Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Complaint sub-issue: Funds not received from closed account

I have reached out to XXXX XXXX multiple times and he has yet to return my phone call. I am being evicted and just want my money out so I can afford to move home. They have created claims randomly on dates I had no access to my account. So did I just come up with a number to claim fraud? How does that work? They refuse to balance my accounts out by putting money from my checking into my savings so they can continue to charge me overdraft fees. I lost my job and have no income and them holding XXXX from me is causing me to lose my apartment and have to move home. All I want is my money back after trying to move my money from another bank but closing my old bank too soon ( not knowing it takes 7-10 ) days for a check to clear. It is a simple check but XXXX XXXX of LA US Bank XXXX in XXXX, General Manager and Assistant VP, refuses to talk to a customer after I reached out to him multiple times to have a XXXX. But of course, he is as heartless as they come. Most of the employees I have talked to have said " that sucks '' when I tell them I am being evicted. All because they will not give me my money back and close my account so I have nothing to do with this illegal bank ever again. How they are not in more trouble is shocking to me but I guess that is how America rolls. Creating XXXX of personal loans, credit cards, accounts is not a violation of the law. So the FDIC is not there to protect consumers. None of them are. When I become a lawyer, I am coming after every bank and it's illegal activities.
Complaint sub-issue: Account terms

I wrote to XXXX XXXX Bank asking them to provide proof that they own the debt which was not originally there 's. I got no response and it 's been well over 90 days. I asked XXXX and Equifax that they be removed and it was only deleted from XXXX. I would like them removed from all XXXX bureaus.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX I'm writing to you regarding discrepancies I have found on my credit report. Why is this account by XXXX XXXX being reported with only 1 credit bureau. It needs to be DELETED for INACCURACY According to FCRA : 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( a )
Complaint sub-issue: Trouble with how payments are being handled

I have two student loans in repayment with AES. One is subsidized, the other is unsubsidized. I have been paying on these two loans through AES for about XXXX  years. For the first XXXX years or so, they would apply my monthly payment to both loans. One loan amount is larger than the other. The larger loan had a corresponding larger amount of my payment applied to it. 

However, around the beginning of this year, XXXX, I noticed that they stopped applying my payments to both loans. AES started to only apply my payment to one loan, thus letting the interest just build and build on the other loan. This would mean that I would never finish paying of my loans, as one just continued to grow rather than getting paid down.

On their website, they do provide a page in which it states that I can choose which loan to make a payment towards, or how to apply my payment to my different loans. However, They group my two loans together, so I can only make a payment on both of them at the same time. But, again, they stopped applying my payment to both loans. They only apply it to one, and let interest build on the other. Thus making me pay much more in the long run and increasing the total amount of money they will receive from me in the long run.

I have called them once and emailed them through their website 3 times about this. They have gone back and changed how my payments were applied. However, they continue to not apply my payments towards one of the two loans. In my emails I have asked them to apply my payments to both loans. I have asked them to go back to applying my payments the way they used to. I have told them that I am not able to choose how much of each payment go to which loan because they have the two loans lumped into one payment. I have pointed out to them that they are ripping me off and that they are unethically changing the way the apply my payments in order to make more money for themselves in the long run. They have corrected the previous payments after I contact them each time. But they are seemingly refusing to go back to applying my payments they way they used to. And they are seemingly refusing to go back to applying the payments I have repeatedly requested them to.

So, if I don't pay attention each month and message them, I will just rack up interest upon interest on one of my loans and end up paying them a lot more money than if they would apply my payments to both loans as I have requested them to do and as they used to do. 

For instance, I made a payment on XX/XX/XXXX. I'm not 100 % sure on the amount, but I believe it was a {$650.00} payment. For this {$650.00} payment, they applied it all to only one of my two loans, despite both loans being selected to pay towards. This now leaves the loan that they did not apply any portion of my payment to with about {$190.00} in interest, on top of the principal. They are doing this on purpose so that this amount continues to increase and I never pay that loan down. 

Can you help me so that this unethical company can't keep trying to steal money from me?
Complaint sub-issue: Account status incorrect

I have sent out numerous letters to the credit bureaus, XXXX, Equifax and XXXX in regards to an account that is listed on my credit report. I simply requested for them to perform an investigation to confirm the validity of this account. The account in question is also being reported inaccurately with all XXXX bureaus. Each of them are stating different information on the date last reported as well as in the payment history. After months of sending them letters they have only sent me back a generic letter or so stating the account was verified as accurate. This is simply not true. I have attached reports from all XXXX bureaus that I pulled yesterday proving that they are lying. How can they all have different information and the account be proven accurate? It can not. Not only that, but I never even received the required notice of dispute in the mail and from what I understand is a violation of my rights under the FCRA if I do not receive this letter once a dispute is entered. Letters were sent out XXXX, XXXX, XXXX and XXXX respectively. I have also attached copies of these letters for your records. I do not believe any formal investigation was done because the errors on my report are clear as day. This has been a total nightmare and financial burden for me. I would like to have resolve on this matter ASAP. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Attempted to collect wrong amount

I am requesting from the collection agency ESO CCA. A copy of all my bills from XXXX.I requested this info back in XX/XX/XXXX.They never sent it out.I want to verify the amount owed.I want all my bills.I don't owe this amount.ESO CCA brought the debt from verizon.They don't even really know about the real true amount .They refuse to send me the bills out.I want to removed from my credit report asap.I disputed this back in XX/XX/XXXX.Its is a grace violation of the FDPA and FCRA.I am a XXXX XXXX  who will be filing a law suit against in US District Court Federal Court.I will also file a subpoena .So I can get a copy of all the recorded phone calls.

My Acct # XXXX Alledged amount owed {$2100.00} I spoke with a XXXX, XXXX XXXX  and XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I applied for a XXXX XXXX  XXXX XXXX credit card using the XXXX XXXX XXXX website ( XXXX XXXX XXXX ) that took me to XXXX XXXX   XXXX XXXX XXXX XXXX XXXX ) that I completed on XXXX XX/XX/2020. My application was not approved the same day. This is the first time in my life that I did not have credit approved. My XXXX  score on the date of application was XXXX ( from XXXX ). 

I followed the instructions on the XXXX XXXX XXXX website and unfroze my XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX ) for this application. There is no listing of Sagestream LLC. 

On XXXX XX/XX/2020 I received the XXXX XXXX  credit rejection letter dated XXXX XX/XX/2020. On this letter it was stated that my rejection was based on report provided by Sagestream LLC. 

I tried to contact Sagestream LLC via their telephone unsuccessfully. I tried to obtain my credit report via their website ( https : //www.sagestreamllc.com/ ) and was not able to via the reference numbers of the XXXX XXXX  credit rejection letter.  Sagestream LLC was requiring me to enter my personal information which I am not going to do. 

I believe that I was treated unfairly as XXXX XXXX  as they used a secondary source to deny me credit as I have a strong credit history of over 40 years with no credit issues. I believe that my application was not approved because I do not carry any balances on my current credit cards and that XXXX XXXX  uses the outstanding balances as a revenue source and that I would not be revenue source. 

Thank you, XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax is reporting an account as being a credit card/ charge account, when in fact it is a revolving account. I have reached out to Equifax and I also have several complaints that I have expressed, but I have yet to hear from Equifax. The account that needs correction is XXXX, XXXX XXXX. Date opened : XXXX XXXX.
Complaint sub-issue: Received bad information about your loan

I have been making my payments on time since I graduated in 2014. It started XX/XX/XXXX when I received a phone call from the company stating I owed over {$2000.00} even though I received a statement each month and it showed I owed {$0.00} for the month ( I still made the same payment I had been making of {$300.00} each month even if it showed {$0.00} due ). I stated this on the phone to the agent and I got escalated each time and the the 3rd agent agreed with me that something seemed wrong and that I had in fact been making payments. He indicated he thought something with wrong with their system and my account it they had recently gone through an " audit ''. He said he would send this to their expert for research and to not make the $ XXXX payment their system showed me as owing, but to still make my payment of {$300.00} on or before my normal due date of the XXXX. 

I never heard back from the company and called every two weeks or so until my loans finally I reached an agent who could explain the situation. Meanwhile my some of my accounts ( but not all strangely ) were reported to the CBR 's as past due which tanked my credit score and is preventing me from getting a more favorable rate. When i spoke finally with an agent, it seemed their system inadvertently miscalculated or messed up my account and they were going to try to fix it. 

I was told they would reach out to me once it was fixed but never heard back from them again. My accounts were finally reported as current to CBR but my score still shows past due payments on my account and my score has not gotten better. In addition, I never received any follow up from the company saying it was taking steps to fix my account or my credit they incorrectly reported. I did receive a few days ago finally a letter which does show my account not messed up anymore, but nothing still from them regarding fixing my credit or any other restitution due to the stress and impacted credit score they caused. I will be reaching once again to the company after submitting this complaint. I feel this was unfair and abusive towards me which caused me harm. I am making this complaint in an effort for the company to take notice and not just file my account away as one more statistic and hopefully someone takes action.
Complaint sub-issue: Account status incorrect

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the accounts that need to update or remove from my report immediately. 
XXXX XXXXXXXX-Balance {$0.00} XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/2018 XXXX XXXX XXXXXXXXBalance {$1100.00} ( Original Creditor : Medical ) -23062-Balance {$110.00}
Complaint sub-issue: Information belongs to someone else

I have these accounts that are not mine and i want it to be removed from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CITICARDS CBNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number  : XXXX This is not mine.
Complaint sub-issue: Account status incorrect

The Family Support division keeps reporting false payment information and has my account status closed in collections for arrear payments. I have wrote letters to all 3 credit agencies of this incorrect information. 

I have no missed payments and I am recently divorced as of XX/XX/2022, the judge reduced the amount of the payments and eliminated all arrear payments. I have provided proof of these documents, ( payment history printout from social services which collects this data & my final divorce decree ). XXXX is the only agency that had removed this account with the proof i have provided, XXXX XXXX Equifax keep stating the information they receive is correct from the debtor. Which keeps me disputing the same item over and over again. Why are asking me to submit documnets, which i provide, then doesn't take into account of it being valid. 

The bi-weekly amount out of my check is {$410.00} for payments and arrear balance of {$3800.00}. MO family support had never reported any of my payments until i disputed this with the credit agencies, which lowered my credit score significantly .By law they are to report all data each month, which they are not. 

I have disputed these remarks in XXXX, XXXX, XXXX given 30 days of each investigation
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX 2017 my wife and I signed a contract with XXXX XXXX XXXX  XXXX to remodel our custom oak kitchen. The work was to include refacing existing cabinets and installing new doors and drawers, countertops and backsplash. We charged {$20000.00} thru XXXX XXXX card. The contractor has still not completed our work. Also the work that has been completed is unsatisfactory. We made several attempts to solve this matter with XXXX and have been ignored and left waiting for people to show up that never did. We have paid the {$20000.00} in full ( because interest free term is up next month ). We filed a dispute 2 times with XXXX XXXX/CitiBank and have been denied both times. We even asked them to send inspector to validate our claim. They chose to believe the contractor 's word. We have found out multiple people have filed the same dispute and were denied as well for the same reasons. Please take the time to review our case. Both XXXX XXXX and XXXX XXXX has our money and we have an unsatisfactory and unfinished kitchen. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, U.S. Department of Ed, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 


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 , and XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent in letters regarding inaccurate reporting of misleading items and information on my credit report. I'm feel like I'm being ignored of my disputes. It's been 90 days since my first dispute. These are deceptive practices by the bureaus.
Complaint sub-issue: Attempted to collect wrong amount

Hunter Warfield called me a few months ago regarding an apartment i had taken my name off of they told me there were trying to collect the dept from Villages of XXXX in Ohio. I told them my name was supposed to be taken off the apartment so I'm not liable for the dept. They continued to call me 3-7 times a day for almost a month. I told them to stop contacting me they proceeded to send me emails trying to collect the dept. the newest email they sent i noticed they were trying to collect interest on the dept but when i logged into the actual apartment complex payment site they are not asking for interest. i contacted Hunter Warfield to inform them my name was supposed to have been taken off the apartment i had paperwork to prove it and they were also trying to collect the wrong amount. The person i spoke to at hunter Warfield pretty much told me they can collect the interest even know the apartment complex is not asking for interest. I again Told them to stop contacting me they since called 4 times ( in 2 days ) and have threatened legal action of a lawsuit.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed multiple disputes with ALL  XXXX  agencies attempting to have claims that are entered  two  and  three ti mes an d may v ary by a couple of dollars removed. There is a total of  XXXX  claims on my report of those 50 % or more are duplicated or entered  3  or more times. The one claim that is a real problem for me is a claim of  XXXX  which was not my medical bill. When I disputed the claim I was told that it was a joint account. I was not the person in the hospital, I did not get any services from the hospital and I do not expect to be harassed,  black ma rked for something I had no control over, additionally that account was paid  XXXX  upfront and that money was never deducted from the claim which was a workers comp claim to begin with as well as private insurance through  XXXX . Why I got the honors of it being reported on my credit was I married the wrong guy. The Reporting Agencies have an obligation to prevent this type of action but they perpetuate it and once the domino has fallen the other  XXXX  just fall right on down too. I have been damaged, harmed, denied, crippled because of this and it has become exhausting to fight or dispute the errors because it sets off another wave of reporting negative claims from the third party creditor, collector. I even went to the source of the original debt, they wrote the charge off but later recanted that write off almost 2 years after the fact. I also told them that I was having trouble with the collector agent but they said " He does whatever he wants to do ''. They were n't entirely wrong about that he does do whatever he wants to do even if it meant breaking out his fees from their bill and collecting on them both as separate judgement and written off debt. How is a girl suppose to get out from under that heap of  -- -- -- -- -- -?  I also went as far as the AG 's office but they are compromised because they collect debt from the original institution which is a hospital.  Medical Debt  is drowning myself and my spouse but the majority of this debt is doubled, tripled or ad a financial arrangement that should have cleared the debt. Help, Please.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

I have negative accounts that was open from fraud and I contact the credit agency Equifax and they are not applying at all to remove these negative accounts off my credit file
Complaint sub-issue: Their investigation did not fix an error on your report

All three credit bureaus the Nexus XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

From the month of XX/XX/XXXX to XX/XX/XXXX, I was living in XXXX XXXX Texas for work questions. The company XXXX offered me an internet service without any contract, I paid in advance to consume one month. 
At no time, I signed any contract, never assumed any commitment to pay, and at no time the company XXXX contacted me to negotiate any debt I returned to Utah on XX/XX/XXXX, after spending a month I received a credit alert in my XXXX  account of which I am a member. When I review the company XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, I was taken to collection at the request of the company XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
File a Dispute in XXXX  XXXX and on XX/XX/XXXX received the response from XXXX XXXX 's report. 
The answer design ; " The Element was removed from your Credit report At this time the XXXX company took me back to collection using another company The company XXXX acts outside the law and does not respect the rights of consumers. 
The company XXXX uses the collection companies and the credit bureaus to violate the rights of consumers and affect their credit