Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have been trying since XX/XX/XXXX to get a report from Key Bank stating that I have made all of my payments in time for a home equity loan. Key Bank has sent me to their bankrupcty department as I did file banruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. I reaffirmed with Key bank but they are treating my loan with them as if I didn't reaffirm but they have collected over {$8000.00} from me and this is now paid in full. I have called Key bank in XX/XX/XXXX trying to get this correct and I also had a 3 way conversation with Key bank and XXXX  back as I was trying to refinance my house. I was denied a refi due to this error. I was not aware that they could not do this to me until I met with my new lender and she explained to me that they can not not reaffirm with me nor can they take my loan that I did reaffirm with as report it to the credit bureau that this account was included in a Bankruptcy. I also spent an hour on the phone trying to contact people at Key bank this past Tuesday XX/XX/XXXX trying to get this resolved only to have people disconnect me, send me to unknown voicemail or just refuse to speak with me. I then went into the Local Key branch in XXXX, Indiana and spoke with the Branch Manager XXXX XXXX and she was of no help. She reached out to a lady named XXXX - office code number is XXXX ( i believe ) and she was to either email the payment history to XXXX or mail it to me. I haven't seen anything so I called XXXX  on Friday and asked about this paperwork as this is costing me quite a bit of money and she stated she would follow up with XXXX  and return my phone call but she never called me back. My new potential lender then emailed XXXX cc'ing me as I was in the office with her and again no response. Key bank is not working with me to correct the error on their part and to report to the credit bureau a correct report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX - Was double charged for TV, as when Best Buy agent canceled order, it did not reflect in Best Buy inventory. Never got that TV, but the issue at hand is, that charge is stuck. Called Citibank who services Best Buy card. They sent me back to Best Buy, and am stuck in loop. 

Emailed Best Buy Corporate XX/XX/XXXX, once new statement was out, and I saw charges. They contacted me with resolution about gift cards being used to pay off the incorrect charge. I have voicemails from XXXX at BB executive office with the above solution for reconciliation ( XX/XX/XXXX ). Weird way to reconcile errorcould this be XXXX compliant?? 

XXXX direct line at Best Buy Executive Office - XXXX. You can verify everything with him. Happy to provide you with emails to Best Buy, and voicemails from XXXX with supposed resolution. 

Today its XXXX, and my account is still double charged. I feel like Im held hostage at this point. This is impacting me credit utilization, and thus my XXXX. My XXXX is good, but logically would be higher, if it doesnt show an extra $ XXXX being used on account ( current total charges are ~ $ XXXX ). This should be illegal. 

I feel stuck, like XXXX against XXXX. Please help me with some guidance. Had the tables been turned, and I walked out with a $ XXXX tv, Best Buy would surely have locked me up immediately. 

Respectfully, XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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: Account information incorrect

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Complaint sub-issue: Investigation took more than 30 days

Regarding Equifax Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Equifax has on file ; and on XX/XX/2021 I sent Equifax a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 609 notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XXXX the XXXX someone withdrew all funds from this card. I filed a dispute and reissued the funds 15 days later because they issued a card to another address and it wasnt the address that Social Security had on file. On XX/XX/2019 they then issued another card to another person not on the account. I called the company to cancel the card and they told me that it was nothing that they could do but keep reissuing the card and that these people that are fraudulently using this card could continue to call and issue more cards. They are refusing to add alerts to accounts for fraudulent activity. Unfortunately because Social Security has issued benefits for XXXX, I am not able to change banks for my sons account. This bank has no security measure put in place to stop fraudulent activity on XXXX adults funds being placed in there accounts through there card services. It makes me wonder how many XXXX adults are being frauded through this government given program for funds and are not getting their monthly money because they dont know what to do. Also, management was very rude with me when I asked who Investigated them on fraudulent activity with the bank and card services that maybe they should reconsider activity of how a person could order cards for Social Security benefits.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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: Received bad information about your loan

Since May of this year, I've called AES about 8 times to prepare for a new repayment schedule that would begin after my Income Based Repayment Plan (IBR) would end (XX/XX/2019). The rep on that call gave me information and quotes on what different repayment options would be once the IBR ended. The rep provided instructions on how to move forward so that I would have a seamless transition to the new repayment schedule. I followed instruction and when I called back was told that I was given incorrect information. This pattern repeated for the subsequent 5 or so phone calls, all of which are/were recorded. After going back and forth for months, I received new repayment schedule options. I called back and accepted a specific option in which the rep agreed and confirmed terms. In order to make sure the correct amount is to be billed in setting up automatic payments, I saw that the repayment amount is ~$XXXX/month more than what I was shown in writing and agreed to over the phone with a rep that operates under authority from AES. This is breach of contract and the most egregious form of deceptive business practices. AES's intent is to defraud borrowers or their employees are so incompetent and negligent in their duties that AES has critical systemic failures at every level. I've tried to resolve this issue multiple times asking to speak with someone in a supervisory position to review the calls and call me to discuss. My intent is to repay my loan, but to do so within my rights and not be the victim of fraud. No one has called me back to date. AES's process is for a rep when asked to be transferred to a supervisor, to say okay and then transfer the caller to a senior rep, then the senior rep when asked to transfer the caller to a supervisor says okay and transfers the caller to a department lead. Systemic failures across the board. My next step is a lawsuit which will include a claim for punitive damages. The abuses are extreme. I've given AES multiple opportunities to rectify the issue amicably and they refuse to comply. I hope the CFPB can compel a response by someone that listens to all the calls and has the information, knowledge and capacity to resolve the issue to get on the agreed upon repayment schedule. If not, the matter will proceed to court. I suspect that I am not the only one that AES is trying to exploit.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I called XXXX to have WiFi internet installed into my New York address. I was clear with the sales agent that I did not want to pay for the installation nor equipment, and the sales agent told me they could do that. 

I was not overly thrilled with the service and received XXXX bill from XXXX the following month, which was not paid immediately, so the service was disconnected sometime between XX/XX/XXXX to XXXX, XXXX. I left this address on XX/XX/XXXX aware that I owed XXXX month of service but nothing more. I didnt think they would charge me anything further as the service was deactivated, no longer in use. 

Once I had relocated to my new home in California, I received a call from a debt collector about this bill in XX/XX/XXXX. I didnt understand the charges but I knew the amount for {$300.00} for XXXX days service was incorrect. When I called XXXX they told me they had sent my account to a third party debt collector and it was out of their hands, that they couldnt do anything. I asked to dispute the charges and they said they would contact me back, I never received any call-back or email, nor voicemail. 

Now that Im trying to upgrade my bank account they tell me somethings popping up with my SSN and so I called XXXX in XX/XX/XXXX and was told the charges were for the equipment that I never returned, but I was never informed upfront about any equipment charges nor that I had to return them. I told them again I wanted to dispute the charges and was told somebody would get back to me, but again I never received a call, email or voicemail ( a voicemail I could respond to ). 

I called XXXX today to discuss the disputed charges and was told I should have known to cancel my account after they had already deactivated it, and that I should know to return the equipment and that I should know I will get charged for them. Not when I was told on XX/XX/XXXX that the equipment was no charge upfront and that I would not be charged. XXXX can not provide me with the exact dates my service was active, and say they did not cancel my account until XX/XX/XXXX, which is XXXX months after they deactivated my service. 

I told XXXX that I believe I am liable to pay for the XXXX days the Internet was active, but not for the other charges that I did not agree to nor were unaware of, nor that they would charge me these extra charges at a later date. XXXX tell me they only added the charges onto my account in once they cancelled it! And then failed to inform me of this information, I found out through their third party debt collector, IC Systems. Obviously, Im not going to pay the debt collector, nor any XXXX bill, until Ive resolved these charges that I never agreed to.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Credco is claiming that they are a part of CoreLogic for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. 

Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed that XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2022. On multiple occasions I requested XXXX and EQUIFAX to verify these inquiries. They have yet to do so.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I.C. System is illegally reporting my private information to an uninterested third party/public agency without my authorization, and attempting to illegally collect a debt. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA.

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me.

2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with I.C. System for any reason and revoke any alleged or implied agreements made on my behalf without my knowledge or consent.

4. The This is an official notice to cease and desist collection and communication attempts, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.
Complaint sub-issue: Threatened or suggested your credit would be damaged

AR Solutions sent written communication to us about a medical bill from XXXX XXXX that had already been paid months ago. The written communication threatened to damage our credit if we did not pay within 30 days from their statement date. This only provided us a small amount of time to react. We called AR Solutions immediately to resolve the matter, and we were told that AR Solutions had gone through our account already individually and determined that we owed the money ( which we had paid months ago and had a receipt from XXXX XXXX showing our account was paid in full ). After our first call with AR Solutions we called XXXX XXXX and verified that our account was in fact paid in full and we had a {$0.00} balance. 

We then provided a receipt of full payment of the exact bill from XXXX XXXX that AR Solutions was attempting to collect from us. 

It has been over two weeks since providing proof/receipt of full payment to AR Solutions, and we have not received confirmation from AR Solutions that this resolved and that our credit score was not damaged. We have reached out via two phone calls to resolve and ask for written communication back.
Complaint sub-issue: Used obscene/profane/abusive language

My office has been contacted repeatedly by LMS Mediation. It appears that someone having a debt gave them my office number. Today, rather than letting them leave another voicemail, I answered the call. I politely informed the caller, who said his name was XXXX, that he had the wrong number and that I had never met or heard of the person he was trying to contact. XXXX insisted he had used my phone number to contact his debtor on at least XXXX occasions in as many weeks. Once again I politely told him he had bad information. He then told me I did n't need to be an " XXXX '' and ended the call with a hearty " XXXX ''. 

I called the number left on the previous voice mails and spoke to a receptionist who told me my number would not be called again. The name of the company is LMS Mediation, the number is XXXX, and it is supposedly based in Michigan and owned by an attorney named XXXX XXXX. 

Like many, I XXXX for a company that has a large part of its business in XXXX. We have a large staff responsible for collecting this money and they do it by treating our customers with the respect and professionalism they deserve. I can tell you that companies like LMS Mediation make collecting debts the proper way much more difficult and just helps to solidify the smarmy, shady reputation the receivables industry has today.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 and 30 Day demand to comply sent on XX/XX/2020.
Complaint sub-issue: Account status incorrect

When I was XXXX i opened my first credit card at XXXX 's. I was XXXX young and stupid and let it go to collections those calls were coming to my parents house and my dad paid off the debt. I had to work that money off so I know he paid off the debt it was around {$300.00}. Never removed from my credit. Fast foward what seems l ike 10 years because i am not XXXX it is still on my credit. That right there is reason it shouldnt be on my credit report anymore. The limit is 7 years. So it should be cleared just because of that and it was paid ... I call XXXX/XXXX is what it is listed on my credit report as credit report number XXXX ( equifax ) to just pay whatever they say i owe, the lady refused any payment frusterated i hung up. I called yesterday to get my account numbers i could file a claim to equifax the new person then refuses to give it to me saying its on my credit report and they can comfirm the last 4 digits.. its not on my credit report but ok. I filed a disput with equifax and havent heard anything back. I dont know what they or XXXX wants me to do. At this point its completely unfair to be on my credit. It was already paid, it's almost over 10 years ago, I try to pay it they refuse, I try to get my account number they refuse what do you want me to do. I cant report anything to the Attorney general or other higher fraud places because they wont give me an account number. Can you please help me.
Complaint sub-issue: Received bad information about your loan

My daughter attended XXXX XXXX XXXX XXXX for only 1 year in XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, she returned back to New York due to physical health issues and stress. She has not returned to the school and officially left in XX/XX/XXXX. During the process of enrollment, it was understood that her loan which should belong to her and accepted the responsibility for it is under my name and I'm a senior. I no longer need any more schooling since I have a XXXX   In XXXX XXXX let alone one such as this one which costs more than I make a year. However, the estimates that XXXX are stating from XXXX are completely inaccurate and the information provided to them regarding Social Security numbers, birthdates, etc. are not correct and someone had been using my information to take out a loan to attend in XX/XX/XXXX for the Fall Semester when my daughter had not even returned to attend. I was also tricked by the school and XXXX into taking these loans for this school in which I was so robbed of XXXX dollars due to fraud committed by the school in regards to their housing situation which my daughter was almost homeless because of this. Since, then my credit has been getting damaged due to this loan which does not belong to me and prior to this my credit was fine and without issues. Now to even get in touch with these people are impossible since they don't really feel the need to help the people they are promptly ripping off with their outrageous loan estimates. Their customer service is the absolute worse and I've tried several times to get them to send me statements about what is owed, hard copy ones in the mail and I waited for a good month. Nothing! They don't send anything proving this debt or the extent of it for one. The other is when I called they had my SSI number attached to my daughter 's instead of hers which was a glaring error that led me to not only file a complaint with my New York State Attorney General, as well as seek legal counsel and contacted XXXX and XXXX to put my account on alert for fraud. I believe firmly that my personal information was misused to obtain these loans and get more money from the loan holder, XXXX. This company is a fraud and something has to be done about them because no matter what I try or do, they just won't cooperate. I report the fraud on the account and they continue to purpetrate it to the fullest extent which are similar tactics that XXXX XXXX XXXX did a decade ago before they got caught and had to pay restitution for it. They refuse to send statement in the mail ( and I don't mean emails ) I want hard copies, they refuse to help me in anyway and they don't care my well being. I want to get rid of this loan once and for all and most assuredly to another loan servicer that would most likely help me get out of it due to these legal issues. It is not right that a person of my age is in a position such as this and I do not deserve to be.