Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble closing card

On XXXX XXXX @ XXXX, I logged into my my wisely card account unlike any normal day of each month, to notice my account was inactive.I wasnt notified via email nor by phone from this company to let me know about this issue.I have my Social Security benefits to be direct deposit to my wisely card to pay my rent and bills each month. This company made that impossible for me to pay Merchants for other sources this month ; to keep me and my XXXX XXXX XXXX son homeless.I went into my local Social Security administrative of me not receiving my benefits today, and that Wisely card customer service is claiming they havent received any SSDI payment for me. Social Security administration said that money was deposited into the wisely bank and that is showing from the treasury that it was sent off to Wisely bank.Call Wisely spoke with the supervisor she was no help {$1000.00} was on my card {$700.00} Wisely claiming they didnt receive any from Social Security administrator when I seen a pending before I seen my account was inactive. They change my debt card it different from the card I used.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2016 I submitted a balance transfer request from XXXX XXXX to my Sears XXXX in the amount of {$1600.00}. After a month or so I saw that it never posted to my XXXX account. Over the course of two years I attempted to rectify this issue with XXXX XXXX to where they investigated on their end that Citibank ( who backs XXXX ) had cashed the balance transfer check. XXXX XXXX attempted to contact Citibank to refund the money back as it never got credited to my XXXX account that is listed on the front of the balance transfer check. It is apparent that Citibank did not respond to XXXX XXXX XXXX   correspondence and ignored the request. I have evidence of the check cashed by Citibank, the letters that XXXX XXXX sent to Citi, and other pertinent information that displays Citibank has kept the money. In addition I have copies of my Sears XXXX statements that show the money was never credited to my account.
Complaint sub-issue: Account information incorrect

I contacted FedLoan Servicing to request a temporary address change for a few months in XX/XX/2015. I had to go out of the country to check on my daughter who was living in the XXXX for medical school. I made the request in XX/XX/2015. Even though I made the request, I never received my student loan statement to my new address for the few months that I was living in the XXXX. I wasnt made aware that there was a bill due because fedloan did not do as they said that they would and update my temporary address. All dates that I would be gone we also notated. This is very unfair and unjust.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I had made a payment of {$30.00} to Nelnet. This morning XX/XX/XXXX I see my credit score has dropped 31 points because my Nelnet student loan went up {$26.00}. This is not accurate reporting. I also see that I have one missed payment ( according to them its considered 2 ) when my account was supppose to be in a forbearance in XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

I have sent 2 certified letters ( 1 ) received XX/XX/XXXX and signed for by XXXX ( 2 ) received on XX/XX/XXXXsigned for by XXXX. 
I have disputed this account with I.C. Systems 2 times for an account that says I owe {$540.00}, both times requesting documentation and neither time have they responded with any documentation bearing my signature that i have a contract with them. According to the FCRA if they cant produce this it must be removed and never reappear on my credit files with any credit bureaus.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Received letter from CFM XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, as well as many phone calls starting in XX/XX/XXXX thru XX/XX/XXXX, about a breach of contract with XXXX XXXX XXXX. We sent them our response and our reason for terminating our contract with XXXX. Now it is starting again, XX/XX/XXXX with 3 phone calls, we asked them to stop calling our office. Then they sent email XX/XX/XXXX and we responded again with our documentation, and requested again to not call or email our company. Another ( unprofessional ) email was sent XX/XX/XXXX threatening company credit and further collection attempts.
Complaint sub-issue: Reporting company used your report improperly

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Complaint sub-issue: Account status incorrect

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

XXXX used my credit inproperly by telling other credit bureaus that my credit was reporting late payments and also accessing my credit score without my knowledge being locked and my account has been locked since I been reporting has been used improper XXXX to companies making them close accounts of all my creditors and I been paying on time with accounts are all coming out of my accounts. Experienced has contacted all three credit bureaus and told then I paying late on my accounts and they are not late at all. They has been fraud reported on my account in letting people access credit in my name and I locked my account and always be ; locked but every time it shows someone tried to get credit in my name. There has been reporting wrong to all credit bureaus tha5 my account is not paying on time and that is a big lie! All my accounts are paid on time and they had other credit accounts closed on my account according to all my creditors and they all had told me like XXXX  XXXX, XXXX,, XXXX  XXXX, and many more and it shows o paid them on Time and my account has been compromised by experienced with lies and things that are wrong to other credit bureaus all had told me that expertise contacted them like XXXX and Equifax both told me that experience reported to them my accounts are XXXX and they are not made them closed all my accounts paid o t8me.
Complaint sub-issue: Didn't receive notice of right to dispute

I just received notification that this account was added to my credit report. I did not receive a dunning letter..
Complaint sub-issue: Information belongs to someone else

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Complaint sub-issue: Received bad information about your loan

This is part two. Part one was Complaint ID XXXX. My loan is on the XXXX plan. Part one was about the servicer trying to say I made less payments than I did. 

Now, even though they said I made XXXX out of XXXX payments, they are telling me I need to send income tax info from XXXX. I mailed a set on XX/XX/XXXX. Then they said my IDR request was denied because they didn't get my tax forms. So then I emailed them to MOHELA on XX/XX/XXXX. 

Now they sent me a letter dated XX/XX/XXXX saying " We apologize but we are unable to grant your request for an income driven repayment plan. '' Then it said " A forbearance may have been granted for up to 60 days. '' I heard that this is called FORBEARANCE STEERING and it is illegal. Can I sue MOHELA for doing this?
Complaint sub-issue: Information belongs to someone else

I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.
Complaint sub-issue: Debt is not yours

I contracted AFNI collection agency to inform them a debt was created in my name but I held no lease in the home. Ive spoken with XXXX XXXX XXXX and they are stating its me even though they have verified me not living at the said address. I would like this off my report I cant even get service with that company because of this!
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XX/XX/2022, XX/XX/2022, And XXXX XXXX XXXX but the bureaus did not remove the items below. 

Sec. 602 FCRA States " I have a right to privacy '' XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
Equifax, XXXX XXXX XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX XXXX XXXX written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AZ XXXX
Complaint sub-issue: Trouble with how payments are being handled

Requested refund on XX/XX/25, and there is no update. I've tried calling and emailing numerous times, but I have not gotten updates.
Complaint sub-issue: Old information reappears or never goes away

They keep selling the debt to new collection agencies, then it shows a new open date, and it never goes away. This " supposed '' debt is well over 10 years ago ... Not only that, but I do n't even owe the money! I asked XXXX XXXX to close my account back then, and they told me on the phone it was taken care of, but then they never closed it. I am never going to pay money I do n't owe. I just want to know how to get rid of this thing on my credit. I 've been punished long enough for something I did n't owe.
Complaint sub-issue: Problem getting your free annual credit report

I tried to get my credit reports from XXXX  from all 3 credit bureaus, Equifax, XXXX  and XXXX. However, Equifax failed to deliver on the report online while the other 2 succeeded. I became worried owing to the not so favorable security track record from Equifax and called their customer service on several occasions. According to all of them, it is out of their hands and did no acknowledged there was a problem. When asked about if any other party in Equifax that I can speak to to resolve the obvious technical issue, they simply responded that there was no such entity.
Complaint sub-issue: Account information incorrect

I was looking at my XXXX credit report on XX/XX/XXXX and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XX/XX/XXXX at {$3400.00}. Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.
Complaint sub-issue: Information belongs to someone else

I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX {$0.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Information belongs to someone else

There is an account incorrectly reporting on my credit report that doesn't belong to me. I would like this removed immediately I tried to resolve this with the company. But they have yet to resolve my issue. The entry is for XXXX # XXXX XXXX {$59.00}. I never received proper correspondence regarding this either.
Complaint sub-issue: Personal information

I have paid the debt and Equifax refuses to take it off of my credit report, or host an acceptable means of filing a dispute.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Institution Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process. 

XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I gave no authorization for my credit report to be pulled. For our mortgage approval the request specifically said to pull only my husband 's report. The auto inquiries pulled over the last couple weeks was supposed to be limited to one bank, not the multiple inquiries that I see on my report
Complaint sub-issue: Information belongs to someone else

in accordance with the Fair Credit Reporting act, XXXX, Equifax and XXXX has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and address used to open account ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX REPORT NUMBER : XXXX
Complaint sub-issue: Attempted to collect wrong amount

I received a court summons on XX/XX/2022 for a lawsuit filed by XXXX XXXX XXXX. On XX/XX/XXXX, I called the attorney of record XXXX XXXX XXXX of Nelson & Kennard. During the conversation I asked how to I pay the amount to avoid court. XXXX advised me that if I paid {$2000.00} he would settle the debt. I agreed to the settlement over a recorded phone line. XXXX transferred me to the payment department, where again it was reiterated over a recorded line the {$2000.00} payment would settle the debt. I paid with a check by phone and the money was withdrawn on XX/XX/2022. On XX/XX/XXXX I received a letter from XXXX XXXX stating that they received my payment and now I owe them {$460.00} to close the file.
Complaint sub-issue: Problem using a debit or ATM card

On XXXX/XXXX/2021, I, the consumer, received notification that the XXXX XXXX XXXX XXXX XXXX executed two unauthorized electronic funds transfer for {$32.00} and {$0.00} via my PNC debit card. I received no benefit from the transaction. I contacted PNC Bank to dispute these transactions on XX/XX//2021 but to date, I have only received a refund for the transaction of {$0.00}.
Complaint sub-issue: Account information incorrect

I had sent in a complaint concerning my account. This account is closed but XXXX is still showing late payments.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

During the first time applying for a mortgage with XXXX XXXX back in XXXX of XXXX a credit run was authorized by me to check my credit report. XXXX XXXX was the broker at the time that was processing the loan from XXXX XXXX  I was told by running the first inquiry will be affected but not afterwards, since it was applying for a home loan ( same company ). And, any inquiries there afterwards from XXXX XXXX  would not affect my credit report, ( it should only be soft pulls until loan approved and to close on the house ). How many times should a loan company pull your credit report as a hard inquiriy while in the midst of purchasing a home? I have over 8 hard inquiries on all 3 Credit Bureau from XXXX XXXX. I can understand 2 hard inquiries if was needed, which could be from first applying for the loan and when closing. This broker felt the need to continue to run a credit inquiry on me ( same company ). XXXX XXXX states because of previous dispute I had on my credit report, the disputes needed to be removed. But does getting your disputes removed is required by hard inquiries or to run hard inquiries? This has really affected me greatly with getting approved for credit. I have been denied for credit and credit line increased ( I wasn't before purchasinga home ) because of too many hard inquiries. And, this was right after I purchased a home in XXXX XXXX which I started having difficulty with thr broker XXXX XXXX then ( excuses ). Also, my loan has been already been sold to another lender XXXX before my first house payment in XX/XX/2022. I asked for help from the broker himself, XXXX XXXX about the hard inquiries, but XXXX XXXX stated this is what needed to be done by him/company due to the disputes I had on my credit report ( to get removed ). I need this to be resolved. Also, I have called and reached out to all 3 of the Credit Bureau asking for assistance with the hard inquiries and the reporting agencies states they are not able to remove thr hard inquiries and they will stay on my credit report for 2 years, which is harming me, my livelihood, especially after purchasing a newly built home.
Complaint sub-issue: Information belongs to someone else

CITI CARDS CBNA XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Threatened to sue you for very old debt

Kohn Law Firm SC Attorneys at Law is not giving all the information I need for a Case between XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the law firm client. I'm XXXXXXXX XXXX XXXXXXXX 's mother, XXXX XXXX. I understand they had court in XXXX for her. She was paying the loan and stopped in XXXX of XXXX. They are trying to garnish my check without giving me any proper information about the borrower and loan. I want to see the original papers so I can know more about the loan. XXXX, phone number, XXXX, ext. XXXX is the rep. I've been in contact with and I can't explain anything to him. He is so rude. I believe if you are going to garnish someone's paycheck they should know more a bout the company, which is not a regular loan creditor. They are a trust place and more like a depositor. I told them I'm really not able to pay my daughter 's loan. I am the cosigner. My daughter has two jobs and is working on her XXXX XXXX degree. She just received XXXX and should have payed her dept I'm not sure if this place is legitimate or not that's why I didn't provide them with any of my financial papers. 

Case # XXXX File # XXXX