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

I recently went into my account to try and figure out why my balance is still so high after paying on this loan for 17 years. I see the initial balance at {$6500.00} on XX/XX/XXXX. On XX/XX/XXXX, it appears that I consolidated my loans with an ending balance of {$7100.00}. The history from XX/XX/XXXX thru XX/XX/XXXX is missing ( which I requested from AES, but never received ). My loan was transferred to AES on XX/XX/XXXX and now showing a balance of {$9900.00}. I did not take out any additional student loans at this time and do not understand how the balance increased by {$2700.00}. I 'm also certain that I made payments during this time, so this could n't be from accrued interest due to forbearance, but I have no way to confirm this since the history is missing. Going into the history details, it shows that I had an Unsub loan with an original balance of {$11000.00} with XXXX and a Sub loan with an original balance of {$2100.00}. This is obviously incorrect as you can see from the attached that my original total balance with XXXX was {$6500.00}, NOT {$13000.00}. Additional payment summary information shows that I 've paid a total of {$14000.00} in principal over the life of this loan. I was able to get a copy of my billing summary from XXXX along with my transcript that will show that I never took out student loans resulting in {$13000.00} in debt. I appreciate any assistance you can provide in helping me straighten this out.
Complaint sub-issue: Information belongs to someone else

I have disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!
Complaint sub-issue: Unable to open an account

I filled out an online application for a new checking account after receiving numerous direct mail advertisements from Citibank. On XX/XX/XXXX I completed application # XXXX. The application, in addition to personal questions, requested information on how I would fund the new checking account. I gave another checking account with the routing number as well as the requested password to my XXXX XXXX XXXX checking account as it requested. I have now called the XXXX phone number I was given after completing the application 3 times. All I am told is that a letter was mailed on XX/XX/2019. I have requested a manager on my second call and the call was disconnected after a 10 minute hold, and then I called back a few days later and someone told me a manager would call me back within XXXX hours. This never happened either. Today I called and again was told that they are unable to share anything related to the application and that a letter was mailed on XX/XX/2019. I have not received this letter as of XX/XX/2019 and explained that they still have my XXXX checking account information and that I am no longer comfortable with them having this information being as they are unwilling to assist any of my reasonable request to understand what is going on with my application.. At this point I need someone who can communicate what is going on to contact me from Citibank so I can withdrawal my application.
Complaint sub-issue: Information belongs to someone else

I found inquires that are total fraud. I found absolutely unknown inquires in my own credit profile. I do not want to have these inquires because they are not mine. Could you please help me to figure out who used my personal data and filed these items? Of course I would like to get rid of them and if you remove them after your check I would be very grateful.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I submitted a complaint due to the fact that my original dispute with XXXX was being ignored since my original dispute date of XXXX XXXX. It took over 90 days for them to respond to my dispute, which should have resulted in the disputed inaccurate items being deleted from my consumer report permanently. However, the accounts are still on my report with no document evidence from the investigation that was made. An investigative report should be done with personal interviews and Equifiax FAILED to accurately investigate the accounts and provide the document evidence from the investigation. I need these inaccurate and unauthorized accounts removed from my credit file IMMEDIATELY because it is hurting my chances with getting a mortgage, which is help ruin the banking system which in turn ruins the economy!
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX I was made aware that XXXX XXXX had reported XXXX separate late payments on my credit report from XXXX & XX/XX/XXXX and XX/XX/XXXX. This mistake led to me having to call the company several times over the course of 3 days from XX/XX/XXXX, up until XX/XX/XXXX, in an attempt to have them correct their error, an error which also led to my credit score reflecting an inaccurate number.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I get a call almost every hour of the day. And was told my credit score will go down if I do not pay.
Complaint sub-issue: Billing problem

I wanted to pay off my car loan which had an outstanding balance of {$8200.00} from my XXXX XXXX checking account so I logged into my US Bank website portal to do so on XX/XX/2022. The website told me in order to process a full payoff I needed to call their customer service number, which I did same day. After navigating through numerous automated menus, I was finally able to speak with a representative who told me that I could not pay off my loan in full and close my account unless I have a US Bank account. I asked how this is possible since they have been withdrawing my monthly payment of {$380.00} every month from my XXXX XXXX checking account on file for the last two years to pay off this loan. The representative said this was US Bank policy and that the only thing she could do was provide me the current loan payoff amount and address to mail a check to, and turn off my current autodraft from my bank. I said fine, i guess we will do that, but this does not seem right as interest accrues daily and so by the time the check gets to their payment processing center, the loan balance will be higher and i will still have a small balance left on my loan. I believe this is a predatory practice by US Bank to prevent their customers from paying off their loans in full, and forcing them to pay additional interest unless they open a bank account with them. This seems highly unethical to me and i believe warrants further investigation into US Bank 's loan practices. The way it is currently set up, my only choice is to mail a check to them to pay off the loan, and then i will need to follow up with them in a few weeks to verify that my account is closed out and additional interest is being charged. If I have a bank on file with US Bank I have been making payments out of, I have money available in the same bank account to pay off the loan, I should be able to do so online or over the phone all at once. Again, I believe this is a predatory practice by US Bank to prevent its loan holders from fully paying off their loans so that they can charge additional interest, and warrants further investigation and hopefully penalties for US Bank
Complaint sub-issue: Information belongs to someone else

I was a victim of identity fraud. I filed a police report and was told all bureaus would remove the trade-line. As of today only XXXX XXXX has removed the account. I am in the middle of buying a home and this will effect my loan amount and the rate! 
CREDITOR - ALERT! XXXX XXXX XXXX OF XXXX DATE OPENED XXXX LAST DT REPORTED XXXX ACCOUNT TYPE Installment ECOA  Indv. 
HIGH CREDIT XXXX BALANCE XXXX PAST DUE AMOUNT XXXX CURRENT RATING 9 DATE LAST ACTIVE XXXX PAY PATTERN 999999999999999999 9999999 PAY PATTERN START DATE XXXX ADVERSE DATES XXXX XXXX XXXX XXXX XXXX SOURCE XPN EFX MONTHLY PAYMENT TERMS 72 MONTHLY MONTHS REVIEWED XXXX XXXX LOAN TYPE : Automobile HIT   LEVEL : B-XPN-01 B-EFX-01 COMMENTS : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE ; LAST REPORTED DELINQUENCIES : XXXX ; DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/2018 ; FIXED RATE ; CHARGED OFF ACCOUNT ; UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ; TRANSFERRED TO XXXX  ; ADVERSE DATES LEGEND : R=MOST RECENT H=HIGHEST P=PRIOR
Complaint sub-issue: Account status

I have disputed this information with all XXXX credit bureaus to no avail. I have even supplied information from the acutal creditor stating that the account is closed and to remove it. The Credit Bureaus will not update and correct my reports.
Complaint sub-issue: Received marketing offer after opted out

I agreed to just applying to see if they would accept me on getting a sears card, ( I did n't know any better ) which I was declined ( rejected ) therefore I figured it was for the best and left it alone. I did my checking and came to find out it shows up as a hard inquiry affecting my credit score. Even after been rejected and never applying again.
Complaint sub-issue: Transaction was not authorized

My business checking account with US Bank had 2 disputed charges from the same merchant, the first charge was handled properly but the 2nd charge was not handled properly by US Bank ( they submitted the dispute incorrectly and kept closing it for reasons that had nothing to do with the dispute ) and now they are refusing to do anything further on it. After numerous phone calls, speaking with supervisors etc they are stating they are past their timeline to do anything further. I have advised the 2nd dispute was not handled properly from the beginning by their side they need to resolve the issue. They refuse, citing they are past the time line where they can do that. I have given them ample opportunity to resolve the issue and they refuse.
Complaint sub-issue: Banking errors

- I opened a Citibank interest checking account using the {$300.00} bonus offer promotion  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ).    - In compliance with the offer, I made a deposit of {$15000.00} on  XXXX / XXXX / 2017 , and also completed the direct deposit requirements.   - According to the terms, the bonus should have posted within 90 days of completing the offer requirements (  XXXX  ) - However, they asked me for additional tax documentatio n (   XXXX   )  on  XXXX   XXXX , even though I had provided all the necessary information with my application. I submitted the tax documentation on  XXXX   XXXX  which was delivered on  XXXX   XXXX , but I still have not received the {$300.00} bonus in compliance with the offer.
Complaint sub-issue: Problem with balance transfer

i had a Cash App card had XXXX deposited someone tried taking out XXXX i was not aware of. Cash app locked my account on XX/XX/XXXX. i closed or old card got a new one they said everything would carry over, it did not happen. I after month and a half after sending at least 75 E-MAILS because they have no phone support a XXXX said they are working on it and four days ago a XXXX at cash app asked for all my info to merge accounts now they are not responding to me at all. i had to goto XXXX too get an actual response. i am in such a mess because of then holding my money what it seems like HOSTAGE and i see I'm not the only one. PLEASE HELP ME
Complaint sub-issue: Information belongs to someone else

Given that Equifax is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Equifax clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove 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: Problem getting your free annual credit report

I tried to get my free online credit report from XXXX XXXX XXXX for Equifax on XXXX/XXXX/2017. When the report results were requested the site said, " Online reports not available ''. I do not want to receive this report through the mail and do not want to send the identity verification which included my SSN through the mail. Do I now not get a free report from Equifax if I do n't order it through the mail ... .no options are given to undo the request?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard inquires are reporting on my credit that I did not authorize.
Complaint sub-issue: Problem getting your free annual credit report

IN REGARDS TO EQUIFAX : XXXX. XXXX XXXX XXXX GA XXXX, XXXX  : XXXX. XXXX XXXX XXXX TX XXXX, XXXX  XXXX. XXXX XXXX XXXX, PA XXXX I'M TRULY APPALLED ON HOW 3 CREDIT BUREAUS ESPECIALLY EQUIFAX HAS BEEN CONDUCTING THEIR INVESTIGATION PROCESS AND THEIR VALDIATION AND VERIFICATION PROCESS AS WELL. I NOTICED THAT I HD BEEN A VICTIM OF IDENTITY THEFT DUE THO THE EQUIFAX BREACH OF DATA AND HAVE BEEN TRYING TO CORRECT SOME ISSUES THROUGH THE AGENCY, BUT I KEEP GETTING PUSH BACK FROM THEM WHEN IM CLEARLY TITLED TO A FREE ANNUAL CREDIT REPORT OF 12 MONTHS. NOT THE CASE HERE I FOUND THAT EQUIFAX HAS MY SOCIAL SECURITY NUMBER WRONG LINKED TO SOMEONE ELSES AND THEY REFUSE TO SEND ME A COPY OF MY FULL REPORT. I CALLED IN AN VERIFIED AS WELL AS SENT LETTERS CERTIFIED AND FAXED OVER DOCUMENTATION PROVING THAT, I AM WHO I SAY I AM. I PROVIDED A COPY OF MY LICENSE AND SOCIAL SECURITY CARD AS WELL AS A COPY OF MY BANK STATEMENT FOR EXTRA PROOF MY ADDRESS. I PROVIDED THIS NOW TO A BUREAU THAT HAS FRIVIOULOUSLY HANDLED DISPUTES AND MILLIONS OF AMERICANS PERSONAL INFORMATION. ONCE I FOUND OUT THAT MY SOCIAL SECURITY NUMBER WAS INCORRECT I IMMEDIATELY CALLED TALKED A REPRESENTATIVE AT EQUIFAX THAT STATED IN ORDER FOR ME TO GET MY FULL CREDIT REPORT I MUST FAX OVER MY W2 TO PROVE WHO I AM. 
HELLO WHAT THE XXXX IS A COPY OF MY LICENSE AND SOCIAL SECURTIY CARD FOR? I'M LOST FOR WORDS AND SOMETHING NEEDS TO BE DONE ABOUT THESE BUREAUS MIXING UP PEOPLES INFORMATION AND REPORTING INACCURATELY TO SELL OUR INFORMATION TO MAKE A PROFIT OFF OF. I UNDERSTAND THE GAME THE BUREAUS PLAY WITH THE LENDERS AND CREDITORS, BUT AS A CONSUMER I HAVE MY RIGHTS. WHY WILL I FORK OVER MY W2 TO A BUREAU THAT HAS BEEN COMPROMISED. I THINK NOT. MY IDENTITY HAS ALREADY BEEN STOLEN IM TRYING TO REPAIR IT NOW WITH ALL THESE SCAMS GOING ON IN TODAY 'S WORLD WHO CAN YOU TRUST.
Complaint sub-issue: Other problem

I went over the limit on my credit card by mistake. I paid extra XXXX bucks added to my monthly payment of XXXX then I turned around and paid additonal XXXX to bring the account down. they keep charging me XXXX fee for something i already paid for causing my balance to go negative for more than amount owed. 
They also implemented automatic deduction, I never agreed to that. 
What they did is try to deduct {$60.00} 2x ( from which I already ) Paid. Since bank returned, because I called bank and refuse to pay what I already paid. Then they add an additonal XXXX buck to my credit limit because it looks like I didn't pay and each time I try work with these people, either, I'm discounted by them or have to hang out and wait for then to response. I just want the bogus XXXX removed from my credit line and deleted as it supposed to be, especially since I paid extra! These companies are rippig us off.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

In XXXX of XXXX my husband & I purchased a 5th wheel RV. At the time both of us were gainfully employed. Within months of this purchase my husband became very ill and was XXXX in XXXX for approx. 1 week. Upon discharge my husband was unable to continue working. As he was XXXX at the time, he was able to file for social security retirement benefits. His retirement income was approximately 70 % less than when he had been employed. As a result of this, we were no longer able to continue payments and we voluntarily surrendered vehicle to US Bank. US Bank took possession of the vehicle in XXXX of XXXX. In XXXX of XXXX, we did receive a statement that there was a balance of {$23000.00} due on the account. Since then, I may have received one or two notices about the amount owed, but we did not have anywhere near that amount to pay them. My husband passed away in XXXX of XXXX. On XX/XX/XXXX I received a summons that I was being sued by US Bank. I had received no notification of any intention to sue, nor any attempts to resolve debt. The last notice I received from them was probably in XXXX or XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello me and my wife traveled to XXXX XX/XX/XXXX to XX/XX/XXXX. We had purchased return home flights months before we went. At the end of XXXX is when the pandemic hit and the world was shutting down. Our return home flight was canceled, we would purchase another one and it would be canceled again, this happened several times. We finally found a flight on XXXX ( on Wednesday XX/XX/XXXX ) XXXX  had asked for our passport info. while booking these flights. This flight had a connection flight in XXXX, XXXX. When we got to the XXXX airport the next day ( Thursday XX/XX/XXXX ) for our flight, we were told we could not get on a flight to XXXX. XXXX closed its boarders to non-citizens on Monday XX/XX/XXXX. We tried getting help from XXXX  to get a refund or transfer the money to another flight with no help. We tried talking to the airlines directly with no help. We ended up getting a flight home with the help of the airport staff. Once we got home we filed a charge back with the credit card company that we used which was Citi. This was {$1900.00} in flights that we couldn't get on and XXXX was not helping and neither were the airlines. Citi gave us our money back but then took it back 2 months later. We kept the dispute open and spoke with someone about what a scam XXXX  is. There is even a XXXX   group about XXXX that I have looked to for answers, there are over XXXX members. We received a letter from Citi 3 months later saying that due to the time frame they are not able to help us and closed the case even though when we initially filed it was well within the 30 days. XXXX said that refunds could take up to 6 months. It's been well over that. XXXX is a terrible scam company and needs to be shut down. There are 2 issues here and I am asking for a charge-back due to non receipt of goods purchased and/or services. I would like to exercise section 75 of the Consumer Credit Act 1974 and get a charge-back in the amount of {$1900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

On XX/XX/22 I authorized Macy to debit my XXXX checking account to deduct XXXX for my Macy platinum card to make payment for a special 24 month special events purchase. I did not receive a statement through the mail and is due each month on the XXXX. XXXXXXXX XXXX checked with XXXX and they stated Macy had not debited my XXXX  account. I was on the phone for it seemed an hour and was transferred 3 times and put on hold a 4 th time to be transferred once again in which the special services rep said their is a credit issue in which he would transfer me to the credit department. I agreed to be transferred but I was disconnected on purpose. My credit score is XXXX and I do not this blunder by Macy to effect it. Furthermore, I will now be charged a late fee and to also Macy charged {$5.00} to make a phone payment which is unheard of. Please help by texting or by phone as to what I can do to or how you can help me to correct this matter before it rolls into a huge credit issue for me. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

They had 30 days to investigate the dispute. The 30 days are over so therefore they have to delete the information BY LAW.
Complaint sub-issue: Information belongs to someone else

Equifax XXXX XXXX refuses to block XXXX XXXX XXXX and XXXX XXXX from my account the fcra law states that they have 4 days to block these accounts from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I made a purchase on XX/XX/XXXXat Home Depot for a refrigerator for {$4100.00}, but included the incorrect delivery address. I called Home Depot to change it, but they said it couldn't be changed. It was suggested to cancel the order and place a new one with the correct delivery address. I wanted to used my Home Depot Credit Card to get 0 % interest for 12 months. Since the first transaction was showing pending and my credit limit was {$5000.00}, I wasn't able to make the second purchase without calling the credit card company to cancel the pending charge. I did this the same day, XX/XX/ and then made a subsequent purchase for {$410000.00} on the same dayXX/XX/XXXX with my Home Depot Credit Card. Then a few days later, the initial charge went through on my credit card and put my over my credit limit. I called the credit card company and tried to correct the situation. They suggested calling Home Depot to cancel the transaction. I called Home Depot. They said to call the Credit Card Company. I called back to the Credit Card Company to file a Dispute. I filed the dispute and have a letter to say the dispute is resolved, however I have not been credited the {$4100.00} to my account and my credit report has shown me over my credit limit and it is impacting my credit score.