Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with rewards from credit card

I received a corporate credit card from Citi XXXX XXXX back in XX/XX/2021. Along with the card, there were multiple packets included with it with various travel programs & benefits : baggage insurance, travel accident insurance, etc. One of the prominently featured benefits advertised was a XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. The fine detail said that after a XXXX check program was purchased, the account would be credited within 2-3 statement cycles ( 6-8 weeks ). The {$85.00} I paid for pre-check never came off, and by XXXX there was still no credit and Citi requests me to pay the balance. The payment portal has no dispute or message feature to inquire or provide proof of purchase either to request the credit. I finally called Citi and asked why there is still a balance and about the program, and they insisted it must have been a benefit advertised by my company and no one has heard of the program including the supervisor on duty. I called the number on the back of my card : XXXX I don't think it's responsible for Citi to advertise these benefits and claim to have no knowledge of it later. I would not have purchased the XXXX Pre Check had I not been led to believe it as a benefit. Thankfully, nothing happened on my trip to require travel insurance or an accident benefit, as it would seem that Citi would similarly deny any such program existed. At a minimum, an email or payment portal message of some kind or even a letter should have been sent if program benefits have changed or expired in anyway. I have scans of the physical documents that accompanied my card including the terms and conditions of the advertised program.
Complaint sub-issue: Add-on products and services

Recently I learned that Citi is stripping almost all of the benefits from their credit cards, such as car rental insurance, return protection and price rewind. They promised these benefits when I signed up for the card and they should not be able to be removed in such an arbitrary and harmful manner. Citi is showing itself to be a poor corporate citizen who is unconcerned with the welfare and wellbeing of its customers.
Complaint sub-issue: Right to dispute notice not received

A company called Enhance Recovery Company supposedly representing XXXX put a collections on my credit report at of XX/XX/XXXX saying they purchased a bill XX/XX/XXXX from XXXX which was allegedly from XX/XX/XXXX I have never received any communications from XXXX with threats of collections for a past due account and I have never received any correspondence from this collection company ERC they have violated section 809a of FDCPA. I still have not received any written or verbal communication from them and XXXX can not find this account that I am supposedly liable for I have had XXXX for 4 years as an individual account so this is ridiculous and has negatively affected my credit
Complaint sub-issue: Account status incorrect

My vehicle loan is thru XXXX. They are reporting the loan as open and current however Equifax continues to report this loan as Closed. The issue started about 6 months ago. I would dispute and it would get corrected, however it has now been reporting closed since XXXX 2021. XXXX has tried to get it corrected but the issue remains.
Complaint sub-issue: Account status

I had an account with people 's trust federal # XXXX that is listed on XXXX and Equifax as a charge off account even though it has been paid. This account was paid 8-9 years ago and should not be on my report any more. I have disputed it several times to no avail. They have come back and stated that this account was verified but when i ask either the creditor or the credit bureaus for proof of the last date of activity i never get it. 

i 'm hoping you can help me resolve this as this is hurting my ability to obtain employment
Complaint sub-issue: Account information incorrect

Duplicate collection accounts from one collector show up on all three reporting agencies, Equifax, XXXX and XXXX. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report
Complaint sub-issue: Account information incorrect

MY CREDIT CARD APPLICATION WAS DISAPPROVED OF TOO MANY INQUIRIES. 

THE LAST XXXX INQUIRIES WERE ALL FOR THE SAME REASON TO THE SAME PLACE. 

XXXX XXXX, XX/XX/2022, XXXX XXXX, XX/XX/2022, XX/XX/2022, XXXX XXXX, AND XX/XX/2022 ARE ALL FROM XXXX XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ********* ( copied from the affidavit attached ) *********
Complaint sub-issue: Account status

Reporting information from XXXX is incorrect. The original account was from XXXX. It was sold to XXXX and they are reporting an open date of XX/XX/XXXX when the actual date for the first collection was XX/XX/XXXX. This account is for early termination of service contract and not for the services provided. I did the dispute but the collections company and the credit reporting agencies will not change the incorrect information.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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: Their investigation did not fix an error on your report

In XXXX I had a credit card from Discover and in XXXX attempted to make a payment over the phone to a representative and gave him my account number and he confirm the payment. I was under the impression that my payment went through as the representative said that it went through. A couple weeks later I got an email from Discover stating that my payment was not able to be found with the account number. And because of that as you can see on my credit report that my payment was 60 days late. I attempted to make a payment as Discover told me that I called and spoke to a rep on XX/XX/XXXX which is about two weeks before the closing cycle. I made the attempt to make the payment and gave the accurate information to the representative and it is not fair that as a borrower I am paying the consequences of a late payment which I tried to make. I am not accusing the representative over the phone of putting a wrong Account number in but Im saying that Errors do happened in these types of Computer related transactions. I tried to dispute this in XXXX but I had no success as I dont believe that experience really went into debt to really understand what exactly happened on that day because after going into much detail today after calling I found out new information that the account number that I used to pay my bill was ending in the last XXXX digits of XXXX. This is kind of ironic because my account number ends the last XXXX in XXXX. I know that there was a mistake made and I have not changed my account number since and with this new information I strongly can confirm that a typo was made or a system had a glitch. You can see as clear as day that I attempted to make a payment and that is on their call log. Unfortunately they are not able to pull the call from the representative or from the manager at the current moment because the first rep the call can not be found and the second call with the manager he know is no longer with the company and it is not able to be pulled by a general consumer. This small late payment on my credit has really made life hard for me. And dont think its fair that I am paying the price an error on discover. I am even more disappointed that XXXX decided to open an investigation and not dig a bit deeper into the actual situation to confirm what actually happened. Because if they did actually look into it and pull the calls which most likely were not done due to the fact that theyre not available to the general public. Then it would be very apparent that I made an attempt to make the payment and I did give the correct information over the phone and the only reason that it was late was because there was an error in the payment that was made.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and CFPB are unresponsive to my complaint. I keep sending numerous sets of letters to Equifax so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX  XXXX
Complaint sub-issue: Debt was paid

This company is trying to collect a debt i paid and it was 10 years ago. They won't supply me with the documentation that I asked for from the original creditor. This debt was paid and has reached its statue of limitations.
Complaint sub-issue: Their investigation did not fix an error on your report

MY XXXX XXXX ACCOUNT HAS INCORECT BALANCE INFORMATION. PLEASE UPDATE THIS ACCOUNT INFORMATION.
Complaint sub-issue: Was not notified of investigation status or results

I have 3 accounts that I have been disputing with the bureaus continuously since XX/XX/XXXX! For this timeframe, they have not removed the account or done anything to help me. Then, during my last 2 sets of letters that I submitted to the bureaus ; they did not even acknowledge those disputes at all! I sent a set of letters on XX/XX/XXXX and again on XX/XX/XXXX, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them and it's already XX/XX/XXXX ).
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  XXXX XXXX {$820.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  {$950.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX  {$2000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   {$340.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   XXXX {$940.00}
Complaint sub-issue: Debt was result of identity theft

This debt collection I have no clue about or where it has come from. I have never done any business with this company, they are threatening to put this on my credit report. I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX / XXXX Account # 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint, against Equifax ( Credit Reporting Agency ), after exhausting all other avenues of resolution. My complaint is in regards to a particular tradeline that appears on my account for an unknown medical collection account. The tradeline is as follows : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Account # XXXX I have engaged in the following correspondence with Equifax. : XXXX/XXXX/XXXX : XXXX XXXX to Equifax, requesting VERIFICATION of the above account with XXXX XXXX XXXX. I requested the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. XXXX/XXXX/XXXX : Response from Equifax. Equifax responds by UPDATING this unknown account to reflect a {$0.00} balance, and a change in address. Reporting it as a Paid Collection. I wrote to the reporting CA requesting validation and received no valid response XXXX/XXXX/XXXX : Letter to Equifax, notifying them that this account is disputed, and providing them with a copy of my letter to the CA XXXX/XXXX/XXXX : Response from Equifax requesting further information from me, which I provided in the previous correspondence already. XXXX/XXXX/XXXX : Follow up Letter to Equifax with information they requested, concerning this dispute. XXXX/XXXX/XXXX : Received response from Equifax, notifying me of the need for the VERY INFORMATION I SENT THEM. It is CLEAR that they made no attempt to properly investigate or verify this account, or produce any documentation that shows that the reporting CA had any right to report on this unknown medical account. They have FAILED in their responsibility to me as a consumer with respect to their FCRA practices. In a phone call with Equifax about an unrelated issue, the Representative informed me that for THIS tradeline, they had no documentation which would authorize them to report on this account, based on any legitimate claim by the CA. Nevertheless, the tradeline persists on my report and has done SEVERE damage to my creditworthiness at a critical time. At this time this unknown medical account appears ONLY on my Equifax report.
Complaint sub-issue: Old information reappears or never goes away

1 ) I have sent letters to the credit reporting agencies : Equifax, XXXX, and XXXX, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.
Complaint sub-issue: Debt is not yours

I got hurt at work in the summer of 2019. I tore the XXXX and XXXX in my XXXX XXXX. My medical bills were covered by occupation accident insurance which covers 100 percent of my medical expenses and pays me for my time i am not able to work. I went to XXXX XXXX in XXXX XXXX Michigan. Its part of XXXX hospital and i went to physical through XXXX hospital. All my dealing were with XXXX health i got a call from a debt collector earlier this year claiming i owed XXXX XXXX money. I have never heard of XXXX XXXX. I have never dealt with them. Turns out after some research XXXX buys some medical equipment from them. They bought my XXXX XXXX and of course charged me for it and they got paid by my insurance. But they put it in my name on the bill to and I had no clue then they didn't pay the bill. I have not signed or authorized anything. Now this debt collector is trying to get my to pay the bill.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Account status incorrect

My account was in forbeatance but my credit report for that time period shows late payments I tried co texting the loan provider to get it fixed and they said they dont correct information with credit reporting agency. I tre IED credit reporting agencies and they didnt change it either
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX BANK XXXX of XXXX XX/XX/XXXX ''
Complaint sub-issue: Trouble with how payments are handled

Great Lakes Student Loans has been servicing my federal loans for several years now. I have been making large, timely monthly payments for the past two years. At the beginning of XXXX, with enough money saved up, I decided to pay off my smallest federal student loan. I called Great Lakes customer service and woman explained to me that I would have to make an online payment, but that she would make a " note '' in my file for how the payment should be allocated to the smallest loan to pay off the balance. She told me this would take XXXX5 business days. I checked one week later and my payment had been allocated equally among my XXXX federal loans. I called the Great Lakes customer service department again where a woman explained that sometimes it can take up to 10 business days for this to be allocated correctly, but that it would be allocated to the correct account going back to XXXX XXXX. 

I checked this morning and saw that while Great Lakes had allocated my payment to the correct loan, they had taken out my monthly payment from the large loan payment made on XXXX XXXX, despite the fact that my monthly payment was not due until the middle of the month. I called the Great Lakes customer service department AGAIN, when a customer service rep tells me that we ALWAYS have to make the monthly payment PRIOR to making ANOTHER payment to pay off a loan. Not only had this not been communicated to me EITHER time I called, Great Lakes informed me that this " monthly payment requirement '' is counted by the MONTH and NOT the billing cycle. So, even though I had made a $ 500 monthly payment in the middle of XXXX, since I wanted to pay off my loan on XXXX XXXX, I would have had to make ANOTHER {$500.00} payment in XXXX in addition to the {$4000.00} payment I had planned to make to pay off my loan. This is high way robbery of students who are working hard to pay of their loans ON TIME and AHEAD OF SCHEDULE. It is n't enough to not " communicate '' these necessary pieces of information. In order to FULLY pay off the loan, I was forced to pay ANOTHER {$360.00} TODAY. 

I expected so much more of a company that is servicing federal student loans. This is absolute XXXX that I have to call a company FOUR times to properly apply MY payment to the appropriate loan. Meanwhile, making hundreds of dollars of interest in the " confusion. '' Great Lakes MUST change this. Students should be allowed to pay off the balance of ANY loan at ANY time and not jump through rings of fire to do so. They need to change their website so that students can select which loan they want to pay-off and give them the capabilities to do so. Great Lakes needs to apparently TRAIN its customer service representatives so that they know " key '' pieces of information like the calendar month payment requirement. 

It truly is unbelievable how difficult this process was and all I was trying to do was pay-off the balance of XXXX of my loans. Great Lakes should be be ashamed.
Complaint sub-issue: Debt was result of identity theft

This debt dose not belong to me I disputed this debt I sent multiple letters to the companies to remove it from my credit report.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I was on the Discover credit card app regarding a current card. One of those suggestions came up saying to apply for a credit card and THAT IT WOULD NOT AFFECT MY CREDIT REPORT. I continued with the application based on that disclaimer because I did not want a hard inquiry on my credit report. I continued the process and hit the submit button. Automatically I received an email from XXXX  that I had an inquiry from Discover. I contacted Discover and they said that the initial request would not prompt an inquiry but completing the ENTIRE application would and there is nothing that they can do about it. This is the epitome of bait-and-switch and I would not have applied for the credit card if they : 1 ) had not suggested it 2 ) said that it would be a soft inquiry.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX, I disputed {$240.00} illegally charged without my consent for title and tags on a used vehicle I purchased. On XX/XX/XXXX, Discover rejected my dispute based solely on a signed receipt from the dealership. Accordingly, I faxed a more detailed letter with affirmed facts demonstrating clear and convincing fraud in the inducement as well as fraud in the factum. Discover refused to consider this additional information. Moreover, I have the right to an appeal to the dispute panel under the terms of my credit card but Discover is illegally stonewalling my attempt to continue the dispute.