax 's system and compromised the personal credit information of over 100 million users. Equifax, failed to provide adequate cyber security throughout their computer system despite knowing the inherent value of the consumer information they possess. As demonstrated by the severity of this security breach, Equifax was absurdly negligent in properly securing the personal information of millions of consumers, and can no longer be trusted to act in the best interest of the American public. 

I am one of the victims of this breach. Equifax 's offer of one year of credit monitoring is a mere token of whats necessary to protect myslef. Equifaxs data breach is not something I can fix with a new password. For the rest of my life, I will need to watch my credit activity closely. I am XXXX, and I have family members currently in their XXXX. That means I will need to monitor my credit activity for the next 40 to 50 YEARS! 

Ironically, Equifax is happy to charge me for additional protective services, something I would not require if they had done their job adequately in the beginning. 

I demand that Equifax is stripped of their ability to provide credit reports in the future. Their negligence in this matter proves that they are simply unable to protect consumer data. Based on this breach, I do not believe any bank, other financial institution or business can safely rely on the reports that Equifax might produce in the future. Simply, Equifax can no longer be trusted. 

I further demand that Equifax provide a lifetime of credit monitoring for me and any other consumer who is likewise affected by the negligence of Equifax. Life-long credit monitoring - in reality - is the LEAST that Equifax should offer affected consumers. They were negligent, and they do n't appear to care the slightest about the people whose lives ' they have disrupted. They simply care about their financial stability, and how they can minimize the effect this breach will have on their profits.
Complaint sub-issue: Account terms

Equifax is reporting negative information in my file and I am disputing.
Complaint sub-issue: Funds not handled or disbursed as instructed

On Friday XX/XX/XXXX at XXXX I transferred {$500.00} via XXXX from my XXXX checking account to my Key Bank checking account as I have done several times in the past. I received an email confirmation from XXXX that the XXXX was successful and the {$500.00} was immediately taken from my XXXX account. I did not receive an email from Key stating that it had been received. I called Key Bank that morning and during my initial call a young lady first said that they have been having some issue with XXXX that morning but after a very long hold time she said that she saw no XXXX transfer and that my issue had nothing to do with the issue they were having that morning. She instructed me to go back to XXXX. I called XXXX and they told me they have confirmation that it was sent and accepted by Key Bank and to go back to them. After multiple calls back and forth between the two banks and several hours of phone calls, long hold times and different departments I was told to " wait and see if it shows up in a few days ''. Today is Monday and I still have no record of my {$500.00} other than the receipt showing it was sent from XXXX XXXX. I also called XXXX but was told it had to be resolved between the banks. Can please please someone help me???
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went into a store ( XXXX ) to make a purchase via debit card. The clerk stated that the card swipe didn't work. She then asked me to take my debit out and also give her my ID to verify that it was my card, she then began typing into their system. I told her that I didn't want any promotional items, text or phone calls. She did ask before the transaction if I wanted a credit card, my answer was no because I no longer use individual store cards - only majors. 
After leaving the store I learned that she used my ID to get my social and address to apply for a credit card. I DID NOT REQUEST THIS! I phone the district manager who has spoken with me a week ago and has not followed up. When I spoke to that exact store clerk, she stated that just by making a payment with a debit card their machines automatically run credit. I know this to be false and misleading - that was the 2nd time she misrepresented herself and lied. Now I have a hard inquiry from them whereas I did not request any card. I never gave her my social - she had to use my date of birth and address.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a claims with XXXX XXXX and CITI XXXX to resolve a Disputete regarding a seller who made a claim for payment through XXXX XXXX  for services or products that were not provided. In addition the seller misrepresented themselves as technical experts in the use of XXXX products. 

The facts of this claim are that on XX/XX/2020, I made a XXXX search for " XXXX XXXX Support '' resulting in the first response being an offer of expert technical support. I called the phone number provided, XXXX that was answered by a female person named " XXXX '' who stated that could provide assistance upon verification of my identity. " XXXX '' stated that it would be necessary to verify my identity by means of a XXXX XXXX  transaction. I questioned this transaction and she assured me that there would not be any charges made to me as a result of this process. She walked me through through the transaction setting that I needed to use the " XXXX identification code of XXXX '' in the transaction to complete the identification process. I asked her again if any charges would be made to me and she stated that this was a " dummy '' transaction and " no charges would be made. '' I began to explain the technical problems I was having and she could not understand what I was saying. I heard loud background noise and " XXXX '' said I should call her back on her direct line of " XXXX. '' I became suspicious and after hanging up tried to call her back, however, there was not answer at that number. 

At this point I felt that the conversation with " XXXX '' might not be legitimate and I called the CITI customer service at " XXXX '' to report a possible fraud. I was that two transactions had posted XXXX account in the the amount of {$510.00}. I promptly disputed this and was told to wait until the CITI statement period to further continue the dispute. I followed up with two more calls to CITIto make sure that the dispute had been filed. CITI advised me to close the credit card used for the transaction and they would issue a replacement. I followed up calling the seller and found that there telephone numbers Was given were no longer working. I obtained the name of the seller from XXXX XXXX  as " XXXX XXXX '' and have not been able to locate them. I also look at my XXXX XXXX  account and the sequence of events regarding the transaction showing that XXXX XXXX  sent emails to the seller ( XXXX XXXX ) and did not receive a response. 

The bottom line is that this seller did not provide any services or products, never quoted any pricing, and misrepresented themselves as " XXXX XXXX experts. '' I have talked to CITI XXXX several times and they have replied that there is nothing they can do except charge my account, which they have done even though they were notified immediately of the suspected fraud. CITI stated that in cases of " scams '' there is nothing they can do.
Complaint sub-issue: Problem using a debit or ATM card

Hi Sir/ Madam, I am a victim of Romance Scam.. When I doubt already that I am being scam I stop sending money to the guy and later on he admitted that the picture is not his pictures.. so I called the FBI and FBI agent told me to file a complaint to IC3. gov and the FBI lady told me to call your bank and they will return your money back The real name of scammer is XXXX XXXX claiming to be XXXX XXXX a police officer in PA, USA We plan to get married and buy a house a modular home.. so he said he will put money there and I put money also in the modular home so I sent money through XXXX claiming to be his uncle XXXX XXXX XXXX and Aunt XXXX XXXX actually the one for XXXX XXXX he did that transaction which is the amount of {$1900.00} through XXXX coz I trust him already coz we are about to get married the date of that transaction is XX/XX/XXXX, XXXX I filed a dispute with Citibank but they never help me to return my money back.. The other transactions are XX/XX/2020 XXXX transaction to XXXX XXXX XXXX amount {$1500.00} also XX/XX/2020 XXXX XXXX XXXX amount {$2500.00} then XX/XX/2020 XXXX XXXX XXXX also {$2500.00} and lastly XX/XX/2020 amount {$2500.00} Total of {$10000.00} for 5 XXXX transactions, Claim # is XXXX Actually they gave me a temporary credit for this 5 transactions but they reversed the transactions because when XXXX the investigator called me I am not available so I tried to call back several times I cant get hold of XXXX but somebody called me in XXXX dispute department when I answered it he doesnt want to talk I said I know it is from Citibank XXXX dispute because I add that phone to my contact list.. I keep saying Hello are you there? but he hang up the phone after he called me.. it might be XXXX from XXXX dispute an investigator but I not sure but I am pretty sure from XXXX dispute department because it showed on recents calls that from XXXX dispute department and I called Citibank again and refilled again but unfortunately they dont want to help me return my money back.. The date that I refilled the XXXX disputes was XX/XX/XXXX, XXXX but I have no luck to return my money back with the help of Citibank.
Complaint sub-issue: Talked to a third party about my debt

XXXX school. this is online school. i did not provide my social security number to this school when i registered online.. i do n't know why they have my all information. this school send me to the XXXX company ( USCB CORPORATION ) Collect. i have already talk to them i need close my account. and it show me on the credit report .They keep billing me all the time. I stopped paying them my hard working money, and wasting my time since i went to university.
Complaint sub-issue: Personal information incorrect

My identity was stolen and now I have multiple hard inquirys on my credit report that was not authorized. Its affecting my credit big time.
Complaint sub-issue: Reporting company used your report improperly

Equifax, during XXXX 2017, exposed PII including my Social Security number, to an undisclosed third party through improper security protocols. As a result, my information has been stolen and is available to one or more parties looking to use this information improperly.
My SSN ( as you may know ) is perhaps the most valuable number associated with me as a person, financially at least. As a direct consequence of the mishandling of my information by Equifax, and their decision to delay notifying me of this incident, my identity is at an unacceptable risk of being stolen. 

Coupled with information like my drivers license number, birthday, full name, address, etc. Equifax has put me in a position where I have no choice but to monitor my credit constantly for the rest of my life, and also enact a security freeze, permanently.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. They list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15USC 1681. 

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 XXXXXXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of conviction of crimes which antedates the report by more than seven year.

15 U. S.C 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate.
Complaint sub-issue: Debt was paid

I received a letter stating I owed them for a cable bill I send XXXX return receipt letter requesting validation as required by the Fair Debt Collection Practices Act they never responded sending a letter providing proof that the debt is legitimate that they provide proof that the debt is legitimate, that you are the person who legally owes the debt and that the collector has the right to collect the debt. they then placed a collection notice on my credit report with-out verification of the dept and after I let them know it was n't mine.
Complaint sub-issue: Reporting company used your report improperly

I am on the list of potential identity theft victims in the latest Equifax hack. I became aware of this through social media, and was not contacted by Equifax directly. They became aware of the incident on XXXX XXXX, and I just became aware on XXXX XXXX. There is absolutely no reason we should not have been made aware of this considerably sooner, as now I ( and many others ) have to go back and make sure that my account information has not been compromised and no illegitimate accounts have been opened in my name.