Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

AllianceOne is a collection company that works with XXXX  Department of Revenue. At the end of XXXX, I received notification from XXXX  Dept of Revenue about tax that they claimed I owe on my XXXX taxes. They based this claim on my federal XXXX tax transcripts. After multiple phone calls and more than six months of trying to get an explanation about this discrepancy, it was pointed out to me by an IRS Taxpayer Advocate that it was the result of an error I made carrying numbers over from Schedule E to Schedule 1 and the 1040 in my XXXX tax forms. The IRS reformatted their tax forms in XXXX, and I accidentally carried over the total to the wrong line on the new 1040. I also missed the correct line on the new Schedule1 altogether. This created a discrepancy in my income, but didnt create any additional tax owed to the IRS XXXX so they never notified me or attempted to resolve it. The XXXX  Department of Revenue, however, desperately clinging to the possibility of collecting an extra {$500.00} from me, have sent me to collections. I have submitted to them my corrected and signed federal XXXX 1040X forms, along with a renewed IL XXXX tax formwhich stayed the same since the error was only on the federal forms. I also included a letter explaining where the discrepancy was and how it resulted from an error in carrying over income to the wrong line on the newly formatted tax forms. I also wrote a letter to AllianceOnewithin 30 days of them initially contacting meexplaining that this collection account was the result of a simple clerical error on my part. I explained that I had submitted all the corrected and signed forms to both the IRS and the XXXX  Department of Rev. I also explained that I was advised by the Taxpayer Advocate at the IRS to expect that it would take anywhere from 8 months to a year-and-a-half to have the transcripts updated. Since I submitted my original taxes in hardcopy paper form, I had to submit the correction in hardcopy form as well. As the Taxpayer advocate explained it, IRS had trucks upon trucks full off taxes waiting to be processed. AllianceOneas well as XXXX  Dept of Revenueare well aware of this delay and my inability to do anything about it. Yet I get harassing phone calls starting at XXXX from AllianceOne demanding payment. I have explained to them on multiple occasionsaside from the written letterthat this is an error and all the documents have been submitted to both the XXXX  Dept of Rev and the IRS. I am waiting for the documents to be updated by the IRS. I am certain they have documentation of this by this point. Their actions point to nothing more than harassment and intimidation in an attempt to collect debt that doesnt exist.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My card was lost/stolen around XX/XX/2020. I reported it to key bank and requested that my card be closed and a new one sent since this was the preferred method of payment for my unemployment insurance. However It has been over six months now and after multiple times contacting the company listed above they had only just closed my card down within the last few months well after a huge portion of my benefits have been spent by someone other than myself and it's now well into the XXXX dollar margin of loss that I have now been taken for and they have not been able to get back to me one time with an answer or resolution to the issue not have they even attempted to contact me leaving it to me to be the only side of our agreements that has followed through and continued attempting to reach out to them in hopes that we may solve this issue in a civilized manner. I now find it most difficult to get in contact with this company there for I am now reaching out to a third party in hopes that I may have some assistance in getting the issue at hand resolved so that I may finally be able to receive the benefits that are not only owed to me but that are most definitely needed and very much the difference between life or death with the importance of these funds when it comes to my living situation and  honestly how much I've been deprived due to the lack of these funds!!! Thank you for taking time out of your day to read this and hopefully there will be immediate action taken so that I may be able to continue my life as close to what it was like prior to the mishaps of losing my income In the first place! Have a great day and I look forward to hearing from you as soon as possible.
Complaint sub-issue: Problem with personal statement of dispute

To LexisNexis XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX - XXXX Telephone : XXXX Re : Consumer Number XXXX XXXX : Case Number XXXX Please note I have accessed my Lexis Nexis report online. I wish to report a discrepancy for XXXX vehicle claim mentioned on the report. 

Record 8 listed for XXXX XXXX  XXXX with following details : Claim Number : XXXX Claim Disposition : Closed Claim Amount : XXXX  Claim Type : Collision Claim Number : XXXX Claim Disposition : Closed Claim Amount : XXXX Claim Type : Rental Reimbursement This is not correct information on your records. XXXX XXXX XXXX provided their opinion on this claim which differs mine. The fact was that the vehicle was scratched by another vehicle while it was unattended and stationary in a parking lot. No one was present inside the vehicle at the time of the incident. We requested XXXX insurance to do a reading on our Vehicle computer that they did not do. My XXXX  driver record is clean as this was no fault of mine. XXXX reports are attached. 
Please request proof of my fault for this incident form XXXX before deciding it as my fault. XXXX does not have any such proof as it was a parking lot incident when I was not present inside the vehicle and vehicle was stationary. Therefore my driving record is clean as shown on DMV records. It is merely an opinion by XXXX that they did not take the incident as one claim whereas the truth is that it is one claim. 
Kindly rectify this error on my report and inform XXXX XXXX urgently as this is effecting my life during pandemic that is already been going thorough hardships. 
Thanks XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX
Complaint sub-issue: Account status incorrect

I recently was informed by XXXX that after a review of my account, based on credit reporting from Equifax, one of my credit cards which was inactive and had a zero balance was closed. The decision was based on information from Equifax which claimed that I had serious delinquency and/or past due accounts, poor payment history, too many requests for credit, and age of accounts. 

None of that is accurate. I consistently check my report to ensure no fraudulent activity occurs, I have not been late on any of my financial products in the last 10 years. In fact, according to their own reporting, it would appear as stellar, with zero payments late, no past due accounts, low balance carried month-to-month, etc. 

All the information within my report is contrary to what is claimed in denial letters. I have reached out to EQUIFAX on several occasions to try and get to the root of this issue. Yet, each time I have spoken to one of their agents, they are hostile and rude, and no resolution has come to light.
Complaint sub-issue: Report improperly shared by CRC

Equifax continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of this law.
Complaint sub-issue: Account information incorrect

XXXX XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY EQUIFAX CREDIT REPORT, XXXX CLAIMS I OWE XXXX XXXX XXXX BUT ON MY XXXX  CREDIT REPORT XXXX CLAIMS I OWE XXXX XXXX XXXX. 

XXXX JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.
Complaint sub-issue: Need information about your loan balance or loan terms

Fed Loan Servicing is my lender or I thought they were my lender. This company solicited me online and I electronically signed documents online. Needless to say, I discovered that they are a third party and that all the payments I made never reached my loan! I called them to request a copy of my promissory note and they told me that they received a certification from the original lender about the amount due. I then sent them a debt validation letter via certified mail on   XXXX   XXXX  , 2017, formally requesting the promissory note so that I can determine the amounts due, the interest rate used to calculate the amounts, etc. Till this date, I have not received any documents from this company regarding the promissory note and/or payoff they must have received from the original lender. It is impossible I owe the amount they state. I need to see my original promissory note and all subsequent notes and/or forbearance paperwork. I need to calculate the amount owed myself. I am an   XXXX   and my  XXXX  have  XXXX . I have been working in the   XXXX   field for twenty years.
Complaint sub-issue: Was not notified of investigation status or results

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit.
Complaint sub-issue: Debt was result of identity theft

Macy's- Account # XXXX I have tried to resolve this account with Macy 's numerous times and my account is not resolved. This account was used FRAUDULENTLY in 2019 when I was alerted of charges made and contacted Macy 's immediately to resolve. I was told by Macy 's that indeed there was suspicious activity and that the case would be investigated. The case was closed and my account was not fixed.
Complaint sub-issue: Debt was result of identity theft

I wrote to Citibank asking them to validate a purported debt they are trying to collect from me. In addition to asking them for proofs of claim, I asked Citibank to not continue to reach out to me in attempts to collect this debt until we could come to a resolution. Citibank has ignored my requests and has also not provided me with evidence the debt is mine. I've since sent Citibank another letter asking them again to provide me with anything that supports their claims and have not received it. I need help with their relentless attempts to collect this fraudulent debt as it is impacting my mental health.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX Balance : {$1600.00}
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following 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 asked 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 identity theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Card opened as result of identity theft or fraud

I went to the beach one time in XXXX and when swimming my phone and cards were stolen someone used them and racked up a large bill. Once noticed I took action and filed a dispute they cleared my account for a couple months then added everything back on. I tried again and they did the same thing. This card is discover. I live in a small island where we have limited stores since it was used in the same area as where I lived they are considering it not fraud but if there is only limited places to shop they can only go to certain places. Discover will not budge or help clear any charges
Complaint sub-issue: Banking errors

Citibank debited my checking account for 2 fraudulent checks. The checks were ( A ) dated over two years old ( B ) were already paid by Citibank two years ago ( C ) The checks were made out to the same person. The 2 checks actually have the same check number! Citibank paid it twice. Citibank 's response is that I must contact the payee who is unknown to me!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax Made by : XXXX XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX made MANY calls to this collection agency in regards to their business being placed on my credit report ... I was directed to their website to make payments in which I have done just as I was told.. as per request I asked to speak to a member of management in regards to the fact that I C System still to this day is currently on my Credit report and all FOR THE LAST PAST 2 MONTHS ... I 've been told JUST ABOUT ANY THING JUST TO GET ME OFF THE CALL AS I REQUESTED FOR A MEMBER OF MANAGEMENT FOR HELP ..., AS I 'VE BEEN PROMISED I C System sent notification to ALL 3 Major Credit Reporting Bureaus to update their systems via account PAID / PAYMENTS .. I was also promised to receive a copy of the notice via regular mail / fax / email.. THE EMAIL THAT WAS SENT WAS BLANK!!! as to this day I have not receive ANY notices and the fact I made very clear to TEAM LEADER ( XXXX ) ID # XXXX .. I. C SYSTEM INBOUND CALL REPS ARE RUDE AND VERY DISRESPECTFUL.. I REALLY WANT I. C. SYSTEM OFF MY CREDIT REPORT ASAP AS TO THEY HAVE SENT THIS ACCOUNT BACK TO ATT/DIRECT TV.. WHOM I AM FOLLOW UP WITH AS OF XXXX I ( XXXX ) SPOKE w/ ( XXXX ) ID # XXXX XXXX/ XXXX XXXX BILL Location XXXX XXXX XXXX Name/Serial # ( XXXX ) *** dcd : XX/XX/XXXX / Service : XXXX ... I. C SYTEEM IS CURRENTLY STILL ON MY CREDIT REPORT AND IS NO LONGER COLLECTING ON THIS ACCOUNT FOR ATT/DIRECT TV.. THE TEAM LEADER PROMISED THAT HE WOULD FAX ME PROOF THE COMPANY REQUEST THIER COLLECTIONS TO BE REMOVED FROM REPORTING 3 MAJOR CREIDT REPORTING BUREAUS WHICH I 'VE NOT RECIEVED PROOF OF STILL TO THIS DAY.. I. C SYSTEM REFRENCE # XXXX Full amount {$320.00}
Complaint sub-issue: Information belongs to someone else

ftc vilations In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019
Complaint sub-issue: Can't decrease my monthly payments

I am having difficulty paying my Direct loan with AES. The monthly paym ent ballooned from {$290.00} to {$580.00} this last month in XXXX. When I spo ke to a rep he indicated the loan was a select XXXX payment plan. The XXXX 2 years you pay only interest. After that the loan goes to " standard level '' pay- ments of principal and interest. 
I explored the options they provide non of which would be beneficial under my circumstances. I want to pay this loan, but tried to find the way and there does not seem to be a workable option. 
Please help me. They also divided my loans for the same college, and indicated I would have to pay in addition to the $ XXXX, another {$430.00} beginning XXXX XXXX due to the agreement I had been offered in XXXX. I have been paying interest only on this loan ( XXXX seq. loans ). Why is it is now split into XXXX payments which I am completely unable to pay and will most certainly go into default. I do not want this to happen, but I have a mortgage, car loan, another student loan I am paying off at a reasonable monthly from my bachelors and other monthly expenses. I can not combine this obligation with my husbands info since this loan is under my name it is my obligation only. Please help me as I do not know what else to do. I just received another bill that I now owe {$1100.00} plus XXXX in late charge and rising.
Complaint sub-issue: Was not notified of investigation status or results

This ridiculous. I submit one complaint and your respond to it with something that doesn't have to do with the complaint I sent you. I submit another complaint to address the first one and the response that made no sense, but you shut my complaint down say you need my authorization. I call in and the rep had no clue how to help me. This is straight up illegal. I sent a letter disputing inaccurate items on my report on XX/XX/XXXX and still no response. i send another letter on XX/XX/XXXX demand that status of the results still no response. 
you have everything you need. in my first letter i sent a notarized letter with the dispute as well as my identification. If this can not be resolve i will report to XXXX  and FTC
Complaint sub-issue: Debt was result of identity theft

A collection Account Which I disputed since XX/XX/2020 and it does not belong to me as I am a victim of identity theft.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent 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 Commissions Identity Theft Affidavit. Please delete the items as soon as these violations are not to be reported on my reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There's inquires on my Report that i don't recall or recognize and i need to come off my credit because i don't recall consenting to any authorization on my Report
Complaint sub-issue: Debt is not yours

Received letter dated XX/XX/2021 showing an account placed for collection with afni. Details show debt owed to XXXX XXXX XXXX  I have not had an account with XXXX XXXX XXXX. Tried to contact afni by phone with no success, but sent by means of the internet I connected with their web site and informed them that I did not have such account and they had probably contacted the wrong person. I have not received any response from them. I do not know if this is an error on the part of the collection agency or a case of fraud to obtain money. I have never received any contact from XXXX XXXX XXXX regarding any account, as I have stated I do not have an account with them. I think any proof of debt owed must be provided by afni if they believe they have any legitimate reason to be pursuing the action they are taking.
Complaint sub-issue: Didn't receive enough information to verify debt

This is a formal complaint against Equiant Financial Services located in XXXX, AZ. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Equiant Financial Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Problem with customer service

I Got a XXXX account from Credit Karma and they locked my card for reason did inform me or tell me why I have thousands of dollars in my account that I can not access and it is the only money I have to take care of my family.