Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.
Complaint sub-issue: Debt is not yours

Medical billing company refuses to acknowledge billing error. Will not engage for review and have now proceeded with collections process. 


********** details of issue **************** Wife scheduled a " XXXX XXXX '' exam and  attended the scheduled exam. 

Insurance ( XXXX ) benefits indicate a {$0.00} copay for this service XXXX  mis-coded and has attempted to collect a {$25.00} deductible I contacted XXXX regarding the issue. They agreed with our position and indicated that it should have been coded as a " well woman '' exam with a {$0.00} deductible I shared this info with XXXX, and the person on the phone indicated that there was nothing she could do ( NOTE : Ive had multiple conversations with their clerks over the course of time between XX/XX/2018 and now. ) I asked her to escalate my call to her supervisor. She indicated that she could not, but I could write a letter to their billing complaint department. She indicated that they would call me to discuss the issue. 

I wrote the letter and mailed it to their offices on XX/XX/2018 and as of this date, I have received no communications from XXXX  except for a billing statement indicating an overdue balance of {$25.00}, and XXXX based collection phone calls to my wife. ( I can share with you the letter if you need it ) Ive indicated on each phone call to the billing department that the charges are erroneous and that I wish to dispute the charges. Ive followed the instructions for submitting a written dispute to their offices, yet, XXXX XXXX XXXX seems unwilling to honor my request to dispute the charges. 

My request of your offices is to help me initiate the dispute procedure with XXXX. Each phone call Ive been told that if I dont pay the bill, they will send it to collections which will have a negative impact on my credit report.
Complaint sub-issue: Can't close your account

I opened an Accelerate Savings account to store funds while shopping for a new home. Upon going to withdraw these funds, Citi refused to transfer them. They cited a $ XXXXmo withdrawal limit - at no point during the opening or funding of the account was I notified of this limit. With this policy in place it would have taken over a year to access the full account balance. I believe this policy was implemented in bad faith, to force me to maintain a balance in the account against my wishes. 

Upon discussion with a Citi representative, they told me that the only way to immediately access my funds was to temporarily open a Citi Interest Checking account which would allow me to wire the balance to my primary bank for a {$17.00} fee. This account requires a $ XXXX  minimum balance, and has a $ XXXX  monthly servicing fee. 

After many hours on the phone with Citi representatives and hold times that seem intent on making callers give up, I was able to transfer my funds. I contacted Citi again to close the checking account but was told that because the account was less than 30 days old, they could not close it. Upon opening the account, I was told by the Citi representative that only needed to have it open to complete the wire transfer and could then close it again. The representatives refused to escalate to someone who could and suggested I call back after the account was open for 30 days. Again, it seems that this policy is enacted in bad faith - if the account remains open without the minimum balance, I will be charged account servicing fees.
Complaint sub-issue: Trouble with how payments are being handled

The company ( Nelnet ) excludes the group loan from your homepage when you have " paid it off. '' However, there was still interest left on the account and they did not issue me a bill or anything telling me there was interest left. When I found it and called they said this was their process and that " Do n't worry about my credit report. It would n't show default for several months. '' The payment was made by the military under a student loan repayment plan so I was unable to tell how the money used for each loan. They applied it to the lower interest loans in order to receive more money from me in the long term with interest.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

XXXX XXXX XXXX, XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX. XXXX XXXX, 2021 XXXX, XXXX XXXX, 2021 XXXX/XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX/XXXX, XXXX XXXX, 2021 HERE IS THE LIST To my knowledge there were inquiries with XXXX, equifax and XXXX
Complaint sub-issue: Debt was result of identity theft

IC systems responded to my complaint with a form that show they know my name and address. This is not a validation, it seems as if someone used my mane and address and obtained a phone and this company is requiring me to pay for it. I have not done any business with this company nor XXXX  and they should not be able to submit information thats false to the credit bureaus.
Complaint sub-issue: Account status incorrect

I have been trying to get in contact with a creditor that is listing a charge off on my credit. XXXX is reporting a charge off with a balance of {$57.00} and i have called a lot of different places in attempt to settle this debt with no success. Apparently XXXX no longer services XXXX credit cards and i can not find any contact information for them. This account is affecting my credit scores and i need to be able to settle. I want to settle but if this company no longer exist who do i pay?? I'm not sure what to do and am requesting that the bureaus remove this debt from my credit file.
Complaint sub-issue: Fee problem

Before I start this complaint, as I have stated to PNC representatives, I have no problem paying overdraft fees if I present a transaction at the time of purchase and the funds are negative. On XX/XX/XXXX, the account available balance was XXXX cents ; however, to my surprise on XX/XX/XXXX, I was charged two overdraft fees of {$36.00} for an available balance of XXXX. I used my debit card for these transactions and at the the time of transaction, funds were available and had a positive balance. With this being a new account and one direct deposit on the account, if I had a negative balance on the account, the transaction would have rejected. I spoke to a Retail Support Manager and I explained and he confirmed - if I have opted out of coverage - the transactions would have gone through and fees wouldn't be assessed. Since I opted in, fees were assessed. If I had a positive balance when I swiped my cards, what service was used for me to occur overdraft fees in the amount {$72.00}. 

Also, the mobile app currently says that I could overdraft {$89.00} from XX/XX/XXXX to XX/XX/XXXX ; however, this amount has been processed.
Complaint sub-issue: Account information incorrect

Im XXXX I have 6-8 late payments that are on my credit report. I was on XXXX XXXX that year. I have called each credit bureau several times & submitted several disputes in regards to this situation.
Complaint sub-issue: Threatened to sue on too old debt

This debt was placed for collection, repackaged and sold to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX The original debt is over 9 years old, and the new Debt collection company submitted in error that it was placed for collection on XXXX. They sold it to another debt collection company and I have a current XXXX account in good standing, but the new collection agency reported the date wrong so they can attempt to collect this old debt longer. I would like this removed from my credit report as they continue to harass me daily. Thank you Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$760.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$760.00} Original Creditor : XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My current credit report reflects two Kentucky Higher Education Student Loans with the same account numbers, open dates and closed dates. They both state that the account was transferred, closed/Never late. They have to different loan amounts Kentucky Loan 1- Closed XX/XX/09 for {$10000.00} Kentucky Loan 2- Closed XX/XX/09 for {$8500.00} Could not submit dispute because I had to wait until others account disputes were settled.
Complaint sub-issue: Debt was paid

I underwent an XXXX, prior to XXXX. This was paid to XXXX XXXX XXXX. Due to overpayment, I received to checks from XXXX XXXX. However, they continued to send statements. I do not understand why I would received overpayment checks if money was owed to them. In addition, I attempted to pay online, and there is no balance owing. I received letter from EOS CCA collection office on XXXX/XXXX/2016. Here is copy of my letter to them. I also have submitted check to them, dated XXXX/XXXX/2016. 

EOS CCA XXXX. XXXX XXXX XXXX, MA XXXX To whom it may concern : I am writing this letter and submitting check to you under duress. This ongoing dispute with XXXX XXXX is way beyond a joke. Why am I submitting check? I am disgusted with their inability to operate their financial system, and then to pass account to collection agency. 

This copay was submitted online. I then received XXXX checks from XXXX XXXX re overpayment ; now there 's a thing. Unfortunately, I did not document, as I did not have a crystal ball, and did not realize I would have to deal with people that should not be in finance positions. I continued Type to enter text to receive letters re the amount of {$46.00}. 

My wife contacted XXXX XXXX and advised them of this, per last statement XXXX ; payment was due XXXX. Unfortunately, she did not request name of XXXX XXXX representative. My wife advised lady that she would immediately make another payment online. Guess what? No balance due!!!! Go figure. She attempted several times with, I may add, the correct information ... No balance due!!!! No balance due!!!! I certainly could not understand this. It probably was due to the fact that NO BALANCE DUE!!!!! Surprise, surprise, I received a collection notice. Of course, I am incensed at the stupidity of all concerned. 

My wife contacted XXXX XXXX AGAIN yesterday, XXXX XXXX. She spoke in depth with XXXX from billing department. Conclusion? XXXX suggested calling another number, as she could not provide any pertinent information ... .or she knew nothing. To say my wife was frustrated is an understatement. 

On to your letter, which states one can pay online. Guess what? You have a technical issue and would not allow online payment ... I have never in my life been so utterly frustrated and angry and shall be forwarding this letter to FTC with official complaint. Let 's face it, why on earth would XXXX XXXX send me XXXX overpayment checks, yet not apply to what they say was owed to them? To reiterate, I am paying this check to stop everyone harassing me. Crazy is not the word!!!! This is wrong, wrong, wrong, wrong!!!!!!! 

Sincerely,
Complaint sub-issue: Public record information inaccurate

This letter is to inform Equifax that they are breaking the law by reporting this bankruptcy on my credit report. 1. I never gave you or any other agency permission to put this bankruptcy on my credit report. You need a " permissible purpose '' or my written permission to report items to my credit report. 2. you have infringed on my right to privacy by reporting this illegal and inaccurate information. I recently wrote the U.S Bankruptcy courts and they informed me that they do not report to anyone. I went ahead and contacted XXXX. They said they do not report to anyone also. I then contacted XXXX XXXX and they too let me know that they do not validate anything from the courts. The 3rd thing that is wrong with this Bankruptcy being reported to my consumer reports is that you aren't even reporting the balance that is owed. Under the law, I have the right to fair and accurate credit reporting. So please help me understand how you are reporting this Bankruptcy on my credit reports when no one can validate it. If you can not provide me the information on who validated this account. 1. Name of the person you contacted, business address, and telephone numbers so that I may follow up. 2. How did you contact the furnisher and verify my information? 3. What paperwork you used to verify my information? I would also like to know if the person you contacted gave my name, social security number and birthdate, and address. Since this information was obtained illegally and since it infringes on my right to privacy I want this Bankruptcy removed from my credit report immediately and provide me with an updated credit report. I appreciate you investigating this matter and giving it the attention it needs. Thanks in advance.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On approximately X/XX/2017 I was notified that someone opened an unauthorized XXXX credit account in my name. I contact XXXX and the account was immediately locked and then closed. XXXX  internal investigation determine this was a fraudulent account. 

The opening of this account though required a hard credit check. I filed a dispute with Equifax then. Today I was notified the dispute investigation has been completed. When I checked in the morning it said the investigation found that the investigation found this was not a fraudulent account ( even though XXXX 's investigation said it was ). Now in the evening I am unable to access the investigation report because when I enter in the info into Equifax 's site it says that my information does not match. Equifax also provides no customer support phone numbers for users to call about this matter.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019 Equifax received my certified letter requesting the method used to verify and validate accounts and collections on my credit report. Equifax had 15 days to get this information to me or remove the unverified and unvalidated collections from my report. It is now day 17 and I have not received anything from Equifax and the unverified creditors and unvalidated collections are still reporting on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

How many times do I have to tell the Credit Reporting Agencies that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my file? I previously sent a letter to Equifax requesting the investigation and correction of the accounts and yet they have done nothing. Equifax is obliged to investigate and update this account per consumers requests under the FCRA regulation. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that Equifax take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Right to dispute notice not received

I have a a unverified account from JEFFERSON CAPITAL SYSTEM. I had previously disputed this account. I have never done business with JEFFERSON CAPITAL SYSTEM. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that JEFFERSON CAPITAL SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that JEFFERSON CAPITAL SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. MY family and I are looking into purchasing a home and as you know credit is extremely important. I never took my credit seriously and barely checked it which is why I never knew that I was being violated on this level. I spoke to my lawyer and he explained that I should file a report with the Federal Trade Commission, which I have. Under section 605 b this accounts must be removed within 4 business days of receipt of this letter. Please help me as this is extremely unfair. My family and myself are counting on this. Thank you. The accounts are listed below.
Complaint sub-issue: Account status incorrect

I sent Certified letters to  XXXX  and Equifax on   XXXX   XXXX   XXXX   ( I have the receipts ) requesting that they correct  XXXX   XXXX  Loans that were included in my Chapter  XXXX  BK  discharged  on  XX/XX/XXXX . I also sent a fax to Equifax on  XX/XX/XXXX  requesting the correction. They are showing these  XXXX  accounts as delinquent and my credit score has dropped over  XXXX  points. These were private loans ( not student loans ) and co-signer is now responsible. I also sent the bureaus the letters from  XXXX  dated  XX/XX/XXXX  confirming that I am no longer responsible for these  XXXX  accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi CRA XXXX XXXX XXXXb Bank ; ***See attachments that for a civil judgment that was settled and I was promised and guaranteed that it was going to be removed or deleted from my credit report. ****** Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Can't decrease my monthly payments

I graduated in XXXX after getting an XXXX from XXXX I married directly out of college, had a son and was a stay at home mom while my husband worked. We divorced in XXXX and I sought work out of the home to take care of my son. In XXXX I filed for Chapter XXXX because I was unable to pay my bills and take care of my household all at the same time. During the proceedings a representative from some student loan institute said they would not forgive my loan but they could re-work the payments ( even though during the year I filed they were forgiving student loans ). I have never defaulted on my loan but now I am starting to feel overwhelmed because this debt that started out at around {$35000.00} when I graduated in XXXX, is now almost {$150000.00}. I am almost XXXX XXXX XXXX and based off my income they have set my payment at a zero dollar monthly payment. I do n't know how I will ever pay a loan off on my income and based off a zero dollar payment. I have spoken to several representatives about how to get my loan down and all they recommend is working XXXX jobs. Wow what advice. I have applied for XXXX jobs, for government jobs and even the XXXX. None of which have been successful. I feel like there is no light at the end of the tunnel. Are there other alternatives? What can I do to pay down this loan? I am not running from my responsibility but it seems like my financial obligation has tripled as a result of me not being able to secure employment paying me a high enough wage to keep up with payments.
Complaint sub-issue: Card opened as result of identity theft or fraud

I AM A VICTIM OF AN IDENTITY THEFT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. SOMEONE STOLE MY PERSONAL INFORMATION AND MADE SOME FRAUDULENT CHARGES. NOW I AM VICTIM, AND I AM BEING PENALIZED FOR SOMEONE ELSES CHARGES. NOW I DON'T KNOW HOW THE THIEF GOT MY INFORMATION OR WHERE HE MADE THE CHARGES, BUT I SHOULD NOT BE PENALIZED, HOW IS THIS FAIR TO ME. I HAVE GONE TO THE POLICE, I HAVE GONE TO THE FAIR TRADE COMMISSION OFFICE, NET I WOULD LIKE TO INFOMR THE WHITE HOUSE BUT I BELIEVE THEY HAVE BIGGER ISSUES RIGHT NOW. BUT THIS IS MY ISSUE AND ITS VERY IMPORTANT TO ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY.