Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Unable to open an account

I applied for a checking account with First Horizon Bank on XX/XX/2020 and was immediately denied for their free checking. They use a system known as XXXX  to measure worthiness of banking with this institution and provide a score and report based off of several factors. The reasons listed from First Horizon that I was denied the ability to open a checking account were 1. TIME AT CURRENT ADDRESS 2. TIME SINCE NON-DDA INQUIRY ACTIVITY 3. ASSET OWNERSHIP HISTORY 4. NON-DDA INQUIRY OR RETAIL ITEM HISTORY. I immediately ordered a report from XXXX  to discover that there are few incorrect pieces of information on the report, but otherwise nothing negative. I was given a " wealth index '' score and scored low due to the fact that I own no property, I have no other derogatory marks. I called the local branch and asked them to explain to me why I was declined. The person I spoke with asked to see the reports and after looking couldn't really say much of what was wrong other than the line that says " non-derogatory marks '' which for me is listed as " 4 ''. I asked if non- meant something I am unaware of because non- to me means " not '' derogatory so I still did not understand why they were declining me for a simple free checking account. She ended up being over the conversation and said that she was sorry, due to their regulations there was nothing she could do to open a bank account for me. She stated directly to me that they do not serve customers who " have mismanaged their finances '' and who have " poor credit. '' I am not a person of color, but I am young and I have little wealth. Thus, this institution has determined I can not bank with them and they will not look at my personal situation and road to recovery to do so. I would bet a ton of money on the FACT that the majority of the people they decline would lie within certain regions, be of certain wealth levels, and include a majority of people of color. XXXX  goes further than a soft credit check and contains inaccurate information that is nearly impossible to dispute, the branch was unempathetic to this and as I mentioned, went as far to insult my past claiming it as irresponsible, and further denying me a chance to bank locally.
Complaint sub-issue: Frequent or repeated calls

Multiple calls when due for a payment up to 7 times per day. More recently they called my father 6 times in 2 days between XXXX/XXXX/15 and XXXX/XXXX/15 concerning a payment that is not due until XXXX/XXXX/15. They did not call me at all. My father called me and relayed the message to me. When I called them at XXXX the rep was confused and said " uuum I think this was a courtesy call ''. He confirmed the due date was XXXX/XXXX/15 but could n't give a definitive explanation for the calls.
Complaint sub-issue: Problem with fees

What I was told over the phone by mangers and representatives changed several times and none of them matched what the manager, XXXX wrote in the letter XX/XX/XXXX.  Citi Bank did tell me that only two late fees were added to my account one of {$27.00}, one of  {$37.00}. However my regular monthly payment is {$68.00}. For the month of XX/XX/XXXX XX/XX/XXXX I was charged {$150.00}, and {$190.00} which is more than one late  fee each time. I did make payments during both those months and called the bank. When I did call the reps I talked to did not give me the accurate information regarding the late fee. XXXX claims she finds no records that is not my fault the reps did not note the record of the call. 
According to what XXXX wrote is not what I was told about the first late fee and when I spoke to the manager that time. My payment was not applied to the next month that was why she would not waive the late fee for XX/XX/XXXX. According to XXXX the fees were for XX/XX/XXXX XX/XX/XXXX. 
Both times I had called the bank when I made the payments. The first time I called I was locked out of my account online and was trying to get the system to fix it you have to wait 24 hours once locked. Yes I did not call right away, I was very busy in school and am a student. That is when XXXX XXXX says I got the first late fee. I did tell the rep that I was locked out of my account she said she would put the request. After both times I spoke to reps they said it would process in a couple of days. 
I know the second time I made an inquire in possibly XX/XX/XXXX I was lower on money. I made a second payment one month for {$20.00}. I had a direct conversation with the representative asking her what was the remaining amount I needed to pay to pay my balance as I was under the impression the late fee was being waived she told me {$20.00}. I did pay the amount needed to make the payment for XX/XX/XXXX in time according to the representative but the rep gave me the wrong amount otherwise {$5.00} is not that much more and would have paid that. 
The late fee with the min payment for the month should have been {$88.00} but I was charged way more than that since I paid over {$300.00} for two months of payments. I have made all regular payments and did make payments during those months.

Again if there is no record of the fee discussion or reversal it is not my issue that the rep did not record it as I discussed it with two different people and when I called. I had to pay the account to avoid getting more late fees.

Citibank says I was charged only two late fees, however the min payments for those two months were {$68.00}, x2, + the two fees would equal {$200.00} not over $ 300.Not only is there clearly a communication issue and the reps did not note the account however i also got billed a bit more and I feel that is unreasonable. Just because the reps did not note it does not mean that I did not discuss it. Maybe you need to ask the rep that I spoke to why they didn't? While you claim it is just two late fees that would be a full total in fees of {$64.00}.
Complaint sub-issue: Other problem getting your report or credit score

I have attempted multiple time to get my consumer reports from Lexis Nexus, XXXX, and XXXX XXXX. I can not get them to provide me copies of my consumer reports.
Complaint sub-issue: Other problem getting your report or credit score

I filed a dispute with Equifax - from my understanding complied with the terms of my dispute and updated my credit file. The issue has now become I do not have access to my updated credit score, nor my updated report showing the new report after the completed disputes. Every time I call in to get an updated score or have a report sent to me they try to sell me credit monitoring and other services to show me my report. Due to the nature of the dispute I should be able to see updated information using their free login once everyday.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX Account # XXXX XXXX  XXXX, XXXX XXXX, XXXXXXXX  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  XXXX, public record bancruptcy XXXX, has violated my rights .

15 U.S.C 16811 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: Information belongs to someone else

My identity and personal information was stolen in XX/XX/XXXX. For months, I have battled phone calls from creditors and collections for accounts that were not opened by me. I 've had to work with these companies in order to close these fraudulent items. I have also had to file identity theft affidavits and police reports in order to get these things off my report. This has caused a huge amount of emotional turmoil in my life because of the fraudulent information showing up on my report. I am filing this complaint because there is a total of 31 inquiries on my Equifax credit report that I never made nor authorized. The person or people who stole my information have been making credit applications all over the place which has negatively affected my score. I am including a copy of an identity theft police report from the XXXX XXXX Police Department with more details on my identity theft. The following inquiries need to be deleted immediately as it was someone else who stole my identity that was making them : XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX - XX/XX/XXXX, XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,  XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX
Complaint sub-issue: Debt is not yours

XXXX XXXX Hospital sent me to collection for XXXX that I do n't owe them. I tried to contact them to have them send me a contract stating why owe them when they were taking money out of my account every month.I gave the dog away and they still thought I was suppose to pay them for a dog I no longer had I want a contract stating I owe this amount with my signature I want this account removed from my account IC Systems XXXX XXXX 2016, is the collection agency I want removed
Complaint sub-issue: Information belongs to someone else

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

COLLECTIONS XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4500.00}
Complaint sub-issue: Was not notified of investigation status or results

I have sent several notices to ALL 3 Reporting Agencies as of XX/XX/XXXX and have YET to hear from ANY OF THEM. I sent other notices after and still NOTHING. This informatios is INCORRECT and hindering me from obtaining a HOME PURCHASE. It has been well over 30 and 60 days now.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account/Reference # 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 my written instructions
Complaint sub-issue: Information belongs to someone else

XX/XX/2018, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.
Complaint sub-issue: Banking errors

PNC Bank had committed fraud with my account # XXXX. They have lost my money over {$2500.00}. They do not have a withdrawal slip. I have contacted the bank manager as well as their conflict resolution person, XXXX, phone number XXXX. 
I want the return of the stolen money. Refund {$2500.00}. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

On XXXX XXXX, 2017 Sallie Mae withdrew {$670.00} from my bank account unauthorized. My loans were approved to be in forbearance until XXXX XXXX, 2017. {$150.00} was taken for the forbearance on XXXX XXXX, 2017 and applied across my loans, confirmation was given. The additional money the took unauthorized cause overdraft fees totaling {$100.00} dollars. <P/>Sallie Mae agreed to refund the money but it will take at least 2 business days leaving me with no money for gas or food. I am currently 3 months XXXX and they have cause extreme hardship and XXXX. They also refuse to pay two further overdraft fees they caused due to over drafting my account. The total over draft fee they refuse to pay is {$180.00}.
Complaint sub-issue: Not given enough info to verify debt

I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY EXCEPT FOR THE MONTH THEY RECEIVED THE VALIDATION LETTER SO THEY REPORTED PAYMENT FOR THAT MONTH OK BUT HOW ACCOUNT CLOSED 10 YEARS AGO. ONCE THEY DONE THAT NOW THE ACCOUNT IS REPORTING CURRENT BUT THE ACCOUNT AGE IS NOT AS OLD AS IT SHOULD BE SINCE THEY REPORTING CURRENT GIVE ME SOME AGE HISTORY IS THE ACCOUNT IS CURRENT. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO
Complaint sub-issue: Didn't receive enough information to verify debt

Balance is XXXX to different collection agencies. Was paying the hospital XXXX a month and they still sent me to collection I didn't know this and want to know where the money went that I was paying a month never received anything from the collectors cause I thought I was in good standing cause at least I was paying something towards it and now they are on my credit reports in collections. I don't think it's right since I was paying and they debt was only 4 months old before sending it to collections. Now I'm getting phone calls at all hours of the day everyday from collections
Complaint sub-issue: Information belongs to someone else

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT. 

I sent your bureau a dispute letter in regards to these accounts on XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2018. I have not received report and XXXX is over the time frame required to submit report to me. Please refer to the attached XXXX  XXXX dispute letter sent to them.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX Personal Loans Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX/XXXX XXXX State Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  - CARD SERVICE National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry.
Complaint sub-issue: Debt was result of identity theft

Since XX/XX/2021 I have attempted to obtain resolution from The Bureaus INC., regarding an alleged owed debt that is a result of fraudulent activity. The organization continues to send me copy of bills as debt validation. As a victim of identity theft I am requesting the original contract with my wet signature. Such documents do not exist because I did NOT authorize this account or the purchases made.
Complaint sub-issue: Public record information inaccurate

I've sent several letters to the CRA '' S concerning incorrect and unverifiable public information. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX or XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX  does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the courthouse and they assured me they do not report full social security numbers to third parties or make social security numbers public records. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy you must verify with the actual furnisher of the information. The law is very clear and states from the date of adjudication or date of order of relief. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. You have injured me in so many ways I can not count! See attached letter from the court!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I wrote to the credit bureaus twice in XX/XX/XXXX requesting they send me supporting proof of documents, such as, written contract with my signature, complete payment history, ect. The credit bureaus could n't send me anything, but reported back to me that US Bank stated that account amount was correct, and verified. <P/>However ; US Bank also did not send me any supporting documents to me to support their claim. Therefore ; I sent two certified request letters to US Bank first one on XX/XX/XXXX, and second one on XX/XX/XXXX ... Yes, nearly 8 months later, and still no proof documents. US Bank missed the 30 days cut off on the first letter. When they did sent a reply it was under XXXX XXXX XXXX instead of their name, and no agent or manager put their name of it by writing their name on the letter nor did anyone from that company signed it. <P/>They also disrespect any certified letters from consumers because they use an ink stamp " Data & date '' no name or signature on certified return mail. No reply letter & no supporting documents. I reminded them they are violating FCRA section 609 & 611, 15 USC 1681, for reporting incorrect, and unverified consumer account info to credit bureaus without any proof of their claim. Therefore ; by law US Bank must delete the whole account on all credit bureaus immediately. <P/>Also, US Bank has for years been reporting incorrect and unverified account info to credit bureaus without reporting also on the credit bureaus that this account is in dispute ( It is still not reported as disputed account which falsely keep my credit scores low, and harm my creditworthiness for life ). I tried to call them on the phone XX/XX/XXXX after waiting 2 weeks after my 7 days deadline. As soon as I explain to agent what going on and my rights the agent/s transfer me several times without trying to help me delete the account off my credit reports. <P/>After being transfer 4 times and XXXX hang up, I called back just to be transferred to voice mail saying leave a message and state your problems and we will call you back when we are open ... I called on a Monday at XXXX XXXX PST or XXXX XXXX CST ... For Pete 's Sake! They were not close, but they were playing games with consumers to harassed and oppressed them into giving up. I hang up and now I am writing your agency to me to get US Bank to completely delete all unverified account # XXXX off credit bureaus thanks.
Complaint sub-issue: Account status incorrect

I filed a police report, called the Company ( XXXX ) to dispute, called Equifax in regards to this matter, and sent dispute letter.
Complaint sub-issue: Talked to a third party about my debt

I was billed twice the normal amount for a XXXX and way overcharged for a consultation for the procedure. My insurance company would have paid all if their billing department would have billed it as my normal 10 year check up. For some reason they would not. I asked for it to be fixed they turned it over to collections. I asked to speak with the doctor about his excessive bill and he would not discuss with me. That bill was also turned over to collections. I told the collection company that i was disputing the bill by letter. They still sent the information to the credit reporting agencies. My credit has been damaged.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Report improperly shared by CRC

Without my knowledge someone has attempted to reach into accounts and use my social security number for their use. I demand a dispute on that person whose has been using my information. For the last year someone has been messing with my social security number. This is the first time I am actually trying to contact about this. It has been going on for a while and I thought it would just go away