Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

I previously had an {$8500.00} credit limit with Discover. I was 30 days late on my XXXX card, Discover reduced my limit to {$500.00} because of the late payment on my XXXX card. XXXX did not penalize my account and waived the late fee. Discover dropped my available credit to right about my current balance of {$300.00}. I did not receive a letter stating this as Discover stated they informed me by mail.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX - $ {$2400.00} First Reported XX/XX/2019 Original Creditor-CITIBANK N.A. 
Phone Number ( XXXX ) XXXX AddressXXXX XXXX   XXXX XXXX, SC XXXX THIS DEBT COLLECTION AGENCY IS REPORTING AN ACCOUNT THAT WAS OPENED BY SOMEONE FRAUDULENTLY. 
ACCOUNT WAS ALREADY DISPUTED WITH ORIGINAL CREDITOR CITI BANK AND THEY AGREED TO REMOVE AND INFORM THE CREDIT BUREAUS. AFTER SEVERAL DISPUTE ATTEMPTS MADE ONLY XXXX IS STILL SHOWING THIS ACCOUNT ON MY REPORT AND ITS AFFECTING MY FINANCIAL NEEDS.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Attempted to collect wrong amount

I rented a apartment at XXXX XXXX XXXX XXXX It was unit # XXXX. Upon repeated harassment from tenants below us I decided to move after the women who lived there tried to force their way into my unit. I called management repeatedly and was told it is a personal matter. After I felt unsafe I left on XXXX fearing for mine and my daughter safety. On XXXX this debt was turned over to XXXX XXXX collection agency. My rent was paid until XXXX my lease was up XXXX. This collection agency contacted me on XXXX demanding I take care of the debt. I pointed out a few major issues. 
1 ) my rent was paid until XXXX how can I owe for non payment I have the transaction on my bank statement. 
2 ) my lease was up XXXX yet you say I owe you 24 days but my rent was paid until XXXX. 
3 ) the carpet damage is on the walk through report and was badly damaged and frayed when I moved in I was there 8 mos.

4 ) I never received any information or itemized bill from anyone yet you are trying to collect a debt. 
5 ) this building is a non smoking building but I was constantly having XXXX smoke blown into my unit by down stairs through balcony door and through vent in the bathroom. 
6 ) in there own lease it says prohibited activity is threatening behavior the disturbs the safety of others. I'm XXXX and XXXX these women tried to force their way into my unit. 
I called the management office several times telling them about repeatedly being bullied and harassed and XXXX told me is was a personal matter.
Complaint sub-issue: Debt is not yours

I sent Grant & Weber a letter for a debt validation. Grant & Weber did respond via mail, but my concern is that Grant & Weber has completed a major HIPPA violation along with the original creditor  XXXX   XXXX   XXXX . Grant & Weber is an law office or so they say and I am sure they know of the HIPPA laws or so they should.     Grant & Weber has yet to provide me the original contract that I SIGNED WITH THEM.   Grant & Weber has clearly and willfully broken HIPPA laws.   My medical information is personal and should remain confidential between me and a medical provider.   Grant & Weber is in a clear violation and have no permissible purpose divulging protected health info to anyone on an account.     I intend to file a compliant with DHHS OCR against Grant & Weber as well as  XXXX   XXXX   XXXX   XXXX  for this violation because my information is protected by the HIPPA laws and when a hospital sells a debt, they are only suppose to sell the debt, and NOT my personal medical information, no details!
Complaint sub-issue: Problem with fees

I called the number on the back of my card ( XXXX ) and asked for them to close my credit card on XX/XX/XXXX. On XX/XX/XXXX I received an email from the the local banker ( XXXX XXXX ) asking me to confirm that I really wanted my account closed. I confirmed via email the same day. At that time I had a {$670.00} credit balance on my account. After that, I was charged a {$400.00} annual fee and my account was closed, even though I had requested the closure prior to being assessed the fee. I contacted XXXX XXXX about the issue and she informed me that I would receive two checks in the mail : a {$270.00} check for the refund of the balance and a {$400.00} check to refund the annual fee. I received the first check for {$270.00} ( dated XX/XX/19 ), but the second check has not arrived. I contacted XXXX XXXX again multiple times this week, and all emails are being returned as undeliverable.
Complaint sub-issue: Their investigation did not fix an error on your report

Some company by the name XXXX XXXX put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.
Complaint sub-issue: Their investigation did not fix an error on your report

At this time LEXIS NEXIS HAS not responded to my dispute in regards to LEXIS NEXIs REMOVING MY DATA INFORMATION including from third party credit bureaus, which includes XXXX, XXXX, XXXX. This company has also responded to a different claim other than my own also with a different name. The correct claim number is XXXX, as reflected in the attachment. I have no idea who XXXX XXXX IS, this is not me. My customer number is XXXX. Please respond and remove the data information that was sold to XXXX XXXX and XXXX.
Complaint sub-issue: Account status incorrect

I have contacted both Equifax and XXXX XXXX  about how they are currently still reporting that i am an active authorized user of the account listed on my credit report. I am not listed as an active user, I was removed some time ago and the account is actually paid in full and closed out. Equifax has yet to remove this from my report and it is causing me a hardship due to the fact I am unable to refinance my home.
Complaint sub-issue: Threatened to take legal action

The company, West Asset Management, repeatedly calls me on my cell phone refuses to identify why they are calling and states repeatedly " I have your Social Security Number now you need to verify it for me. ''
Complaint sub-issue: Received bad information about your loan

XXXX XXXX  On XX/XX/XXXX, I logged into my XXXX account online to pay off a small loan that had a balance of approximately {$3000.00}. I made two payments on XX/XX/XXXX that paid off the loan. On XX/XX/XXXX, I received a Paid in Full Notification for the loan. Additionally, on XX/XX/XXXX, I received a financial activity summary that reflected that the loan was paid in full. 

I then received a monthly bill dated XX/XX/XXXX, stating that I have a balance due of approximately {$13.00}. I called XXXX  XXXX  on XX/XX/XXXX, and spoke with account specialist XXXX # XXXX, and informed them that I had already paid off the loan and had received two notices also to that effect. XXXX told me that she would put this matter " in review ''. On XX/XX/XXXX, I also submitted via online & fax a letter with the notices from XX/XX/XXXX and XX/XX/XXXX asking that XXXX XXXX review the loan and stating that i had paid the loan in full. 

I have submitted in writing and called a number of times, and still have not received an answer about my loan. I paid it in full 2 years ago and I am still paying interest on the loan. It is ridiculous that I am getting misinformation and they will not correct the error. The fact that I can pay off a loan and then be told 1.5 years later that it wasn't paid is gross mismanagement and completely dishonest.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts violated my rights : U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX* US DEPARTMENT OF EDUCATION XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX xXXXX XXXX DEPT OF ED/XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Thanks!
Complaint sub-issue: Confusing or misleading advertising about the credit card

I contacted Discover Card on XX/XX/2018 to see if there was any offers or opportunities to lower my interest rate. After speaking with an agent, she offered to apply an additional {$25.00} to my principal if I made a one time payment on my account at that moment. I asked the agent if this would result in a double bill since I enrolled in auto pay. The agent said no, it is illegal to bill me twice in the same month. After agreeing to it, I noticed on XX/XX/2018 my checking account was missing an additional {$200.00} which was the result of being billed again by Discover. After calling in to report this and ask for a refund, I received subpar service and was told that a refund check would be mailed out in 3-7 business days which caused me to miss my student loan payment. I asked repeatedly if there was any way to overnight my refund and I was told no, it's against their policy, despite the fact that they provided inaccurate information. The response was totally inappropriate given the situation. As of today, XX/XX/18, I still do not have the {$200.00} that they illegally took from me.
Complaint sub-issue: Account information incorrect

Equifax ; XXXX  and XXXX  should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Don't agree with fees charged

Student Loans.gov - I have a total of XXXX loans ( lines ). In XX/XX/XXXX - XXXX loans were consolidated with outstanding principal balances. The loans that were consolidated are still showing principal account balances. Nelnet said the loans were transferred to them and they ca n't make any changes. XXXX says they did not do the consolidation. Studentloans.gov says they ca n't help they only house the loans in a database. I attended XXXX XXXX College for on semester XX/XX/XXXX and Nelnet and XXXX show I owe over XXXX dollars for one semester. XXXX College of XXXX worked with me and Identified I owe them XXXX loans and Nelnet and StudentLoans say I owe XXXX loans over XXXX dollars, and XXXX XXXX College is over XXXX dollars. The schools identified there is an error, and studentloans.gov identified there is an error but nobody is changing it. I need help. Who can I call to help me. They are charging me XXXX in school loans. Nelnet is demanding payment but they wo n't correct the errors. They do n't have a promissory note for XX/XX/XXXX or XX/XX/XXXX for the consolidations.
Complaint sub-issue: Personal information incorrect

I have tried and wrote to have the wrong addresses and aliases names removed from my report
Complaint sub-issue: Was not notified of investigation status or results

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX obtained a credit report on me without my permission. I wrote them on XX/XX/2018 ( Certified Mail # XXXX ). I also called on XX/XX/2018 and again on XX/XX/2018. Both times the person representing XXXX XXXX admitted there was fraud involved in obtaining my credit report. Both times they promised to get the inquiry removed - but never did..
Complaint sub-issue: Not disclosed as an attempt to collect

Checking my XXXX credit reports, it has been noted a credit collection company by the name, Enhanced Recovery Company, Enhanced Recovery Corporation, and ERC, is reporting a debt bought from ( XXXX XXXX, in the amount of {$170.00}. XXXX, XXXX. ) On XXXX, XXXX, Claims they received said account for collection. 
I never received any communication or letters from this agency. 
I have resided at the same address for over 6 years.This account is now Open with XXXX of the credit reporting agency, dated XXXX, XXXX, and XXXX agency as Closed, as of to date. 
XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX ( open ) collection, XXXX date update : XXXX ( closed ) XXXX date update : XXXX ( open ) collections under ERC XXXX date update : XXXX/XXXX/XXXX ( open ) renewal/installment. 

XXXX reporting agencies now showing different remarks Collections/charge off Closed Renewal/installments Under the Fair Credit Reporting Act, this is illegal. 
( Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer unfair and unjustifiable practices information contained in the files of consumer reporting agencies ). 
There are multiple inaccuracies in my credit files. Verification of debt must be clear and sent forward or said collection deleted from my files.
Complaint sub-issue: Reporting company used your report improperly

N accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Their investigation did not fix an error on your report

There are XXXX First Progress accounts showing on my report, when I reached out to First Progress to understand this, I received info back from XXXX XXXX XXXX. I pulled an updated credit report and found that the First Progress Accounts were not reporting as disputed as required by law.FCRA section 623 states that a Creditor must report an account as disputed to the XXXX Credit agencies. The FDCPA 807 ( b ) states that a debt collector must report an account as disputed when it receives the notice. The account has not notations of being disputed by the cinsumer
Complaint sub-issue: Trouble with how payments are handled

In 2013 I took a private student loan with Sallie Mae for my son who is still in school. I took a loan with a fixed interest percentage, and I 'm suppose to pay only interest while he is in school ; however, I always send an extra payment in order to decrease the loan. I have noticed that the monthly minimum amount changes, but I will not be able to tell you the exact amount because the do n't send statement and when I sign into the website they provide you a list of peymrnts received but they do n't provide how yo retrieve statements. The original loan was for XXXX and it is XXXX
Complaint sub-issue: Account information incorrect

I sent a letter regarding inaccurate & unknown items on my credit report. To this day over 50 days I have not received any response, Ive spoke to reps at each company they said that they have received my letter. I feel like I'm being taken advantage of & ignored of my dispute. According to Section 611c states that a failure to investigate these item within 30 days gives reason to immediately remove theses items from my credit report. It has been over 50 days so the items that are being disputed should be deleted from my credit report. I intend on file a FTC ( Federal trade commission ) complaint. My data was also impacted by the XXXX data breach my info my have gotten in the wrong hands of the wrong person.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX XXXX XXXX XXXX is the name of the company XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue. 
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed some unauthorized inquiries on my Equifax credit report.According to the Fair Credit Reporting Act, legally these unverified and unauthorized items MUST be removed!! All highlighted items MUST be deleted from my credit report and my credit file should be updated
Complaint sub-issue: Information belongs to someone else

I am attaching a copy of my ID theft report for a XXXX  XXXX XXXX account being reported on my credit reports. XXXX  XXXX XXXX is ignoring the fact that I did not open this account and as stated in my ID theft report a past roommate/Co-habitant used my personal information to open this account. Please see the attached theft report. Furthermore, In accordance with FCRA 605B ( 15 USC 1681c-2 ) I hereby give you 4 days to block the information I am reporting as it pertains to fraud.
Complaint sub-issue: Reinserted previously deleted info

There were XXXX items that still appear on my credit reports after receiving confirmation that they were deleted. I received confirmation that these items have been deleted as well and they still are appearing inaccurately on my report. It is also a violation of the FCRA to re insert items previously deleted without notifying me within 5 days of its reinsertion. I demand that these items be deleted before proceeding. 

I have attached the deletions record from you as well as my ID
Complaint sub-issue: Their investigation did not fix an error on your report

Student loan is paid off. But still reporting on my credit as not paid.