Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You never received your bill or did not know a payment was due

I want to open a complaint against Elan Financial Services which is located your state. About three months ago it appears XXXX Credit Card went from Visa to Master Card. As it happens, I had set up auto-pay on my account to handle payments. Lo and behold, Elan Financial took over payments processing unbeknownst to me and it appears my auto-pay process was nonexistent. Now, to add insult to injury they called me after the 30 days but not before and they reported the late payment to the credit bureau. I have a stellar payment history with XXXX credit card and these people are known for this type of behavior. I was told that I needed to dispute their reporting of past 30 day due with the credit bureau myself and that they would not guarantee that Elan Financial would side in my favor, despite the fact that in the migration the autopay did not migrate. I was also charged several late fees and which some were removed but not all of them. Also, when I asked why I was not called on the phone and XXXX said that they would not call. However, they waited past 30 to call, coincidence probably not. XXXX said they initial send email and post mail, now when I check my emails under XXXX correspondence, I did not have any emails. Then, XXXX said that it might be under a different email, so I need to know that as well. It is my opinion and based on their reviews that Elan Financial is the business of destroying customer credit and charging late fees.
Complaint sub-issue: Account status incorrect

A balance is reporting on my XXXX XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with XXXX  XXXX XXXX and they have failed to correct it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquires made on my credit reports.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Recently, I received an alert from my credit monitoring system which indicated my credit limit on a card decreased {$9600.00}, an over 60 % decrease in my available credit. I contacted a representative from the credit card company to discuss. The representative explained the significant decrease in available credit was due to increased usage of their card and a recent increase in credit inquiries. I explained the increase in inquiries was due to applying for a loan to install solar panels on my home and my increased usage on the credit card account was expected to be temporary, as evidenced by my recent large repayment, and per review of my account, I have not missed payments nor been late on any payments. He indicated they could possibly look at my account again however, not for a while due to the recent review. I explained how the egregious decrease in available credit would significantly reduce my credit score and artificially make future credit inquiries more difficult. Due to their unwillingness to continue to work with me as a customer, I informed them I would pay down my balance and then close my account, which would continue to negatively affect me from a credit and cash flow standpoint however, I will not work with a company that arbitrary hurts their most loyal customers.
Complaint sub-issue: Debt is not yours

To Whom It May Concern : Im responding to you sent me this is the first piece of correspondence Ive received from you on this matter. 

I believe I do not owe your firm what you say I owe, and I request that you please provide me with the following : tell me what I owe money for illustrate how your firm calculated the total amount in question. 
provide me with any copies of signed documents showing that I agreed to pay what you firm claims I owe. 
show me that you are licensed in my state, and give me your license number. 
stop contacting me about this matter, or any other you have, except to provide me with proof that I owe what you say I owe. 

I request that the company that you say I owe money to be sent a copy of this dispute, so that they do not report this on my credit report. I further expect that if you already reported me to a credit bureau, you notify them that I have not and do not agree with this debt in question.
Complaint sub-issue: Debt is not yours

They are trying to get me to pay a debt I do n't know.
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 account deleted or updated. These are the items I demanding to be deleted immediately :
Complaint sub-issue: Fee problem

On XX/XX/2019 - I opened a checking and savings account after seeing a Citi promotion. 

On XX/XX/2019 - I was charged a {$14.00} for ACH Electronic Debit - XXXX  XXXX   RETRY PYMT on the day I opened the account On XX/XX/2019 - I was charged a {$48.00} overdraft fee On XX/XX/2019 - I contacted Citi and I was able to get the {$14.00} and {$48.00} fees reversed, but there was no explanation where the XXXX  XXXX RETRY   PYMT originated from which caused the fees. This was on Citi 's end as I had not receive a debit card nor the welcome packet yet. 

On XX/XX/2019 - I transferred {$15000.00} into the checking account On XX/XX/2019 - I transferred {$500.00} into the savings account On XX/XX/2019 - I was charged a $ XXXX monthly fee. I had maintained an average daily balance of well over {$10000.00} so the fee surprised me. 

On XX/XX/2019 - I contacted Citi and they said the charge was due to the accounts not being linked. I assume the accounts being linked is the norm since you can transfer money between them, but apparenty it is not. I was assured by XXXX at XXXX, XX/XX/XXXX : " I can assure you that you will not be charged moving forward for as long as the account is able to maintain the fee. '' On XX/XX/2019 - I was charged a $ XXXX   monthly fee. Once again, I had maintained an average daily balance of well over {$10000.00} as the balance of the accounts had stayed relatively the same since opening. 

On XX/XX/2019 - I contacted Citi about the fee and was told by XXXX at XXXX, " I have re-aligned the linking of the account, XXXX. This will be effective XX/XX/19. '' She said she could not reverse the fee though even though it was Citi 's fault stating, " As of the moment, we're unable to reverse the fee since it is a valid charge based on the terms of your account and due to the recent fee reversal made on the account for the past 540 calendar days. '' My complaints are as follows : - In XX/XX/XXXX on the day of the account opening Citi overdrew my account causing {$14.00} and {$48.00} fees which were waived. The cause was Citi bank overdrawing my acccount on the day the accounts were opened and not me. How I can I overdraw an account when I do not have my card or information yet? 
- In XX/XX/XXXXI was charged a {$25.00} fee, but I was unable to get the {$25.00} reversed because I already had a fee reversed in XX/XX/XXXX ( which was caused by Citi ). The Citi employee assured me the accounts were linked I would not incur another fee. 
- In XX/XX/XXXX I was once again charged a {$25.00} fee even though a Citi employee assured me the accounts had been linked and I would not incur another {$25.00} fee. This was Citi 's fault once again.
Complaint sub-issue: Didn't receive notice of right to dispute

They repeatedly keep attempting to collect debt from me when it's impossible to pay for anything because there is no gold or silver in circulation. According to the UNITED STATES CONSTITUTION Article 1 Section 10. There has not been Gold or Silver in circulation since 1933.

I am asserting my right to discharge the entire amount. I have the right according to UCC and Creditor/Debtor Law, and according to HJR 192.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, I created a XXXXEquifax account to get my credit report and learned Equifax had combined my credit history and personal information with another person 's ( Party B ). I contacted Equifax via its dispute number ( XXXX ) and submitted copies of my driver 's license and SSN to Equifax via its online XXXXEquifax dispute interface. 

I noted to Equifax that XXXX and XXXX  do not have this problem and correctly identify me and Party B as separate entities. Additionally, I informed Equifax I should not be privy to Party B 's information, yet I had full access to Party B 's credit history, closed accounts, current and former addresses, SSN, etc. 

I contacted Equifax 's dispute number on XX/XX/2021 to follow up. The Equifax representative said they were able to view my driver 's license and SSN in the online dispute interface, but also needed Party B 's identifying information, such as photos of their driver 's license and social security card, to prove we are different people. ( Editorial note : This seems absolutely unreasonable under normal circumstances, but I was lucky enough to personally know Party B ). 

On XX/XX/2021, I obtained Party B 's cooperation, as well as copies of Party B 's driver 's license and SSN. These were submitted via the MyEquifax online dispute interface. 

On XX/XX/2021, I contacted Equifax 's dispute line and was informed by the representative that since I was not Party B, the representative could not continue speaking with me. The representative instructed I should submit my driver 's license and SSN to Equifax, either via fax or postal mail. 

I informed the representative that both mine and Party B 's identifying information were already submitted to Equifax via the online MyEquifax dispute interface, and I was looking at it as we spoke. The representative reiterated they could not continue our conversation, as I was not Party B. Call ended with no resolution.

I asked Party B to attempt to resolve the matter. Party B informed me later that day that Equifax told them to wait 5-10 business days ( two weeks ) for the corrections to his personal information and credit history to occur confirmation of the fixes will be received in the mail. 

From XX/XX/2021 onward, I have periodically asked Party B if they have received anything in the mail from Equifax, and they still have not. Similarly, I have not received any correspondence from Equifax. 

As of today XXXX XX/XX/2021 XXXX, I can still access Party B 's credit history and personal information via XXXXEquifax. 

This matter is of utmost importance for me, as I am seeking a mortgage to buy a home, but no financial institution will lend me money if one of the three credit reporting agencies has inaccurate information about me. I have missed and continue to miss homebuying opportunities as a result of this.
Complaint sub-issue: Investigation took too long

EQUIFAX HAS NOT PROCESSED DISPUTE AND INVESTIGATION TIMELY FOR XXXX AND XXXX. I AM AUTHORIZED USER ON BOTH ACCOUNTS & XXXX XXXX XXXX, INDIVIDUAL ACCOUNT USER, HAS BOTH ACCOUNTS REMOVED FROM HIS CREDIT FILE WITH ALL XXXX CREDIT REPORTING AGENCIES DUE TO INCORRECT DATA. BOTH ACCOUNTS ARE CLOSED AND OLD AGED ACCOUNTS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : Discover Bank
Complaint sub-issue: Investigation took more than 30 days

hi XXXXhas a 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. 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 XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Information belongs to someone else

I subscribe to XXXX XXXX and XXXX XXXX to monitor my credit resport. I noticed a hard inquiry dated XX/XX/21 from Discover. This was not something of my doing. I contacted all 3 credit agencies and file and report in addition to calling Discover which they said they have no record of anything processed. How coild that be true if it clearly stated that my info has been ran. 

XXXX dispute file # XXXX XXXX dispute file # XXXX XXXX dospute file # XXXX XXXX is requesting a copy of the ftc dispute report to be faxed to them at XXXX
Complaint sub-issue: Can't use card to make purchases

Someone sent me a text ( CITI-BANK-FRAUD ) Your card has been blocked due to recent transactions. To restore full access go to auth07-citi.com/secure? token From the phone number XXXX ( XXXX ) XXXX And I dont have Citi bank
Complaint sub-issue: Account status incorrect

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items.

I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Complaint sub-issue: Deposits and withdrawals

A deposited {$55.00} check to PNC checking from XXXX XXXX was erroneously returned. I resolved the issue with XXXX and explained to PNC the error by XXXX. By returning the deposit of {$55.00}, transactions were returned, assessed {$36.00} return as well as return deposit fee of {$12.00}. 
Now, on XX/XX/XXXX, a deposit to PNC checking for {$150.00} was placed on hold and still on hold today XX/XX/XXXX. This profiling my account by holding the deposit amount has caused returned items and additional {$36.00} fee. 
My account is still held in an overdraft status due to the hold. PNC has held deposits, without cause, prior to this because of coding or profiling and I had to file a complaint and go through hours of proving that particular check, from a Money Order refund, was valid. Millions of checks are deposited by customers but my deposit was coded. 
On XX/XX/XXXX, I received a letter from PNC stating a 5 day hold was placed on the {$150.00} deposit. The reason was information from paying bank indicates check may not be paid. This is false as there were more than sufficient funds in my XXXX XXXX account. There could not be such an indication and PNC is wrong on this and sending me false information. 
The check for {$150.00} cleared my acct at XXXX XXXX on XX/XX/XXXX. 
I expect the fees 2 x {$36.00} and {$12.00} return deposit fee be refunded. 
I am opted into the Overdraft Protection, however, PNC chooses not to pay the transactions. 

I expect a refund of at least {$82.00}, the hold removed immediately and my account brought to a positive balance. I also expect to have special treatment and profiling my account removed.
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I am sick and tired of dealing with this inaccuracy. All I requested was physical proof which I know is the law per section 609 of the FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to purchase a car and they were only suppose to use my pre approved letter from XXXX XXXX but instead they ran it with the following : 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: Debt was result of identity theft

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TEK COLLECT INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TEK COLLECT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Late payments reported to the credit bureuas and stated in 15 usc 1666 b, late payments are not to be reported to the cosumers report
Complaint sub-issue: Can't get other flexible options for repaying your loan

I started out owing at the time of my graduation in XX/XX/XXXX around {$38.00} to XXXX in student loans and was unable to pay the debt as I was recently divorced and raising a child making XXXX a year and XXXX wouldn't do anything to help with the payment. I was offered forbearance which didn't last and was forced into collections in mid XX/XX/XXXX under the loan rehab program which I was barely able to pay while being a single parent and finalizing my divorce. In an effort to keep my head above water due to lack of decent paying jobs in my area I continued to put my loans in forbearance and no mention of any other ways to receive any assistance from XXXX only threats to pay or be taken to collections and have my taxes garnished. And over time in XX/XX/XXXX my credit has been poor from these loans and lack of decent paying jobs which I went to school for my loans went from $ XXXX in XX/XX/XXXX ' to owing $ XXXX in XX/XX/XXXX of this year. I have looked into IBR but to have a nearly $ XXXX bump in interest from one month is egregious. And XXXX and it's associates college assist should be investigated for nefarious collection practices and interest hikes on student loans.