Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

Citibank credit card is putting minimum due amounts on the app then what is different when logging from a desktop. They are ripping customers off the {$28.00} late fee by doing this. When asked for a waiver they indicate a courtesy waiver can not be issued. This is not a courtesy. This is their error. The app should match the same information the desktop does. I have a screenshot of what the app was asking for but when i tried to get my credit card information they have now taken my access because i told them i was going to file a complaint. My app was asking me to pay {$96.00} but the desktop was asking to pay {$130.00}. ( See screenshot of how much the payment was made for )
Complaint sub-issue: Information belongs to someone else

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested Equifax to remove a Collections that is not mine. They did not remove nor respond to my request. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitaPlease remove all Inaccurate addresses immediately as they are unlawfulble for legally binding contracts or credit accounts ).
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$2200.00} ; XXXX  XXXX  XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX # XXXX Inquired on XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX CO Reported XX/XX/2022 {$10000.00} Outstanding  XXXX XXXX  XXXX Reported XX/XX/2022 {$210.00} Outstanding  XXXX XXXX XXXX Reported XX/XX/2022 {$160.00} Outstanding  XXXX XXXX XXXX Reported XX/XX/2022 {$130.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$84.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$42.00} Outstanding  XXXX XXXX Reported XX/XX/2022 {$0.00} Outstanding 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 an account without my written authorization.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXXXXXX and Equifax are showing multiple late payments on my student loans in XXXX and XXXX of 2017. All three of my student loans have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late.
Complaint sub-issue: Information belongs to someone else

This company is reporting fraud inquiries victim of id theft they refuse to investigate and send me my report by mail And delete this
Complaint sub-issue: Account status incorrect

I have paid Americollect IN FULL on ALL medicial collections. They will not update any of my credit reports! This is effecting my credit score!!
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX XXXX has not responded to a QWR that I sent them certified I asked for all the LEVEL ACCOUNTING and Proof of this PURPORTED DEBT they are trying to collect on. They need to remove themselves off of my credit report at once and they need to Stop Harrassing me. They also need to stop stealing my identity, I am going to press a criminal complaint against them. They have nothing to do with my property!!!!! This account was paid and closed by XXXX XXXX XXXX, XXXX XXXX XXXX and Mers!!!!
Complaint sub-issue: Old information reappears or never goes away

Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since 2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. Thank you
Complaint sub-issue: Account information incorrect

I have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
Complaint sub-issue: Information belongs to someone else

Attempted to reach out via attorney advocacy, attorney general, XXXX, ftc to no avail. My request are falling on death ears. This company is deliberate in the efforts to keep erroneous and fraudulent information on my credit report related to " apartment rental '' in which I have no knowledge of for the past 2 years. I have had the credit bureaus dispute this and EQUIFAX if the ONLY CREDIT BUREAUS listing these fraudulent debts as VERIFIED. When I asked for documentation to support their findings by way of FCRA 609 I have not recieved anything in the mail to support. I only recieved NO RESPONSE. Please investigate.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am 90 days past due on XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/XXXX at XXXX a new US Bank Gold Checking Account was opened online in my name. I did not open this account. I was notified by email from US Bank about this account being opened. The account was opened and {$25.00} was deposited from XXXX XXXX. It appeared that my profile was also changed. My email address was changed to use XXXX and my address was changed to my old address. I called US Bank at XXXX that same day. I was routed to the Fraud Liaison department. They put a Hard Hold on the checking account. Later in a subsequent call my online access was XXXX. I have had difficulty getting further information about what happened. I'm attributing that to the fact that it was a holiday weekend. Today, XX/XX/XXXX, I put a lock on my XXXX  account and freezes on my XXXX and XXXX  accounts. I spoke with Fraud Liaison again today. All steps to switch account numbers, etc. were started. The case number with the Fraud Department at US Bank is # XXXX.
Complaint sub-issue: Problem using a debit or ATM card

My card was charged {$470.00} on XX/XX/2019 at a establishment ( XXXX XXXX XXXX XXXX  ) I havent ever been or ever brought from in witch i didnt authorize the transaction i called and had the charge disputed with the fraud department i told the gentleman that i didnt have the card when the transaction took place and he put on the report that i said i did have the card witch was wrong and now citibank is saying the charge was rejected and charging me for the {$470.00} i have sent information from the merchant saying it was a big charge at their store and they would refund me back i filed 3 letter of appeal with the bank but they keep closing the case and isnt trying to XXXX  me with the process
Complaint sub-issue: Debt was result of identity theft

A debt on my consumer report from a company called LoanMe which further looking at my consumer report has been sold to a company called XXXX XXXX XXXX. This debt is a result of identity theft and I have submitted my police report and ftc.gov report to XXXX and LoanMe. The loan application does not have my handwritten signature on the application which is attached. It was an online application done AFTER my laptop was stolen from my car and a police report was taken ( attached ). XXXX is the CRA the company is using to report. Each dispute comes back " verified ''. It has been SEVERAL YEARS reporting and disputing. I realize, maybe that I'm not including this other company who now owns the debt XXXX XXXX XXXX XXXX ) ; so, I'm including them here. I am attaching all of my documentation here. I've tried fixing this issue and nothing has been resolved.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX I received notification from XXXX XXXX that the customer service of my federal student loan account would be transferred to MOHELA but that my loans would still be owned by the U.S. Dept. of Ed. The letter stated that it would be transferred on or about XX/XX/XXXX. 

Then, on XX/XX/XXXX, I received an email that loans would be transferred to MOHELA within 30 days and to go ahead and set- up my account using the information they had provided. 

I went ahead and set up an account and within a couple of days, my account said that all information would be available on XX/XX/XXXX. On XX/XX/XXXX I checked my account and the account stated that I was " in good standing '' and my balance was showing {$0.00}. 

On XX/XX/XXXX, I checked my account again and it stated that all the information relating to my loan would be available on XX/XX/XXXX. At this point, I knew I was getting misleading and bad information. I checked my account on XX/XX/XXXX and again, it stated that I was " in good standing '' and my balance was showing {$0.00}. 

I called MOHELA immediately because I am getting conflicting information after years of getting bad customer service and faulty information with XXXX XXXX. I am also in the process of purchasing a home and further steps can not be taken until my student loan information is established with MOHELA. 

I spoke with XXXX on XX/XX/XXXX who informed me that the processing time is about 10 business days. I explained that I am well over the 10 business day mark but she could not give me a reason why and had no access to any further information to help me access my new account.
Complaint sub-issue: Received bad information about your loan

I am furnishing this complaint against Fed Loan for denying me the right to have student loans removed off my credit because of my criminal record according to False Certification. They found me not eligible by stating there is no evidence that the school was made aware of the disqualifying status. I was not made aware that I might not qualify for employment due to my criminal record for which field I was being trained in because no one asked or gave me appropriate counseling. 

XXXX College, formerly known as XXXX XXXX XXXX College would have been aware ONLY if the school would have INQUIRED about my criminal record prior to enrolling in school. I have no reason to deny that when this is public records and apparently can be found. 

Furthermore, I inquired about the Promissory Note with XXXX XXXX Student Loan Servicing before because I wasnt certain that I had signed on to this and requested that send me a copy. The Promissory Note has incorrect information that I highlighted such as my name. It asked for your whole name and my whole name is not located anywhere on there. Also, there is nowhere on the Promissory Note that ask are you a felony for any type of crime other than for fraud. Nor did I receive counseling regarding a loan or my eligibility for a loan and anyone could have done an electronic signature. 

However Fed loan states you may qualify if you had a physical condition, medical condition, legal status, legal condition or a CRIMINAL RECORD that would legally bar employment in your field of study at the time your school certified or originated your loan. How was I supposed to know this information? They asked about fraud, then they should have asked about other criminal records. 

According to XXXX  and XXXX, XXXX  is where I now reside. Both states have set rules that prevent one from gaining desirable employment in the XXXX XXXX and to provide a XXXX  business for XXXX XXXX XXXX. However ; my criminal record has become an obstacle. I studied XXXX XXXX so that I would have essential XXXX  skills and knowledge to become an XXXX  and to work with XXXX. 

I am not able to get ahead in life and to have been to school and still not able to conquer my dream job is quite depressing and embarrassing. I would like to have these loans removed off my credit immediately. Extortion is illegal and again, I think that the school should have questioned or counseled me before signing up for a program that I cant benefit from. 

I wish I would have known going to school wouldn't benefit me because my criminal record prevents me from gaining employment and becoming an entrepreneur. 

I have attached documents for you to review.
Complaint sub-issue: Can't get other flexible options for repaying your loan

XX/XX/XXXX-XX/XX/XXXX. 
This college is part of the XX/XX/XXXX Lawsuit. 
Their credits were useless not able to transfer college units plus their studies were incomplete and they were giving a degree an XXXX XXXX After incomplete after incomplete studies. During around XXXX  close their doors Those students were forgiven of their student loan. I was not forgiven of my student loan because I was not a student in XXXX. 
That should not matter Because they were also in violation when I went there.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

- XX/XX/XXXX My card was charged {$160.00} by flohocky. 

- XX/XX/XXXX I disputed this fraudulent charge as I didn't have and never had an account with flohockey. While reviewing my account I discovered another previous fradulent charge from flohocky on XX/XX/XXXX for {$140.00} and disputed this at the same time. 

After I had disputed the charges I was also advised to contact flohockey. Their customer service was unhelpful and they told me since I disputed the charge they couldn't do anything about it. I looked up flohocky on the better business bureau and saw they have a F rating. Apparently I am not the only one they are ripping off. 

- XXXX XXXX Discover card reversed the dispute for both charges and reapplied the charges to my account. 

- XXXX, XXXX, XXXX I noticed that the fraudulent charges had been reapplied to my account back in XXXX. I immediately called to find out how that was possible. I was told they would reopen the dispute for the XXXX and once that was resolved they would work on the XXXX charge too. I was told they would follow up with me as to the results of their investigation. 

- XX/XX/XXXX After not hearing anything from Discover card I looked into my account to see the fraudulent {$160.00} reapplied to my account again and spent nearly an hour and a half talking to XXXX different people trying to get these fraudulent charges resolved. I asked what evidence they had that these charges were not fraud. The answer I got was that they had my wife 's name ( authorized account user ) and card information so they viewed them as legitimate charges. I explained that neither myself nor my wife ever signed up for flohockey service nor did we ever provided them with the account information. A charge not authorized by myself or my wife pretty much seems like fraud to me. We don't know how they got the card information.
Complaint sub-issue: Application denied

In XXXX of 2021, the consumer applied to creditor Citibank , N.A . ( through XXXX XXXX XXXX ) to obtain a line of credit/extension of credit. On XX/XX/2021, Citibank , N.A . denied the consumer 's application for credit extension. The consumer applied for credit with the creditor in an effort to afford service needed for a XXXX XXXX in which the consumer currently provides payment on a loan for.
Complaint sub-issue: Was not notified of investigation status or results

I am a XXXX person that has a lot of of XXXX problems and I have XXXX and I am on a lot of XXXX XXXX XXXX that has to be monitored through XXXX XXXX. I have been dismissed from doctors offices because I couldn't keep my appointments with these doctors offices because my XXXX prevented me from keeping these appointments because my XXXX was XXXX to where I could not move. I have good days and bad days. I have been told that it is the doctors orders not to take me on as a new patient because I have missed to many appointments. And my health has gotten worse because these facilities not giving me the right kind of medical treatment and care and medications that I need in order to function properly. Instead my insurance company chose to make jokes about my health and welfare and to no avail has tried to help me. XXXX XXXX representives have even hung up the phone in my ear and has made a mockery about my family and health. XX/XX/2018 I have been part of XXXX XXXX. I have had XXXX work done in which XXXX XXXX pulled all of my XXXX out all in one day and I could have bled to death. And this company wanted me to pay the remaining balance of {$310.00} when they went behind my back with out my permission.
Complaint sub-issue: Debt was result of identity theft

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.
Complaint sub-issue: Trouble with how payments are being handled

Respected Sir or Madam : I am following up with regards to my earlier complaint ID XXXX which was logged with CFPB. 

The lender insists that for international student the only way to repay is through XXXX. As I alleged in my previous complaint there seems to be a nexus between the two firms where they are forcing students to ONLY use XXXX service which charges not only an exorbitant fees but also is very poor in managing the payment. Unfortunately in absence of any other solution offered through my previous complaint, I had no choice but pay through XXXX. 

However, a payment that XXXX insists was posted on XX/XX/XXXX, ( Please see the attached receipt ) is still not reflecting on the firstmark system. They are insisting on reporting a late payment to the credit bureau when I have made the payment well within the deadline of XX/XX/XXXX ( Please see the threatening language in the attached email from firstmark ). 

This is creating a lot of stress for me and my co-borrower and borders on criminal. We would be highly obliged if you please escalate this matter as it seems Firstmark seems to be taking your powers very lightly. 

Thanks and regards, XXXX
Complaint sub-issue: Trouble with how payments are being handled

Re : AES SERVICER FOR MY LOANS WITH XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have mailed and faxed to Cancel Autopay for All Loans with Loan and Graduate Services. I am resending a letter from XXXX XXXX as as my checking account is still being auto debited after cancellation request. The letter was sent in the same envelope with my request for a settlement/different repayment terms which I received a reply on. The request to cancel auto debit seems to have been ignored since it has continued. Of note, I sent a request to cancel auto-debit over 6 months ago, but only my XXXX/XXXX XXXX  stopped debiting. Therefore, this is my 3rd request to properly cancel auto-debits.
Complaint sub-issue: Information belongs to someone else

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE REUIN PEOPLE LIVES AND THATS WHEN XXXX AND XXXX XXXX  COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Investigation took too long

I sent a dispute on XXXX XXXX. On XXXX XXXX I sent a follow up letter asking Equifax to remove the accounts in question that I disputed due to non-compliance which is mandated by the FCRA. On XXXX XXXX I received a letter from Equifax saying the accounts have been updated ( which is still inaccurate ). On XXXX XXXX I sent another letter asking them to please comply with the mandate set forth by the FCRA. Today I have yet to hear back from them. 

I have detailed records of all my letters along with certified postage and return receipts.
Complaint sub-issue: Information belongs to someone else

There are a few accounts on my credit report I do not recognize
Complaint sub-issue: Account status incorrect

We were told that due to employment layoff due to Covid 19 that we would could take a forbearance on the payment and that it would not result in any negative credit reporting. After discussing it further my spouse and I elected to end the forbearance and make the XXXX and XXXX payment at the same time but was still issued a late payment to my credit report for XXXX. 

This years payments XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XXXX {$780.00} ( XXXX and XXXX 's payment ) XX/XX/XXXX XXXX The late payment was applied for XXXX even though we were assured multiple times that there would not be any negative consequences of taking the payment forbearance. Lending Club is very difficult to work with and each time you speak with a rep you told something different.
Complaint sub-issue: Their investigation did not fix an error on your report

Opening this complaint in response to XXXX XXXX XXXX closing complaint XXXX and not addressing the complaint. XXXX response to XXXX was completely and totally misguided and did not address the complaint. XXXX responded about payment history etc. and the complaint was about an address! 

TO BE CLEAR - This is a complaint about an incorrect address for XXXX/XXXX for disputing credit reporting. Equifax is providing an incorrect address for XXXX/XXXX! Providing an incorrect address is a FCRA violation. Not sure who is to blame, Equifax or XXXX, but this is a FCRA violation! 

Equifax clearly lists the address for disputes with XXXX XXXX XXXX as XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The correct address for XXXX ' NC location is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX also has an address in TEXAS - XXXX XXXX XXXX, XXXX, TX XXXX. WHAT IS THE CORRECT ADDRESS for disputing information with XXXX XXXX XXXX? This address provided by Equifax has been incorrect FOR YEARS!!!