Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I had an account with Upgrade and paid it in full on XX/XX/2022. Prior to the account closing I was on a hardship plan and no payments were ever missed. Upgrade has sent two credit correction letters to the credit bureaus to have my payment history corrected. Both times the correction was made, but I am having this problem again this month. Why is Upgrade still reporting anything on me and my account is closed and was closed last month when I reported the same issue to them. If my account is closed Upgrade should not be reporting anything to the bureaus, but they continue to do so and it is affecting my credit score
Complaint sub-issue: Problem during payment process

To get around the provision of the CARD Act of 2009 that allocates payments to higher interest charges, Citibank is charging the same interest fee for cash advances and new purchases. 

This allows them to avoid allocating my payment to the cash advance, and instead they allocate to new charges that are not yet due. This results in an outstanding cash advance, which they then charge interest on monthly until my account balance - of all charges from past months and the current month not yet due - are paid in full. I think this is in violation of the spirit of the act, but ok, maybe that's just how banks and credit card companies get around the law to make money. 

But it should be illegal because they are charging me interest after I paid the balance due in full each month. ( This is because they allocated the cash advance amount to new charges that have been made since the account closed the prior month. ) I have loved my Citibank card and its effective customer service and fraud protection but not anymore.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 31 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.
Complaint sub-issue: Was not notified of investigation status or results

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The status is incorrect for the following account XXXX XXXX XXXX Please supply information on how you verified this account. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
Complaint sub-issue: Their investigation did not fix an error on your report

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had my identity stolen by someone and had made several hard inquiries which I had never authorized.
Complaint sub-issue: Card opened as result of identity theft or fraud

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

FRAUDULENT APPLICATIONS SUBMITTED TO XXXX XXXX XXXX, XXXX, XXXX AND XXXX XXXX ON XX/XX/2021. 

XXXX APPLICATION WAS SUCCESSFUL AND WAS CHARGED {$200.00}. 

OTHERS DENIED. 

4 FRAUDULENT HARD CREDIT INQUIRIES ON MY CREDIT REPORT AND NEED TO BE REMOVED.
Complaint sub-issue: Reporting company used your report improperly

I have reached out to XXXX, XXXX, and Equifax regarding the inaccurate information on my reports and the tell me the accounts have been verified without providing any information as to how it was verified. 

I have explained to all three credit reporting agencies that this is a violation of the Family Educational Privacy Act of 1974 in which they would not share my information with any third party affiliates. That is also a violation of the Privacy Act of 1974, 15 USC 1681s-3 It is also Illegal to report transaction history
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Debt is not yours

I was hospitalized with XXXX ( XXXX XXXX XXXX ). While at the hospital, doctors ordered a XXXX  with XXXX. The XXXX XXXX billed me for the charges. I contacted them as well as my Health Insurance company, XXXX. XXXX rep told me that these additional charges are not valid and they have responded to the provider. The provider instead sent it for collection.
Complaint sub-issue: Impersonated an attorney or official

There were multiple issues performed by this debt collector. To begin with I got a phone call from this debt collector in which I did not answer. They called from a phone number in XXXX and claimed to be an investigator calling on behalf of XXXX XXXX XXXX ( my county of residence ). She stated that because I have failed to call her back after multiple attempts ( though I have never once received any voicemail or call from this number and can provide phone records to support that ) that she had no choice but to proceed with a detainment order with a court appearance. My voicemail is clearly set up where I state my name therefore there is no confusion as to whether they have the right number. I then received a phone call almost immediately from my mother stating that she received a phone call from the same woman with the same threat left on her voicemail. It is my understanding that a debt collector is only allowed to call a family member if they are unsure as to how to reach the person who has the debt. On top of that I also was under the understanding they are to share no information whatsoever especially the same threats of me getting detained. When I called the number back the same woman answered and never once identified herself as a debt collector but instead stated I owed money. I was frustrated because I believed this to be a debt I had paid to a law firm already and the woman then stated I can contact the company it originated with to verify the debt. When I told her that I was not going to pay something twice she then said she is going to proceed with the detainment and will notify the original debtor and then hung up on me. When I called back the same woman again answer and was very belligerent with me. I asked multiple time for a supervisor while she talked over me before finally sending me to a supervisor. The supervisor was a little more helpful but again never once did either of them identify themselves as a debt collector and it was not until I asked if they were one that they told me so. When I contacted the original company the debt was with they in fact told me it was still outstanding but stated that the company that the woman who called me claimed to be from was no longer in business and that that debt was sold to another company that they are unsure of.
Complaint sub-issue: Public record information inaccurate

This is not my bankruptcy i submitted all necessary documentation BUT EQUIFAX have not yet to responded the paperwork used to verify this ... First they said in XXXX 2017 this was verified via XXXX XXXX, which could not be mine accurately because my files are suppressed since XXXX of 2017 .... Second they said verified thru federal court BUT per letter submitted the courts VERIFIED THEY DO NOT GIVE INFORMATION TO CREDIT BUREAUS .... THEREFORE THEY HAVE VIOLATED FCRA and not given my investigation PROPER DUE PROCESS
Complaint sub-issue: Problem using a debit or ATM card

I was alerted to a fraudulent charge made with my Citibank ATM card on Sunday,XX/XX/2018. The charges had been made on XX/XX/2018. I spoke to someone in the Citibank Fraud Unit. My card was cancelled, and a new one was issued. I received the new card on Tuesday. The representative from Citibank gave me a case number. We discussed all charges made over the weekend and I informed her of the charges I had not made. Today is Wednesday and the bank has still not credited me with the disputed amounts. I have had other payments returned by the bank for insufficient funds, and have been charged, by the bank, with fees for returned checks. I have called at least 6 times and I get the same patronizing response.. that they can not provisionally credit me while the " pending charges '' from the merchant have not been finalized in some way. In the meantime, my money, {$200.00} and {$400.00}, to XXXX XXXX XXXX in Tennessee ( I live in New York ) and XXXX to XXXX has been deducted from my checking account and unavailable to me, until Citibank deems it appropriate to credit me. I believe that this is a policy that puts the ( possibly complicit ) merchant in greater control of my money than myself. While the merchants determine what they will do, my money is gone. How is it that a bank as large as Citibank can ignore the trust that, I, as a client for 24 years, have put in their bank, to protect whatever money I deposit with them. I bear no responsibility in this situation, my card was not lost or stolen, it was " hacked '' somehow. The bank noticed the fraudulent behavior ( much to their credit ) yet still refuse to reimburse me immediately for these charges. I am not a wealthy person and I can not afford to be minus {$800.00} for all this time. This has created a hardship situation for me as I have many bills to pay. I am filing this complaint because I truly believe this is an extremely unfair practice and in violation of my rights as a consumer and long term client of Citibank.
Complaint sub-issue: Didn't receive notice of right to dispute

State Income Tax Balance Due Garnishment Order : Account No. XXXX Tax years : XXXX, XXXX Balance : {$21000.00} as of XX/XX/XXXX US Bank has notified me by their letter dated XX/XX/XXXX, received on XX/XX/XXXX that XXXX XXXX California Franchise Tax Board had by their Tax Balance Due Garnishment order Account No XXXX for tax years XXXX, XXXX to withhold {$21000.00} from checking account No. ending with xxx XXXX maintained by me and my spouse XXXX XXXX XXXX. Accordingly they withheld {$210.00} and reported have mailed to XXXX on XX/XX/XXXX after taking their charges. 
We had by our letter dated XX/XX/XXXX informed the Bank that the funds remaining on the account is the Social Security XXXX granted, since year XXXX and that no other income or remittance are there, as we had to close down our small business and had to approach Federal Agency for our survival without any assets or income. We understand by the law, financial institutions have no authority to withhold any sum from the accounts that have only Federal supporting remittance. We may be allowed to state that the funds remained in our checking account is the savings for our Funeral fund and that is saved from the Federal benefits received directly in that account, we still wonder what is their authority to hold funds from that account while the law is specific about, as we understand. We are still awaiting a response from the Bank, presume they have no one above to question their unlawful performance. 

We also wrote to them on XX/XX/XXXX requesting them to provide us our consent to such withholding funds from our checking accounts, but so far no response from the Bank. 

Sincerely appreciate your assistance in resolving our jest issue. 
XXXX
Complaint sub-issue: Information belongs to someone else

REPORTING XXXX XXXX DATE OPENED : XX/XX/2018 account on my report.
Complaint sub-issue: Trouble with how payments are handled

Good Afternoon, I sent Discover Student Loans a message inquiring about how much interest I was being charged per month. I explained to them, I did the daily simple interest method. For my loans, right now using that method, I 'm being charged around {$1.00} per day which is fine and that amounts to around {$35.00} per month in interest. 

I do n't understand how I was charged {$70.00} in interest for XX/XX/XXXX. I made two payments, one on XXXX/XXXX/2016 for {$640.00} and another on XXXX/XXXX/2016 for {$540.00}. The amount of interest that would have accrued between those dates would have been around {$24.00}, not {$70.00}. For the months prior to that, I 've averaged around {$35.00} per month. 

The second issue, I pay interest monthly through my statement, and thats the {$35.00} or {$70.00} as seen above, now my overall balance is also increasing daily by around $ XXXX- {$2.00}. So not only am I paying interest monthly on my statements, but I 'm also paying interest through having my balance grow. It seems to me, I 'm being double dinged on interest. 

Can you please research this or look into this for me? If interest was incorrectly calculated, can they apply that to my principal balance. For this loan, I originally took out {$26000.00} and my balance today is {$14000.00}. So far, I 've paid a total of {$21000.00} on this loan. ( {$15000.00} has gone towards principal and {$6600.00} has gone towards interest. ) So, if we were to minus the XXXX ( that has gone to principal ) out of the original balance not including interest, my balance today would be {$11000.00}. And that does n't include the {$6600.00} that was already paid to interest. 

Can CFPB or Discover please help? 

Thank you.
Complaint sub-issue: Was not notified of investigation status or results

I consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.
Complaint sub-issue: Other problem getting your report or credit score

Not too long ago, i attempted to apply for a credit card and on XX/XX/2021 i was told that i have XXXX credit ( on equifax ) so i am unable to do so. This is not the first time i was told this. Over the years only my XXXX XXXX score will show up so it looks as if i have no credit. This has stopped me from acquiring a car, loan, home, etc. without a co-signer.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX, about several issues not updated in their report for credit card balances, this particular card showed XXXX balance on a XXXX credit limit. When my balance was XXXX. I filed disputes with them. XXXX contacted my credit card company Citi Finanacial and asked them to lower my credit limit to XXXX, when I have not ever been late on, then updated my balance. Which would drastically lower my credit score, instead of raising it.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XXXX  to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of erroneous items that are reporting on my credit file : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Problem with fees

Klarna continues to act as if they are not receiving my payments and adding reminder fees to my account. I have sent screenshots of payments that were sent from my bill pay account and the dates they were sent but they continue to act like they didnt receive the payments. In the last complaint I filed, they still denied the payments received. I have called them and emailed multiple times and they do not respond.
Complaint sub-issue: Account information incorrect

XXXX XXXX/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XX/XX/2019 and reported as paid if full on my XXXX, Equifax and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX  Manger and Equifax Manger confirming all student loan accounts along with premier bkcrd and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, Equifax, XXXX  and XXXX XXXX/Department of education started to report the accounts that showed paid in full closed XXXX and XX/XX/2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request. 

ALL PACKETS AND DOCUMENTS SENT CERTIFIED
Complaint sub-issue: Information is not mine

Equifax is continually violating my rights under the Fair Credit Reporting Act. They are not taking complaints filed against them with the Consumer Financial Protection Bureau seriously. I am now asking that the Consumer Financial Protection Bureau gets involved in this situation. I have filed this dispute on several occasions and Equifax just keeps updating my credit report with the same information. They did this again on XX/XX/XXXX. These items were no longer showing that a re-investigation was in progress when I went to their website this morning. They also added back a collection that was recently deleted. I just went to the website and re-disputed the following items : XXXX ( Balance {$150.00} ) XXXX ( Balance {$160.00} ) XXXX ( Balance {$160.00} ) They recently added the following collection back to my credit report after deletion : XXXX ( Balance {$24.00} ) I ask that the Consumer Financial Protection Bureau gets involved in this immediately, as I have been dealing with this issue with Equifax since XX/XX/XXXX. I have provided information by certified mail ( return receipt ) and online that shows that I have been in Chapter XXXX bankruptcy since XX/XX/XXXX and all accounts that I had were included in that bankruptcy. This is preventing me from getting a XXXX formed that is needed immediately.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do n't recognize inquiries on all  XXXX  credit burea I filed on  XXXX   XXXX  and  XXXX   XXXX  have not applied for anything on fix income spoke with all  XXXX  bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best  XXXX  bless you
Complaint sub-issue: Investigation took more than 30 days

Equifax has Deleted my whole credit report and when I called they said we are aware of the problem. I was voicing my concerns when the Representative had said, " Well maam the longer you keep me on the phone the longer it will be to fix the problem '' I mean I've Never been so upset with someone in my whole life, Equifax Information Services, LLC. has Deleted my entire payment history showing that my credit score dropped XXXX points. 
Please have them restore my good payment history I am attaching the import I received from my credit monitoring company.