Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

There was a student loan taken out in my name for XXXX XXXX XXXX XXXX in 1992 and I was living in XXXX XXXX at the time where there was no such school. XXXX had an address code linked to that loan and it was not linked to any addresses that I had lived at. A police report was filed and an affidavit was sent to the Dept. of Ed. accordingly. XXXX has properly removed the dispute, but Equifax has not and claims that are forwarding the paperwork to other creditors. A third party collection agency, XXXX XXXX XXXX, is now demanding payment, and they were sent the same ( police report, affidavit to Dept. of Ed ) but is now demanding paperwork all the way back to 1992, that no longer exists. With the Readings of both 15 USC 1681 et seq and the Fair Debt Collection practices Act, I have submitted all that is required under Federal law to eliminate reporting of this debt and this collection agency is demanding paperwork that exceeds the requirement of the IRS, which is the gold standard for such retention. Inclusive of requiring expenses that would put me in hardship as I am on a fixed income.
Complaint sub-issue: Problem with customer service

Fed loan servicing is the company that is handling my student loans. Back in XX/XX/XXXX, I was told I would need to change the way the income based program that they were on, secondary to having parent loans that also needed to be on an alternative program. I was told that my new payment was miscalculated by Fed Loan, secondary to not including that I was married filing jointly, and that it would be adjusted. Due to this error on their part, I was also told that I would be put on an administrative foreberrance until this issue was resolved. A month later, I was told the bill was late. I was then told that Fed Loan doesnt refinance the payment, that I would have to go onto studenloans.gov to do this, and in the meantime, my loans would be on an administrative foreberrance, as again, I was given misinformation. I did go on student loans.gov per their request, and paid a XXXX fee that they also requested I pay. Another month, and there was another late payment. I called again, and this time got a manager. I was told that this happens, and he would fix it. A couple of weeks later, I received another late payment notice. I called again, and was told that the foreberrance was only for a 2 week period in XX/XX/XXXX, and I would have to use my own foreberrance allotment in order to wait for the new payment adjustment to happen. After speaking to several reps in a short period of time, I am dissatisfied with their customer service. Each rep told me something completely different, and the last one refused to honor the offer that Fed Loan had made themselves of the administrative foreberrance.
Complaint sub-issue: Information belongs to someone else

I been dealing with this same issue for months now, and the information I'm requesting is still not being delivered to me as of my rights as a consumer as transcribe within the FCRA laws. Improper information on my report is hindering me from acquiring credit. My identity has been compromised but yet I still feel victimized by the 3 major credit bureaus inwhom investigation does not include blocking these accounts from reporting on my credit report. The accounts I'm disputing are. ( 1 ) XXXX XXXX XXXX {$390.00}, and ( 2 ) XXXX XXXX XXXX {$130.00}. I need every single detail of the Method Of Verification used in your investigation into this matter. Names, titles, times, and physical documentation. This is my consumer rights as stated with the FCRA and backed up by the FTC. And if this is not met then the accounts shall be block immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Cash App ( Square Inc. ) are refusing to response about a chargeback request on a transaction after a month. 

XX/XX/XXXX I paid {$80.00} using the card to a seller who then immediately deleted their webpage and never provided the order. 

XX/XX/XXXX I reported this on Cash App using the " Dispute a transaction '' option. I was told I would be contacted by email. One month later I have not been contacted and nothing is in spam folder. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 


It has now been one month and I believe Cash/Square are intentionally avoiding chargeback claims so that they keep the commission on the transaction.
Complaint sub-issue: Reporting company used your report improperly

I have now called several times today. I was just hung up on on my last call without ever getting anyone even helping me. I immediately asked for a supervisor because of the poor handling of the prior calls. I asked for an agent in the US and she said they don't have any agents in the United States. She then hung up on me. I took the survey but nothing will happen out of it. I can't even get through the phone system now because they have flagged my number or information. I was able to get through on my previous calls. This is retaliation. Our credit information is being handled by people outside the United States and I am not comfortable with this whatsoever.
Complaint sub-issue: Investigation took more than 30 days

I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I ran an XXXX credit report and it showed a hard inquiry from CBNA/THD and stated " When applying for credit or financing or as a result of a collection, a " hard inquiry '' will appear on your Credit Report. '' I have not applied for credit or financing. I don't know what they mean by " as a result of a collection '', but if they are talking about some kind of debt collection there has been none. 
I want this removed from my report and want to know if someone claiming to be me applied for financing.
Complaint sub-issue: Debt is not yours

For the past year or longer I have repeatedly disputed two accounts with XXXX XXXX that are not mine. The credit reporting agency XXXX XXXX and XXXX would remove them and my score would begin to recover then it would appear again as a collection I would dispute and it would be removed. I now have been combating this account as Jefferson Capital Systems. The bureaus will no longer allow me to dispute the entries and I have repeatedly sent letters requesting debt validation and all I get are letters for payment plans. There are 2 accounts onXXXX for XXXX and one for $ XXXX. These are NOT MY accounts. Please help me remove these from my reports and stop them from placing them on my reports. They are trashing my credit score and fico scores and these aren't my accounts. I never signed for or authorized any account with XXXX XXXX.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

I turned in my VW Credit leased vehicle at XXXX XXXX which took my trade in and made the remaining payments on the lease. I took pictures and videos of the condition of the car when it was turned in to XXXX XXXX. XXXX XXXX kept the vehicle at their site for over a week and then the vehicle was taken to a VW dealership to be inspected and returned to VW credit. Over a month later I received an end of lease bill from VW for several items for which I was being charged for that appeared to be inaccurate including a cracked windshield and excessive wear on one tire ( all 4 tires  were purchased and installed at the same exact time ). I called VW credit to dispute the inaccuracies of these charges and informed them that I had pictures and videos of the condition that the vehicle was turned in to XXXX XXXX and that XXXX XXXX sales man who delivered the vehicle to VW dealership was also contacted and attested that the windshield was not cracked. VW told me to hold off on payment until they investigated this further and that they would call me back, it was over a month and I phoned in a couple of times to get the same response ; they would call me back. Finally after nearly two months, I called again and after much frustration on my part because of these frivolous charges, they agreed to a lower the amount of the charges and to avoid further frustrations I agreed and paid the balance in full after I was assured that my credit would not be affected and that it would all be resolved. I am now checking my credit Report and my credit worthiness has been affected greatly by this incident for which I have paid in full even when the pictures and videos of my vehicle turn in date demonstrate the inaccuracy of VW charges for a cracked windshield. Furthermore, I pride myself in making all my payments on time to all creditors and I think my credit history, including previous VW accounts, can attest for me.
Complaint sub-issue: Trouble getting a working replacement card

My card was expiring on theXXXX so I called for a replacement card on XX/XX/XXXX they sent me a card but that card did work they said they didnt no were that card came from so I ordered another card that card came also tried to ativact that one that one did not work so I ask to speak to a supervisor I told her whats going ok then she said she would get me another card so that card also came by XXXX so that didnt work thats the third card was sent out to me and didnt work I told her I havent not even paid my bills that the landlord was evict me all she said she was sorry to here that but she is the supervisor and thats all she had to say was sorry now I called again XX/XX/2021 to speak to a supervisor they told me theres no supervisor in
Complaint sub-issue: Their investigation did not fix an error on your report

I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I had a XXXX XXXX credit card for nearly twelve years. From XXXX until last year. I already paid the card off on time or made the minimum monthly payments. Everything was fine, up until XXXX, when my card was hacked and used with fraudulent purposes. This is when you need the most support from a company. I called them up and asked for fraud protection to cover this scam hacking attempt on my card. Instead of helping me, they would not honor their word and protect me. Instead they claimed the fraud was liable on my part, which is absolutely ridiculous. 

Not to mention a complete and total lack of loyalty after being a customer in good standing for well over a decade. Subsequently, they started to accumulate debt on top of the fraudulent debt, they raised the monthly minimum payment to an astronomical amount I could not longer afford. 

Upon calling them for assistance, they consistently were not helpful and did nothing to help me, especially during the worst pandemic in modern history no less. 

In XXXX of last year, they closed down my account errantly and discharged the debt. I then received lawsuit court papers in XXXX of this year out of the blue from a collections agency, posing as a law firm, which you will see right on their letterhead, which in and of itself is fraudulent to pose as a law firm, when in fact you are nothing more than a collection agency.
Complaint sub-issue: Deposits and withdrawals

I was contacted on XX/XX/2022 by the Citibank fraud department about an unauthorized transaction of {$40000.00} which occurred on XX/XX/2022. ( Citi Fraud case # XXXX ). I confirmed it was in fact an unauthorized transaction. I was informed that an investigation had begun. I filed a police report and confirmed with my bank that the compromised account was blocked as a precaution. I promptly handled my compromised account on XX/XX/2022 at my local branch. I was instructed to submit a notarized affidavit stating that I wasnt aware of and did not initiate any of the transactions either internal or the external wire, which, with the help of my local branch manager, I submitted on XX/XX/2022 ( affidavit attached ). I have also filed a police report, a copy of which is attached to this email. 

Today, XX/XX/2022, is the 14th business day since I was informed of the fraud and that an investigation was underway.

Per Reg E -11, the 10 day investigation period has expired.

Per Reg E- 11, " The institution shall report the results to the consumer within three business days after completing its investigation. '' Today is the fourth business day following the 10 day investigation period. 

I have requested the bank to provide me the results of the investigation by the end of business yesterday. - NOT RECEIVED I have also requested the bank as provided by Reg E- 11, along with the written explanation of Citibank 's findings, to please provide all documents that Citibank relied on in making its determination. - NOT RECEIVED Please return the {$40000.00} to my account by the end of business yesterday. - NOT RECEIVED If the investigation has not finished and Citibank has met the requirements to extend to the allowed 45-day investigation period, my account should be provisionally credited by close of business today, as provided by Reg E-11. I understand that Citibank may withhold a maximum of {$50.00} from the amount credited. NOT RECEIVED Not only has Citibank done any of the above, they have not responded to any of my emails with any substantive information. 

I have written to the CEO as well but nothing has come out of that interaction yet.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act XXXX account beginning with XXXX, have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem during payment process

XXXX XXXX XXXX XXXXXXXX ... 
Accounts with missed payments View all accounts XXXX XXXX XXXX XXXX XXXX XXXX 1 Missed Currently 30 days past due Overview You're currently using 129 % of your account 's limit. 
Balance {$380.00} Credit limit {$300.00} Minimum monthly payment {$46.00} Opened XX/XX/2018 ( 4 mos )
Complaint sub-issue: Card was charged for something you did not purchase with the card

on XX/XX/2021 my card was charged {$33.00} from XXXX in XXXX NY. This represented my entire balance on the card. 

2 other charges were rejected due to lack of funds. {$.00} for a store in XXXX Colorado and XXXX for XXXX in XXXX AZ on the same day. 

Obviously my credit card number got compromised. 

Cash App compnay will not issue provisional credit as provided for in the terms of service for using the VISA card service.

They say it could take up to 55 days or resolution and it may not end favorably for me. Again, VISA protections indicate we as consumers are safe from fraudulent charges.
Complaint sub-issue: Account status incorrect

I applied for a mortgage in Delaware this past summer. This is the law before you can see real estate in Delaware as your credit score must be known and approved. There was a lock on my credit score and for 3 days both the mortgage broker and I tried to unlock my credit with Equifax ; we could not do this despite my calling and calling Equifax and getting a different story each time I called. Equifax would not put me through to a manager. 

Issue 2. Phoney XXXX XXXX  credit card " discharged '' in 2017 for {$380.00}. I applied for a {$50.00} gift card and I was scammed into a XXXX XXXX  credit card instead with an unwanted credit limit of {$4000.00}. I already have a XXXX XXXX  card with a credit limit of {$3000.00}. I filed with NJ Consumer Affairs and my complaint was sent to Washington attorney general 's office but XXXX XXXX  did not answer in a timely manner. A few weeks ago, XXXX XXXX  tried to scam me, yet again, by pretending to look into their phoney business dealings with a " XXXX Executive officer '' lady and then telling me I could pay the {$380.00} for the " charged off '' credit card that I never requested in the first place. I never got a bill for this {$380.00}, I never charged anything except a slice of pizza and a soda on what I had ordered was a " gift card '' not another {$4000.00} XXXX XXXX  credit card. Please help me as I want to buy a condo in Delaware and not pay a higher interest rate because of my phoney, scamming XXXX XXXX  and Equifax, too.
Complaint sub-issue: Account information incorrect

I went to XXXX XXXX in XXXX, MI to inquire about purchasing a vehicle. They ran a credit check for a loan to see what my financing options were, only to be denied by XXXX XXXX  because XXXX XXXX XXXX reported my credit score as XXXX. My credit is very good ( high XXXX ) and this company should not be allowed to operate. One of their reasons behind the low score was distance between address and area code of phone - absolutely ludicrous. This company is nothing but a scam to try to obtain personal information. I dont know why the bank would find them reputable in any capacity.
Complaint sub-issue: Other problem

US Bank allowed my credit card charges and balance to exceed my credit limit without my asking them to do so or warning me that I was exceeding my limit. They then immediately reported the over limit status to credit reporting agencies and then on my next bill required the full amount over limit to be included in the minimum payment. I called their customer service and they said they allowed charges over the limit as a 'convenience ' to me and said it was allowed per the cardholder agreement which they do not make available on their website. They are indicating they will charge me a {$40.00} late fee if I do not make the full minimum payment, which I will be unable to thanks to their overlimit and minimum payment calculation practices.
Complaint sub-issue: Account status incorrect

There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Trouble using the card to send money to another person

MY CASHAPP ACCOUNT IS COMPLETELY FROZEN AND I CANNOT GET MY MONEY OFF MY ACCOUNT. IT IS $XXXX  AND IT IS THE LAST OF MY MONEY TO FEED MY KID. I NEED TO FEED MY SON PLEASE HELP ME. MY CASHTAG IS $XXXX, MY NAME IS XXXX XXXX, MY EMAIL IS XXXX
Complaint sub-issue: Information belongs to someone else

I was trying to buy a car today XX/XX/19 and when they ran my credit to check if I qualified for the loan I was told that I did not get approved because there were accounts in negative standing on my credit report. When I looked over those accounts I told them that none of those accounts were mine. I did not open any of these XXXX  accounts and I never gave anyone permission to open these accounts in my name. I think a person named XXXX  XXXX XXXX opened these accounts. I already filed a police report ; I did not benefit anything at all from this nor did I ever make any purchases or payments towards these accounts.
Complaint sub-issue: Account information incorrect

Incorrect balance information with credit card account and incorrect credit score is being reported by Equifax. I've tried disputing the incorrect information and even called and spoke with a rep on XX/XX/XXXX. I provided the accurate information to the account in which was not being reported correctly and Equifax has still failed to update information accurately which is hurting my credit score by not given true score.
Complaint sub-issue: Threatened or suggested your credit would be damaged

To Whom It May Concern, In XXXX of the spring time I took out a payday Loan online. I made all my payments and was Late once and paid off loan in XX/XX/XXXX for XXXX and XX/XX/XXXX I paid additional XXXX to settle all interest and XXXX XXXX XXXX are owned by same company.
Complaint sub-issue: Frequent or repeated calls

I had a membership at XXXX XXXX but the card I was using expired without me knowing. I stopped going to the gym and forgot but they kept charging my expired debit card somehow and by the time I knew it they sent my account to collections and sold it to debt collectors.
Complaint sub-issue: Information belongs to someone else

I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. Thank you!
Complaint sub-issue: Information belongs to someone else

After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately. 

1 ) XXXX XXXX XXXXXXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX ( account XXXX ) 3 ) XXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}
Complaint sub-issue: Information belongs to someone else

noticed some accounts opened that im not aware of without my consent anything reporting inaccurate or fradulent i ask that it be deleted immediately or it would be against my Fair Credt Repor rights. use my credit to support my family & myself i want to grow in life and this is really affecting me.