Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

On XX/XX/2021 I elected to close my Heath Care Savings Account ( HSA ) with Optum Bank. The account with Optum was established when I was working with a former employer. 

I wanted to move the funds to XXXX XXXX where I currently have an HSA account. 

To start the process, I called Optum Bank and ask for directions and they told me to contact the XXXX XXXX and start the process. 

XXXX XXXX contacted me today about the transfer and I learned that the process has not been completed. 

Calls were made ( three ) to Optum Bank to determine what the issue ( s ) were and I learned that the paperwork was not received, XXXX XXXX sent the paperwork over within a few days of receiving my competed paperwork. 

I then reached out to XXXX with the fax number and an Email to resubmit the paperwork.
Complaint sub-issue: Can't decrease my monthly payments

I am the co-signer on my daughter 's student loan with Sallie Mae. She applied for the loan to attend XXXX University. While there, it became necessary for her to transfer to XXXX University in XXXX, WA because of the rising costs of attending XXXX. She was supposed to have a two-year grace period after she graduated, which occurred last XXXX. SM made a mistake in the process, and told her that her grace period had expired!! Since then they have been constantly harrassing both of us. The payments they want are way beyond our ability to pay. She is a XXXX in WA. SM and XXXX are demanding {$1500.00} per month. We have repeatedly tried to work out a reasonable rate of payment but they have refused to do so. This has severely impacted my credit, it went from XXXX to XXXX in less than a month. In addition, they have called my cell phone even after being told to stop. Also, my work phone. I am ready to provide more detailed information, this is just a synopsis of what we have been going through since last XXXX 2016. We are willing to pay the debt, we just want something that resembles a manageable amount.
Complaint sub-issue: Problem with fees charged

Mechanics Bank XXXX XXXX bank are horrible and must be stopped!! 

1 ) They changed my due date while on autopay and continued to charge me late fees for months and never notified of this when I had alerts turned on for this and other reasons. 

2 ) I paid my loan in full after getting payoff on XX/XX/2023 and XXXX days later was charged again for different regular payment amount that I did not authorize. I have now been charged late fees for other charges. 

The bank 's systems do not work or work in the bank 's favor to generate illegal fees and/or extra payments they get to keep to generate revenue from interest. 

This bank must be stopped and/or audited severely. I'm seriously considering a class action on these clowns.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax and XXXX are redlining my credit profile. These Bureaus are at fault for reporting account information multiple times. 
In XX/XX/2021 I closed 3 account on my profile. XXXX, XXXX XXXX and XXXX. All of these accounts reported on the date that they were supposed to report in XX/XX/2021. The credit Bureaus all increased my score across the board. On XX/XX/2021 XXXX sent an alert that my score had gone up from XXXX to XXXX because an account removed a delinquency from my report. XX/XX/2021 Equifax updated my score by XXXX points from XXXX. On XX/XX/2021 Equifax sent an alert that a high utilization had decreased and my score had went from XXXX to XXXX. On XXXX XXXX XXXX reported that my score had went from XXXX to XXXX because a collection account was removed from my profile. On the same day Equifax lowered my score from XXXX XXXX XXXX.Equifax did not provide a reason for the change. On XXXX XXXX XXXX sent an alert that the balance on my bank card has DECREASED causing my score to drop from XXXX to XXXX. The same day XXXX sent an alert that the balance on one of my accounts decreased by {$85.00} causing my score to increase 55 points to XXXX. On XX/XX/2021 an alert from Equifax that my score had decreased from XXXX to XXXX. On the same day XXXX sent an alert that my score had dropped from XXXX to XXXX. On XX/XX/2021 Equifax sent an alert that my score had dropped from XXXX to XXXX. No explanation was given. On XX/XX/2021 Equifax sent an alert that my score had went from XXXX to XXXX without any explanation. On the same date XXXX sent an alert that my score had dropped from XXXX to XXXX no explanation was given. On XX/XX/2021 XXXX sent an alert that my score had decreased from XXXX to XXXX no explanation was given. On XX/XX/2021 Equifax reported that XXXX XXXX had reported that my account was closed and in good standing. Equifax lowered my score from XXXX to XXXX. On XX/XX/2021 XXXX reported that an account balance had increased by {$75.00} which caused a change in points from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that an account on my profile had been updated as ( Paid Loan ) from XXXX. XXXX is not a loan it is a line of credit. XXXX lowed my score by 20 points from XXXX to XXXX. On XX/XX/2021 Equifax sent an alert that XXXX had updated my account as closed and paid as agreed dropping my score from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that my score had dropped from XXXX to XXXX because XXXX reported that the account was closed at my request. These Bureaus are REDLINING my credit! I have no collections or bankruptcies. I have reached out to each bureau to get a reasonable explanation as to the dramatic drop in points in the course of 2 weeks. No explanation was given. I am filing this complaint because there is no official way to complain directly through the bureaus. I am requesting that a formal investigation be preformed.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act, these inaccurate accounts have violated my rights. Please see below : XXXXXXXX XXXX XXXXXXXX - XXXX - please Delete this account for violation because the date of last activity is reporting inaccurate dates. 

XXXX XXXX  - XXXX  - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

XXXX XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

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 a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Has violated my Rights. 

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 a account without written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive disputed with XXXX, equifax and XXXX about XXXX XXXX on my credit file, XXXX the FCRA they have not provided me any documentation on file to verify that the information is mine and correct, I have written this company 2 times. I have disputed with the collection agencies XXXX XXXX XXXX XXXXXXXX XXXX XXXX also.These companies have failed to provide me any evidence, beating my signature, showing that the account is being reported accurately. All they have provided me is a copy of a bill. Per the FTC a printout of a bill or itemized document does not constitute verification. please help me resolve these issues that I am having. 



The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I discovered a discrepancy on my credit report and I notified Equifax, that there was an open charge account for XXXX XXXX that was not mine. I notified XXXX XXXX  which is the holder for XXXX XXXX and they stated there was no open account for my name and social security number, but it's an open charge with Equifax. I do not have an open charge account with this company and have made no purchases. I need this to be corrected and removed from Equifax.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX, I opened a checking account with US bank and made a deposit of {$1500.00} by a check from my byline bank account. However, the check was returned on XX/XX/XXXX, because XXXX XXXX made a mistake to reject the transfer of {$1500.00} from my saving account with it ( when I had {$2300.00} in my account ) to my checking account with byline bank, which was supposed to cover the check that I deposited with US Bank. 

The check returned caused my checking account with US bank to be - {$19.00} because it charged {$19.00} fee for the return item. On XX/XX/XXXX, I deposited {$20.00} in cash to bring the balance to positive. On XX/XX/XXXX, also I deposited {$600.00} in cash and {$2300.00} by check to the account. So the balance in my account has been {$2900.00} since XX/XX/XXXX. 

On XX/XX/XXXX, US bank informed me that it was in the process of closing my account because of the suspected irregular activities and ATM and debt card were disabled ( I couldn't withdraw any money from my account and it also blocked my access to my account online ) but it would send me a cashier 's check for the balance ( {$2900.00} ) within 15 days once the deposit items were verified, which should be before XX/XX/XXXX since the {$2300.00} check was cleared on XX/XX/XXXX. 

On XX/XX/XXXX, when I got the letter from the bank, I went to its branch to show the evidence to prove that the check returned was caused by emigrant direct 's mistake and I had no fault on it as it was totally out of my control, but the bank said there was nothing it could do to stop the process. 

On XX/XX/XXXX, when I needed to use the money, I went its branch again and it told me that it had closed the account and sent out the check of {$2900.00} on XX/XX/XXXX. 

On XX/XX/XXXX, when I didn't get the check that US bank told me was sent out on XX/XX/XXXX, I called US bank, but it told me that my account was still in hold and they didn't know when the process would end exactly. 

It didn't do anything wrong. I never had any negative banking or credit history and US bank knew it, but it closed my account based on a mistake caused by another bank and froze my account since ever for no reason ; I never owned it money.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Equifax XXXX XXXX XXXX sent XX/XX/XXXX & XX/XX/XXXX Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/XXXX & XX/XX/XXXX Accounts : XXXX XXXX  XXXX XXXX XXXX ( Late Payment On Closed XXXX & Paid Off Account Only Shows On Equifax Report - Late Payment Forgiveness Letter Sent XX/XX/XXXX, XX/XX/XXXX - Inaccuracy ) XXXX XXXX XXXX ( Late Payments Only Shows On Equifax XXXX XXXX Report - Inaccuracy ) XXXX XXXX XXXX - {$1000.00} XXXX XXXX - {$820.00} XXXX - {$2100.00} XXXX XXXX  - {$3500.00} XXXX XXXX  - {$460.00} 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX, & Equifax, continues to report 2 dismissed XXXX XXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed XXXX does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers XXXX, XXXX, XXXX
Complaint sub-issue: Problem with personal statement of dispute

I have a dispute with XXXX XXXX Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : XXXX # XXXX XXXX : XXXX XXXX Dispute Amount : {$170.00}
Complaint sub-issue: Personal information

names for reporting are not mine. I am XXXX XXXX XXXX. please remove all other alias names.
Complaint sub-issue: Information belongs to someone else

XXXX is the problem. I am a victim of identity theft. I submitted to them a police report and an FTC Identity Theft Report detailing the fraudulent accounts. 

XXXX  is refusing to remove a fraud account from Discover credit card. 

XXXX is the account number in XXXX and it shows {$4500.00} Both XXXX   and XXXX have followed the law and removed this item after I submitted a police report about identity theft as they should. 

XXXX  will not follow the FCRA and remove and block the item with a police report. 

I then did a credit freeze on my XXXX account. XXXX  responded by notifying me via email that they were raising the price of my account. I believe they are retaliating for me freezing my profile to punish me. I was upset and decided to cancel my account. 

I proceeded to try to cancel my XXXX  account, and ran into more fraudulent activity from them. While my profile online clearly states my membership status, fee and billing date, they do not allow you to cancel online in a convenient way. Their automated phone system would declare that I had no membership and would hang up without letting me cancel. I called several numbers listed on their website and always was directed into a dead end automated system with no human available as an option. They do this to prevent you from being able to cancel and keep billing you. I finally had to choose an option about a child and identity theft in order to get to a person, and it was a person in an office in XXXX XXXX named XXXX who finally was able to cancel the membership for me.
Complaint sub-issue: Reporting company used your report improperly

I went to a car dealership name XXXX XXXX XXXX XXXX XXXX XXXX they agreed to rum my credit XXXXne time when i left the dealership i found out the was running my credit behind my back alot of times.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.
Complaint sub-issue: Other problem getting your report or credit score

I have not been able to obtain my credit report from Equifax since XX/XX/2022. When trying to retrieve and update it continues to say I have a blank file, and nothing is there. When I called Equifax, they asked me questions to verify my identity based on my Equifax history. When the customer service rep tried pulling my credit report, it said blank as well. They told me they will put a ticket in, and I will get an email in 72hrs when the glitch is fixed. Nothing has changed. I called again, and same thing. They will put in a ticket. Here it is months later, and still a blank file. I have multiple loans that have been reporting, and I just want to be able to pull my credit on my own again and apply for a loan without these ridiculous issues.
Complaint sub-issue: Account status incorrect

I called Elan Financial approximately 1 month ago asking why they still had not reported my credit card account as being closed. The agents both told me that I needed to write a letter to their Collections department somewhere outside of their company headquarters, because supposedly the two departments have nothing to do with each other. That explanation makes absolutely no sense whatsoever-if Elan 's regular customer service department has access to our account info, then that means they have the ability to communicate with their Collections department on their own. It is not the customer 's responsibility to fix his or her credit report. They obviously reported my account as late-they can go ahead and report the closure as well. They are the party who closed my account-NOT ME! By Elan refusing to report my account as closed, they are able to continue adding interest charges and late fees onto my account!
Complaint sub-issue: Company closed your account

On XX/XX/2022, I went to deposit a state rebate check issued to me. As I utilized the drive through to make the deposit, the manager from that branch was handling my deposit. He refused to cash my check because the check was under my married name. When I let him know that my valid ID has my married name, he refused and stated that its not valid. He would only cash it if I gave him my marriage certificate. He refused to let me show him my military ID with my maiden name on it. And he was being very rude to me from the start. So that same day I called the bank and filed a complaint. And today, XX/XX/2022, I received a letter in the mail from him saying that hes closing my account at that bank. I feel like he is retaliating against me and from the start on XX/XX/2022, I was being discriminated against by him. I had to deposit my check via the app and it went through no problems.
Complaint sub-issue: Deposits and withdrawals

I deposited my pay check into the Atm and it ate the check. I went inside and the teller was going to go into the atm and retrieve the check when the bank manager stopped her and said they had to do a report. He was very rude to me. I called customer service and couldn't understand the woman not could she understand me. She did say they would do a report and investigation and contact me in 48 hours. It has been 2 weeks now and nothing.  I went to the bank today and talked with manager and " there is no record of any transaction" I took the paystub that showed the amount and check number. She was rude and had an attitude with myself and my mother who went with me.  Basically wanted us to do their job which duh I can't do!  The original date when the atm ate the check  was around XXXX XXXXAlso. The day Ameris took over XXXX my bank card was in a glitch,. Our car was in the shop and I had to XXXX to work. I couldn't XXXX as they froze my card for no apparent reason. As a result I lost my job missing work due to this.  They did however fix the card issue when I called them .  Excuse for card not working was the change over from XXXX XXXX to new owner Ameris. Then they loose the deposited check.
Complaint sub-issue: Information belongs to someone else

I don't know if PHEAA is federal or private, but they just popped up on my credit reports on XXXX, 2021 with a massive debt. This account is not mine and needs to be removed.
Complaint sub-issue: Account status incorrect

My Discover card is a card I seldom use, and as a result, I don't check the balances as often as other cards. This card was charged by a merchant incorrectly and as a result, the bill was not paid and resulted in negative reporting against my credit report for the months of XXXX, XXXX, XXXX, and XXXX of 2018. When I contacted the merchant they claimed responsibility and refunds were issued back to the original charged card, the Discover in question. I opened a case with the office of the president to get my credit profile updated with the proper information and they still have yet to do it.