Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't agree with fees charged

I would like to make an affordability complaint and refund of interest charges plus statutory interest and compensation due to these loans made available to me due to inadequate affordability assessment. 
I have only been made aware of this recently by reading on the internet web sites and I am persuing affordability complaints in the XXXX regarding my payday loans - full history is available on request. 
I was introduced to an off shore XXXX University XXXX based in the XXXX and was acceptable for a student loan through my XXXX school - office based in the USA : XXXX, Massachusetts XXXX, United States Phone : XXXX Fax : XXXX ; back in XXXX, I am not sure if this would be counted as a private student loan? 

Although I am a XXXX citizen since XXXX and resident, I had to get my cousin who is USA citizen to Co-sign for the loans x XXXX ( approx {$16000.00} x XXXX ) to pay for the education fees, which I am still currently paying off as priority, but with difficulty and do not wish to put this burden onto my cousin for falling behind on payments. 
This is causing severe financial distress and inconvenience, due to inadequate affordability checks prior to issuing the loans and also over the years this has not been checked. 
I was on forbearance for 4 years after graduating as I could not afford re payment and was unemployed during that time - XXXX - XXXX. I started repaying from around XXXX. 
No affordability checks were made prior to granting the loan, nor when I started to repay. 
The student loans were directly payable to the XXXX school from the American student loan company, so I had no access to the funds in any way to cover other educational expenses, which I had to take control of myself. 
I am also not happy with the customer service as I previously made a payment and I tried to delay it, but they banked the check, just to make me overdrawn and had to pay extra bank charges. 
Over the last 10years or so, I have been in considerable financial distress due to this and I had to take out many payday loans to cover my student loans as priority as my cousin in the USA is the co-signor and did not want it to affect their credit history, and everyday expenses. I had to continually borrow from many lenders to get by every month and deepened and spiralled into mounting debt, with financial XXXX. 
I therefore, as fair resolution, request a refund of interest charges plus accruable interest and compensation the way they have handled my loans disbursements without adequate affordability checks and credit file removed from the credit history.
Complaint sub-issue: Billing problem

I called in to ask to explain my interest charges varies up and down so drastically even when I pay extra. The supervisor explained the daily rate and how it is calculated. I the asked why does there portal state I do not have a payment due for 2 months. I thought that was very odd and very confusing. He stated I can pay but so not have to. I then asked why would that be. It feels they state this so I wouldn't pay for 2 months and would be charged {$280.00} in interest charges in XXXX. This message that is presented to me was made to confuse me and make me feel as if I am ahead of schedule. This feels like a very misleading tactic with no benefits towards the consumer. If they would leave my bill the same I would pay it as required by our agreement. This actually happened back in 2020 where I saw only {$100.00} was due. Now I understand they simply charged me more interest on the {$220.00} I didn't pay that month.
Complaint sub-issue: Account information incorrect

IC System had an open collection for XXXX XXXX XXXX for {$400.00}. They were sending notices to my old address and calling an incorrect phone number. As soon as I saw it on XXXX XXXX and XXXX XXXX I contacted them to resolve the issue. I paid the balance of {$400.00} and they sent me a letter stating that the balance is paid in full and will be deleted from my credit report but it is still on my report.
Complaint sub-issue: Information belongs to someone else

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

Hi I received my credit file in the mail and there are accounts listed that are showing negative payment history. All accounts should have excellent payment history and I talk pride in that. The credit bureaus have decided to ignore my letters requesting the correction to be made. The accounts XXXX XXXX and XXXX should have show EXCELLENT payment history, there are no late payments made. The XXXX XXXX account is definitely not a account of mine. I have no association to the to company at all nor have I ever.
Complaint sub-issue: Reporting company used your report improperly

In acordance with the fair Credit Reporting Act XXXX 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, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy. 
15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Complaint sub-issue: Account status incorrect

Ive contacted the frivolous fraudulent company so many times. They are reporting to my credit a suspended account with late payments and the account isnt suspended nor has it been late and I have the emails to go with it
Complaint sub-issue: Information belongs to someone else

Attached in this complaint should be an FTC report filed on the FTC website and a notarized FTC affidavit by law you are required to block the fraudulent account within 5 days while you investigate. I have been trying to get this issued resolved for a while now it has been very frustrating, I have been studying consumer laws I have also hired an FCRA attorney he advised me to sue but I want to make this last attempt to get this issue resolved outside of court. If this issue is not resolved in a timely manner and my dispute is ignored or the account is not properly validated, I will be forced to file a lawsuit against you and the creditor that extended the fraudulent account in my name. 
If you do investigate and claim this account is accurate or is mine, I need a written sworn statement from a senior officer under the penalty of perjury that this account does in fact belong to me and also the method of verification they used to validate the fraudulent accounts.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... HWARFIELD ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I don't think you can help me, but wanted this on record. Maybe it will help other victims. I've had several problems with my Citibank card getting hacked even though I rarely use the card ( it sits in a drawer as an " emergency '' card in case something happens to the card I use almost on a daily basis and never had issues with ). After not going online and looking at it for over six months, I noticed there was an unauthorized charge on the account for {$35.00} made in XXXX or XXXX. Citi has blocked my account, so I can't even access it now for the exact date. I called them in the beginning of XXXX when I logged on and told them it was a fraudulent charge. For six months, they kept charging me a late fee without notifying me. I never received a statement from them and didn't know about the charge until I went online to check my statement ( with plans on closing the card anyway ). They stated they would have someone contact me, but sent this charge to collections instead. Citibank needs to be investigated thoroughly. I don't have any problems with my other card that I use for online purchases, purchases in other countries while traveling and just daily use. The Citi card that sits in a drawer somehow has constant problems. I think someone inside the company is selling customer information. I have over XXXX credit, so this really won't affect me, but I know there are other people out there struggling because of the shady practices at Citi. Please help these poor victims who are suffering from the abuses of this criminal company. Thank you.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX CONTINUES TO REPEATEDLY CALL MY PHONE ALL THROUGH THE DAY SOME CALLS ARE RECORDED MESSAGES. 

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 AND THERE IS MORE CALLS TOO MANY TO LIST THEM ALL
Complaint sub-issue: Personal information incorrect

Equifax has no birthday on my credit report. They mailed me a report listing my birthday as XXXX/XXXX/XXXX. This is incorrect as when I try to apply for loans its like I dont exist. My credit report hasnt been updated with them since XXXX. How are they reporting information with the incorrect birthday? With inconsistent information how do they know these were my accounts.
Complaint sub-issue: Investigation took more than 30 days

I am writing due to non-compliance with Equifax, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Old information reappears or never goes away

XXXX, Equifax, XXXX XXXX reporting illegally aged account. 

XXXX XXXX XXXX  XXXX TRUST These agencies all show a loan from XXXX on my credit report, which was last paid on XX/XX/XXXX. There were no more payments after that date. The loan was sold to XXXX XXXX  within the past few years. 

This is an old debt, over 10 years old. The original loan company ( XXXX ) went bankrupt. 

But XXXX XXXX re-aged the debt to XXXX, and recently placed it at all 3 credit bureaus.. This is completely illegal, any debts with over 7 years since last delinquency, must be removed from credit report. 

This illegal reporting has ruined my credit and prevented me conducting business with certain companies.
Complaint sub-issue: Information belongs to someone else

the date XXXX 2020 this on my credit I want this off
Complaint sub-issue: Account terms

I have submitted the original dispute concerning XXXX XXXX XXXX account closed XX/XX/XXXX to Equifax. Eqifax may or may not be investigating, but they have as the result of my dispute submission placed misleading information on my credit report. One statement made on XXXX/XXXX/XXXX states : " XXXX days past due - XXXX XXXX XXXX XXXX ''. Another alert dated XXXX/XXXX/XXXX states, " XXXX XXXX XXXX has flagged your account as Not more than XXXX payments past due ( 2 ). Potentially Negative Alerts notify you when one of your accounts has information that may negatively impact your credit score. '' My original dispute was about the report from XXXX XXXX XXXX. After my house was destroyed by fire on XXXX XXXX, XXXX, I sent XXXX XXXX XXXX an insurance check which I had endorsed for the payoff of the mortgage. This check was mailed around XX/XX/XXXX. I continued to receive bills and past due notices from XXXX XXXX XXXX. Then in XXXX XXXX, I received a statement from XXXX XXXX XXXX showing that my payoff check went into an account they had established in my name without my knowledge or consent. At that time I contacted XXXX XXXX XXXX and was told that it was their policy to not accept payoff on a mortgage without a written notice from the account holder. I complied by sending a request for payoff. It is interesting that although the check was for quite a bit more than original payoff amount, I received no refund for the additional amount. They accepted the check without refund or asking for additional funds. I find that too strange for coincidence. XXXX XXXX XXXX XXXX should be able to verify that they did provide the check for payoff.
Complaint sub-issue: Attempted to collect wrong amount

A negative item appeared on my credit report stating an uncollected debt. I have no prior knowledge of the debt, and was never sent a bill or collection letter, EVER, for this debt. My credit score has declined as a result.
Complaint sub-issue: Unexpected increase in interest rate

My XX/XX/2018 bill indicated a balance of {$510.00}, due XX/XX/18, which I paid in full on XX/XX/18. Today, I received a bill for {$1.00}, due XX/XX/18. I paid it immediately, and then called XXXX to find out why I was charged more even though I'd paid the balance well before the due date, and there was no information on that bill which indicated anything about " residual interest ''. According to their " fine print '', there is no indication of charging a " residual '' interest rate. This had never happened before with this credit card company. I was told by XXXX that it was a " residual '' interest. Her explanation of that was insufficient, so I asked to speak with her supervisor. XXXX told me basically the same thing, but it still didn't seem like transparency was being used in their billing processes. I'm filing this complaint so other people who might have once trusted Citi, have a reason to do so no longer.
Complaint sub-issue: Can't use card to make purchases

I am a law abiding small business owner. Who is a proud supporter of our constitutional rights, these freedoms granted to us help our nation flourish. As a business owner I pay my fair share of taxes and it wasn't long ago that this bank got a bail out. I am extremely upset with they're new policy restricting me from buying guns with my credit card. Most stores don't like checks or XXXX dollar bills so what am I supposed to do as a consumer who wants to purchase these products? I feel this new rule is illegal and unconstitutional and I would like this decision to be reversed.
Complaint sub-issue: Information belongs to someone else

I have sent multiple letters to the credit agencies informing them to remove the collection from my report since I does not belong to me. I called XXXX XXXX  and they even confirmed they never had me in their systems.

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: Credit inquiries on your report that you don't recognize

I notice 2 inquiries from Equifax that I don't recognize, it was a total of 5 when I contacted Equifax but, 2 are still on the credit file. I did contact Equifax in XXXX of 2017. Equifax does not even have the contact information from the alleged inquirer, see attached screenshot.
Complaint sub-issue: Debt is not mine

I had an account with XXXX above 3 years ago that I had terminated. Upon termination I had my account sent to collections stating I owed money. I spoke with XXXX and they verified I did not owe and sent me a refund check. 

Since then I have had XXXX different collection agencies show up on my report showing this account. Each time I dispute the account and then months later another account from a different agency pops up. This is becoming a huge pain and I am having to regularly check my report just to make sure another collection agency has not been added. 

Clearly that original account was sold to multiple agencies and XXXX refused to notify them so now I am being bombarded with collection attempts for a dept that was proven not mine. 

Below are the XXXX collection agencies ; XXXX, XXXX, I.C XXXX Systems.
Complaint sub-issue: Reporting company used your report improperly

My information was improperly handled by Equifax resulting in potential for identity thief. My confidential information has been released due to their negligence.
Complaint sub-issue: Problem cancelling or closing account

I signed up for a 30 day trial for Equifax Credit Monitoring online for {$4.00}. I did this online. When I tried to cancel online within the 30 day period, there was no discernible way to cancel on their website. The only option was to email them through their " Customer Service '' links. I sent an email with my information using their online form. They failed to cancel and charged me {$19.00} following the 30 day period. I called Equifax to ask for a refund and they refused saying that the only way to cancel is to call them on the phone. They said this was to protect me, but obviously, all of my confidential information is on their website and the only reason to require a call is to make it more difficult to cancel. When I complained that I did cancel online through their own process, they refused to acknowledge this and refused to refund my money. They make it very easy to sign up online, but very difficult to cancel the same way.
Complaint sub-issue: Their investigation did not fix an error on your report

I have called & mailed letters to Equifax XXXX XXXX about XXXX accounts ( XXXX & XXXX ) that is being reported on my credit file that I have late payments on a charge off account. Both the " charge off '' and the " late payments '' reporting are inaccurate and have caused me extreme difficulties my everyday life. I have made several attempts to remind them of their duty of code 15 USC 1681a ( d ) which states as a consumer I am due, promised accuracy & fairness on my credit report based on federal law. per 15 USC 1666b late payments are illegal so are late payments. Per the IRS publication XXXX of debt are to be reported as income on on form 1099C. So why is income being reported on my credit report. a company can not report both income and a debt, I request them to remove these 2 accounts or update good standing as it is still reporting inaccurately. Plus all remove all old address my one and only address is XXXX XXXX XXXX, XXXX, NJ XXXX also to remove from my file any inquiry that is not attached to an open account.
Complaint sub-issue: Information belongs to someone else

I had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX Date:XX/XX/XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX DateXXXXXX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : XXXX {$75000.00} Account Name : XXXX XXXX XXXX XXXX   Date:XX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Date:06/01/2018 Amount : {$25000.00}
Complaint sub-issue: Can't stop withdrawals from your account

As I have documented in these attachments, my daughter was the victim of a fake check scam and Citibank did not employ its fraud protection tools when suspicious and unusual activity occurred on her account, but instead chose to use me as an insurance policy to minimize their financial liability. 
I was referred to your bureau by my NY State Assemblyman XXXX XXXX. 
A 14+ thousand dollar set-off was seized from my bank account after my daughters account to which I had been linked to, had on XX/XX/2019 an end of the day balance of XXXX  cents. After there were 5 sequential  daily {$9000.00} deposits that astronomically raised her average daily balance, there should have been a multitude of red flags raised that minimally would have reduced my degree of financial exposure. 
The system failed and Citibank was negligent in their ability to protect me from this unfortunate outcome. Others may have suffered the same wrongful fate and Citibank should be held accountable for NOT reforming their banking practices after they were forewarned by local law enforcement agents.
Complaint sub-issue: Debt is not yours

The aforementioned credit collection agency representing whomever your Client is has  violated the FCRA by not providing documents to me in regards to this debt. 
I am unaware of this creditor and have not received anything that pertains to this debt. 
This account is unverified and immediately needs to be deleted from my all credit files : Equifax. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately
Complaint sub-issue: Problem with statement of dispute

Had XXXX old accounts from credit card companies. By statute under FDCPA they are to come off after seven years from date of last payment. Both XXXX and XXXX removed the inaccurate data no problem. Equifax has investigated it for 30 days and reported the same information. I told them last payment on accounts was XXXX 2009 and asked them for proof from the collection companies who bought the debts. Both of them replied the date of last payment was different month. I again stated to Equifax to provide a payment history from date of default showing last payment. Both collections companies have not done this and frankly can not supply this information as requested,. 
If these collection com [ anise can substantiate their position fine, but nether one has the resources of information to back up their claims.