Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear CFPB, On XX/XX/2019 I called XXXX XXXX. I asked when my promotional period ends. The customer service agent told me that my promotion will end midnight XX/XX/2019. 

I then told the agent that I DO NOT want to continue service past XX/XX/2019. 

I told agent to CANCEL my service on XX/XX/XXXX, and specifically told the agent DO NOT auto-bill my Discover Card because I am CANCELLING service. 

Once my service was canceled ( or so I thought? ) I returned all the equipment XXXX on XX/XX/2019. 

I then received a bill for {$170.00} on my Discover Card later in XXXX for services I did not use ... and for which I explicitly CANCELLED. 

Unlike ALL other utility service providers, XXXX is unable/unwilling to do future cancelation of services. 

However because I returned my equipment 37 hours and 52 minutes LATE I was billed the entire month of XXXX because I was still considered IN CONTRACT. Even though, on XX/XX/2019 I informed XXXX that I was canceling service. 

No customer is able to return equipment exactly at midnight when their contract expires. So the very next day when you return the equipment you are considered LATE and will be billed for an entire month by XXXX. 
I would consider that deceptive, misleading and unfair billing practices. 

I have sent numerous letters to both XXXX XXXX and Discover Card to resolve this issue of deceptive billing practices. Both times Discover Card has chosen to ignore XXXX XXXX 's malicious and unfair billing protocols and have agreed in their favor ... not to protect the consumer.
Complaint sub-issue: Information belongs to someone else

There are innacurate fraudulent accounts reporting on credit plus that are not on my credit reports at all with XXXX XXXX and XXXX. 

I am a victim of identity theft and I have an attorney involved as well. These items need to be removed from the credit plus credit report because this is a third party and all three credit bureaus stated to me on the phone that they do not directly report any items to them to report on behalf of me. And this is a violation of the Fair Credit reporting act.
Complaint sub-issue: Debt is not yours

Sezzle , Inc., a group I am unaware of or what they do, opened an account in my name giving someone a small line of credit. Acct XXXX. Apparently, it became delinquent and I saw it on my XXXX credit report. XXXX contacted the company and Sezzle said the debt is mine. I had two other fraud accounts opened in the approximate same time frame, both of which were closed out. 

I want the account closed and removed for fraud. I have thousands of dollars in credit available to me, all of which are paid on time.. I would not open an account for {$200.00} and not pay. I would simply use my debit card. I have never received an email or bill or anything else on this account. 

They do not answer the phone or respond to email. The phone number on the website is XXXX.
Complaint sub-issue: Problem with personal statement of dispute

Confirmation # XXXX Equifax, I disagree with your investigation results ; they do not abide by the FCRA therefore this investigation is incorrect. Equifax, you cant keep verifying that the item has been reported correctly. Equifax has been updating the same accounts as verified as accurate for several months now. 
*Attached is a copy of the USPS log of letters sent to Equifax about these accounts. 

According to sec. 314 of FCRA Equifax can not verify these accounts without providing the consumer with all the verifying documents. 
Account statements legally do NOT count as verification. 

Equifax has surpassed the 4560-day investigation window for these accounts. 
Equifax has verified the same accounts over and over again for 6 months and they are not 100 % accurate. Is this against the law? Yes. 
These accounts have accumulated interest since the initial dispute process began which is against XXXX. This is against the law. You are committing a crime. 

Has the lender claiming this account belongs to me sent you the signed contract between us? No, there is no contract these accounts do NOT belong to me. Equifax must delete these accounts, stop verifying fraudulent accounts. Did Equifax hire a third party to conduct an outside investigation abiding by the FCRA? No. 

How long are we going to go back and forth about the same accounts. Equifax have failed to follow the FCRA, you update inaccurate accounts, disregard my disputes, and fail to provide any legal document to tie me to these accounts. 

Who is verifying these accounts? Does my name XXXX XXXX XXXX XXXX XXXX along with my signature appear on a contract with these institutions? 
Does my employment information and phone number and address match? 

Equifax enough with your games you have damaged my creditworthiness which has resulted in denied credit. Equifax must delete these accounts ; this is my last attempt before I seek legal council.
Complaint sub-issue: Unexpected increase in interest rate

I have had a credit relationship with Citi Bank for over two decades. I have tried to reach out to Citi multiple times to file a complaint without any response via their chat or phone line and there is no method to file a formal complaint with them online. 

I recently went through a divorce, in XX/XX/2022 a payment was accidentally scheduled out of an account that was closed as part of my divorce settlement therefore it was returned to Citi. I immediately remedied the situation by re-submitting the payment with the correct account information and I paid the returned payment fee as expected, despite this was an honest mistake. 

What I recently discovered is that after having a credit card relationship with them for over two decades with good payment history, not only did they charge me the returned check fee, they more then doubled my interest rate. This seems to me to be a very abusive practice, not only did they charge me a fee for the returned check which was reasonable but to double my interest rate, when I immediately remedied the situation is very concerning to me, not only is Citi causing significant financial harm, the notification for the increase in interest rate was hidden amongst my statement disclosures. This is deceptive, my statement contains standard information that I reference when necessary, however everything is done online. There was no separate notification, there was no clear communication, it was just tucked away where I didn't see the change for nearly 7 months. So not only is Citi abusing their power by penalizing customers in multiple formats for the same issue causing significant financial harm, they are deceiving customers by only providing a formal notification hidden in an online statement. 

If I would have been properly notified on the increase in rate I would have never used that card for the purchases made between XXXX and present, as I have other options available. 

I believe Citi Bank is becoming unjustly enriched by penalizing customer not only utilizing a fee, but by more then doubling customers interest rates as the result of a single returned payment in which customers are already penalized for via a fee. 

This practice appears to be a violation of UDAAP, particularly when you take in the similarities to the highly scrutinized overdraft practices on deposit accounts.
Complaint sub-issue: Debt is not yours

I've disputed alleged account ( s ) XXXX and XXXX with previous collection companies this year and it was proven that both accounts were not my account and was removed from my credit reports. This account was acquired from a portfolio of debt and im tired of disputing this debts even though I was relieved from these alleged accounts. I've seeked counsel XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX to resolve this ongoing issue.
Complaint sub-issue: Not disclosed as an attempt to collect

I have never received anything from them? This was XX/XX/XXXX til XX/XX/XXXX, but some how still " open '' on my credit report I ca n't get ahold of them to pay or settle ... I have no account number or anything ...
Complaint sub-issue: Trouble with how payments are being handled

Automatic payments are not going through due to Nelnet 's system. The money is in the account and payments have been made on time every month for over a year. Now, all of a sudden, I miss payments due to Nelnet 's fault and they can't help. I called and thought I handled the issue. Welp, same issue the following month. I called again and once again I believe the issue is handled, but we'll see. They will not refund me their {$15.00} ( XXXX ) charge. At this point I'm thinking is my credit being hurt. Nelnet is not going to give you a refund, or make any changes to credit reporting, and/or be responsible for data breaches that are Nelnet 's fault. Good luck. That's how they treat you. It's not the person on the other line 's fault. It's Nelnet.
Complaint sub-issue: Reporting company used your report improperly

This is in regards to the recent data breach reported for Equifax. They are offering only one year of credit monitoring when the information leaked, e.g. SSN, name, etc. causes an impact for the rest of my life. There have been a lot of breaches but this is the last straw. There needs to be recognition that these breaches are more than a short term issue for consumers and not be used to farm new clients for their monitoring services. They should be required to provide lifetime monitoring for people whose information was compromised.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

RAS LaVrar, LLC., representing XXXX XXXX filed a small claims action against me last year in XXXX XXXX XXXX Florida XXXX Managing partner, XXXX XXXX is the attorney of record for Plaintiff. During the on-going litigation, LaVrar has willfully failed to make discovery, has TWICE failed to appear at hearings, has had illegal ex-parte communications with the judge, ( who has now recused herself, but is still getting a XXXX Complaint anyway ). In response to my Request for Production of Documents, LaVrar submitted a production file with over 135 pages of meaningless, non-responsive documents and further raised meritless, boiler-plate objections to the majority of the Requests, all of which were for discoverable evidence. Litigating in bad faith and engaging in dilatory stalling tactics violates several of the Rules Regulating the Florida Bar governing lawyer conduct, in particular, Bar Rule 4-3.2 requiring lawyers to expedite litigation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 an inquiry was placed on my credit report that I did not authorize and it is fraudulent, it is in fact hurting my credit. I have tried getting them removed but I have had no success. The fact that it is supposed to stay on my credit report is a violation of my right under the FCRA. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, I may presumethat no proof of the alleged debt, not therefore any such debt, in fact exists.
Complaint sub-issue: Problem with personal statement of dispute

I monitor my credit scored via XXXX XXXX and noticed that Equifax ranking of my credit worthiness had plummeted. I did not sign up for any credit cards, cars, homes or anything that could possibly explain the drop. I went on line and found an email address and phone number. I called and after almost 45 minutes on hold I finally spoke with a rep in another country with limited language skill and other than selling me one of Equifax packages could do absolutly nothing. To date I have spent almost {$200.00} to have various reports and analysis done with NO results ... I just ended a chat session with someone from their web site and was again told to contact the toll free number where I would again spend hours with no help. I asked for an address to write Equifax and was told i had to call customer service. 

Given their lack of security and illogical ways of dealing with issues when brought to their attention I find it dumbfounding that they are allowed to operate let alone be entrusted with something as intimate and vital as someones credit worthyness. 

The only thing that I could see on my report was an inquiry from more than a year ago I didn't recognize and that they have an home I purchased to stay in while in Florida on business and not my home I co-own and have lived in for more than 20 years. Again, I can not find any means to even explain this in writing let alone be so privileged to actually speak with someone from a company doing so much harm to my financial well being.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX put 10 inquiries on my credit report and I only applied one time on XX/XX/2022 I have not applied to any company and I have unverified inquiries on my report. I asked for them to remove the inquiries and they did remove any inquiries
Complaint sub-issue: Information belongs to someone else

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1. XXXX/XXXX/XXXX ACCT # XXXX 2. XXXX  XXXX XXXX ACCT # XXXX 3.XXXX XXXX ACCT # XXXX 4.XXXX XXXX XXXX/ XXXX ACCT # XXXX 5. XXXX XXXX XXXX ACCT # XXXX 6.XXXX XXXX XXXX ACCT # XXXX 7.XXXX/XXXX XXXX ACCT # XXXX 8.XXXX/XXXX  ACCT # XXXX 9. XXXX XXXX XXXX XXXX ACCT # XXXX # XXXX # XXXX 10. XXXX XXXX XXXX ACCT # XXXX 11. XXXX XXXX/XXXX
Complaint sub-issue: Didn't receive services that were advertised

I went to the website of www.equifaxsecurity2017.com because of the recent identity theft that Equifax reported on over 100,000,000 consumer files. I found out that my file probably had been compromised. I followed the instructions and was told I would received an email in several days. This was onXX/XX/XXXX. I checked my email again every day including Spam etc., but no email! I re-enrolled again on XX/XX/XXXX and received an email 0n XX/XX/XXXX from XXXX, not Equifax. I remembered that was the Equifax Product that was being offered for free. Had I not known of that I would have deleted thinking it was Spam like so many other people would. I think this is a way that Equifax is trying to get out of offering this for free! Also, When I followed the instructions on line from XXXX it told me to call a XXXX number and ended up in the XXXX and talked someone that has my personal information and had broken XXXX. I think that Equifax makes it difficult for consumers to obtain their products for free when they are the ones that are responsible for the Identity breach. I also know 2 other consumers that never received the email or thought it was spam!
Complaint sub-issue: Account status incorrect

For 2 years equifax has been showing an account in collections and owing a balance of {$2400.00}, which I paid off. All other reporting agencies have updated but this one. I have filed disputes numerous times over the years, providing receipts & settlement letters to no avail. Now they are suddenly showing me owing a balance on an account I paid off in XX/XX/XXXX. Their report even shows me owing a XXXX  balance all through XX/XX/XXXX until now, but now they claim that I suddenly owe {$1700.00}. No other reporting agency is showing me owing a balance on either of these accounts, just equifax. So since Ive had no luck filing disputes with them in the past, them getting hacked, losing my information, covering it up, then trying to get me to pay for credit monitoring due to their error, and now them claiming I owe money on an account they show had a {$0.00} balance on last month, thats the final straw. Since me working with them hasnt worked, Im trying something different in the hopes of finally resolving this and getting my credit score where it should be in the one reporting agency that it lags. I have attached a copy of the settlement letter showing that I paid off what equifax says I owe and is in collections ( Ive provided this multiple times to equifax ). I also included screenshots of what equifax shows for my credit report vice what other reporting agencies say. You will find that they all show XXXX balances and that these things were resolved years ago where as equifax refuses to update the information to show the correct and up to date data. Thanks for your time and consideration.
Complaint sub-issue: Information is missing that should be on the report

I ve had an account with XXXX  XXXX open XXXX  XXXX  since XX/XX/2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is 500 anf balance is only XXXX dollars. Please have credit bureaus update records
Complaint sub-issue: Information is missing that should be on the report

I am having issues with missing information on my credit report. I have a XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX OH XXXX. My account is not showing on any of my credit reports.
Complaint sub-issue: Information is missing that should be on the report

Over a period of a year and a half up to 10 inquires were added to our Equifax reports for the one loan we were seeking approval for. Starting in XX/XX/2017 up to the present the inquires on our Equifax report were for one loan and that should be noted. One or two inquires have dropped off our reports but there are still up to 8 still listed. Our view is one loan, one inquiry.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reviewing my credit report I noticed there was several companies that were not authorized to check my credit, therefore the inquiries from these companies are considered fraudulent.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I lost my license over a year ago. I have near inquiries on my credit report that needs to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I was victim of fraud with a Best Buy visa credit card from from my property that was stoled on XX/XX/2020, the bank didn't help and im sending the police report to re open the case, I've been taking care of the situation with the police department and they are moving forward with the investigation watching all the cameras at the stores to find the responsible of this. but my card must be at XXXX $ again. because im not responsible for any charges that month and I need the sooner respond. my best regards. XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted disputed along with an FTC report for this fraudulent account : XXXX {$1000.00} This fraudulent account has not been deleted from my credit reports ( XXXX  & Equifax )
Complaint sub-issue: Account information incorrect

I dont agree with pnc bank XXXX I feel their lending guidelines are not compliant lending guidelines. Pnc approved me in XXXX then again in XXXX for secured loans, I have a banking relationship with them as well for years. Now I am trying to obtain a unsecured loan and being told that an account ( XXXX XXXX  ) that was in my bankruptcy from XXXX is a reason for decline plus a XXXX XXXX  account also known as XXXX which was my ex husbands. BOTH of them were on the ORIGINAL reports when I was approved -so why- why am I declined?!? Pnc does not use common sense nor good business sense to lend to their customers.
Complaint sub-issue: Contacted employer after asked not to

The company IC systems contacted my employer and shared debt information with them. The company is continuing to hit my credit report with hard inquiries each month.
Complaint sub-issue: Account status

XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, IL. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in Texas. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, Equifax, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.