Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

I currently am enrolled in direct debit and receive an interest rate reduction of 0.25 % on my student loans. I pay an additional amount above the required monthly payment. I want to adjust the additional amount. In order to do so my loan company says I need to cancel the direct debit to change the amount and re-enroll. This will result in me not having direct debit for 1-2 months based on their processing time and incurring an increase in interest rate during this time. They have told me there is no way of changing the amount of my payment without canceling the direct debit and increasing the interest rate. I do not believe it is acceptable for them to penalize me for adjusting my monthly payments.
Complaint sub-issue: Billing problem

I have had my car 21 months and have may be 10 pa yments made on time. Ally loses payments. Requests bank statements to 'fix it ' and claims they never received them.     I have been on the phone fo r 3 hours at the point of writing this. My integrity has been questioned 3 times in the duration of the call. I have be en transferred 3 times between departments. I have a letter in my hand and read it verbatim and they still said I was wrong.   It is not my fault if their system is wrong or they made a typo. I am at ends with this company. They are crooks. I have made probably  XXXX ,  XXXX  dollars on this loan but only  XXXX  have come off of the note.     Just got transferred to a supervisor FROM A SUPERVISOR and the receiving call, has no idea what we wanted.     The date of this call is  XXXX   XXXX   2017 .
Complaint sub-issue: Problem accessing account

I am a consumer with us bancorp and I was trying to activate my VISA debt card  though XXXX XXXX  and what I was hearing from every rep on the phone they are allowed to activate their cards though email and text but as for me I am being treated unfairly how I do my debt card activation and putting a verbal password on my account so no ONE like a fraudster won't access my account though my personal information and getting my statements on my email when I get like my paycheck and what is my breakdown for the mouth but US Bank refuse to send my activation code to activate my VISA card though email refuse me to get my statements and refuse me to put a verbal password on my account for security and refuse me to access my account online on my XXXX XXXX to see what my account number is and I am not happy how us bank treat me as a consumer who does not know what I am doing on my account.
Complaint sub-issue: Was not notified of investigation status or results

PNC issued me a credit card and I was on business travel and the credit card was not even activated few days later they decided to close the credit card due to non activity and reported it to the XXXX XXXX credit that the account was closed which had been on my credit report even though t it was not my mistake and now they are not willing to fix it
Complaint sub-issue: Reporting company used your report improperly

I, the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, do not accept the resolution given by the public entities named Equifax, XXXX and XXXX who act as monitors of soul beings transactions in the extensions of credit. 

I, the soul with the given name XXXX XXXX and the married name XXXX XXXX XXXX, do not owe any so-called debts as listed by the public entities named Equifax, XXXX and XXXX. 

I, the soul with the given name of XXXX XXXX and the married name XXXX XXXX XXXX, has NEVER given permission to these entities to list or connect this soul with the LEGAL FICTION known as XXXX XXXX XXXX or any alias thereof or to list any alleged transactions on their public sites/listings. 

If the public entities named, Equifax, XXXX and XXXX have dealings with the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, they may send documentation with the proper use of lettering as aforementioned. 

If these entities known as Equifax, XXXX and XXXX do not send or communicate to those parties they do business with to send the alleged debts to the soul with the proper use of lettering to said soul, I request all alleged debts be DELETED from the credit listing entities named Equifax, XXXX and XXXX. 

Any documents sent with the lettering related to the LEGAL FICTION known as XXXX XXXX XXXX or any aliases related thus will not be addressed by this soul. 


The alleged accounts are thus : XXXX XXXXXXXX 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

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name, Thank you in advances for you quick responses.
Complaint sub-issue: Problem getting report or credit score

Hello, Equifax has block/removed my profile information within their monitoring system ...! I use Equifax monitoring system to monitor my credit. Every since I responded to case number # XXXX. Showing that Equifax stated they an inquiry was not reporting to my credit, but once you look on their monitoring system, you can clear see the information still reported my profile ... Now, today when access Equifax Monitor System it displays no information at ALL!!! 

I have complained about Equifax adding a number of different account to my credit and report and they have yet to resolve the issue and I have got denied credit because of their errors ... Please see the attachment, which clearly shows Equifax Monitor and with no data for me, but I 'm a paying customer that had data before they were caught not being honest. 

My score was fine on XXXX XXXX and after that a number of BAD ACCOUNTS WERE added to my credit report by Equifax including a number of inquiries ... I have requested Equifax to place my account as it was on XXXX XXXX and they have yet to do so. 
I have attached both of those reports from the XXXX XXXX and XXXX XXXX, please see the difference.
Complaint sub-issue: Frequent or repeated calls

I have emailed XXXX over 20 times and havent received 1 single direct response. They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my complaint ) and Trellis that ignores 2 important points. There was an additional point but I know XXXX will admit that they lied to a 3rd party for legal reasons. 

Now XXXX at Trellis is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which they were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. Trellis is also ok with them not directly answering the 3 points I have been trying to get directly addressed for months! Its not rocket science simply directly and specifically address my points I need the following directly answered : 2 ) Because XXXX is the original creditor they can contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX  contacts me and they refuse to acknowledge it and confirm that Email and my XXXX XXXX only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with 3rd parties 3 ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Was told they were allowed to run my credit to sell my closed written off debt
Complaint sub-issue: Funds not received from closed account

- Opened checking account with Citibank in XX/XX/XXXX - XXXX Debit Card Initial Funding Internet from account XXXX for {$25.00} - Closed account soon after - Called many times since to request refund of {$25.00} - Case File # XXXX - Sent proof of address on XX/XX/XXXX to fax number XXXX - Filed a complaint with " XXXX '' on XX/XX/XXXX - Expected a refund check by XX/XX/XXXX. To this day, unable to obtain refund.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. N/A with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$120.00} -This is not my account. 

2. N/A with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX, and I am filing a complaint about an entry listed on my credit report for Equifax and XXXX, which is a public record, XXXX,, which I have tried to have disputed three different times, which was first on XX/XX/XXXX, the second time was on XX/XX/XXXX, and on XX/XX/XXXX, and now disputing for a XXXX time. The XXXX  came off but was re-inserted back on the credit file. Apparently someone with a similar name to mine filed XXXX in ( UNITED STATES XXXX COURT, XXXX XXXX XXXX XXXX for {$0.00}, and it is appearing on my credit report. After contacting the XXXX Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any XXXX cases. As you all know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it permanently, immediately.
Complaint sub-issue: Funds not received from closed account

I just opened a checking account with tcf bank like XX/XX/XXXX Few weeks afterwards i was having problems getting information about my tcf account. To know : balance info and such. Tcf agents to me all i would have to do is go into any tcf branch and request a new ATM card. Still questioning to myself why my card doesn't work. but what ever. 
Weeks later XX/XX/XXXX i go into a tcf bank with my ATM card and request for a new Atm card.. 
Well this bank teller is now telling me my account is closed and was closed on XX/XX/XXXX. and there so reason to why it was closed. 

I demanded my money that is setting in that account. Sum of {$1200.00} dollars that was just deposited this morning at XXXXXXXX XXXX 
The teller says the money isn't in your account but tcf does have it and you'll have to wait for a check from tcf. And you'll receive that in about 15 days. the teller states. 
I said no way i need my money now. XXXX and complained is all i could do. 
Knowing theres bank tellers dont know what to do either. 

I want and need my money now. Not one person in tcf corp office will return my call or call me back. 
I did file a police report because tcf stold my money I
Complaint sub-issue: Didn't receive enough information to verify debt

I received written correspondence from XXXX XXXXXXXX XXXX in XXXX ( attached ) of an estimate for payments owed after move out repairs were made with a notice that the final account statement was to follow. A final account statement was never received. I was then contacted by phone by Hunter Warfeild collections on XX/XX/XXXX. Upon returning Hunter Warfield 's call I was made aware that XXXX XXXX had hired them to collect on a debt. I requested that a itemized bill by mailed to my current address and provided that address to the representative. No further contact has been made by Hunter Warfield and no bill was recieved by mail. I have attempted contact with XXXX XXXX several times always leaving messages requesting a return call. My credit report as of XX/XX/XXXX shows a collection. I would like to dispute this collection as proper procedures were not followed and I can not verify the legitimacy of the claim. Thank you for your help. 
XXXX  XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This greatly affects me with my credit dealings because this makes it harder and time-consuming to transact, It goes without saying that I want this to be fixed.
Complaint sub-issue: Information belongs to someone else

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.
Complaint sub-issue: Personal information incorrect

THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING. This series of misreporting seems to me clearly involves a universal and complete failure by this credit company to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

Between XXXX and XXXX 2017, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me. 

This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX/month. Given that I am XXXX years and XXXX months old, and the social security administration estimates my lifespan at 82.2 years, this means I will need to pay for this service for an expected 54.7 years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information.
Complaint sub-issue: Account opened as a result of fraud

Optum Financial opened an account under my name without my consent. I've tried to get them to close it, but they want all of my personal information, or register on their site in order to close an account I never opened. I told them they just need to close the account because I never opened it. I don't not have the account information because I never opened the account, but they keep emailing me at work regarding my Optum account. 

This is an XXXX account which I have repeatedly told my employer I DON'T WANT. I never agreed or consented to an account with Optum/
Complaint sub-issue: Frequent or repeated calls

I have repeatedly requested for them to stop contacting me at work. I have advised them that all communications with me should be via my personal phone number, email, or US mail. They have repeatedly disregarded my wishes and continued to call me at work ; including leaving messages on the general delivery voicemail and at my extension.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive attached a letter from XXXX/XXXX  sent themselves states that they are NOT reporting and delinquencies on my credit report, yet a late for XXXX is being reported to all 3 credit bureaus, I sent this same letter to all 3 and nobody has updated my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXX and i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im pregnant with XXXX and hoping i can move in my own place in my own name for once
Complaint sub-issue: Frequent or repeated calls

The company in question. Sent a typed letter and hand wrote mine and my wife 's SSN # on the letter. This is a breach of state and federal law and I want to pursue action against them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. This was my second request. They closed the dispute and said it was completed and information had been updated on my file. The first company listed on my dispute letter was XXXX XXXX in which Equifax has not provided any contract between myself and XXXX XXXX as requested. Equifax closed the dispute on this and listed the information has been verified and accurate. The second company is XXXX XXXX XXXX which is listed on my report twice in which Equifax has not provided any contract between myself and XXXX XXXX XXXX as requested. Equifax closed this dispute and stated the information I disputed has been verified as accurate and that changes unrelated to my dispute have also been updated. The third company is XXXX XXXX in which Equifax has not provided a contract between myself and XXXX XXXX as requested. Equifax closed the dispute and stated the information disputed has been verified as accurate however changes have been made unrelated to the dispute. I have attached the letter that was sent to them in which I requested proof of contracts between the above companies and myself or deletion of this negative information on my file, as well as the updates they provided.
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 60days. I need these accounts deleted or updated.
Complaint sub-issue: Debt is not mine

XXXX and Crosstown Law LLC, continues to try and collect a debt that not only do I not owe but I 've never had a XXXX account. XXXX themselves has verbally told me that there 's nothing in there system showing I 've ever had an account with them. 

XXXX can not validate the debt according to the FDCPA Law 15 USC 1692g, Section 809 ( b ) Validating Debts.
Complaint sub-issue: Information is not mine

Good Afternoon I am submitting a complaint because there are hard inquiries on my credit report that I did not authorize. Equifax has reported XXXX hard credits I admit some are mine but there are several that are not. Listed below are these accounts and dates inquired. Thank you for looking over my complaint. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX