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

I opened a Best Buy Credit Card recently thru Citi bank. I received my card on XX/XX/XXXX, on XX/XX/XXXX I set up my account online so I could make payments. The purchase i.made with the card was 18 months no interest with payments. Once I setup my account online it showed a payment due on XX/XX/XXXX or XX/XX/XXXX, I immediately made a payment. I never received a notice saying when a payment was due. I messaged Citi & Best Buy for a explanation. Both blame the other. As of today, Citi has given me a reply that I would receive a explanation within 24-48 hours and another message saying 15 days. I also have ask that since I closed my account does this affect the 18 months finance, will I have to pay the balance in full to avoid interest. It's been a week since I inquired about this. I can't get a reply from Citi, Best Buy still says Citi is responsible. I need this looked into since I get different answers. 
Thanks, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

According to the FCRA section 605B, the credit reporting agencies have the duty to block any and all accounts noted to be attached to reported identity theft. On XX/XX/XXXX, I submitted a dispute to initiate this process via mail. According to the previously cited congressional act this process of blocking these legally cited accounts should take no more than 4 days, yet the process is nearing 30 days.
Complaint sub-issue: Information belongs to someone else

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 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: Account status incorrect

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the accounts listed below. These accounts are showing late payments and I am sure I have never been late. I have requested a statement proving the late payments, but no verifying document has been received. The following accounts are reporting incorrectly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

Ive submitted multiple disputed to XXXX, Equifax and XXXX to remove several items from my consumer report and they are refusing to abide by my federal protected rights. Ive called XXXX multiple times they said they could not remove the security freeze they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed -Sent dispute letters XXXX XXXX and still have errors on my report 15 USC 1666b late payments from open ended credit plans cant be reported -Dispute was to remove the late payment which wasn't late but still have not fixed it 15 USC 1681 ( B ) must have written permission to furnish on my behalf -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages -Have n't been able to purchase a house due to error on my consumer report 15 USC 1681 ( a ) ( 4 ) right to privacy -Did not give consent to repost items to consumer report 15 USC 1681 ( b ) must follow reasonable procedures -Sent out unfreeze letter to XXXX  multiple times and still wont unfreeze my account 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported -Items was reported that i used my social to obtain 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second time filing a complaint since XX/XX/2021 due to the reporting agency not doing their jobs by truly investigating inaccurate information on my credit report and they are refusing to remove the errors or provide my signature or contracts holding there of. This is violating my consumer rights and its causing me financial hardship.
Complaint sub-issue: Investigation took more than 30 days

I am attaching a copy of the request of investigation my wife and I sent to Equifax on XX/XX/XXXX. Over 60 days have passed, and they have not responded. They are supposed to respond within 30 days.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

XXXX XXXX I was XXXX at the XXXX XXXX XXXX XXXX  XXXX, XXXX , CA XXXX. The home of XXXX XXXX and his elderly mother. The XXXX refused to let me take my purse or wallet with me when I was taken out of the residence and to XXXX. I spoke with XXXX XXXX from XXXX, I had him check my direct deposit balance arround the first of XXXX. He told me I had no pending deposits and that I had been cut off my benefits because I was in XXXX. I told him to leave my card in my wallet, in my purse and leave them with my landlord were theyd be safe. He gave my landlord my purse but my landlord didnt check for the card. Mr. XXXX assured me my direct deposit card was in my wallet, in my purse at my landlords. XXXX XXXX did not tell me that I was in fact getting direct deposits and he was receiving, collecting and spending them. I was XXXX XX/XX/XXXX. Within 2 days I located my card and called it. He spent over XXXX $ and caused me an over payment. He had my social security card, drivers liscence and many other personal identifying documents for several months. He also had my laptop giving him access to more identifying personal information. Im now receiving emails about credit and loan requests.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is regarding XXXX ( Utah XXXX XXXX XXXX XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, serviced my student loan from XX/XX/XXXXXXXX until I paid the loan off early in XXXX XXXX. I never paid them late. 

In early XXXX XXXXXX/XX/XXXXafter more than 30 days since I had paid off my student loan in full, XXXX was still reporting to XXXX, Equifax and XXXX  that is was an open trade line on my credit report, with a balance. I contacted XXXX on XXXX and was told to call back in another 90 to 180 days if it still shows an open account. 

I then chose on XXXX XXXX XXXX to dispute the account with XX/XX/XXXX, Equifax and XX/XX/XXXXeven providing them the copy of the letter from XXXX ( XXXX XXXX  ) stating my loan was paid and closed. 

On XXXX XXXX XXXX I was notified thru my credit monitoring service that the XXXX account status changed on both my Equifax and XX/XX/XXXXcredit reports. 

It now showed the account was marked as " closed '' but still had a balance of {$2000.00}, that it was 300 month revolving loan, that it was opened in XXXX, and most upsetting it shows there was a late payment of 60 days past due in XX/XX/XXXX. XXXX  and 90 days past due in XX/XX/XXXXXXXX. 

FIRST AND FOREMOST I NEVER, NOT ONCE EVER PAID THIS LOAN LATE. I HAD AN XXXX CREDIT SCORE AND WAS IN THE PROCESS OF BUYING A HOUSE. 

FURTHERMORE EVERY ACCOUNT DETAIL LISTED ON THE XXXX TRADE LINE ON MY CREDIT REPORTS ARE INCORRECT AS FOLLOWS ; 1. ACCOUNT SHOWS BALANCE, WHEN IN FACT MY ACCOUNT IS CLOSED AND WAS PAID OFF. 
2. ACCOUNT SHOWS AS 300 MONTH LOAN, HOWEVER THIS WAS A 120 MONTH LOAN XXXX. ACCOUNT SHOWS I WAS LATE 60 DAYS XX/XX/XXXXXXXX  AND 90 DAYS XX/XX/XXXXXX/XX/2015. I WAS LATE NEITHER OF THOSE MONTHS. INTERESTINGLY ENOUGH XX/XX/XXXXDID NOT EVEN SERVICE THIS LOAN UNTIL XXXX OF XXXX  WHEN THEN BOUGHT OUT XXXX XXXXXX/XX/XXXX. ( I HAVE ALSO CONFIRMED WITH XX/XX/XXXXTHAT ANY PAYMENT TO THEM WE MADE ON TIME ) ** IN REGARDS TO THE XXXX TRADE LINE ON MY CREDIT REPORT, PRIOR TO MY PAYING OFF THE LOAN IT NEVER HAD INCORRECT INFO LISTED. THE BALANCE, TERMS, AMOUNT AND EVERYTHING WAS CORRECT. 

XXXX THE INITAL DISPUTE WAS BECAUSE XXXX FAILED TO UPDATE THE ACCOUNT AND MARK AS PAID AND CLOSED UPON ME PAYING IT OFF **** RATHER THAN CORRECTING IT, THE CHOSE TO FALSELY ADD 2 LATE PAYMENT THAT DID NOT HAPPEN. 

I have contacted XXXX several times via telephone. each representative has told me they system shows it paid closed, at a XX/XX/XXXXbalance and no late payment were ever made. 

XX/XX/XXXX has initiated another dispute, but has indicated they can not correct the issues since the issues is coming from what XXXX is reporting. 

Equifax shows the same information as XX/XX/XXXXdoes, however XX/XX/XXXXdoes not. XX/XX/XXXX is showing correctly with not late payment for XXXX.
Complaint sub-issue: Trouble with how payments are handled

Today I called FedLoan, my servicer, about a payment question. When I mentioned the lump sum I made in XXXX 2017, to reduce my principal and by default the interest, he said it was being held in a " paid ahead '' folder. The lump sum was {$9000.00} which would significantly reduce my accrued interests, if applied. My account summary displayed the lump sum as if it had gone through, I did n't know it was being held anywhere. 

Basically, each month a portion is taken from my " paid ahead '' folder and applied to my loans rather then applying the whole payment right away. That way FedLoan can keep accruing more interest. I had my " paid ahead '' folder removed that I did n't even know existed. There was no email or clarification of this. Maybe in fine print somewhere, but these type of practices need to be made significantly more clear.
Complaint sub-issue: Information belongs to someone else

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measure afterwards. I just got a duplicate drivers license and a copy of my social security card. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. These accounts are not mine, please remove them.
Complaint sub-issue: Account status incorrect

I have old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with Mohela. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX XXXX XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$540.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance {$2200.00}
Complaint sub-issue: Add-on products and services

I called Citibank to ask that my Citi Double Cash card be upgraded from a XXXX XXXX to a XXXX XXXX  XXXX. I saw online this is possible and my credit limit qualifies, as it is above $ 10k. The customer service representative told me that it is possible for other accounts but not mine. I feel this is discrimination and wrong. I should have the same right to have a XXXX XXXX XXXX as everyone else :
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX., does not own debt and is not authorized under XXXX to collect on debt correct amount {$150.00} as evidenced with incorrect collection amount XXXX.
Complaint sub-issue: Debt was paid

They are claiming that we owe XXXX  months rent. The rent was paid by XXXX XXXX of Minnesota. Further more. The apartment was released before XX/XX/2021. I drove by the apartment building and could see people living in the unit and furniture on the balcony. 

They are attempting to double and triple dip which is against Minnesota law.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX my Equifax credit report was showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card which are all in good standing. My credit score was listed as XXXX which really is n't good but this was another issue that I previously filed a complaint on. On XX/XX/XXXX my Equifax report was no-longer showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card. My Credit score has again dropped to XXXX which is getting worse than better. I reached out to Equifax regarding this issue and the response from them was that I need a Credit specialist. So I did meeting with a credit specialist at XXXX XXXX. He couldnt understand why this issue was taking place. I took it upon myself to contact XXXX XXXX XXXX and XXXX XXXX to inquire weather or not that they stopped reporting my history. There response from both companies were the same. They stated that they report to all three credit agencies and would not stop reporting either good or bad information. I am attaching correspondence from my conversations with both XXXX XXXX XXXX and XXXX XXXX. These issues that I 'm having with Equifax is not satisfactory in my book. My next step will need to be seeking Legal Council. All Im looking for is that my credit score be reflect my score of XXXX as it was in XX/XX/XXXX.
Complaint sub-issue: Late or other fees

open account on XX/XX/2022 with a {$30000.00} check i recieved from a lawsuit attorney : XXXX XXXX  XXXX address : XXXX XXXX XXXX, XXXX XXXX, new york XXXX XXXX a few weeks my account was close and i was told by the teller at citi bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX That they couldnt tell me anything, I need to call fraud department for more information. 
I called and was told that they mail me a letter explaining. On XX/XX/2022 the letter stated they took no longer can service my account and they will issue me a official check for the remaining balance of {$12000.00}. I recieved a check on XX/XX/2022 for only {$440.00}. I called and was traffer to multible department telling they not authorize to tell me and hung up on me. I went to the bank and spoke to XXXX XXXX and she had the same problem so i left her my information, I went back a few days and she said that fixed the [ problem and they already send the remaing balance to my address '' already in the mail ''. Its been over a week and i have not recieve not even a email. Im broke and my carnote is pass due. My credit is ruin and i owe {$620.00} cause they cancel my investment. Cost me to be late on my carnote that interest whicb mean more lost. I cant work so thats all the money i had. This has cause me alot of stress, eating one meal a day. I was misled and disrespected too many times and cost me financial lost.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. I didn't authorize these inquiries, and there the name is wrong on my credit profile Please delete them immediately.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2005 there was an account open in my name and social security number due to identity theft by someone who stole and sold my identity. This account doesnt belong to me and is on my Equifax credit report. The account number is XXXX, the amount is {$780.00}. 
I have called this company numerous times to get this resolved and they just put me on hold and never come back to the phone. Ive tried to get this resolved with Equifax as well. 

The company name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

on XX/XX/2021 and XX/XX/2021 I sent dispute to validate debt and to remove unauthorized information off my report according to the federal law which protects my consumer rights title 15 United State Code 1681 ( a ) ( 2 ) exclude any Transactions from me and any person shall not be on consumer report.I just sent another dispute with a affidavit of truth and facts, Intent to sue for disregarding the law through Certified mail on XX/XX/2021
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the 31st day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Complaint sub-issue: Public record information inaccurate

I sent a certified letter to Equifax and XXXX on XX/XX/XXXX notifying them about the violation of US law 15 U.S Code 1681b Permissible purposes of consumer reports code which states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, or Equifax any written consent to report anything on my consumer report pertaining to a bankruptcy, no consent is identity theft. For their convenience I also attached a copy of the law to the letter. They each then forwarded a letter to me stating that regardless of what the US law says, that the information will remain, further violating the law. Just to clarify things I am not a lawyer, and I am not with a credit repair company, as I am aware that is illegal. I am just a well informed consumer that reads and can comprehend law. I am looking to get this deleted immediately or I will pursue legal action against Equifax and XXXX.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was harassed to pay an already paid debt I presented receipts of payment and was told lies such as the check bounced or I paid with fraudulent funds. My girlfriend was also harassed and threatened by the company until she started a payment plan, Ive written the court and the sent a letter to draw down the funds so they can be paid and when I had my girlfriend to call hunter warfield we were threatened again with further legal actions and damages to our credit. I have called them countless of times and they should have records of the way they spoke to me as if I was XXXX and didnt deserve to have this matter solved.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. IT HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/20 30DAY DEMAND XX/XX/20
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have two student loan accounts open with XXXX  XXXX XXXX in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my .XXXX XXXX account. For some reason, XXXX  XXXX XXXX was only sending my bill to the .XXXX  XXXX address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting XXXX  XXXX XXXX, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this Federal Servicing agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this XXXX XXXX XXXX department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this XXXX student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.
Complaint sub-issue: Problem getting report or credit score

About 2 years ago the bureaus dropped my credit score from about XXXX to the low XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.