Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem making or receiving payments

I opened a savings account over the phone with US Bank last week, after we got off of the phone, I deposited {$120.00}, a day or two later, I realized that I had something that was going to be sent through my checking account, so I tried to transfer the money back into my account, I tried several times throughout the day but it kept saying transaction error, so I drove to the atm and tried to pull the money out so that I could deposit it into my checking account, again I got an error message. By this time it was after hours, so I called us bank the next day, I was told that a hold was put on my savings because they would be sending me a signature card to sign and once they received that, the hold would be lifted, I explained to her that I was not told that I had to physically sign anything or made aware that I would not be able to access my own money- I would never have transferred money into my savings if knew they were placing a hold on it, I was told that they would review the taped call and if I was not made aware of the hold, that my money would be refunded- so far as of today, there have been 6 overdrafts totaling {$210.00}, I have just had other automatic deductions come through today and have again overdrafted my account due to the original 6 overdrafts because of the hold on my account- I believe that I will be looking at an additional 4 - 6 overdraft fees. This would not have happened if I would have been made aware of the hold, I was not told during the set up of the savings and the bank has yet to fix this or produce the tape of me being told about the signature card or the hold that would occur- I have called the bank about this at least 5 times now and am desperate to get this fixed, its causing a snowball effect, by tomorrow Im sure this will have caused a total of 10 to 12 overdrafts at {$36.00} each.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Problem with personal statement of dispute

I have been trying to refinance my home due to various reasons. I understand completely what the information is supposed to be portraying about an individual or a company. HOWEVER, the current reporting system is extremely flawed and biased. 

In this complaint I was working with your organization to correct things and somehow thought I had paid my mortgage. While speaking to the representative she advised me I had missed a payment. I immediately paid that payment and the current payment and asked her for a 1 time forgiveness of the late payment. ( Basically I had to qualify for the 1 time forgiveness ) So now in reviewing my credit report from the last update XXXX gave me it shows that I my account is past due. I tried to dispute the error however t he choices did not include my problem. When I tried to use something different to submit it XXXX says they can't reinvestigate something that has already been submitted. This is a different issue with the same Predator Lender. They can report on the same company but I can't complain about the same company and they are affecting my CREDIT. 

Again, now I want MONETARY damages from the Bureaus. I am going to report every detail I believe I have been damaged by their reporting so I have an audit trail.
Complaint sub-issue: Their investigation did not fix an error on your report

I SENT THE ALLEGED CREDITOR A LETTER TO ALLOW ME TO VILODATE THE INFORMATION REPORTING ON MY CREDIT REPORT BOTH THE ORIGINAL CREDITOR XXXX XXXX XXXX AND THE COLLECTION COMPANY FAILED TO PROVIDE ME WITH SUFFICENT PROOF OF THE ALLEGED ALLIGATIONS. THE LETTER THAT WAS SENT IS NOT PROF OF THE ALLEGED REPORTING INFORMATION. I CONTACTED THE CREDIT REPORTING COMPSNIES AND ALSO PROVIDED THEM WITH THE INSUFFIENT INFORMATION THAT WAS SENT TO ME. BUT YET THE CREDIT REPORTING AGENCIES CONTINUE TO VIOLATE MY CREDIT RIGHTS SAYING THE INFORMATION WAS VERIFIED, BUT YET THE CREDITOR OR THE COLLECTION COMPANY COULD NOT SEND ME OR PROVIDED ME WITH WHAT WAS REQUESTED IN MY LETTER OF VALIDATION. THIS RESPONSE ID NOT ACCEPTABLE NOR IS IT PROPER VALIDATION
Complaint sub-issue: Fee problem

I applied for my online credit report and score from Equifax and downloaded same. The fee for the FICO score was {$7.00}. I entered my Debit card information as requested, When I checked my online statement, there were two withdrawels on the same time block and date. I just spent one hour and 52 minutes trying to reach someone at their customer support number ( s ), to no avail. I realize it is only a small amount to most, but we are on fixed income and watch our expenses closely. In other words, they charged me twice for one report, then there " system '' makes in impossible to reach a person to correct the problem. The were no buttons on the " Frequently asked questions '' and no misc.boxes to explain the problem. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2020 XXXX  removed my legal name from it's records as well as my lawful social security number in favor of a fraudulent debtor who did not have my correct name or proper signature on an unsolicited agreement. I am dissatisfied with their lack of neutrality or common sense when dealing with my identity. They seem to unjustly prefer the creditors claims over consumer claims even when confronted with fraud. For the record I provided them with a photo copy of my social security card and fl id with my full and legal name. They allowed a debtor to ruin my life with a false claim and illegitimate claims lacking my name or signature.
Complaint sub-issue: Debt was discharged in bankruptcy

Palisades Collection is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.
Complaint sub-issue: Account information incorrect

XX/XX/2021 I SENT A LETTER TO XXXX XXXX ASKING THEM TO UPDATE MY CREDIT INFORMATION. I PAID AND SETTLED A PAST DUE BALANCE IN XX/XX/2021. I HAVE ALSO SENT THIS INFORMATION TO EQUIFAX BECAUSE IT'S SHOWING A OPEN ACCOUNT. PAST DUE WITH A BALANCE OF OVER XXXX THEY STILL HAVEN'T UPDATED THE REPORT. EQUIFAX SAID IT CAME BACK VERIFIED. HOWEVER XXXX XXXX SENT ME A LETTER BACK SAYING THEY DON'T HAVE ENOUGH INFORMATION. BUT COUNTUNE TO REPORT INACCURATE INFORMATION ON MY REPORT.
Complaint sub-issue: Debt resulted from identity theft

IC Systems is reporting a collection to the credit bureaus that was the result of identity theft. I have never done business with XXXX and/or IC Systems. The acct # is XXXX for an alleged {$200.00}. This collection account is fraudulent and extortion. I sent IC Systems a cease and desist letter that was delivered XXXX. USPS tracking # XXXX. As of today 's date, the fraudulent collection is still on my credit report. It is causing me harm and damages as I have been declined a small business loan due to the item being on my credit report.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act 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 an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Pursuant to 15 USC 1681 ( u ) The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; XXXX, Equifax and XXXX all are resellers of my consumer report without my written permission XXXX, Equifax and XXXX have each allowed, provided & furnished false and misleading information in violation of 15 USC 1692e2A Equifax was instructed to remove the installment accounts and only removed 3 None of the consumer reports are matching or reporting the same information. 
Consumer is demanding removal of all accounts listed on the consumer reports and removal of the consumer report from their platforms
Complaint sub-issue: Keep getting calls about my loan

I co signed on a school loan from XXXX bank when my son attended XXXX. It was deferred for a good while because my son could n't get a decent paying job. He has been paying XXXX now for a while. Before XXXX he wanted to be paid so he paid extra. He was paid ahead almost 3 months. 6 days after he last made a payment his loan was bought by Firstmark Services in XX/XX/2016. He received an email and an immediate bill saying his payment was due. He called and explained he was paid ahead for XXXX and was told they do n't do that and the money he paid ahead was put on interest, They changed his payment from XXXX to XXXX a month. He explained that he paid ahead and this was n't right what they were doing. They told him they would conduct a investigation that could take up tp 2 weeks. They started calling my house in XXXX and I told the lady he was ahead 3 months. She said to mail his proof that he paid ahead so he sent proof to them from his bank. In XXXX they started calling everyday all day threatening my credit if he did n't pay. He called them and was told that the 2 week investigation could take 120 days or as long as they wanted. I have repeatedly told these people that there was an investigation going on. Now they are threatening us to sue at the end of XXXX. Everyone I talk to knows nothing because they did not even have the paperwork yet from XXXX Bank. They know the loan is there but know no facts. All they do is threaten us on the phone. My son will make the rest of what they claim he owes so it does not go to court. But I feel like we are dealing with the mafia or loan sharks. Do what we tell you or else. I have ask at least 3 different people how they would like it if there car loan was paid 3 months ahead and then sold and they were ask to start paying immediately. They said they would not like it, so why is it fair to do that to my son. I 'm upset because I have really good credit and they keep threatening me for no good reason.
Complaint sub-issue: Didn't receive enough information to verify debt

I have tried several times to dispute this account, but this DSNB/MACYS 's account is still on my report, and negatively affecting my score. 
DSNB/Macys 's account has passed the statute of limitations, but on my credit report a debt with an expired statute of limitation is still listed. 
Please find attached file. 
For Citi 's account number is XXXX.
Complaint sub-issue: Account information incorrect

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Complaint sub-issue: Information is missing that should be on the report

Please add my contact telephone number to my credit profile. My contact number is XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Complaint sub-issue: Not given enough info to verify debt

I contacted this company for debt verification on XXXX/XXXX/2015. They acknowledged this in the original complaint I filed against this company and yet here it is XXXX/XXXX/2015 and I have not received any verification of this debt. They are still reporting it to my credit reports and I want it removed. They can not verify the debt and have n't attempted to do so. If they are not going to be held responsible for breaking the rules of the FCRA I will take it further. Original correspondence was case number XXXX, they stated ... On XXXX XXXX, 2015, XXXX XXXX logged into her account using our website www.payerc.com. At that time, XXXX XXXX sent correspondence to our Customer Care Team requesting validation of debt for the referenced account and mentioned that she would also like the item removed from her credit bureau report. 

Per her dispute, our agency updated the account as a disputed item and placed in an investigatory status to prevent further collection efforts from proceeding. Additionally, the account was updated accurately as " Disputed '' with the credit reporting agencies on XXXX XXXX, 2015. 
they have not validated or verified, I want this removed from all XXXX credit bureaus asap
Complaint sub-issue: Information belongs to someone else

Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.
Complaint sub-issue: Received bad information about your loan

My loan servicer, AES, failed to notify me that I could consolidate my FFEL loans and be eligible for the CARES ACT interest and payment pause. In 2020, when I asked them if I could be eligible for CARES ACT pause, I was told no. I was not given any information on the potential benefits of consolidation or even informed that was an option. It was not until recently, towards the end of the pause period that I learned, through my own research, that I could benefit from this. I feel like AES had a duty to make a glaringly obvious notification to inform their clients about possible benefits of Direct consolidation during the pandemic. Instead, they were shady and withheld this information for their own gain. I continued making my full monthly payments, throughout the pandemic, while a struggling new mom working as an XXXX XXXX with a reduced paycheck. Had I been properly informed of my ability to consolidate and pause my payments and pause my interest, I would be in a much better situation financially. My student loan obligation during the pandemic caused undue financial burden for my family and contributed to severe stress.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 i sent Equifax a complaint letter certified mail, which i was notified when they received it. It has been almost 30 days and the items still remain on my report and I have not received a response from Equifax. Equifax is in violation pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft within 4 business day upon receiving all necessary documents which i have attached to this complaint along with the complaint that was mailed to Equifax.
Complaint sub-issue: Information belongs to someone else

The purpose of the complaint is to notify you that a case has been open with the Indiana State Attorney General office. As stated in previous correspondence my idenity was compromised and the following accounts below were opened in my name. I demand that these items be removed immediately. If not, I will pursue further legal action. I have included the case number and contact information below. 

Case # : XXXX Contact : XXXX 1. State XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA XXXX, you are required by law to remove & block any inquiries were not authorized. Again, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

I have several accounts in my Equifax file that does not make any sense im filing a complaint on each one individualy detailing my concern with supporting documentation to back up my complaint. First i will start off with XXXX XXXX this account was a checkin account and went negative in XX/XX/XXXX. It was reported to XXXX and fell off my XXXX report after 5 years. This was never a payment account or credit account it was a bounce check that caused overdrfts fees that exceeded XXXX altho my report reflects positive payment history followed by a charge off in XXXX XXXX. This info is incorect and has been close to 7 years reporting inacurate outdated info. Also this account has been paid in full as of XXXX XXXX it still reflects a balance.
Complaint sub-issue: Debt is not yours

Debt is not mine. Continued attempt to collect debt that is not mine.
Complaint sub-issue: Reporting company used your report improperly

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 : ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WITTEN INSTRUCTIONS. 
COMPANIES : XXXX XXXX {$350.00} XX/XX/2022 AND XX/XX/2022 I CALL AND I WAS TOLD THE SYSTEM DIDNT HAVE MY INFORMATION AND DONT WORRY ABOUT IT. 
COMPANIES : XXXX XXXX {$570.00} XXXX XXXX2022 AND XX/XX/2022 I CALL AND I WAS TOLD MY INFORMATION COULD'T BE FOUND
Complaint sub-issue: Information belongs to someone else

I applied for insurance and was denied. I then got an email stating that I have 4 accidents which aren't mine. I've been through this before with LexisNexis and now again. My son has the same name and was living at my address. The company failed to match the accident with the drivers license number. For companies to rely on data from LexisNexis they should be way more careful on how they report their information.
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted a dispute with Equifax and there are still inaccurate information being reported on my report
Complaint sub-issue: Their investigation did not fix an error on your report

Ive already disputed this account with XXXX XXXX XXXX XXXX and again it shows on my report. I sincerely request and want this eradicated from my report as I have no knowledge of this account and Im a hardworking diligent student. My car got stolen with all my documents inside and I have been a victim of identity theft. Kindly remove this from my report immediately as it hurts my future graduate school admissions and other things while renting out an apartment. kindly remove this ERC collection account away immediately as it has been previously sorted but I dont know why it shows again on XXXX  and XXXX