Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

I received unwanted debt collection calls ( robocalls- ( XXXX ) XXXX ) from Citi in the first week of XX/XX/2019. 

Transcript : Hello this is Citibank calling with important account information on your Citi Bank Card but I'm going to read it is by no you open a minute to XXXX read and if this is XXXX XXXX   XXXX press one should you be disconnected at any time during this call we can be reached toll free XXXX if not Frist to please make your selection now I'm sorry I did not understand that response please try again but I'm going to read it is by no you open a minute to XXXX XXXX and if this is XXXX XXXX  XXXX Press one if not Frist to please make your selection now I'm sorry I did not understand that response please try again but I got. 
( https : XXXX ) On XX/XX/2019, I spoke to a Citi credit card customer service agent. He confirmed that Citi sent out automated calls to remind customers ' of payments. 

I have not given Citi permission to call, and I have asked to be removed from your list. TCPA law prohibits telemarketers, banks, debt collectors and other companies from using robocalls to call you on your cell phone. Companies that violate the TCPA can face lawsuits and other penalties. Violations of the TCPA include : Robocalls to cellphones Telemarketers and solicitors can not call your cell phone using automated pre-recorded messages or robocalls. 

I'm sending this letter to stop receiving future robocalls from Citi.
Complaint sub-issue: Old information reappears or never goes away

I checked my credit to see a collection account from Enhanced Recovery for XXXX XXXX. This is incorrect reporting and I want to take action. I paid my final bill with XXXX and returned the equipment as requested. I did not leave a balance behind with this company. This has tarnished my credit, and the collection company never contacted me to verify or validate the debt. I filed both FTC and FCC complaints as well. Im also filing an attorney general complaint.
Complaint sub-issue: Debt was paid

I had an outstanding debt with XXXX XXXX. I settled this debt with a different collection agency a long time ago. The information was verified and is reported correctly on my credit report. However I continue to get calls from EOS CCA trying to collect {$110.00} for a XXXX XXXX debt that has already been resolved. This agency is harassing, rude, and does not have valid information and continues to try and get my personal payment information for a debt that has been resolved.
Complaint sub-issue: Debt was paid

I had special financing following accounts with HCS ( hcsloans.com ). XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX The promotion was expired on XX/XX/XXXX. Since I set up the automatic payment system with HCS, I did not get paper statements. I was having problems with logging into my accounts on website. I had called several times to fix the problem and could not wait for too long so the calls were unsuccessful. Finally, on XXXX, I patiently waited to speak to one of the representatives and found out my promotion was expired on XX/XX/XXXX, and accrued interest was charged to my both accounts. I asked to speak to HCS supervisor, she said since it is within 30 days, I could pay off the amounts of {$510.00} and {$570.00} for both accounts if I made the payments that same day. So, I paid off both accounts on the same day, and she assured me that HCS would close the account with balance XXXX. Three weeks later, I received the statements from Ally Lending over {$1000.00} for each account. Apparently, Ally Lending has bought HCS and transferred all HCS accounts to collect the debts. They said they don't honor within 30 days pay off plan and promotions were ended on XX/XX/XXXX. They stated that HCS transferred accounts on XX/XX/XXXX. Since my original agreement was with HCS, they had accepted the payoff amounts and closed my account, Ally Lending has no right to reopen and try to collect the unreasonable charges. I tried speaking to several supervisors and was not successful. They are demanding that I arrange the payment to pay the accrued charges.
Complaint sub-issue: Was not notified of investigation status or results

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 70 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly started that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 70 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. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Investigation took more than 30 days

I as of late sent a question letter to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm documenting this grievance against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Complaint sub-issue: Problem accessing account

On XX/XX/XXXX cash app has locked my account due to suspicious activity they stated i would access to my accoint in 24 hours and i contacted support everyday after by email and my account has money on it that i can not access i get no support response from them
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. 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: Account information incorrect

Balance is paid in full. I need it corrected. This is causing me not to be able to get a auto loan at a acceptable rate. I have to be in Florida soon to start work, and this is causing me not to be able to go with the high rate this card is causing me to have. I need it fixed immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

I had a checking account with PNC bank including a debit card. I noticed a number of fraudulent transactions within days of them appearing on the account and notified the bank. The transactions were clearly fraudulent, including charges like {$600.00} for XXXX   services in XXXX GA as well as XXXX charges around the city. I haven't been to XXXX for more than four years. Payments were made to wireless phone carriers for which I have no account. Nonetheless, the bank denied my claim.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Sent out multiple disputes never acknowledge my issues that I addressed by letters. 
XX/XX/XXXX and XX/XX/XXXX and XX/XX/11 this letters were not taking into consideration. I feel like my issues are being neglected on the behalf of the credit bureaus. 
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  ) this accounts are showing inaccurate with the incorrect date, and also not entered in the dispute status
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. I will attach exactly what I sent.
Complaint sub-issue: Attempted to collect wrong amount

Lending Club. I cancelled auto pay through my checking account for a loan payment.XX/XX/2019. They responded XX/XX/XXXX confirming the cancellation. I understand I still owe this money, however they cancelled the autopay through email, but have attempted to withdrawal the amount three different times after the cancellation from my checking account and because the money was not in my account I have had NSF fees adding up. 
XX/XX/XXXX they attempted to withdrawal XXXX and it was returned with a fee. They attempted again on XXXX. It was also returned. They attempted to withdrawal XXXX on XX/XX/XXXX. It will be returned from my bank with another fee. I will be notifying my bank officially of the cancellation to attempt to stop further withdrawals. I did talk with my bank but they said I needed to talk to Lending Club.
Complaint sub-issue: Account information incorrect

Equifax ; XXXX  and XXXX  are reporting incorrectly that was late in XXXX, XXXX and XXXX, XXXX on XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was consolidated in XXXX and should not be reporting any lates. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Trouble with how payments are being handled

Sallie Mae has been applying anywhere from one-third to over half of my monthly payments towards interest, rather than all of it applying to the principal, which is what I was under the assumption it was going toward. This is a trick to get me to pay more money in the long run and I did not approve it. I wanted all of my payments to go toward the principal amount of the loan. This is scamming business. Also, they have raised my monthly payments rates despite me having taken out locked interest rate loans. I am supposed to pay the same amount every month and they 've changed it in the last year without any indication that it was being changed or why. This company is a scam.
Complaint sub-issue: Didn't receive terms that were advertised

I Opened a Checking & Saving account combo with Citibank on XX/XX/2018 under an offer that if Within 30 days of account opening I deposit {$15000.00} and Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days then {$400.00} Cash Bonus which will be credited to my new Eligible Checking Account within ninety ( 90 ) calendar days from the date I complete all offer requirements. 

To Give details - a ) Account Opened on XX/XX/2018 b ) {$15000.00} Deposited on XX/XX/2018 -- > This completed the requirement of depositing $ XXXX within 30 Days c ) {$15000.00} was maintained from XX/XX/2018 to XX/XX/2018 -- > This Completed the requirement of maintaining $ XXXX for 60 days d ) Since i completed all conditions on XX/XX/2018, i was supposed to get Bonus of {$400.00} 90 days after XX/XX/2018 which was XX/XX/2018 but i haven`t received my bonus. 
Reached out to Customer care many times but the customer service is very pathetic. 

Please help
Complaint sub-issue: Debt is not yours

Enhanced Recovery is reporting a paid collection acct on my credit report for {$130.00}. I have not worked with this company nor do I have any collection acct with them. This information needs to be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX  XXXX  XXXX  


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS

XXXX XXXX XXXX  
MY EMAIL ADDRESS IS

XXXXXXXX  

MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Complaint sub-issue: Account information incorrect

This is regarding two Hard Inquiries and 1 Collection : the first hard inquiry is XXXX  XXXX XXXX XXXX in XXXX California the first time I contacted the Gen Manager there was XX/XX/2019 and the only time. I began telling him why I was calling and told him that I had never stepped foot into at their dealership and would appreciate it if they would remove the hard inquiry off my report he said first that he would have to look up my application when I came into their facility? I asked him how are you going to find my application if I've never been into your dealership? Then he proceeded to tell me he could not help me there was nothing he could do since I have never been in their dealership. I stated you have to write a letter to get this off of my credit since its fraud he said there's nothing he can do for me and I just I don't the phone I'm at my wit 's end with this dealership. 
The 2nd Hard Inquiry is XXXX XXXX. The 1st time I spoke with XXXX was back in XX/XX/2019 when I had realized that they had ran my credit without my authorization. He stated no problem they write a letter it would take up to 30 to 60 days till it falls off my credit report. In XX/XX/2019 I realized it hadn't been removed off my report and I contacted XXXX and informed him of this and he's told me that he no longer work there at XXXX XXXX that I needed to contact XXXX. I then turned around and contacted XXXX for him to inform me that they would write the letter and give it 30 to 60 days. The 5th time contacting XXXX XXXX was XX/XX/2019. This time I spoke with XXXX  and now I was informed that I need a  police report if I file a police report and brought it down to them they will write the letter. I feel as though I'm getting the runaround from both dealerships especially XXXX XXXX it's pretty frustrating. 
The third account is Grant and Weber, XXXX Hospital the amount is for {$3400.00}. ( thats the collection amt {$2100.00} ) My issue is I've never been to this Hospital I contacted XXXX Hospital in XXXX Ca.. I spoke with two different accounting individuals and neither one found me in their system which would make sense because I've never been there.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected 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
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 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 XXXX It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax via mail and phone 4 times via phone and mail regarding these several unauthorized inquires on my credit report. I advised Equifax that I was a victim of identity theft and these multiple inquiries were not mines and not made by me. Equifax advised to send a FTC report, which I did but inaccurate inquires still remain on my report. I sent the fraud letter that I received from the Department of Justice, I sent multiple dispute letters, Ive called, Ive even filed two FTC reports, yet these unauthorized inquiries remain on my report. Both XXXX  and XXXX has removed these inquires from my report however Equifax wont. Are they above federal law? Do they just get to do what they want with consumer credit reports? THIS IS NOT FAIR THAT I HAVE TO BE PUNISHED FOR FRAUD.. FCRA SAYS ALL INACCURATE INFORMATION ESPECIALLY FRAUD MUST BE REMOVED.
Complaint sub-issue: Problem getting report or credit score

I recently switched my cell carrier to XXXX. I was told I would have to pay for the phone up front and use autopay because they could not get my credit score from Equifax. I requested and received a copy of my credit report from Equifax which clearly shows a hard inquiry from XXXX. I have written them twice but only received a copy of my credit report ( which I clearly stated I already had ) plus generic form letters which did not address my issue.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my data to be taken without my authorization. I confirmed through the Equifax website that I was impacted.
Complaint sub-issue: Other problem getting your report or credit score

For months now I can not login to Equifax to look at, and most likely dispute, information in my file. I tried online and they would not let me see anything, I was referred to a toll free number where I sat on hold, and was bounced around for 30 minutes. I got frustrated and hung up, but waited 3 days and called back, to wait 45 minutes this time and keep getting bounced around with no resolution. 

I sat down and wrote a letter politely demanding to see my credit file, included copies/printouts of the front and back of my valid drivers license, and social security card front and back. These were the 2 " big '' items they wanted so I could prove me identity and see my credit file. I waited appx 2 weeks and was mailed a letter from Equifax with a website to login and enter a verification code they proved on the letter. I did all this and still, I was blocked out - not allowed to see my credit file. I can not get them to open up their blocking of my account and I truly need to see my file/info with them because I can think of 2 companies I want to file disputes against if they are on the Equifax credit report. 

I called the same number AGAIN, sat on hold and finally got to hear a human voice. I told him what happened, although I could barely understand his horrible English. He said he had to transfer me to another department, and he put me on hold, which then properly hung-up on me. I was livid, I could not stand it anymore so I didn't call back. I found your office through an internet search and thought I should try to get help. 

I'm only trying to access MY CREDIT FILE, which I've provided more than ample information proving I am who I say I am. 

Please make Equifax get this lined out ASAP. It's been going on for months. No matter what website, form or whatever I use, I am not being allowed to see my credit file witht them, muchless my score. After paying {$29.00} on XXXX, i was able to see scores on all 3 main credit reporting agencies and Equifax is the worst. I know there are errors because they show my credit score as XXXX. No idea what fraud-laziness- or else is going on with them but they need to open my files up to me anytime.