Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

These items do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROCOLLECT INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Talked to a third-party about your debt

Fig loans and XXXX XXXX XXXX repeatedly contacted a third party by text in reference to my account. They contacted me as well. But they texted the third party details abt my account status through text. They had my phone, email, and address the entire time. I expressed to them on at least 7 occasions that they were texting my account info to the wrong person. I expressed this by email, text, and verbally. They continued to ignore my requests to remove the third partys info. I know they can leave messages with third parties.. but they are not supposed to give out my account information.
Complaint sub-issue: Funds not handled or disbursed as instructed

This is for a Health Savings Account ( HSA ) with Optum XXXX. On XX/XX/XXXX, at my request, XXXX HSA submitted a Transfer of Assets request ( aka in-service rollover ) to Optum XXXX with instructions to transfer {$7000.00} CASH from Optum to XXXX. The Optum XXXX HSA balance at the time of the request was {$11000.00}. Optum XXXX received the signed instructions from XXXX on XX/XX/XXXX. Optum decided to instead process the request as a closure and proceeded to suspend the account from any further transactions, no claims for medical reimbursements were allowed. I placed a call to Optum on XX/XX/XXXX @ XXXX XXXX and spoke to a customer service representative named XXXX ( case # XXXX ) to inquire about the suspension. Representative advised me they processed the transfer request as a close in error and were looking to reinstate the account and fulfill the original request for transfer. Resolution was to be expected in XXXX business days. On XX/XX/XXXX Optum XXXX closed the account and transferred the full balance of {$11000.00} without my authorization. XXXX has not received the funds. I'm currently still enrolled with my employers HDHP and they have NOT changed the HSA administrator. I called Optum on XX/XX/XXXX @ XXXX XXXX XXXX to inquire on why the account was closed. I spoke to customer service representative XXXX XXXX case # XXXX ) and asked to speak to a supervisor since she was unable to assist or understand why the account was closed. I was instead advised no supervisor was available because they were all in a meeting at the time and I had to call back later or be given a call back. The person advising XXXX of the meeting was named XXXX. I called back to speak to a supervisor on XX/XX/XXXX and was able to get a hold of XXXX XXXX ( case # XXXX ). She was unable to explain the reason for the closure and confirmed that the initial call on XX/XX/XXXX didn't resort in any corrections due to the representative failing to file the needed documentation although she stated she would. Today, XX/XX/XXXX no resolution has been reached and the funds have not been made available to me. XXXX XXXX states it will be resolved in XXXX business days but can't reassure me of it and suggest I call back if not resolved. Also, she was unable to provide me with a mailing tracking number for the check and/or check number. I'm unable to use any of the funds to pay for my family 's medical expenses because Optum shows a XXXX balance nor has XXXX received the funds. If needed I have a copy of the signed Transfer Request form from XXXX showing all instructions of the transfer along with a transaction history from Optum XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written Instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602 A states I have the Privacy 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting containing any of the following Items of information any other adverse item of Information other then records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has resonable cause to believe that the information is inaccurate.
Complaint sub-issue: Didn't receive notice of right to dispute

Early in 2021 I decided to use Klarna to purchase an electric skateboard. They offered financing that seemed favorable at the time. There was a dispute with the merchant which I reported to Klarna. This event triggered the auto pay that I set up to be paused. The dispute was eventually resolved and I received my skateboard. Since their system automatically disabled my auto pay it was a reasonable assumption that their system would also reactivate the arrangement. Little did I know that I was falling behind on payments. 

In the meantime, after the fairly positive experience, I made several other purchases using Klarna. Their app aggregated the monthly payments of the various transactions I made using Klarna. Over several months, I received emails stating that my payments were being deducted and I received an email every time I paid off a purchase. 

Several months after I made the skateboard purchase I received an email or call notifying me that I had been sent to collections. As far as I knew, I was making the payments for all the purchases I had made. If Klarna had sent emails regarding the skateboard purchase was falling behind they were overshadowed by the successful payment emails that implied my good account status. Klarna did not contact me before putting my account in collections. Of course I initiated a dispute but they had already referred me to a 3rd party so it isn't surprising that my dispute went nowhere. I should also point out that while I was missing payments to that single loan, Klarna continued to offer me higher and higher purchase amounts and approving transactions ; this further contributed to my perception that all was well. 

They claimed that I stopped the payment agreement to that initial loan. They however can not provide proof that I authorized any such action. On the other hand, I have an email that was sent to me when I initiated a dispute against that merchant that explicitly says that they were pausing my payment arrangement. They screwed up and then sent me to collections without notifying me. They have not taken any steps to undo their referral to collections.
Complaint sub-issue: Reporting company used your report improperly

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX # XXXX and XXXX XXXX, XXXX
Complaint sub-issue: Information is not mine

XXXX addresses are here the I 've never lived in the areas
Complaint sub-issue: Their investigation did not fix an error on your report

IVE BEEN DISPUTING THE INACCURATE INFORMATION ON MY CREDIT REPORT SINCE XX/XX/2018. IVE  ALSO SENT COPIES OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD MULTIPLE TIMES AND THERE IS ALWAYS A PROBLEM MOST RECENTLY I WAS TOLD THAT THEY COULD NOT READ THE IMAGES SENT TO THEM. IVE JUST RECENTLY RECEIVED MAIL FROM EQUIFAX TELLING ME THEY COULD NOT LOCATE MY CREDIT FILE WITH MY IDENTIFICATION I SUBMITTED TO THEM. IF THIS WAS TRUE WHY DID THEY SEND ME A EMAIL STATING THAT THEY A PROCESSING MY DISPUTE BUT THE ONLY THING THEY ARE DOING IS UPDATING A XXXX ACCOUNT WHICH IS NOT MY ACCOUNT I NEVER HAD A XXXX ACCOUNT BUT THEY KEEP UPDATING THIS SAME INFORMATION BUT NOT RELEASING THE INFORMATION ON HOW THIS ACCOUNT IS BEING VALIDATED. EQUIFAX SHOULD NOT BE RESPONSIBLE FOR HANDLING CONSUMER ACCOUNTS BECAUSE THEY ARE UNRELIABLE IRRESPONSIBLE AND REFUSE TO INVESTIGATE DISPUTES ACCURATELY BECAUSE IF THEY DID THIS INFORMATION WOULD HAVE BEEN REMOVED OVER A YEAR AGO BECAUSE IVE NEVER OWNED A XXXX   ACCOUNT AND I NEVER LIVED AT XXXX XXXX XXXX XXXX NY XXXX. HOPEFULLY YOU CAN MEDIATE THIS SITUATION BECAUSE MY NEXT STEP WILL BE SEEKING THE ADVICE OF LEGAL COUNSEL. EQUIFAX IS LITERALLY RUINING MY LIFE BY REPORTING INACCURACIES ON MY CREDIT REPORT.
Complaint sub-issue: Debt is not yours

Progressive Management XXXX XXXX XXXX XXXX {$980.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Complaint sub-issue: Account information incorrect

Purchased XXXX  on XX/XX/XXXX from XXXX XXXX XXXX Financed with PNC bank. traded Vehicle in on XX/XX/XXXX with full pay off with trade in for New Vehicle. Vehicle was not paid off in a timely manner causing a 30 day late payment to show on my and my wifes credit report causing a decrease in score and higher interest rates for all financial needs such as but not limited to Mortgages, new car loans ect... 
I have disputed and provided signed contracts of the trade in but nothing has been fixed as it should be. 
I filed complaints for both XXXX XXXX XXXX as well as PNC bank. 
Disputed with all 3 credit reporting companies and nothing has been done yet.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Information Services, LLC failed to properly investigate a dispute I submitted. on or about XX/XX/2019, I submitted a dispute for the reinvestigation of a public record listed on my consumer credit file. On or about XX/XX/2019, Equifax purports to have completed the investigation and verified the information. The listed XXXX as the information furnisher that verified the information. However that is impossible as I have a security freeze placed on my XXXX XXXX consumer file. I contacted Equifax to verify this information on at least 2 occasions and was told that the information had been verified with XXXX. I then followed up with a call to XXXX XXXX who verified that there had NOT been ANY access to my consumer report by anyone, including Equifax.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent Equifax three dispute letters, verifying my identity and requesting investigations of errors on my bureau file. I have requested that the results be documented and mailed to me at the address that I provided. Please see attached as evidence of the letters and the dates in which Equifax did not respond by 30 days. Each a violation resulting in a fine of {$1000.00}. 

Action : They refuse to correct information after being provided proof of inaccuracy. 
Violation : Defamation, willful injury Legal Jurisdiction : FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 

Action : Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) Violation : Consumer Protection afforded by the FCRA Legal Jurisdiction : FCRA Section 611 Part ( A ) ( 1 )
Complaint sub-issue: Personal information incorrect

I sent a request to the below mentioned credit bureau, along with a copy of my current drivers license as proof of my identity to have my name and address information corrected on my credit report because the reporting agency has published my personal information inaccurately. 

I asked that the following address and wrong spelling of my name be removed : 1. XXXX XXXX   XXXX ... .There is no middle initial in my name 2. XXXX XXXX XXXX ... .I do not have a middle name at all I've never lived at the following addresses : 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, NC XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 6. XXXX XXXX XXXX # XXXX XXXX, NC XXXX 7. XXXX XXXX XXXX XXXX, MA XXXX 8. XXXX XXXX XXXX XXXX, MA XXXX All of the information from 1 thru 8 need to be deleted from my credit report, pursuant to the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed multiple accounts that started last XX/XX/2019. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Complaint sub-issue: Information belongs to someone else

Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.
Complaint sub-issue: Company closed your account

Citibank offered a XXXX XXXX mileage promotion in which a customer opened a new account for various deposit amounts to receive mileage. 

I deposited {$50000.00} to qualify for the bonus of XXXX miles. 

Terms and conditions on offering circular stated deposit new - to - Citibank funds into your On deposit balance within 30 days and maintain the deposit balance for 60 consecutive calendar days and sadly, you will earn up to XXXX bonus miles I called on a recorded line XX/XX/2021 to Citibank after the XXXX day, as clearly stated on the disclosure and requested a withdrawal of my funds, but to maintain the account to remain open to insure that I would receive the Bonus. 
I was assured by the Citibank agent that I would receive the bonus and would keep the bank open keeping a {$100.00} balance to insure I would receive the bonus. 
Later, I received a check for the full amount of my account balance which closed my account. 

I waited months for my XXXX mile bonus which never appeared on my XXXX XXXX account and began calling Citibank. 
I throughly explained that the promotion offer specifically said Balance was to be maintained on 60 consecutive days and not to remain open to receive the mileage bonus.

Numerous calls, resulting in various questions and responses to the wording of the promotion terms and conditions.

I filed to complaints with compliance and marketing department and received negative results to my complaint, basically saying account needed to remain open after the 60 day period. Even when I advised them that I had instructed the account representative to in fact keep the account open with {$100.00} to be safe.

My complaint is basically truth in savings agreement and false advertising in their marketing brochure, which I have in my files.

I am mostly upset with this frustration on a very minimal bonus for a new customer and the lack of clarity in the truth in advertising that they would not observe the customer is always right rule as i will continue my quest in filing this complaint with you. 

Thank you, XXXX
Complaint sub-issue: Debt is not yours

XX/XX/2019 I received a collection notice from ERC. The notice states that I owe XXXX for services from XXXX XXXX ( XXXX ). I didn't understand how this was possible because we have automated bill pay and have for years. We never received a late statement or anything from XXXX and we still to this day have services from XXXX. I called XXXX and a representative and a supervisor both looked at my account and said I didn't have any outstanding balance at all. They even looked back 5 plus years. I have excellent credit and I will not have this reflect negatively on my credit rating. If it should I will take legal steps to get this resolved.
Complaint sub-issue: Can't temporarily postpone payments

I have Parents Plus loans that we 're taken out between XXXX. Loans were at 8 % and 8.25 %. Started repayment in XX/XX/XXXX. Went into Chapter XXXX bankruptcy in XX/XX/XXXX. Servicer, Great Lakes, put loans into forbearance. In 2 years accumulated interest became an extra {$20000.00}. I was not aware that this would happen and was not told by the servicer. I now owe a total of {$160000.00}. Some money is being paid through Chapter XXXX but it only goes to interest and is not enough so the interest keeps accumulating. I would like to refinance the loan at a lower rate but ca n't because Congress has to change the rules. I am almost XXXX years old. This loan will never be paid off. Is there a way to stop the accumulated interest at such a high rate. Is there a way to forgive that extra interest? I feel trapped. This feels like a mafia shakedown. I ca n't even discharge this in bankruptcy. Even after Chapter XXXX payment will be way to high. If I apply for Social Security, they will garnish that. Please try to do something about this. Thanks.
Complaint sub-issue: Received bad information about your loan

I was misled by a Great Lakes and I paid my education loan and the company has proof.When signing for school everyone is offered two loans. As you will notice on document 1.1 a subsidized loan is {$1700.00} and an unsubsidized loan is {$3000.00}. Not every student wants to use these benefits and are mandated to sign a form such as document 2. This form states that I did not want the unsubsidized loan. I received a check on XX/XX/XXXX of {$4000.00}. Obviously this check was way more than what I had signed for, I called the company that sent the check and statement known as Great Lakes bank. This company told me the check was for both the subsidized and unsubsidized loans. Even though I did tell them I signed the form, they told me they told me the only way to fix the issue is to cash the check and pay back the unsubsidized loan. The amount is less expensive if the student pays a set loan off early, so the full amount owed was only {$2900.00}. Document 1.1 also shows the confirmation number I received when I paid the loan off with my debit card and document 1.2 shows the where it came out of my bank. A week later I called my school to pay my tuition with the {$1700.00} I had left on the check. I was then informed that I still owed {$2900.00}. Within the conversation with the student aid we found that the batch check I received was for my federal student pell grant and the loan of the subsidized loan, document 3 breaks down the check and shows I never received an unsubsidized loan. When I called the Great Lakes Bank I was informed the associate told me wrong information and that I did not have an unsubsidized loan nor did I ever ; therefore, the agent told me I would receive a refund of {$1200.00} and the {$1700.00} would be paid off. Document 4 shows I did receive the refund amount. I paid the school out of pocket with the {$1200.00} and the other {$510.00} for tuition. 
In XXXX I checked my credit score to see that the Great Lakes account was still open, so i called to see why it was not yet closed. I was told the subsidized loan was deposited into my account without my knowledge on XX/XX/2019. I have sent in my bank statement which is document 5 and a letter stating that I never received such payment document 6. I have even done a three way call with management from Great Lakes bank to verify. The Great Lakes bank says that they have confirmation that my bank does indeed have the amount which is document 7-8. ( I applied the notice to email because I was not sure if it was important. ) Even if my bank has the amount, it's not in my account and I have proof of that. The company refuses to adhere to my information and believe it is up to me to find the money. Since it's not my fault I should not have to pay another {$1700.00}. I have a few of the managers phone numbers and emails. The company 's phone number as well. PLEASE contact me and I will provide any information that is needed.
Complaint sub-issue: Their investigation did not fix an error on your report

FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I believe your company is not in complaint because when I try to research these accounts you have on my credit you do not provide the full account number. Therefore, I can not confirm the accuracy of these accounts with no account numbers showing fully. Remove these accounts from my credit report. Reporting this stuff is very misleading is a violation of the United States Code Law. 
FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The account is INACCURATE and I'm seeking LITIGATION REMOVE/DELETE IMMEDIATELY. 
15 U.S. Code 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have always paid this on time again this Account Has always been PAID AS AGREED on time Please REMOVE INACCURATE reported late payments please update to PAID AS AGREED.
Complaint sub-issue: Attempted to collect wrong amount

on XX/XX/2020, I responded to Pro Collect, Inc by sending some dispute letters to some negative items which is on my credit report reporting a debt that i don't owe.I have attached the letters to the complaint what i have stated.