Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

I established a payment arrangement in XX/XX/XXXX for bi-weekly payments of XXXX. I NEVER missed a payment or was late. I received a phone call last month ( XX/XX/XXXX ) from I.C. System, Inc. ( XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ) stating that my payment arrangement had ended and my final payment of {$27.00} was taken out on XX/XX/XXXX and I had a remaining balance of {$150.00}. Not sure who authorized the increased payment either because I did not. -- - I asked the guy to be put back on the payment arrangement I had in place because my financial situation had not changed. He told me that my ONLY option was breaking it up into two equal payments ( which would be 3x my normal payment amount ). I told him that was not feasible - he then THREATENED to put this on my  credit if I did not take the offer he gave me. I then informed him that it is illegal to threaten someones credit and that I could not increase my payment. I then went on their website and made a payment on XX/XX/XXXX for XXXX. Today I received a call from I.C. stating that this had now been reported on my credit ( after I was threatened ) - even though I still have not missed a payment.
Complaint sub-issue: Other problem getting your report or credit score

I applied to get pre-approved for a home loan, and on XX/XX/XXXX I was told that the lender was unable to get my credit score from Equifax ( XXXX and XXXX had my score available with no issues ). I called them and emailed them and was eventually told to fax them documents with my information which after some difficulty with their fax system I faxed them the requested documents along with a cover letter on XX/XX/XXXX. I emailed and called them later when I didn't hear from them and they told me to contact my credit card company. I contacted my credit card company and asked them to look into it and I found out about a month later that Equifax needed some documents from me. So I called Equifax again and faxed my documents again with a new cover letter on XX/XX/XXXX. I called them repeatedly to see if they had received my fax but as of today, XX/XX/XXXX, nothing has changed even though they said it would take 5 to 7 days. Their only suggestion was to wait 30 days for a response that I really don't believe will ever arrive.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I was a victim of identity theft. Someone has stolen my data and created negative accounts. I want to remove negative accounts from my credit report. I have sent the complaint letters to credit Bureaus to remove these accounts. These accounts are decreasing my credit points. But, they are not removing them. Please remove all negative accounts from my credit report as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/18 I got a email alert from credit bureau that a loan company from a unknown source had accessed my XXXX XXXX credit report in violation of [ fair credit reporting act ] with a hard inquiry sending my score down.i have not applied for any credit any where.nor have I gave permission to anyone to do so.
Complaint sub-issue: Trouble with how payments are being handled

I am currently in the Income Based Repayment Plan and have been for several years. At the start of XX/XX/XXXX, my loan was serviced through XXXX. I recertified my Income Based Repayment application and was approved for a reduced payment of {$460.00} ( rounded ) in XX/XX/XXXX. My loan was transfered to XXXX later in XX/XX/XXXX. The first couple of payments came out of my account at the regular amount. Suddenly, starting in XX/XX/XXXX they increased to {$630.00}. I called to ask why and was told that there was an issue with transferring the paperwork, but they would work on sorting it out. I was advised to continue to make my payment at the higher amount to avoid delinquency. Come XX/XX/XXXX, it was still not resolved and I called again before the payment came out to check into the issue. Was told again that there were issues with the transfer and they were working on it. When it was resolved, I could request a refund for the overage that was withdrawn. XX/XX/XXXX, my payment has now increased to {$690.00}. When I called again to get a resolution, I was told that my IBR was not transferred and that is what the XXXX   had calculated my payment to be. I had already submitted a recertification in an attempt to facilitate a more rapid resolution and my new adjusted payment as calculated by XXXX was still signficiantly lower than the now {$690.00} I am being asked to pay. I have been very patient and have attempted to work with them, however at this point I am incredibly frustrated. I have paid more than {$560.00} over my calculated payment amount. The last rep informed me that no refund is due to me and that this is just where I am. Also since moving from XXXX, XXXX has told me that my prior payments to XXXX are not included towards my PSLF even though I have paid through XXXX 's auto deduction program my monthly payment consistently ever since starting the program. I asked for XXXX to please review my request for a second review and was told it would take 90 days. 90 days exhausted mid XX/XX/XXXX and I have not heard any response from them at this point. ( The attached documents were what I submitted for the IBR in XX/XX/XXXX )
Complaint sub-issue: Information belongs to someone else

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Threatened or suggested your credit would be damaged

Acima credit XXXX  XXXX  on XX/XX/XXXX reported {$1600.00} balance on my credit report, dispute was filed yr XXXX on XX/XX/XXXX updates balance {$1500.00} and pass due amount {$1100.00} - Im requesting this debt collector to validate by original contract, signature and dollar amount change including personal information. Dispute with credit bureaus or by mail have not validated debt with documents of my signature or specifics of debt
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Account status incorrect

WELLS FARGO ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( Equifax, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX and XX/XX/XXXX, I submitted inquiries via XXXX 's online system requesting information and an explanation as to how my income based repayments were being distributed amongst my loans. A far larger portion of thte payments is being applied to the lowest interest rate loans, despite my having previously submitted requests, in writing, regarding application of payments ( namely to highest interest rate loan first ). I have been unable to determine whether the distribution of payments ( again, a substantial amount of principal on the lowest interest loans, but only a few dollars on all others ) is required, or whether fedloan should be abiding by my request regarding payment distribution. I found no applicable information on XXXX 's site. XXXX failed to respond - I received neither electronic, written nor telephone response to my question, beyond an email confirming receipt of my submitted inquiry.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I contacted Equifax to learn why score dropped by 35 points as nothing on my report would indicate why such a drop. The agent said she does not know why and the computer provides the numbers. I also informed her that one of the items is showing an increase to my account. I explained to her that if my previous month report was XXXX and now my current balance is XXXX how was an increase done. She just kept repeating the same thing. I asked her if she could put in an inquiry to find out why my score dropped by 35 points if nothing on my report is indicating the reason for this. All she could say is the computer generated it. I want experian to look into why my score dropped by so much with details. This is just unacceptable to a consumer that helps to stimulate the economy through purchases and paying for my purchases.
Complaint sub-issue: Information belongs to someone else

EQUIFAX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX ACCEPTANCE NOW XX/XX/XXXX XXXX REGIONAL ACCEPTANCE XX/XX/XXXX XXXX COMMUNITY CREDIT XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX FINANCIAL XXXX RESOLUTION XX/XX/XXXX XXXX ASSOCIATES XX/XX/XXXX XXXX XXXX ASSOCIATES XX/XX/XXXX XXXX GOLDEN XXXX XX/XX/XXXX XXXX RECOVERY CAPITAL XXXX XX/XX/XXXX $ XXXX RECOVERY COMENITY BANK XXXX ENERGY XX/XX/XXXX XXXX ENERGY PRIMARY XX/XX/XXXX PUBLIC RECORD FRAUDULENT ACTIVITY BKTCY CTS XX/XX/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 consumer right to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681c. ( e ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX A XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem getting your free annual credit report

Went online to request my free credit report from Equifax. Message reads unable to complete without any reason given and to mail in request. I mailed three different times each time getting a letter from Equifax statibng they need the same information. I want a copy of my free credit report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Told collectors to ceast & desist on XX/XX/XXXX after multiple calls to my work phone from XXXX all tran financial
Complaint sub-issue: Cashing a check

I was contacted on a freelancer site called XXXX saying that I was going to be an editor for the website www.gainsight.com. The person who did this contacted me from the number XXXX on XX/XX/XXXX. He claimed his name was XXXX XXXX. He told me to contact his Hiring Director XXXX XXXX ( XXXX ) via XXXX XXXX   for the interview and job briefing. 
I then contacted her and went through with the interview, was hired, and told I would be paid a rate of $ XXXX/hr. I was then told I would be emailed a check for {$1200.00} and that I was to mobile deposit it and send her a screenshot of the confirmation. This money was supposed to be for my materials to start working : software, work time tracker, etc. I did that. When the money was in my account ( XX/XX/XXXX ) she had me to make a XXXX XXXX account and send {$800.00} which added up to {$870.00} by the end to XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, TX XXXX. I sent them that ( XX/XX/XXXX ) and apparently the money was picked up by said person. A day later ( XX/XX/XXXX ) I was told to go to XXXX and buy three gift cards in {$100.00} increments for them. They stole my codes and redeemed them. 
After XXXX tells me that they are waiting to ship my items I do not hear from her. Which was fine because she said she would talk to me tomorrow ( XX/XX/XXXX ). Around XXXX on XX/XX/XXXX I receive an email saying that my account was overdrawn by {$1100.00} ... the amount given by a bounced check plus about {$14.00} I had in the account. I went to go to tell XXXX about this but am blocked on XXXX XXXX. I tried calling XXXX XXXX ; he is using a texting service so no call could be made to him. 
I called XXXX XXXX and tried to get my money back but could not. They filed a case for me which was case number:XXXX. I do not have a way to pay overdrafts or the fees and need my money back. 
I called XXXX XXXX and filed a claim with them. I filed a claim with XXXX who put a hold on the gift cards. I filed a claim with my local law enforcement. I filed a claim with my bank ( PNC ). I filed a claim with ic3.gov ( FBI ) The bank is telling me that I am responsible for repaying this in 14 business days. I was the subject of fraud and I am held responsible for the money. I do not have that money and find that I deserve to be repaid this money and not be at fault for something I did not do intentionally. I was not aware that this check would bounce. Therefore, I should not be liable for this
Complaint sub-issue: Their investigation did not fix an error on your report

I found a Charge offs on my Credit report form DISCOVER. I disputed it with the CRA it came back verified. I than sent a letter to DISCOVER about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your DISCOVER does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.
Complaint sub-issue: Information belongs to someone else

The credit bureaus are reporting erroneous information on my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Complaint sub-issue: Can't decrease my monthly payments

Initially when I enrolled with XXXX ( changed name to XXXX XXXX XXXX ), I had hopes of getting job placement assistance along with being able to continue my education in a college. Since receiving my XXXX diploma, I have not been able to obtain a job in the XXXX industry and was never able to continue my education with a college without having to start over. I am now trying to attend college and the loan continues to appear and cause problems with financial aide. I 'm unable to pay the loan, it has been sold several times and I 'm unable to get my transcripts from the school now that they are closed. Also, with the school being closed now, it 's like I 've never attended any type of higher education. I 'm asking that this loan be forgiven in order for me to move forward.
Complaint sub-issue: Threatened or suggested your credit would be damaged

received e mail from TRUE ACCORD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ON XX/XX/2019 SEEKING COLLECTION OF A DEBT FROM XXXX A PAYDAY LOAN COMPANY. I INFORMED THEM THAT THESE LOANS WERE PROHIBITED IN NEW JERSEY AN GAVE THE NJ STATUTE ANN.tit. 17,1 et seq., NJ STAT ANN. 2C : 21-19., NJ STAT. ANN. 17 : 15A-47 I HAD BORROWED {$800.00} and Paid back {$960.00} and considered this matter closed I disputed the validity and amount they were attempting to collect which was {$1600.00}
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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-XXXX FXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

Due to the COVID-19 pandemic crisis, I was laid off of work on XX/XX/XXXX. Once I realized I would have problems paying my bills I called every creditor, including Home Depot on XX/XX/XXXX, and asked for a hold on the balance of my deferred interest payment that would be due on XX/XX/XXXX. I was told that they did not get direction from corporate as of yet, and did not know if they were helping their customers with their accounts. However, they would have someone call me back or send a message as soon as they knew. I waited a little over a month, and noone called back. I called again on XX/XX/XXXX to ask what ( if anything was being done ), and I was told I would be put on a COVID-19 account assistance and my deferred interest payments would be put on hold, and what was already charged on XX/XX/XXXX would be reversed since I call just days before that. I waited, and it was not reversed. Therefore, I called again on XX/XX/XXXX, and was told the exact same thing and this time the rep ( who was very helpful ) said she went in and did it herself and I should see the change in my balance within a few days. I then received a letter via online, which stated my request was denied. Naturally because I was told that this was handled already I was confused as to what request this letter was referring to, so I called. I was then told that the rep was mistaken and although she said this would be handled ( which I am is on our recorded call ) they would not reverse the {$1500.00} that was added to my account on XX/XX/XXXX as as as well as the {$130.00} that was added on XX/XX/XXXX, and give me extra time to pay the promotional balance that is due, since I made it clear that due to the COVID-19 I was out of work. I would like them to remove this extra interest charge off of my balance, which is lowing my credit score, and give me an extension to pay my promotional balance, so that extra interest is not applied to my account balance in the mist of this global pandemic that has halted my family 's income. Thank you in advance.