Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I AM VICTOM F AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL REQUIRED PAPERWORK TO THE BUREAUS AND TO THE BANK BUT SEEMS LIKE THEY ARE PLAYING GAMES AND TREATING ME THE CONSUMER AS A LITTLE KID, EVERY TIME I CALL THEM EITHER THEY DON'T HAVE NAY INFORMATION, THE ACCOUNT SHOULD BE REPORTING, THEN THEY ASK ME FOR IDENTITY THEFT REPORT, WHICH I SUBMITTED NUMEROUS TIMES, NOT ONLY I GAVE THEM THE IDENTITY HTEFT REROT, I ALSO GAVE THEM POLICE RPEORT. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT REPRT.
Complaint sub-issue: Debt was paid

Today XX/XX/XXXX I was contacted by MRS about debt I owed XXXX that I never paid. I then contacted XXXX  and they say I don’t owe them anything and they never contacted mrs to collect debt.
Complaint sub-issue: Reporting company used your report improperly

From XXXX to XXXX, Equifax Credit Bureau 's security was breached, allowing for 143 million Americans information to get compromised. My information was compromised. Equifax has not offered a solution. Instead of informing victims immediately, they decided to do a press release two to three months after the incident, in XXXX. I have had to place credit freezes with all three bureaus, replace three credit cards, activate fraud alert, and take identity theft precautions as a result. I have also been forced to pay a ten dollar fee to Equifax to place a credit freeze with them, which is upsetting, because I should not have to give them money to fix a problem they are responsible for. Equifax does not have the technological competency to be running a credit-reporting business, and their gross negligence has affected my life, and my family 's life, deeply. Now I run the risk of having my identity stolen, and having to freeze and unfreeze my account for loans/credit indefinitely.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have some various inquiries in my credit accounts. All 3 XXXX XXXX XXXX and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax 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 items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX EQUIFAX : XXXX XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WY XXXX, GA XXXX
Complaint sub-issue: Problem with fees

I am writing about an issue of great concern regarding the manner in which Citibank processes their credit card payments. 

I have been a Citibank card holder since XXXX and, to the best of my recollection, have never missed a payment, nor have any payments been late. Thus, I am finding it quite troubling that since XXXX, XXXX, I have repeatedly incurred late fees and interest charges because Citibank claims they did not receive payment on time. 

All my payments are sent through XXXX XXXX, which guarantees that payments will be received by the date due. In the attached documents, you will notice that the XXXX, XXXX, and XXXX, XXXX, payments were actually deposited by Citibank on the date due ( the second of each month ). Nonetheless, I was charged late fees of {$25.00} and {$29.00} respectively as well as interest charges for late payment. I was also charged late fees ( {$29.00} each plus interest charges ) for  the XXXX and XXXX payments, although XXXX XXXX  payment was received on time. As you will see for the XXXX payment, Citibank did not process the payment until XX/XX/XXXX, so I anticipate that yet another late fee and interest charge will appear on next months statement. 

My calls to Citibank to resolve this issue have consumed hours of my work day and been largely unsuccessful. I did get the late fees for XXXX and XXXX credited to my account, but Citibank refuses to issue any other credits because they claim to allow only one credit a year. 

If I were to give them the benefit of the doubt, I suspect that they are slow in processing payments. Although payments arrive on time, Citibank does not note the date received, but only the date they get around to processing the payment. This strikes me as fraudulent and I can imagine there are a number of consumers who have been charged in the same manner but are unaware of the practice if they do not check their statements carefully. 

XXXX XXXX  contacted Citibank on my behalf ( a copy of the letter is attached ), but to no avail. In addition, the day after my last communication with Citibank, I received notification stating that I had requested they stop all contact with me regarding past due status on my account. I made no such request and, given the fact that I have never been late with my payments, I was not even aware that they employed such a process. 

I would appreciate your investigation into the matter.
Complaint sub-issue: Information is not mine

A tax lien was placed on my credit reports, but has since been paid in full and released over a year ago. It has been removed from my report by XXXX, but XXXX and Equifax wo n't remove it and tell me to contact the County Clerk. I did and they said it 's the credit bureaus that are keeping it on there, not them and if it were up to them, they 'd remove it because it was paid in full. I contacted the credit bureaus multiple times and they keep saying I need to contact the county clerk. It 's a big run around and I 'm sure they hope I 'll just give up. I wo n't. I want them removed from my report. I paid it off in full and it should be gone. I will take them to court for false reporting if it does n't happen. I 'm giving them a chance to fix it by filing this complaint first.
Complaint sub-issue: Banking errors

I bank with US Bank. When using our debit cards, the transactions pend sometimes up to a week and a half. We always go by the available balance as instructed by the bank, but due to the error in processing the transactions in a timely manner, it inaccurately reflects in the available balance causing us to continually transfer funds to cover the checking so we do not overdraft.
Complaint sub-issue: Account status incorrect

US Bank auto lease reported a 30 day late payment on my report on XX/XX/2018 but the vehicle was purchased by a car dealer and traded in for a different vehicle on XX/XX/2018 before the lease payment due date on the XX/XX/XXXX every month. Attached doc showing trade in and purchase of the USB lease vehicle : XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly a repossession on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I voluntarily turned this car in at the dealership where it was then sold at auction. I was sent to collections for a larger amount then what was originally owed. It is illegal to take me to collections for an amount owed above what the original debt was. This incorrect reporting is harming my credit score and this item needs to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I recently applied to XXXX XXXX for auto loan refinancing, but was turned down for the following reasons : - history of delinquent credit obligations or public record items - unacceptable use of funds proceeds ( what the XXXX it means??? ) XXXX XXXX referred me to Equifax as a source of the information, which is COMPLETELY FALSE AND INADEQUATE. 
I had NOT a single late payment or any other delinquency within at least the last 10 years. Two other credit bureaus appraised my credit rating as XXXX and XXXX, while Equifax gives me just XXXX! 
I tried to contact them, but their website and phone system are not designed to respond to complaints. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

On XX/XX/XXXX, an account was fraudulently opened in my name & social security number with XXXX XXXX. I was alerted to this issue by my credit monitoring service with Equifax. XXXX XXXX was contacted and the account was closed as fraudulent prior to the card being activated or used. XXXX XXXX communicated in writing on XX/XX/XXXX and indicated the above referenced account was to be removed from my credit report. The account has been removed however the inquiry, which I did not authorize, has not been removed from my Equifax credit file. I have disputed this issue with Equifax XXXX times and each time the result is as follows : '' We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor '' I have contacted XXXX XXXX and they indicate that they have informed Equifax to remove this inquiry and record on XXXX XXXX and can not do anything further and that I should contact Equifax. 
Equifax when contacted as per XXXX XXXX responds that they are unable to do anything and that I need to contact XXXX XXXX. The finger pointing has been occurring since XX/XX/XXXX ( 60 days after the official communication between XXXX XXXX and Equifax XXXX. 

I want this un-authorized inquiry removed from Credit Report as it has affected my FICO Score, decreasing it XXXX points on XX/XX/XXXX.
Complaint sub-issue: Frequent or repeated calls

The debt collector has been harassing me with multiple phone calls. Even went the extreme to start calling me on a 2nd phone number. I was interrupted at my work place over and over again. 

The most recent form of harassment was at my personal residence. A person ( not authorized ) or allowed in my secure resident building got into the building with out being buzzed in by me ( personally ) I am the only one that can buzz a person into my building with my cell phone. Apparently a person came to my condo door during the work day and knocked on my condo 's front door. The person tried to had off papers to a friend and that person said I will not accept any paperwork for my friend. Later, I found paperwork on my doorstep. The paperwork was not in an envelope. The person left small claims paperwork on my doorstep, open for any resident to read. This is an invasion of my privacy and I did not authorize a person ( s ) from Atlas to enter my building residence at XXXX XXXX XXXX XXXX. XXXX OR. XXXX ( XXXX XXXX ) I will say again my building is secure ( no doorman ) but we have locks on all doors including the garage doors and entrance through the garage into the lobby. No one is to tress pass or enter the building with out the resident letting a person ( s ) into this building. 

I believe the paperwork left at my door step is a form of harassment friend and to myself and I would like to file an official complaint against Atlas Financial Services.
Complaint sub-issue: Debt was paid

I set up a Home Depot Credit Card, which apparently is serviced by CitiBank, to pay for countertop installation. I have an excellent credit rating, or at least did when I got the card XX/XX/XXXX. I NEVER received the actual card AND when I got a phone call from some company ( I did n't know it was CitiBank then ) claiming to be Home Depot and stating that I was late on a payment, I called Home Depot. The people at Home Depot told me the company had sent my card to a PO Box in XXXX, XXXX that I had CLOSED XX/XX/XXXX when I MOVED to XXXX, XXXX. Home Depot could n't straighten out the problem, could n't tell me why they sent the card to a 15 year old address, and could n't even tell me what was going on. By the way, I had n't had the countertops installed yet and when they were installed, they did it improperly. I went to the Home Depot store in XXXX, XXXX to PAY OFF THE DEBT. The store manager could n't figure out what to do, but I spoke to the CitiBank company via the store 's phones. I CANCELLED THE CARD WHILE IN THE STORE ON XX/XX/XXXX. I tried to pay the ENTIRE debt in full, but the store manager could not figure out how to do that! ( seriously! ) One of the employees said she would " figure out '' how to do it and I could come back the next day and she would " have the bill ready. '' I went back the next day and the store STILL did not have my bill ready to pay and the employees spent 40 minutes trying to figure it out even though I told them to simply refund the money, recharge it and let me pay with a REAL credit card ( XXXX ). Finally, they did just that and I paid the bill in its entirety with a reputable company 's card. I have received collection calls ( documented ) from CitiBank FOR A DEBT THAT HAS BEEN PAID AND CARD THAT WAS CANCELLED on XX/XX/XXXX at XXXX ( XXXX ), XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and ( XXXX ). I received one other call from CitiBank for debt collection prior to XXXX ( which prompted my investigation ), but can not find the number and date on my phone. Each time I 've received a call, I 've tried to speak with a representative and the recorded statement is ( something like ) : " I 'm sorry, but we can not respond to your request. '' STOP THESE XXXX! HOME DEPOT WO N'T DO ANYTHING. THE DEBT HAS BEEN PAID IN FULL AND THE CARD WAS CANCELLED!!!!!!!
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX CA XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020
Complaint sub-issue: Debt was result of identity theft

Around XX/XX/2020 I checked my credit and discovered that a loan was issued in my name from a company called Payoff/Happy Money in the amount of XXXX. I made attempts to contact this company but never got through to anyone ( Possibly due to Covid 19 ). I then contacted the 3 credit bureau 's to dispute these charges directly. I have not nor have I every taken a loan out or had any business dealings with this company/organization ( PAYOFF/HAPPY MONEY ). Im not sure how my information was stolen but I did NOT authorize an loans in my name or on my behave. I contacted the XXXX XXXX police department and filed a formal police report
Complaint sub-issue: Problem lowering your monthly payments

I graduated in XX/XX/XXXX of XX/XX/XXXXfrom XXXX University with approximately 120K in student debt, approximately 85K of that with Sallie Mae, the rest with XXXX XXXX federal lenders. 

My payments for Sallie Mae started 6 months after graduation and fortunately I was able to find employment in my educational field ; however, my monthly payments started at {$940.00} ( four loans with interest rates averaging 8 % ). Even with the job in my educational field, it was nearly impossible to make those payments every month so I found myself going into forbearance every couple of months so I wouldn't mess up mine or my co-signers credit. Every time I would go into forbearance, my payments after forbearance would be higher than before AND my interest rates would increase every time. It is now XX/XX/XXXX of XX/XX/XXXX ( been struggling to make payments sine XX/XX/XXXX ) and I have used up all of my forbearance and my interest rates now average 10 %, and payments being {$980.00}. 

Last month I got an email stating that I had been qualified for " interest only '' payments for 12 months and they had failed to notify me. Even though I hate the idea of making interest only payments, I feel like I had no choice to opt in because I can't afford {$980.00} per month. So ... I call Sallie Mae and have them run through the numbers for me regarding how much my interest only payments would be and I almost fainted .... {$740.00} for JUST INTEREST starting XX/XX/XXXX. I am getting to the point where I just want to give up. How is it ethically possible for a company to charge that much interest for people who literally cant afford it and who keep calling month after month to get interest/payments lowered. I understand I have a responsibility to pay back my student loans, but not at a 10 % interest rate, which just keeps climbing. 

Unfortunately, I do not have all of the dates of the numerous phone calls I've made to them and how many times I've tried to get my interest lowered so I can afford payments ; however, I'm getting to the point where I can't even live a happy life anymore. And the thought of THIS being my life for the next 20+ year just doesn't seem worth it to me. There is no point in living when you can't actually live happily. I can't afford to feed myself let alone buy a house or start a family, etc. Even when I called Sallie Mae to go through my finances and was crying on the phone the person from Sallie Mae laughed over the phone and said " you're not going to like what I have to say '' and that was that. He refused to consider the fact that I need to go to therapy because I have been extremely depressed regarding my finances. He refused to consider the other debts that I have that I would like to pay off but can't because of Sallie Mae. He refused to show any kind of empathy for me and my 10 % interest rates. To me, this is EXTREMELY UNETHICAL. 

**NOTE - When I filed my taxes, I found that between my federal and private student loans I paid ( no exaggeration ) just over $ 13K in JUST INTEREST in XX/XX/XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

I opened the priority checking and saving account through the promotional link on the Citibank website on XX/XX/2021. 

XXXX XXXX XXXXciti.comXXXX  The promotion period is different now but it is the same offer that I signed up for. It states that I would be receiving {$700.00} cash bonus if I open both account and deposit {$50000.00} and maintained for 60 days. So I made the account and transfer the money and made sure everything is followed according to the fine print. 

A few months gone by I have not received the bonus. On XX/XX/2021, I contacted the bank through direct chat and the presentative said that I would be receiving the bonus cash on XX/XX/XXXX or before. On XX/XX/2021, I have not received the bonus and I contacted the bank again. The representative told be they would need to open a case for investigation. A week later, I received the case status stating that the no promotion associated to my account which contradict the fact I signed up through the Citibank promotional link and still no bonus. I contacted the bank via and spoke to the supervisor to no available. I would like to have my cash bonus and this issue disputed.
Complaint sub-issue: Their investigation did not fix an error on your report

I applied for an apartment in XX/XX/XXXX. A couple months later, I noticed that the background check was run two separate times, resulting as 2 hard injuries on my Equifax credit report. Early XX/XX/XXXX, I spoke with my apartment complex about the issue. They stated they were going through computer updates and it was most certainly a glitch that caused a duplicate request to be sent for a background check. The two background checks were completed right next to each other ( XX/XX/XXXX & XX/XX/XXXX ). They contacted the background checking company ( XXXX XXXX XXXX ) and they said I needed to contact the reporting credit bureau. I contact Equifax on the XX/XX/XXXX and initiated a dispute with a woman on the phone. Roughly a week and a half later, I was informed via automated email that the results of my dispute were available online, but was unable to access it through Equifax 's website. I called and spoke with XXXX ( spelling? ) at Equifax and was told there is nothing they can do to remove the duplicate inquiry without a Notice of Removal from XXXX XXXX I. I then called XXXX XXXX I that same day and they told me that Equifax was wrong and they would have their dispute department reach out to me within 24 hours. I then spoke with someone else at XXXX XXXX I a couple hours later when they called and was told they would reach out to me shortly but gave me my two dispute numbers for the two dates of inquiries ( XX/XX/XXXX : XXXX and XX/XX/XXXX : XXXX. I was then contacted by XXXX XXXX for the last time ( week of the XX/XX/XXXX ) and was told that the apartment complex needs to reach out to them. I spoke with the apartment complex that same week and they told me there is nothing they can do and asked if I contacted the credit reporting agency. I have gotten the run around multiple times, and just want to get this solved. Thank you for your help in advance.