Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

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 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Complaint sub-issue: Was not notified of investigation status or results

I have a XXXX XXXX XXXX # XXXX that is violating my 30 day right to dispute. I never received any notice of this collection until it was placed on my credit.
Complaint sub-issue: Information belongs to someone else

On today XXXX I checked my credit and seen some thing on there I did do. 

Account Name : XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX- # Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX, 1 Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have contacted Equifax and merchant credit guide about reporting wrong information to my account. I have never done business with this collection agency nor had an account with them. they keep reporting this inaccurate to my account
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX has filed a suit in court but has not contacted me about any debt I owe them, I will answer the suit but they should come with the contract. I have never entered into a contract with XXXX XXXX a debt buying company. I am asking for them to verify debt with the original contract with my signature. They have failed to verify or notify me of said debt but have proceeded to file suit.
Complaint sub-issue: Information is not mine

I have no knowledge of this account and it does not belong to me. This is a fraudulent report on my credit report.
Complaint sub-issue: Report improperly shared by CRC

Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I checked my XXXX XXXX account to see that my score dropped 47 points. This happened because every one of my student loan accounts had a balance increase of various amounts that resulted in over {$10000.00} total increase. My problem with this is that I've been out of school since XX/XX/XXXX. I've never received a notification from XXXX XXXX about the accrued interest on my loans being added to my credit report. I'm currently in an income driven repayment plan that has a monthly payment amount of XXXX dollars every month. It doesn't seem fair that I'm following a program based on their recommendation for my situation, but am being penalized by my score dropping tremendously. Further, the information on my credit report versus the loan details is not presented to me the same way, which seems misleading. An example being that one of my loans has a current balance of XXXX. This number has been this amount for over a year now with no accrued interest added to it until this month. So now all of a sudden the accrued interest for this loan has been reported for this account and XXXX XXXX says the balance has increased from XXXX to XXXX out of the blue. When I go to my loan details page, my current balance for this loan still says XXXX. What is reported to me versus what's reported to the credit bureaus is not presented the same way. If they can attach that interest to my loan for credit purposes than the current balance on my loan should reflect that number reported to the bureaus not the same XXXX then another section listed as " unpaid interest. '' I believe that this interest should not be added to my credit report as it has not ever been reported up until this point and it is not reflected in the current balance in the loan details page on my online portal. I feel that I am being penalized for following my repayment plan that was assigned to me by my loan servicer. If my current balance is one thing on my loan details page, it should be the same on my credit report unless the interest capitalizes and is added to the original loan amount. This style of reporting currently used by my servicer makes my loans look like a credit card account and that I'm supposedly borrowing more money and constantly changing every month. An installment loan is not a revolving credit account, thus it shouldn't be treated as one with constant changes in balances. An installment loan is only supposed to affect your credit score if you miss a payment or default. Neither of which has happened yet in seeing a 47 point drop which is ridiculous! This will adversely affect my ability to apply for a mortgage or any other lender based activity that my credit score is based on due to an account that I've never missed a single payment on. My credit worthiness is being depicted inaccurately because of this loan servicer. Please help me resolve this.
Complaint sub-issue: Reporting company used your report improperly

Unauthorized reporting and inaccurate accounts reported from my credit report.
Complaint sub-issue: Denied request to lower payments

Regional Acceptances is harassing me on my job about my past due loan. My son died in XXXX, I was out of work for several months due to this and the same for his dad and older brother. 

My older son lost his job, he is working again now. My husband lost his job, working two part time jobs. I just paid 2 payments. 

I have asked them on multiple occasions to NOT call my work number and they just did today at XXXX on XX/XX/XXXX. At my work # XXXX. XXXX with Regional Acceptance has my cell #, they have my email address and admitted to calling me everyday and emailing me. They also made me agree to allow them to do the automatic calls to my cell #. I am tired of the harrassment, especially at work. They just ignored my prior requests to NOT contact me at work on the job. 

Thank you, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019 XXXX XXXX XXXX  equifax highest balance {$310.00} and highest balance {$310.00} i have 3 late payment on both credit breaus and the credit breaus will not remove it from my credit report .also XXXX XXXX  XX/XX/2019 eqifax and XX/XX/2019 XXXX  will not remove the late payments off my credit report neither.I tried getting those removed with dispute letters but they still would not removing those my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX  XXXX, XXXX, and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Problem with fees

Dear CFPB, On XX/XX/XXXX, I have called Citi Bank to resolve issues in regards to late fees and interest posted on my account. I opened the Citi AAdvantage platinum select card in XX/XX/XXXX, and I have made a purchase of $XXXX on XX/XX/XXXX through a method of payment system in a convention center at XXXX XXXX where the payment was charged without my presence on-site. Normally, we provide our credit card information to the convention center before any trade show begins. Basically, I am not aware of whether there are charges or not on the Citi Platinum credit card. The only way I would know is if the banks send me a statement every month. I have credit cards with Citi Bank for over 10 years and I have so many other credit cards with other banks for over 15 years, and I have never made a single late payment because I always receive a statement. However, I have never ever received an e-statement or paper statement from Citi Bank for this Citi AAdvantage platinum select card. Since this is a new card that I applied in XX/XX/XXXX, I did not have any information about who to pay to and where to pay because I did not receive anything from Citi Bank. This is a completely new card that I applied, and I am not aware of anything since the beginning. Until XX/XX/XXXX when I finally received an email saying that my statement is ready. It is then I know that there is a balance of $XXXX since XX/XX/XXXX, and for 4 months of interest of late fees added up to be $XXXX. I contacted Citi Bank in regards to this issue, and they said they have no fault and I have to pay all of the late fees and interests. To me, this should not be my fault either, and I feel I am treated unfairly as a consumer. If this is not the bank's fault, and this is not my fault, why do I have to carry the fees and interest. It is almost $XXXX! This is very unfair to a customer who has always been loyal and responsible. The most important part here is that I have never received a statement and how am I supposed to know who to pay at the first place? This is a completely new account! I have called Citi bank multiple times, and I have spoken to different representatives, supervisors, managers, but they do not want to solve this issue. It is 4 months of late fees and interest charged to someone who has never received a single statement or notification from Citi Bank.
Complaint sub-issue: Debt was result of identity theft

There was a fraudulent account opened with XXXX in XX/XX/2014 as a result of identity theft, I have disputed this multiple times with Equifax but the issue has yet to be resolved.
Complaint sub-issue: Account status incorrect

I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Complaint sub-issue: Debt is not mine

ERC has called my mom and husband regarding my contact information stating that I have outstanding debt that needs to be paid. They have also called me. I do not have any outstanding debt and my credit reports are clean.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my daughter.
Complaint sub-issue: Didn't receive enough information to verify debt

I XX/XX/ I received a call from Macy 's about a missing payment. I have one Macy 's card that I use and it is with AMEX. I used the card in XXXX in the Macy 's store in XXXX, XXXX, and purchased two items. I paid {$50.00} toward this bill on XXXX The bill was due on XX/XX/XXXX I paid over the telephone and was given a confirmation number of # XXXX so I was confused as to why Macy 's was calling me. When I checked the automated account information, the message stated that my next payment was not due until XX/XX/XXXX While I was on the telephone I decided to make the XX/XX/XXXX  payment early. The minimum payment due was {$29.00}, so I made that payment and received a confirmation # of XXXX. After hanging up the telephone, someone from Macy 's called again. I was told they wanted payment for my Macy 's store card. I have not had a store card in 7 or 8 years. In the meantime, the representative said she was taking those two payments off my Macy 's Amex card and applying them to my store card. I told her not to do that because I would incur a late payment with Amex, I would be charged a late fee and it would impact my credit score. She told me she was taking the payment and needed to pay them {$89.00}. The new bill came she took all of those payments and I have a late fee. This can not be legal.
Complaint sub-issue: Their investigation did not fix an error on your report

Unverified collection account and unverified accounts on my credit report as well as inquiries. Ive disputed since XXXX of last year and everytime theyve said its verified as accurate with NO PROOF. Thats in violation of the FCRA and my consumer rights.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I repeatedly tried to fax them information, verify information, and have processed information for student loan forgiveness, student loan consolidation, and income driven repayment. They continually did not process information in a timely manner, could not tell me if they received information, needed me to send information excessively ( faxed daily for over a month ), and overall mismanaged my account to the point where I should been on year 7 of student loan forgiveness and I am currently on roughly the 3rd year which they state can not be corrected in any way.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not inaccurate. This is ground for removal they also violated my rights under 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 a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation
Complaint sub-issue: Didn't receive notice of right to dispute

I found a XXXX XXXX on my mortgage credit report. I moved, had mail forwarding and asked for and paid final bills on all of my accounts at that house including XXXX. My phone number and email address have not changed. I am not hard to find and pay every bill I am aware of. On XX/XX/XXXX I called XXXX XXXX   and told them I had no knowledge of this bill but would gladly pay it if it was deleted per FDCPA. I told them I wasn't notified properly. Had I know I owed it I would have paid it long before it became a problem. They said they did not delete accounts. That conversation went in circles and they told me to Call XXXX. I had the same conversation with XXXX and they said I could pay them and they would pull the collection from XXXX XXXX. I said great and paid them. I called the credit bureaus on XX/XX/18 and that account was still on my report. I called both XXXX and XXXX XXXX and they played dumb. When I spoke to XXXX on XX/XX/18 they said they would have their advanced collection team call me in 24 to 48 hours. It has been 9 days and counting. I can not qualify for a USDA Rural Housing Loa because I have a negative account in the last 12 months. This is not funny. I am easy to find and have 2/3rds the same contact info as when I had XXXX. This should never have been an issue and I am being punished because they chose not to make the slightest effort even though I consider my bill paying efforts to be diligent. I really don't see how I owe XXXX {$130.00} in the first place, but that is a different conversation. I want my credit restored by deleting the XXXX XXXX Account from all three credit bureaus. If I didn't turn in my equipment I would have an at least {$800.00} collection so then why would I continue XXXX XXXX after I returned my equipment.
Complaint sub-issue: Their investigation did not fix an error on your report

on XXXX XXXX I made a complaint claim num XXXX which Equifax responded that they would removed XXXX XXXX XXXX from my file which they have not done so. please remove immediately. attached is their response
Complaint sub-issue: Trouble with how payments are handled

I have been making extra payments on my Nelnet serviced loans since I started making payments. My minimum payment is like {$120.00} a month and I have been paying {$200.00} a month. I just figured out they 've just been advancing my due date and applying the extra payments equally to my XXXX loans. XXXX loan has an interest rate over 6 % while the other is like 3.5 %. When I called them, first they told me that 's the only way to do it. Then they told me they do it that way to help me pay over my smaller loan ( with a lower interest rate ) first. 

There is no way to change the application of the payments online and you have to dig through the help to find out the only way to do it is contact them. I emailed them, did n't hear anything back and it took me a while, some yelling and 4 holds to get the folks on the phone to change it moving forward. 

The effect is they 've charged me a ton more in interest on the XXXX I have overpaid that went to the 3.5 % loan instead of the 6 % + loan ... it 's XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under XXXX XXXX XXXX Re : Account XXXX. XXXX ( XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ), has violated my rights. 

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

15 U.S.C. Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

This account was deleted in XX/XX/2017 due to failure to prove it was my debt. Now it's reinserted on my credit report.
Complaint sub-issue: Problem with personal statement of dispute

I was given 60 days in a letter to respond concerning my identity information, which I gave my whole entire information to the company escalation team to improve and or, approve my decision. I was never told that my credit score was an issue, therefore only to verify my identification through my phone number. Although, that didn't matter many times trying to register my phone number correctly and having to be manipulated to purchase phone for better resulted in a phone to my name, now more costly business. I was decline credibility from the company.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Equifax continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. Equifax is missing ontime payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX and XXXX. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Equifax the dates XX/XX/XXXX and XX/XX/XXXX of are listed at XXXX and 180 days late but XXXX has them listed as 120 days late. on account number XXXX Equifax has dates XX/XX/XXXX and XX/XX/XXXX listed XXXX and 180 days late but XXXX has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both acccount XXXX of XXXX and the other XXXX they are both charged off the balance should be XXXX.
Complaint sub-issue: Debt is not mine

CKS Financial continues to collect and report to all XXXX national credit reporting agencies without any merit. I have tried to contact them several times with no response. I contacted the XXXX and the company said it will contact me regarding the complaint. I origionally disputed this debt as not being mine over 75 days ago.I have asked for proof of validation of references debt, they can not provide it to me. They continue to report this false claim on my credit which is affecting me dramactically for no reason.CKS Financially has over XXXX simiular complaints file against them for same practices. Many lawsuits are following for failing to abide by the fair debt act guidelines.