Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

I have a MasterCard with Citi that I have held since XX/XX/2014. I have never had an issue paying the account, have not gone delinquent. I have used the card and paid as agreed for over 5 years. During XXXX, I was distracted caring for a sick family member and forgot to make the payment for early XXXX. When I logged in and saw that I was past due I immediately made the payment. They charged a late fee. Also, within the same week, they sent me a notification that my credit line was decreased. The reason the noted in the communication was that " they show I have high utilization of other credit accounts. '' I take offense to this tactic of taking adverse action on a long time customer who is in good standing. During a crisis where all institutions, including Citi, say they are here to help and this is how I am treated. My credit utilization has been the same for the recent 2-3 years and I am current on all of my credit accounts, mortgage and car loans. Nothing is past due. To impact my credit line, charge a late fee during a global pandemic is unacceptable. Also, on this account, I have not used it recently - which should be viewed as me being responsible and paying down this debt and other debts. My high utilization will be further impacted by Citi reducing my credit line, which in turn will show me at a higher credit utilization for this account and my overall credit profile in general. I think it is an unfair practice. I am requesting that Citi reverse this decision, restore my account, which is in good standing and paid current, never past due. I'd like the initial credit line to be restored and the late fee reversed.
Complaint sub-issue: Trouble with how payments are being handled

My loans are being inappropriately and I believe illegally serviced. My loans have been illegally serviced so severely in the past they lost coverage by their guarantor and are now being self-serviced/guaranteed by PHEAA. They have repeatedly inappropriately applied deferments and forebarences. Now I found out that during the COVID pandemic when I was supposed to be getting payments deferred without interest penalties... They illegally were continuing to charge me interest the entire time and capitalizing the interest on the account ( so they've now collected interest on top of interest ). Additionally, I work for a non-profit and even after applying multiple times for the forgiveness program, they continued to intentionally make the process challenging, complicated, and nearly impossible. PHEAA has been predatory and abusive throughout the entire length of time they've serviced my loans.
Complaint sub-issue: Don't agree with fees charged

NOTE- this is separate from my other complaint with the CFPB re: FedLoan, that is currently in progress. 
On XX/XX/XXXX I logged into my FedLoan account to schedule my XX/XX/XXXX payment (due XX/XX/XXXX). My account stated that my account was overdue. Confused (I pay my monthly, income-driven repayment amount of $XXXX each month), I read further. A random amount of $XXXX was applied to my account. This makes no sense- I am in the Public Service Loan Forgiveness Program (PSLF), meaning I pay each month through the income-driven repayment plan, which is determined annually when I submit paperwork. Last year, based on income and family size, my payment was determined to be $XXXX/month, XXXX - XXXX. I have no clue where $XXXX came from, and it was never reflected on my monthly billing statement. I called on XX/XX/XXXX and spoke to XXXX (employee # XXXX). She shared my confusion; she put me on a long hold and tried to determine where this charge came from, but couldn't determine it. She stated it was 'odd' and she hadn't seen a charge be randomly applied. She firmly stated that I pay the correct amount (for XX/XX/XXXX, it is $XXXX, and in XX/XX/XXXX my new income-drive repayment plan based on my recertification paperwork will be $XXXX, effective XX/XX/XXXX - XX/XX/XXXX). She advised me to pay 'what I actually owe based on my income-driven repayment plan' and she would put a note in the system. She also said she would send it to investigations. As of today (XX/XX/XXXX), my account is 18 days past due. I received a notice of my delinquency. I called FedLoan again and they said it was still in investigation, and that bad credit reporting won't occur until 90 days. They again reinforced that I should pay what I 'actually' owe and that the mysterious $XXXX should be resolved in 90 days. I am concerned it won't be- I have very good credit, and have worked hard for that score. I am mindful of all bills and have never paid a bill late, FedLoan and others. I do not want my score to be harmed by this issue with FedLoan. The employees cannot explain how this random charge dropped on my account, but they assured me it will be removed. I, however, have experienced multiple issues with FedLoan, particularly in the past year. I am very concerned. XXXX, the employee I spoke to on XX/XX/XXXX noted that my account appeared 'perfect,' meaning I always submit required paperwork on-time and pay my monthly bill. I am very concerned this account will harm me, despite doing everything right. I fear as I approach the end of 90 days, I will be forced to pay an amount I don't owe, or face a ding in my credit score. This isn't right.
Complaint sub-issue: Can't use card to make purchases

Purchased prepaid visa. Bad magnetic stripe. Unusable. Company refused to freeze card and funds were stolen before company reacted. Now, 80 days later, USBank still says " wait ''.
Complaint sub-issue: Information belongs to someone else

This is Client Name, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them. Thank you.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account name XXXX acct XXXX XXXXXXXX XXXX XXXX acct XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX acct XXXX XXXXXXXX, XXXX XXXX Acct XXXX XXXXXXXXXXXX XXXX  XXXX Bankruptcy 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: Reporting company used your report improperly

I learned of the Equifax security breach today, through the news, not through them. I was affected for months and they did not tell me. Something like this has the potential to ruin lives by ruining credit. 

I believe they should be fined and have to pay for any damages to people 's credit. 

There should also be legislation introduced so this does n't happen again.
Complaint sub-issue: Problem with fees

I have a US Bank Credit card. Even after making the full payment on time, this bank charged me some Interest charge on XXXX XX/XX/2022 as {$13.00}
Complaint sub-issue: Reporting company used your report improperly

accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account terms

ATTN : Legal D epartment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsectio n ( 8 ) (  D ).   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sectio n 623, subsection ( 7 ) ( A ). To  date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accou nts may constitute th e reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that t he FCRA 623 ( 8 ) ( E ) ( iii ) establishes  a time-frame for these issues, and that se ction 621 of   the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit re port as : 1.  XXXX   XXXX   XXXX  This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.   3.  XXXX   XXXX  this account has never been verified error please delete.    4.   XXXX   XXXX  this account has been delete and was never update throught the bureau please delete.
Complaint sub-issue: Received bad information about my loan

I currently have a student loan that is being serviced by Fed Loan. Upon receiving notification that the loan was due, I immediately filed for a forebearance, which was granted. I recently looked at my credit report and noticed that Fed Loan had reported my account as being late for 120 days. This is untrue because when I received notice that my loan was due I immediately requested a forebearance. If I had already began making payments and then started making late payments then I could see late payment entry being reported to the credit bureaus. I never received any bills stating that I was late or in default.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

Flagship Credit Acceptance has now put themselves below the bar in expectations and how they handle matters.

Even though I have filed numerous complaints against them, the continue to violate FDCPA practices. In addition, even though my husband isn't on the loan paperwork or vehicle registration paperwork, they are demanding that he makes payment on the account.

In addition, they have failed to mail via USPS any Notice to Cure letters on the account, which is required in my state.

They have illegally put the my vehicle out for repossession, without following Missouri laws. 

In addition as another scare tactic, they have stated on two occasions that they have filed for XXXX on the vehicle even though they haven't. 

Flagship Credit Acceptance LLC has failed to follow proper protocol when handling this account. 

In addition Flagship Credit Acceptance has called my husbands phone number for four other people with accounts from Flagship and left nasty messages, such as the messages they've left me on my account.
Complaint sub-issue: Attempted to collect wrong amount

Restricted number has called a few times in the last 3 mos. leaving a message referencing my previous married name that I haven't held in over 10 years. The recording does state that a claim has been opened in my name and to call with no reference to who opened the claim and what type of claim. 

Finally answered a call and she stated I owed Best Buy over XXXX dollars from XXXX. I did a large purchase in XXXX and it was paid in full. The caller hung up on me after challenging her. 

I have no overdue credit cards on my credit report. She stated it could take this amount of time to report and the requestor just wanted an answer if I was going to pay or not. I said no because I don't owe anything.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

the company called and did caller id spoofing showing on the caller id that they were with the XXXX county clerks office and said they were going to summons me the following day for fraud for not paying a debt owed to XXXX   XXXX. they gave me an " attorneys number for XXXX XXXX  XXXX XXXX they also gave me an affidavit number of XXXX. When i called the number they threatened that i was going to be served for fraud and malicious behavior to a financial institution and demanded a payment of XXXX via debit card immediately. then when i refused she said she spoke with the " attorney '' she offered for me to pay XXXX/mo for 6 mos. when i then refused that and asked to speak to the attorney she said he would not speak to me. i ended the call. 

The following day i called the number again and demanded their company name as they do not disclose it when they answer the phone. She refused to give it to me and kept asking me who i was trying to call. i asked if they were a law firm and she hung uup on me. i called back and she gave me an address of XXXX XXXX XXXX XXXX. XXXX il. and told me she was giving me notice to not contact them as it was harassment to them. I told her that they were harassing me and they were the ones committing fraud and she hung up on me. I researched the address she gave me and it does not exist in Illinois. it shows as a residential address in Washington. I called the XXXX county clerk and explained the situation. The clerks office said they would report it to the sheriffs department. I wish for the company to cease collecting on debt and provide me with proof of it. i also wish to receive compensation of XXXX for damages. I will also be contacting the attorney general.
Complaint sub-issue: Reporting company used your report improperly

During the last 45 days I got 6 hard inquiries regarding one of the credit bureaux ( Equifax ). From the six active inquiries, 4 of them are coming from the XXXX XXXX. The first inquiry had the aim to fulfill the process for accepting a mortgage application ( and it was authorized by writing ). Them, the rest of the three inquiries were unauthorized credit inquiries with no legitimate purpose. The second inquiry is consequence from a lack of professional competence, and the subsequent need to repeat something that has been done previously. The problem is that there is no explanation for the last two inquires and, furthermore, there is also no prior authorization. 
As you know, multiple hard inquiries spread out over a longer than two weeks period of time can significantly damage credit scores and may impact the ability to qualify for a new credit. Furthermore, legally, hard inquiries can not occur without the own permission, which doesn't occur in the last two hard inquiries from the XXXXXXXX XXXX.
Complaint sub-issue: Debt was discharged in bankruptcy

I have been contacting XXXX, XXXX, & XXXX for over a year to have them remove the " open '' collections that clearly states it was discharged thru my bankruptcy. XXXX has since removed these from my credit. However XXXX and XXXX has then reporting as " open '' not only that I am showing XXXX collections for the same debt that was discharged. I 've made several attempts to have these removed from showing open collections with no results, except from XXXX. I understand these are in my bankruptcy, however they are not " OPEN ''. I have been discharged from these.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX XXXX XXXX allowed XXXX to withdraw XXXX from our card. 
Contract with XXXX ended in XX/XX/XXXX, all equipment was returned. hadn't, heard from XXXX that we owed them any money from XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX  card used was never a card on file with XXXX, They were not authorized to use this card, they retained the cards info from a time that we used it to pay a bill. XXXX XXXX began an investigation, we submitted our documents showing this was fraudulent charge. XXXX returned our money to us on XX/XX/XXXX. We thought that was the end. XXXX took the money back XX/XX/XXXX and told us the investigation wasn't complete. This money is our total income, XXXX was never authorized to use this card, XXXX concluded the investigation XX/XX/XXXX and we still dont have our money back, not to mention when contacting XXXX, they cant even find us in their system. We didn't dispute the fact that we may owe XXXX money, we disputed the fact that this was not the card on file that XXXX had, they were NEVER AUTHORIZED TO TOUCH THIS CARD! XXXX XXXX is bogus they let anyone use this card and they dont return our money leaving us with no way of feed our kids or pay our bills this month. This is the 2nd time. XXXX still cant find us. XXXX needs to return our money!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had this Best Buy card a while ago by best buy. I ran into some personal problems and my account got closed. Some time later I paid a settlement sometime in 2018 and yet this is still appearing on my credit report. This is inaccurate and any help getting this resolved would be greatly appreciated
Complaint sub-issue: Account status incorrect

I received forgiveness of debt letter from XXXX XXXX XXXX dated XX/XX/XXXX, stating that they forgave the amount I owed. This account, XXXX XXXX  XXXX  Account # XXXX, was already reported paid in XXXX. Under the Fair Credit Reporting Act, I have the right to dispute this inaccurate information under my account. In accordance with 15 U.S.C. 1681i Section 611 ( a ) ( 1 ) ( A ) ( g ), the completeness or accuracy of any information item in a consumers file must be accurate and complete. As mandated in 15 U.S.C. 1681i Procedure in case of disputed accuracy, the furnisher should only publish accurately and verified information.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Reported two 120 Day lates, Both in XX/XX/XXXX ( XX/XX/XXXX ). There is a {$0.00} balance on this account. I have made numerous attempts disputing this negative reporting, both to XXXX XXXX and Equifax Credit Bureau but as of to date there has been no resolution of corrective action granted. 

My issue is not soley with XXXX XXXX it is with Equifax. It is my belief that due to my continuous disputes of the XXXX account, regarding the matter of inaccurate/false reporting, Equifax purposely and falsely marked two 120 Days late on my credit file, XX/XX/XXXX. 

Today, XX/XX/XXXX I made contact with SN Servicing, I spoke to 3 representatives to inquire of the exact year and date of their last reporting to Equifax regarding the negative account. I was told that the account was closed and last reported to Equifax in XX/XX/XXXX and they have not reported any other negative information regarding this account since. If XXXX closed the account and last reported XX/XX/XXXX how could it be possible to have two negative reportings of 120 Days in XX/XX/XXXX as it is reported on my Equifax Credit file. 

Please, I need to understand if and why this is a fair, accurate, and truthful reporting according to Equifax. PLEASE HELP! My husband and I have been declined a mortgage due to this false reporting.
Complaint sub-issue: Indicated you were committing crime by not paying debt

On XX/XX/XXXX I was contacted by a company called F & M Capital who said I owed money to a payday loan company from XX/XX/XXXX. The name of the Payday Loan Company was  through an XXXX XXXX named XXXX XXXX XXXX. I was going through a divorce in XX/XX/XXXX, and needed money to pay for my attorney to keep the custody of my children. I thought I had paid all of my debts, and transferred them when I moved, but I somehow missed this one. I was threatened by someone named XXXX with legal repercussions to include my not being allowed to open bank accounts in the future and said I committed fraud. I did not know the amount I borrowed, and he said I had made payments at first, but stopped. I explained that I moved, and did not know all of the debts did not move with me. I asked how much I owed and he said {$1500.00} was the original loan amount. I asked if I could pay that amount, and he said no- that I now had to pay {$7800.00}. I asked him to mail me paperwork showing me this loan, and he said he couldn't. I told him I was willing to pay them the entire amount in full, as I was unaware of the debt, but needed to see how much I borrowed. He said he couldn't but he would settle with me for {$3100.00}, as he " understood my situation ''. Again I asked for paperwork. I received an email in which they told me I needed to call the loan company directly to get the paperwork through a " chain of title ''. I don't have a record of this loan. It doesn't show up on my credit report, and I feel like they are illegally threatening me. I also don't know how they could possibly charge me now so much more money even after I offered to pay the amount of the original loan. Can you please help me? He calls a few times a week and has reached out to my family members as well.
Complaint sub-issue: Account status incorrect

This will be the XXXX attempt to stop XXXX from reporting XXXX closed accounts for the US Department of EducationXXXX and XXXX closed accounts XXXX/Dept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : XXXX - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from Alpine Credit IncXXXX XXXX of Colorado to be removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX of Colorado and Alpine Credit Inc and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and XXXX is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXX/Dept . of Ed, and the duplicate account for Alpine Credit Inc., we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute with Equifax in regards to the incorrect items on my credit report, it has been well over 30 days without receiving any investigation results.