Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Charged too much interest

On XX/XX/2020 I called to inquire about the promotional period on the credit card. I was informed that the promotional period was to expire on XX/XX/2020 ; I would have sworn it was for 18 months. Anyway with Covid my business has taken a hit so I entered into their Covid relief program. No payment for two months ; and I was told that the promotion that I was currently under would also be extended. I spoke to two different people that day and asked several times to make sure that it also extended the promotion of zero percent interest. I received my XXXX bill and it had interest on it so I called, explained the situation and he reversed the interest fee. Never did he tell me that it was a one time courtesy. I received my XXXX bill and again there was interest. I called today explaining the same thing and they were very rude and no way they would remove the interest because it didn't extent the promotional terms. I did a little research and this is what was on XXXX : What relief can I get? 
Citi puts it this way : We will waive late fees and the requirement to make the minimum payment due shown on your billing statement for two consecutive billing periods, starting with any minimum payment that is currently due but not yet paid. 
This issuer also notes that during the payment assistance period, the amount due on promotional plan balances will also be deferred for two billing periods and the promotional period will be extended. This could be useful if you're currently using Citi Flex Pay to pay off a larger purchase in fixed monthly amounts, for example. 
Cards may be ineligible for relief if they're already in an active hardship or forbearance program or if they're already more than 60 days past due, the issuer notes on its website. I spoke to four different people with zero help. When you call CITI it tells you that you are being recorded so I even asked that they please listen to their recording to find what I was told and it was dismissed. I would never recommend CITI Card to anyone.
Complaint sub-issue: Other problem

The Home Depot Credit card services ( Citibank ) has called me no less than 4 times each day to try to collect a debt. 
I missed one card payment and told them that I would pay in a couple of weeks because I just got a new job. I only missed one payment. Rather than wait until the 2 weeks went by, they call at least 4 times each day and it is more than annoying. I'm trying to work and they are blowing up my phone- which causes issues with my work.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX notice that Equifax and XXXX   continue to report a fraudulent collection to my account. This is my third time going through this process and next time im taking full legal action. ( XXXX XXXX XXXX XXXX {$560.00} ) continues to report to Equifax and XXXX ... Ive never in my life opened up an account with XXXX! This is continuing to affect my credit and has put me behind in purchasing the home that my family and I choose. If this account continues to report and not removed within the next 4 business days. I will be taking full legal action against EQUIFAX and XXXX. 

( XXXX XXXX XXXX XXXX {$560.00} ) EQUIFAX AND XXXX Continue to report this fraudulent Collections Account ( XXXX XXXX XXXX/XXXX  XXXX {$560.00} The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : Equifax, XXXX XXXX and XXXX. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA.
Complaint sub-issue: Information belongs to someone else

not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Single family XXXX EXXXX XXXX XXXXXXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Complaint sub-issue: Information belongs to someone else

On  XXXX   XXXX ,   XXXX   I was doing refinancing of my Mortgage and my credit was ran and the loan  officer  discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan :  XXXX   XXXX  Account :  XXXX   XXXX  on  XXXX   Amount  : {$1000.00}
Complaint sub-issue: Personal information incorrect

In XX/XX/2021. We removed our Credit Freeze to use our Credit. We required a Loan to Buy a replacement Car. 
We were turned down by some Lending Institutions. We did secure a Bank Loan and make a purchase. My Wife received notifications from Credit Reporting Agencies. One Agency saw fit to send my Report to MY DEAD FATHER. OR was it my REPORT? Whodunnit : equaf.. in GA AGAIN. I've been Victim of Identity Theft. This has to stop. It is required by Law we get these notifications when our Credit is declined and by whom. They have XXXX  this AGAIN. Collecting and dispersing my DEAD Father 's Data as mine AGAIN. I've called many times since. Promises, promises ... The Ball is in your COURT. XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Over the course of 9 months, I have disputed my charged off XXXX XXXX accounts with XXXX, Equifax & XXXX. As always, they keep coming back " verified ''. Well I recently started, taking a deeper dive into my credit report and realized that XXXX, Equifax & XXXX  never properly verified my information because they're reporting inconsistent information across all 3 credit bureaus. Example : They are currently reporting an inconsistent date of last activity, creditor type ; are just to name a few. Not too mention, when an account is charged off ; it can not have a past due balance ; which there's one showing on my XXXX, Equifax & XXXX credit report. According to the FCRA, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and I've requested they delete this off of my credit report immediately. I've sent certified letters on XX/XX/2021 and XX/XX/2021, with the appropriate documentation proving this is inaccurate & was not verified.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXXXXXX XXXX Pl, XXXX, CA, XXXX, Accounts : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act XXXX Account 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 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. 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: Information belongs to someone else

I've submitted the proper documentation to XXXX, Equifax and XXXX  showing that I've been the victim of identity theft. Nothing has been fixed or removed from my credit. This is impacting my score and personal life.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXXXXXX XXXX XXXX REPORTED ON MY ACCOUNT AND TO CREDIT REPORTING AGENCIES ON XX/XX/2021 THAT I WAS PAST DUE 30 DAYS.
Complaint sub-issue: Problem with direct deposit

I receive SSXXXX benefits. Comerica Bank deposits my funds into a Direct Express card. My deposits for XXXX and XXXX of 2020 were never deposited into my card. When I went to withdraw my XXXX funds, the ATM rejected my card. When I called Direct Express, they told me that I called to cancel my card. That was false and why would I do that? I ended up waiting for about a month to finally receive a new Direct Express card, but my deposits from XXXX and XXXX were never deposited into my new Direct Express card. When I called Direct Express, they said they have no record of anything and they would have to do an investigation. I completed forms and submitted back to Direct Express, to later get a response that the investigation is closed and I am not receiving my deposits from XXXX and XXXX. They have also refused to reset my password to get into my Direct Express account, so I can see if those deposits were ever made. They told me that I would need to contact Comerica Bank and I have tried to call Comerica Bank and like Direct Express, you never get to speak with anyone! I can not understand how this is legal. My SS benefit deposits that I rely on to live are missing and the only people that know the truth are Direct Express and Comerica Bank. Hundreds of people are going through this. All you need to do is go on the internet and type Direct Express and Comerica Bank and see that there have been fraudulent activities that have been made in regards to people accounts. Senator XXXX XXXX of Massachusetts even conducted an investigation. I am begging that someone help me. It is now XXXX and I still have not received my money! 
Dates that I faxed documentation and letters : XX/XX/2020, XXXX and over 50 phone calls. 
My deposits were for : o Deposit for XX/XX/2020 in the amount of {$1000.00} o Deposit for XX/XX/2020 in the amount of {$1000.00} o 2 Deposits for XX/XX/2020 in the amounts of {$300.00} for each child = {$600.00} total for XXXX. 
o 2 Deposits for XX/XX/2020 in the amounts of {$300.00} for each child = {$600.00} total for XXXX. 
This is inhumane! I can not believe that institutions can get away with this!
Complaint sub-issue: Trouble with how payments are being handled

I requested that my new student loan lender, Earnest, apply the extra {$50.00} a month my employer pays on my behalf towards my principal balance, and I was told that the only way that could be done is if my employer sends it on the same date my payment is processed. I cant control my employer sending this payment. The lender stated the following : Yes, it is legal. This is actually a very normal policy for most lending companies. The accrued interest on the loan needs to be paid first before the principal can be paid down.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/2018 a collections showed up on credit report saying I owed XXXX in the amount of {$140.00} at an address in XXXX, Michigan which I have never been or lived. I immediately filed a theft report with this company and also a police report. After about 3 weeks this was removed from my credit report. I thought all was fixed until XX/XX/XXXX a collections company called I C Systems ( XXXX ) XXXX showed on my credit report for the same account with XXXX XXXX XXXX ) XXXX fraud dept ) ( XXXX ) XXXX for the amount of {$140.00} with reference number XXXX. I have called all numbers that are possible and no one willing to help. So basically XXXX has swept this under the rug and decided a few months later to try and collect again very bad business.
Complaint sub-issue: Public record

My name is XXXX XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from XXXX, Equifax and XXXX Credit Reports. However, two weeks ago it reappeared on my Equifax reports. I never received any notification from Equifax that they were reinserting a State Tax Lien back to my report. I 've attached a copy of my paid state tax lien and a copy of my XXXX credit report showing no Public Records on XX/XX/XXXX. I 'm requesting Equifax remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Did not know about debt.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ), has violated my rights. They have been sued by attorney general. They are closing all stores. On the company website they will request all three credit bureaus to remove negative payments and put on accounts paid in full. Since XXXXXXXX XXXX is scamming people I would like this removed before they request it to be removed this is affecting my credit report
Complaint sub-issue: Debt is not yours

I had an ATT  account for internet only that was placed on hold in XX/XX/XXXX due to having to move aburptly. ATT  described the hold as having a small payment ( approximately {$17.00} ) until I could install the internet in my new location. I moved into my new location in XX/XX/XXXX after living in hotels and my car. I moved to an area and an apartment that ATT  did not service. ATT  advised me that they did not service that area therefore I returned their equipment but continued to be charged until XX/XX/XXXX. I spoke to approximately 3 representatives and a fraud manager but found this account in collections for {$100.00} for the months that I had XXXX internet and was paying for XXXX internet from XX/XX/XXXX until XX/XX/XXXX. I began to receive calls for debt collections in XX/XX/XXXX and found these charges on my XXXX XXXX  report from I C Systems on behalf of ATTXXXX for {$100.00}. These charges were disputed at least 3 times and resolved. Recently, charges have appeared again from XXXX XXXX XXXX on behalf of 11 ATT for {$100.00} for an account opened in XX/XX/XXXX. Completely not true. I had XXXX internet service at that time and never opened any other account with ATT. I have filed another dispute resolution in XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have written several letter to the bureaus about inaccuracies on my credit profile. it keeps updating there wasn't a valid investigation done
Complaint sub-issue: Their investigation did not fix an error on your report

I've recently checked my credit report with XXXX, XXXX, and XXXX, and in my amazement, I found an account that I did not open. I am a victim of identity theft and Macy 's / DSNB account ( acc no : XXXX ) is a fraudulent account. I submitted the FTC Identity Theft Report to the credit reporting agencies and they deleted the fraudulent account. But XXXX reinserted the fraudulent Macy's/DSNB account back to my credit report without sending me any note or letter.
Complaint sub-issue: Debt is not yours

I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to ATG Credit. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XXXX XXXX XXXX and I have not received a response to date. I know that this debt does not belong to me because the original creditor XXXX XXXX XXXX located in Indiana. I have never resided in Indiana.
Complaint sub-issue: Their investigation did not fix an error on your report

For the past several months I have been trying to have an inaccurate collection from my credit report- it is regarding a XXXX Account from over 9 years ago that went delinquent in 2013. This item should have been removed from my credit report last year- but has yet to be removed. 

It is severely impacting my credit score and I would like it to be removed. XXXX and Equifax both refuse to correct the information, despite my having disputed the account several times with them. I have no idea how they are verifying that this account is accurate and now, because I have disputed this account so many times, XXXX refuses to allow me to dispute it online again.
Complaint sub-issue: Overdrafts and overdraft fees

I received a fraudulent call about an account I never had. They said if they didn't reach me at home they'd need management or security present and to sign as a witness so I could be served documents pertaining to this debt of more than XXXX $ to U.S. bank which doesn't even exist where I am located. Said they'd been trying to reach me for days and if they didn't reach me tomorrow XX/XX/2022 between XXXX XXXX they'd send the papers back as denied to be signed. They only had the last 4 of my social and the last 4 digits of a non-existent account.
Complaint sub-issue: Reporting company used your report improperly

I was able to put a freeze on my credit with XXXX and XXXX very easily with a phone call. After 2 days and multiple attempts by phone and website I am still unable to put a freeze on Equifax because after accepting all the information both ways tell me they can not process the information right now, even though they are the reason why any of the freezes are necessary.
Complaint sub-issue: Debt was result of identity theft

I HAVE SENT THIS COMPANY A DEBT VALIDATION LETTER ASKING THEM TO VALIDATE WITH A SIGNATURE OF MINE THAT PROVES I AM THE PERSON RESPONSIBLE FOR THIS DEBT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT WAS OPENED BY SOMEONE ELSE FRAUDULENTLY. THEY HAVE NOT SENT ME ANYTHING THAT VALIDATES I AM INDEED THE PERSON RESPONSIBLE ALL THEY KEEP DOING IS FLAGGING THIS ACCOUNT TO ALL THE CREDIT BUREAUS AND THEY HAVE NOT PROVEN THAT I AM RESPONSIBLE. THE FTC SAYS THAT I HAVE THE RIGHT TO REQUEST VALIDATION NOT VERIFICATION OF THE INFORMATION THEY HAVE. I HAVE NOT RECEIVED ANYTHING. A BILL IS NOT VALIDATION AT ALL.THEY ARE RUINING MY CREDIT
Complaint sub-issue: Investigation took more than 30 days

Since XX/XX/2021 I filed several certified mailed in disputes and have called multiple times but received no response from XXXX, Equifax, and XXXX. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the financial burden you caused me. My information was also impacted by the multiple data breaches and may have got into the hands of the wrong person. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the accounts, they failed to provide evidence to support ownership of the accounts, they did not furnish the paperwork required to show 100 % proof that I own the accounts.
Complaint sub-issue: Card was charged for something you did not purchase with the card

During the month of XX/XX/XXXX I was reviewing my credit report and noticed that XXXX XXXX was reporting a 60 days late payment. I called them and they said that it was for a {$2.00} fee administrative fee that I never knew about. I was never told or explained that this was going show up on my personal credit report. I sent them a letter and they replied that they were reporting accurately. I have repeatedly called and to no avail. No one can explain the {$2.00} charge accurately or why I was n't informed. This has resulted in me being denied a home loan because of the way its being reported ( 60 days late ). I have lost over 35 pts on my credit report for something that I had no fault. I have been a client of XXXX 's since XX/XX/XXXX and I have never been late, as a matter of a fact I barely use this card. I have attached my credit report in order to demonstrate that I do not pay my bills late, that I am very responsible with my payments, My credit report will speak for itself.
Complaint sub-issue: Account information incorrect

I contacted XXXX and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and XXXX bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XX/XX/XXXX {$250.00} were paid to XXXX XXXX/XXXX but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XX/XX/XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.