Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past 2 months I have sent 2 letters to the credit bureaus about accounts in collections. I asked for validation and original contracts for each collection. The accounts still remain and have not been fully validated.
Complaint sub-issue: Was not notified of investigation status or results

I am very frustrated because I have mailed the credit bureaus twice and they are ignoring me. There's information that is too old to be on my report and I want it removed. I tried in XXXX and again in XXXX and I have received NOTHING in response.
Complaint sub-issue: Seized or attempted to seize your property

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2019. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Key Bank was then given my information without my consent or permission Pursuant to 15 U.S. Code 1602 ( p ) then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt under FDCPA Section 809 ( b ) key bank continues to violate with collection activity and haven't validated anything they failed to provide authentic documentation which clearly indicated no such matter existed there are four elements in a lawful contract and there was no Full disclosure Equal consideration lawful terms and conditions and signatures of both parties they then repossessed the vehicle Breaching the peace in which they clearly had no intrest in pursuant to 1692e ( 6 ) 1692f and furnishing fraudulent documents defined in,15 USC 1692j FTC report # XXXX Attorney General Intake Reference Number is # XXXX they failed to include insurance pursuant to 15 USC 1605 and failed to disclose that pursuant to 15 USC 1635 i had a right of rescission pursuant to 15 USC 1692f ( 6 ) ( a ) ( b ) they are threatening to sell my vehicle in which is a violation I AM A FEDERALLY PROTECTED CONSUMER TEHY NEED TO FOLLOW THE LAW.
Complaint sub-issue: Banking errors

On XX/XX/XXXX I met with XXXX XXXX XXXX at the XXXX XXXX main branch located at XXXX XXXX XXXX XXXX. The meeting was to discuss issues with my accounts and some errors that occurred. I indicated that I was told by the banker that opened my account that my personal & business accounts were free due to my veteran status. It was at this time that my account was signed up for a debit card, checking account, and paperless statements. 

Account ending in XXXX was charged off on XX/XX/XXXX for an amount of XXXX of which XXXX was a charged off account fee and XXXX was " monthly maintenance fee ''. XXXX XXXX stated that " This was not an appropriate account due to my veteran status I should have had a " Platinum Money Market Account '' ( Consumer Pricing agreement attached ) This account came with no fee. She stated that " it is not necessary for a banker to ask every customer if they are a veteran. '' My bank statements confirm my customer segment as " Military ''. XXXX was unable to determine why I was charged a fee. I indicated that I expected the account re-opened and the fees waived as I qualified for a much better product that was more appropriate. 

Account ending in XXXX was charged off on XX/XX/31 for an amount of XXXX of which {$30.00} was " charged off account fee and {$15.00} was " paper statement fee '' I indicated this was incorrect as numerous statements i have received in the past showed a fee posted and credit back on the same day. XXXX was unable to provide satisfactory explanation for the situation. The attached document shows no monthly fee for the account. 

I spoke with XXXX XXXX on XX/XX/XXXX she indicated that the fees for the above mentioned accounts were waived. There was no explanation given as to the cause of the fees. She further indicated that US Bank would not be re-opening the accounts. I confirmed with her that even though US bank had grossly erred in charging me fees that were incorrect, and the negligence by the bank that caused me to be in an inappropriate account they would not be rectifying the issue. She confirmed and the phone call was ended.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this due to non-compliance with the CRA ( Equifax ). They have failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), which includes, but not limited to the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. The company came back and said that the accounts are accurate but have not produced any documents. I wrote them, along with a copy of my credit report outlining the inaccurate information. The only thing they did was send me another consumer report with the same information as before. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My confirmation # is XXXX Note : This is my second complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing discover with XXXX for a year now. They keep coming back the same day with a response. which let 's me know they have not done an investigation as they reported. The response says all inquiries are accurate and that they reached out to discover. They did not discover has told me numerous times that they have no account or application from me to have an inquiry. after I disputed XXXX discover they even sent a letter and now XXXX still doesn't have it. 30 days later.
Complaint sub-issue: Other problem getting your report or credit score

My car note was transferred over to XXXX XXXX XXXX In XXXX of 2020, and they have not reported to the credit bureaus. 

I called XXXX on XX/XX/2020 and was told that everything had to be communicated through the mail and there was not an option to talk to anyone or email anyone about the issue. I had to mail my information in along with my full Social Security Number in the mail. I asked if i could give just the last 4 and was informed no. I was told that due to high call volume the dispute department only communicates through mail, and a response will be sent 30 days after the date that they receive the dispute. 

I understand that it is against the law to open up others mail if it is not yours ; however, not everyone follows the rules of the law. I do not feel comfortable mailing out my full Social Security number with the possibility that someone may get it other than XXXX XXXX. I also dont know why they have not reported not one payment that we have made to them to the credit bureaus for 3 months now. If they had ran into an issue at all they have my email address and physical mailing address. I never received any documentation indicating that they did not have our SSN 's to  report to the Credit Bureaus.
Complaint sub-issue: Didn't receive terms that were advertised

Signed up XX/XX/2019 for MoneyLion after seeing Pave the Wave bonus ( XXXX XXXX XXXX  ). 

Opted into promotion and set up direct deposit during XXXX. Received direct deposits XX/XX/2019 for {$3500.00}, XX/XX/2019 for {$3100.00}, XX/XX/2019 for {$3100.00}, XX/XX/2019 for {$3100.00}. This meets the offer 's qualifying Terms and Conditions " To be eligible to receive matching contributions, participants must be in good standing with MoneyLion and must maintain direct deposits of at least {$500.00} per deposit ( after tax withholding ) ( Minimum Deposit ) into their MoneyLion Checking Accounts at all times after opt-in and through the date of the matching contributions, as described below. '' Timing of Matching Contributions states they are to be awarded 90 days after initial deposit ( XX/XX/2019 ). Called customer service on XX/XX/2019 and again on XX/XX/2019. Latest call informed me that because there were intermediate deposits of small amounts ( {$0.00} and {$0.00} on XX/XX/2019, {$0.00} and {$0.00} on XX/XX/2019 ) I was disqualified.
Complaint sub-issue: Public record information inaccurate

I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit bureaus and they came back stating that they have verified this account with you. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character.
Complaint sub-issue: Reporting company used your report improperly

I put a credit freeze on my Equifax credit information yesterday as well as the other two bureaus and was charged {$10.00} for both XXXX and XXXX freezes. The Equifax website confirmed that I was impacted by their breach. I should not have to pay for their poor data hygiene. I spent 30 minutes doing this.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  Account XXXX Has Violated the FCRA sec 623 ( a ) ( 1 ) ( b ) the law clearly states and I quote Sec 623 ( a ) ( 1 ) ( B ) If a consumer notifies a furnisher that the consumer disputes the completeness or Accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing NOTICE OF DISPUTE The credit reporting agency violated my rights under 15 USC Code 1681i ( a ) ( 1 ) ( A ) I disputed this Twice for failure to put by law the the required Comments NOTICE OF DISPUTE on this account. they gave me, this information is accurate which in fact is inaccurate. I gave them two opportunities to Delete this account for being Inaccurate. to this day it has been ignored or disregarded I demand immediate removal of this account. 

Attached consumer reports screen shots to prove the failure of NOTICE OF DISPUTE is not on any consumer reports since disputing started on this account.. 
LISTED BELOW ARE THE DATES the CRA COMPLETED their so called investigation in case they pull a fast one and say I never Disputed the account Complaint ID XXXX against XXXX XXXX  XXXX XX/XX/2022 Complaint ID XXXX against Equifax Completion date XX/XX/2022 XXXX ID XXXX against XXXX XXXX  date XX/XX/2022
Complaint sub-issue: Billing dispute for services

TO WHOMEVER IT MAY CONCERN ; This is about Consumer Credit Transaction entered with your Company dated ( XX/XX/2022 ) and I extended your organization the credit for the account number ( XXXX ). 

I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the Cardholder.

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ). 

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, I therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to remove the below-mentioned information from my Consumer Report : Account name : XXXX XXXX Account Number : XXXX Account opened : XXXX XXXX, 2022 Balance : {$250.00} If you accept my request, I will not escalate this matter to a federal court. In case you do not accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter Sincerely, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I submitted a request to investigate certain accounts on my XXXX and Equifax reports. I submitted my first request on XX/XX/2021, I did not receive a response from either bureau and so I then sent a failure to respond letter on XX/XX/2021. I never received a response to that letter either. These issues are extremely frustrating as these errors are drastically affecting my lively hood and holding up my home buying process. 

I would like to file a complaint against both XXXX and Equifax for failure to respond to both of my requests.
Complaint sub-issue: Don't agree with fees charged

On XX/XX/XXXX, I consolidated my subsidized and nonsubsidized Stafford student loans through XXXX ( XXXX ). I signed a contract for consolidation because the fixed interest rate would reduce from 2.875 % to 1.875 % after 48 timely monthly payments, which it did during XX/XX/XXXX by Nelnet, who became the loan servicer XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from Nelnet indicating that my interest rate was " adjusted. '' Upon an online review of my account, I noticed that the interest rate increased back to 2.875 %. I called the customer service number three times and was informed that effective XX/XX/XXXX my student loan rate was increased by 1 % to 2.87 %. The Nelnet representatives informed me that I was no longer eligible for the reduced rate because of an error. I requested specifics and was told that no further information was available. The representatives refused to allow me to speak with a supervisor. 
The attached documents clearly support my narrative. Should you require additional documentation, please let me know. Thank you for your assistance in this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a natural person, knowing my full rights. Equifax has supplied the following inquiries on my credit file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The stated inquiries are in violation of my rights under 15 USC 1681 and I DID NOT at any point give permission to perform these inquiries and I did not perform these inquiries at any point.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was 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 accounts that are reporting on my Credit Reports : 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 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 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Bought a car from XXXX XXXX XXXX XX/XX/XXXX. Paid on the car for a year and it had serious mechanical issues so traded the car in at XXXX XXXX for loan with XXXX. XXXX has pulled hard inquires on my credit every 3-6 months since I 've traded the car. And recent found that the published my full ssn address dob and other personal docs on a public site where anyone can search and just look up my information. They pulled my credit again XX/XX/XXXX. Not sure why this company is still pulling my credit and reporting incorrectly on a traded car. I 've made calls and get the run around or say someone will call back no one calls back. So I 'm unable to find out what 's going on with this company. Never reported one payment I made and new dealership should of closed the loan. If not where is the car and why does it still show I owe over the balance of the original loan with them. Can provide web search where it has company letter head my personal information on request. Also able to provide credit reporting on request.
Complaint sub-issue: Public record information inaccurate

on XX/XX/2018 I received a report from the lexisnexis company that explained the furnisher of their information was XXXX, and included their contact info. I received the attached email explaining their process for releasing information and how I can see the information being released. I then registered and found that te information that lexisnexis is providing in their report of me is inaccurate and I demand to see the docket report or proof of the information they provided to the national credit bureaus under my name and government issued social security number. the two bankruptcy cases being inaccurately reported under my name is XXXX, XXXX,
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX 1 XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXXXXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Trouble with how payments are handled

My loans are now in default, but when I graduated and began repaying I would pay more than the monthly payment and AES would never credit the extra paid to the principal of the loan. They always put the extra on the next month 's payment. The fact that they applied money to the next month and not to my principal is illegal. I called them numerous times ( which I documented ), called the Department of Education to complain, and would even write on my checks, " The extra money should be applied to the PRINCIPAL of the loan. '' I tried to file a complaint with the Ombudsman at AES and never could get a satisfactory response. I eventually quit paying on my loans, because AES raised my monthly payment, and the principal amounts on the loans was never decreasing. I even contacted a lawyer about this situation and turned over copies of all my documents. By the time the lawyer got back to me and told me that I had a case, I had already quit paying my loans payments. The situation is a mess and has ruined my credit. I have no way of repaying any of it at this point, because I live in poverty and barely make enough money to pay my bills.
Complaint sub-issue: Funds not received from closed account

I am submitting this complaint against US Bank due to the disparate treatment that I have experienced in reference to my account closure. While I understand from the replies ( verbally ) that I have received from multiple Bank Representatives that all accounts that I currently have, 2 checking accounts, and one savings account, are being offset due to an overdraft amount in one checking account ( 2nd account ), I was also informed that when my Federal Pension is deposited - the one checking account that is overdrawn ( 2nd account ), that account will subsequently give the Bank authorization to hold my Federal Pension that is regularly deposited into my original 1st account. In addition, I was informed that the Federal Funds will have to be verified before release, and once released, the Bank will process a Cashier Check within 10-15 days for mailing. Specifically, this information was provided to me by the US Bank Risk Department that is handling the closure. I am not in agreement with the Bank 's decision to hold my Federal Funds, as these Funds are verifiable. This is my income that has been deposited to this Bank for over 10+ years. If I do not have my Funds released, I will ultimately be late with my Mortgage Payment, Insurance, etc., and I will hold US Bank accountable for the distress, and damages that will occur because of their action. Accordingly, I have reached out to the local Branches to speak with Branch Managers, District Manager Assist, Operations Manager, and Representatives/Supervisors at the US Bank Call Center. I have been given different dialogues, as well as being pawned off to different departments. For example, the Risk Department advised me on many calls to reach out to the Branch Managers that oversees each particular account, when I do so, the Branch Managers tell me that, that is the wrong information and they can not do anything about it, and go back to the Risk department that is closing the account. This type of activity has taken place for one week when I have tried to reach out. While I understand that the Bank has made a decision to close the account due to the overdrawn status and subsequently, my mishap of resolving the overdrawn amount, by no means am I inagreement for the Bank to withhold my Federal Pension. When the Bank offsets my account, they should re-coup what is owed to them, and release my Pension Funds immediately at time of Federal Pension deposit, minus the off-set. Additionally, I contacted my Federal Pension Personnel Department in XXXX XXXX to report the matter, and I was advised, the Banks action is illegal, and advised what steps to take to report and file. Furthermore, I also request the Consumer Financial Protection Bureau to assist with outreach of my complaint for direct resolution. Thank you.