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

15 USC 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer I DO NO VALIDATE THIS DEBT I HAVE NO CONTRACT WITH THIS COMPANY
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This is not a 3rd party nor did I submit this in error.This is second letter I have sent to Equifax and they are intentionally and willfully being neglectful in remedying my affairs, see attached
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX I sent proof XXXX XXXX that my payment for XXXX was XX/XX/22 not late. And they want update my information.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I want to start by saying that I DID NOT open any account with this company called XXXX XXXX. 

I was checking my credit score on XX/XX/XXXX and I noticed there was a inquiry from a bank/company called XXXX XXXX. I called them and the customer service representative advise me to contact their fraud department. I contacted their fraud department and there was a recording stating that if I was calling to report identity theft I was supposed to create a report with the FTC ( Federal Trade Commission ) and send it to them. I filed the dispute through FTC.gov and also made a police report because this was the second time somebody used my information to get a loan. I sent the FTC report along with the police report. They reached back stating they needed the a screenshot of the confirmation email where it showed I filed the FTC report, which did not make sense because I had already sent them the report. I had deleted that email as I thought it was not important since I had the actual report so they had me filed another one complaint to the FTC and send them the screenshot of email confirmation.

After two weeks of all this hassle they send me and email stating that they did not found any fraud. I of course called the next day asking why they had determined this and XXXX from the fraud department told that they had found that all mi information matched and that is why they decided that is was not fraud. I found this totally incoherent because that is the same reason that I filed the dispute, of course the information is going to match that is why I am contacting you in the first place to report that it is fraud because I DID NOT open that account. Furthermore, the company is basically telling me that I lied on the police report and the FTC report I submitted which, to my knowledge, is a federal crime. 

I proceeded asking him where the funds of the loan where transferred and he informed me that it was transfer to a XXXX XXXX XXXX ( XXXX, I believe ) in XXXX, Florida. I told him that was even worse because I have never lived in XXXX nor I have family there. He then told me that basically there is nothing they can do and I just find impossible that they are not accepting my despite even after filing a police report and a complaint with the FTC which was notarized, of course.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking account in XXXX with an account opening bonus of {$200.00}. The terms of this bonus would be to deposit and hold {$10000.00} for a specified amount of time. The bonus should have been paid out by XX/XX/XXXX, but it has not been received. The account bonus code is XXXX. I have followed up numerous times with Citibank in regards to this but have not gotten a response back.
Complaint sub-issue: Debt was result of identity theft

I was thinking about creating a XXXX XXXX, a little flower shop. Due to the coronavirus, it was never physically or online open. Although I had developed my website, I decided to put everything on wait until after the coronavirus. After a few months, I decided to deactivate my website. I don't even own a credit card reader. In addition, I did not sign any contract with these individuals. These XXXX XXXX employees managed to obtain some of my business information as well as my personal information in some way. Because I had never signed up for any such company, I never received any correspondence from them. Naturally, I assumed that the issue had been resolved because I had contacted several times to resolve the issue and had emailed the company. I received a notice stating that I owe {$630.00} to the company. I decided to report them since one transaction fee letter seemed quite suspicious. One transaction charge letter I received stated that a customer will be refunded {>= XXXX} and that I would be responsible for the remaining {$630.00}. How is that possible when I have never authorized a merchant account and have never signed a contract? someone claiming to be from the XXXX XXXX Something isn't right!!
Complaint sub-issue: Received bad information about my loan

My loan is serviced through MOHELA and is at a 9 % interest rate. In XXXX, XXXX, I called to inquire regarding my high interest rate and possible options to lower payments, etc.. I was told that I 'd been charged incorrect interest since the loan originated ( XX/XX/XXXX ) and to " hold off payments '' until MOHELA 's accounting department could reconfigure my balance. On XXXX/XXXX/XXXX, I received a letter that my terms had changed to 8.17 % and balance reduced from {$36000.00} to {$23000.00}. This reduced my payment significantly and I made many financial decisions based on this information. I proceeded to make a home purchase, my credit improved, and I took a new job in another state. Subsequently, on XXXX/XXXX/XXXX, I received another message from MOHELA stating that the terms had been CHANGED BACK ( 9 % interest rate ) and my balance had actually gone up because they 'd put my loan in forbearance while their accounting department calculated what my new payment would be at 8.17 %, etc.. In calling MOHELA, I was told that the original person who 'd given me the information " had been XXXX '' and could not be reached. I then spoke with multiple supervisors in Customer Advocacy. " XXXX '' is my primary contact and states she is " trying to get Senior Leadership to do something but having a hard time ''. I 've gone weeks at a time without receiving a call back and it has taken hours of my time to try to get this resolved. I am a XXXX working at a XXXX and do n't have time in my day to constantly try to get an answer. I feel like I 'm being ignored and it seems unethical and illegal that a financial institution of any kind could change one 's loan terms on a whim. I made financial decisions for my family based on information received, only to have them change it back " because we made a mistake ''. The change in terms was in writing and they should be held accountable. I understand I have an obligation to pay my loan, but MOHELA has an obligation to provide accurate information and abide by the terms they provided me on XXXX/XXXX/XXXX. I encouraged them to utilize their " mistake '' for future training of employees or in looking at their processes. XXXX and financially, I was so relieved to hear that my balance had been reduced and that I would be able to meet some financial goals I 'd been pursuing. For MOHELA to make such changes on a whim, without this in consideration, is completely unethical. Something NEEDS to be done.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased an auto part XXXX XXXX XXXX XXXX for a XXXX XXXX  XXXX via XXXXXXXX XXXX located in South Carolina. Part showed up and was left at door. Shipment was refused and returned to XXXX XXXX. XXXX XXXX refused to credit my credit card. I filed a claim with CITIBANK who issued a provisional credit for the part. I provided proof to CITIBANK ; Postal Tracking information that the part was refused and returned, and received back by XXXX XXXX in South Carolina. 

CITIBANK contacted XXXX XXXX who acknowledged they received the part back but refused to issue credit back for the part and kept the part. The part cost {$1500.00} CITIBANK contacted me back and told me since the merchant ( XXXX XXXX ) refused to issue a credit, the provisional credit was going to be reversed and was now due. I asked them how they could possibly acknowledge everything I claims was accurate and still try to collect from me, and they told me to file a Lawsuit against XXXX XXXX to recover the money meanwhile I had to pay. I refuse to pay money for a part I do not have. It should be fraud and or outright criminal theft for a merchant to willingly keep both the part and the cash, and worse for CITIBANK to be unwilling as my credit card issuer to take no action against them.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Complaint sub-issue: Didn't receive enough information to verify debt

I RECEIVED A NOTICE FOR A SMALL CLAIMS JUDGEMENT, I DID NOT RECEIVE ANY NOTICE FROM THIS COLLECTION AGENCY, I CALLED THEM TO TALK ABOUT THE DEBT, AND ASK TRIED TO SET UP A PAYMENT PLAN THAT WOULD STOP THE JUDGEMENT, BUT THEY WHERE UNWILLING TO WORK WITH ME EVEN THOUGH I WAS WILLING TO SET UP A PAYMENT PLAN ON THAT CALL. THEY SAID THAT THEY SENT A COUPLE OF LETTERS AND WENT RIGHT TO TRYING TO SUE.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$1000.00} ) .. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Problem with fees charged

We currently have an auto loan with  Ally Financial, Ac ct number  XXXX . Vehicle  XXXX   XXXX   XXXX  purchased in  XXXX . This journey started for us when we were in the process of purchasing a home and our credit report reflected o ver 16 past  due payments being reported b y Ally  Financial. Now, how is it possible that we would have  16 pa yments, 30 days past due and still have our vehicle. Immediately, I got on the phone wit h Ally Financial to  explain what we found on the credit report. The representative then informed me that it our payment was current, but we had {$700.00} in late charges. At this point none of this made any sense, so I then filled a credit dispute. The documents I provided was the entire account payment summary, the account transaction summary which shows the date and time we logged into the system to make a payment. I also sent  Ally Financial a ce ase and desist notification via account messaging, due to unsolicited phone calls with inaccurate account information. The response to that letter was to call customer service. At this point my only request was for account verification because we did not owe {$700.00} in late fees, and a billing summary showing when we were considered late. On  XX/XX/XXXX   Ally Financial  mailed us a payment history summary reflecting late charges in the amount of {$250.00}, AND reported our account as a charge off. We submitted a dispute about Ally falsely reporting a charge off, when the account is actively being paid and that was removed. Keep in mind, as of today  XX/XX/XXXX  our credit report still reflects that we were late 16 times and owe {$700.00} in late fees. In  XXXX  we were charged late fees when we were on a 60 day, followed by a 30 day extension. In  XXXX  we have  XXXX  late fees although we were on a 30 day extension for  XXXX  and the other was paid on time. In  XXXX  from  XXXX  until  XXXX  ally financial report that we were  XXXX  consecutive days late. Again, how is that even possible when we still have our vehicle and the transaction summary shows that we made our payments. The same applied for  XXXX  where we were reported late 6 times with  XXXX  consecutive 30 day past due. According to the total paid amount we paid off close to the balance of this loan back in  XXXX  of  XXXX  {$38000.00}, why are we still showing as having payments in  XXXX ? We have tried outreaching, we have mailed letters and still there has been no resolve.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX EQUIFAX and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove the listed items below : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

Citibank has called twice a day, everyday. They never leave a voicemail. And it is only because my most recent payment is late. It was due on XX/XX/2021. Citibank does this every month, even if my payment is just a day or two late. It continues until I make a payment.
Complaint sub-issue: Public record information inaccurate

There is a XXXX XXXX bankruptcy on my credit report that still has not been removed. I DID NOT file for a bankruptcy on XX/XX/2021. At this point, Equifax is going against the fair credit act, by keeping false information on my report. And defaming my name. Remove this inaccurate reporting immediately.
Complaint sub-issue: Reporting company used your report improperly

Dear Sir or Madam : I am a victim of identity theft due to an equifax credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries 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.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Keep getting calls about your loan

Due to ongoing medical issues, my son is unable to pay his Discover student loan, so I, as the cosigner, have taken over. I have repeatedly asked them not to communicate via phone but to use email instead. Despite this request, I get daily phone calls even though the loan is current. Their response is always that the calls are on autodial and they don't actually know the status of the loan when they call.
Complaint sub-issue: Charged too much interest

On or aroundXX/XX/XXXX, I applied for a Best Buy Credit Card through Citibank for the purchase of some home appliances. The promotion for this card was a 12 month interest free period to payoff the balance of about $ 3k. During this time my sales agent from Best Buy was XXXX XXXX and we both had to call Citibank at the time of the application ( while in store ) and speak with a representative to obtain my SSN information to run the credit check and receive my approval - which I was ultimately approved.

My first bill from this company I was not assessed any interest. However my most recent bill for the XX/XX/XXXX billing period reflects an interest charge of {$73.00}, which from my understanding with the promotional rate should not have occurred within the 12 month period.

In this complaint I am attaching my initial sales purchase from XX/XX/XXXX and my most recent Citbank bill for this card. I also spoke with XXXX  from the institutions customer service department ( employee ID : XXXX - out of the XXXX ) and she stated that there was no " promotional rate '' showing on my account but it may likely be an oversight.

I believe this to be a UDAAP issue, as there was nothing I could have done to avoid this interest charge. Additionally, I am concerned of a broader impact to others who may have entered into this promotional agreement with Citibank, that may have been adversely impacted.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Report improperly shared by CRC

this company showed up on my credit XXXX XXXX, 2016, I did n't authorize this XXXX XXXX Misc. 
Creditor Contact Details CREDIT PLUS XXXX XXXX, MD XXXX ( XXXX ) XXXX report on XXXX/XXXX/2016. I did n't apply for anything with
Complaint sub-issue: Changes in terms mid-deal or after closing

US Bank canceled my loan with them without my notice. I want US Bank to reinstate my loan with them. US Bank breached my car loan with them causing me to possibly having my car repossessed. Once agin, I would like US Bank to reinstate my loan with them. There was no reason for them to cancel my loan with them.
Complaint sub-issue: Account status incorrect

I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to Ally Financial. When I turned the vehicle in, the balance was and had always been paid in full, except when Ally refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to Ally but they are still reporting a negative account on my 3 Credit Bureau Accounts.
Complaint sub-issue: Not given enough info to verify debt

I have a collection on my credit from Dyck Oneal. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. Dyck Oneal is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit
Complaint sub-issue: Frequent or repeated calls

I recently started using a new voicemail service and since then, have been receiving calls from Discover Bank on average ever 2-4 hours.
Complaint sub-issue: Contacted employer after asked not to

I agreed to work with FMS Investment Corp. ( FMS ) XXXX XXXX XXXX XXXX XXXX, IL XXXX to rehabilitate my school loans. However, there have been calls made to my place of employment as an " emergency '' and the notes are being delivered to my classroom during my instructional school day.Also, not only do I receive excessive calls throughout the school day, they also call my husband 's phone excessively. 

The calls are daily and begin at XXXX on XXXX phones and do not stop until XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent multiple letters to Equifax. I received a copy of my Equifax credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

I ha ve a Sears MasterCard an d have been trying to make a payment and the site has been working at all. I have tried other browsers, clearing my cache, refreshing my page, using a different computer, and nothing works. It stays  on one p age and you 're not able to make a payment. My account is now past due. I have called the number on my card and they said the site is currently down and no one is able to process there payment online and the bill pay department is not able to receive my call because there is such a high volume of calls! They should of sent nification if their site is not working! How else woud anyone with e-statements know to pay?! The person on the phone was not able to take my payment, as the payment is now past due and when transferring to the bill part department, no one picks up. This is extremely frustrating and unnerving for a credit card company to not have any ability to pay either online or over the phone! Below is the website I have been trying to pay my bill on.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX