Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/2022 XXXX XXXX XXXX contacted a relative of mine which is illegal regarding debt and telling them the amount i owe on it. it is said that they can not contact and tell anyone regarding this matter besides my spouse. I have also sent them a letter on XX/XX/2022 stating that to please to dispute the total amount owed on my account {$4300.00} and more. As well XXXX XXXX XXXX sent me a letter that said " if you write to us by XX/XX/2022 known as XX/XX/2022 we must stop collection on any amount you dispute until we send information that shows you owe the debt. However the credit card limit was {$4000.00} and I nearly have not spent that much money on it. 

In my first complaint I realized that I missed something and I could not edit or go back and edit this document. I nearly have not spent {$4000.00}.
Complaint sub-issue: Contacted you after you asked them to stop

I own a small business. I have an Electric Bill. This electric bill is collected by Ohio XXXX, but part of that bill is paid to XXXX as an energy provider. Ohio XXXX handles that part of it, I only pay Ohio XXXX. So I receive a phone call from Hunter-Warfield regarding an attempt to collect a debt. The message I receive is to call them back?? In order to stop these harassing phone calls during my business hours, I attempt to call Hunter-Warfield about this debt? They tell me that I have an outstanding balance from XX/XX/2015? 4 years ago?? And the debt is being collected for XXXX XXXX. Not once have I ever written a check or paid a utility serviced called XXXX! I have always paid Ohio XXXX, and I would assume Ohio XXXX then pays XXXX. Anyway .... not my problem, however it is my problem now because I have to stop what I'm doing in the middle of a business transaction, in the middle of talking to a customer, in the middle of any day to day operation to answer their harassing phone calls every day!! I should not have to put up with this!!! I asked them to send me proof of once, just one time, that my business paid XXXX XXXX. They couldn't. They cant provide a cancelled check or a past due bill. I believe it is a scam and I want their harassing phone calls to stop!!!! BTW ... Not one time has XXXX contacted me by phone or mail about this so called missed payment back in XX/XX/2015. Hmmm??
Complaint sub-issue: Debt was paid

The BAY AREA CREDIT SERVICE offered me a pay now at a discount offer last year. I paid the discounted price that day. They have now sent a number of bills for the remainder ( discounted ) amount. They were contacted by phone as well as mailed and emailed a copy of the discount agreement. We asked them to mark this as paid in full and to send a receipt within 60 days. It has now been 120 days and I have just received yet another bill.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXXXXXX 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: Problem with the interest rate

OnXX/XX/18, I applied for a student loan at XXXX. I was immediately approved, with a cosigner ( my brother ) at rates that varied between 7.8 % and 8.8, depending upon my repayment terms. 

I was told by my school, online websites, and the Consumer Financial Protection Bureau, to shop around and compare student loans, so over the next two days, I applied for 3 more student loans in order to compare rates with XXXX XXXX. 

When I realized that the original XXXX XXXX loan was the best rate, as compared to the comparing loans I applied for, and were approved for, I went back and completed the loan documents again at XXXX XXXX. My approved interest rate on the second XXXX XXXX application was 10.2 % to 11.2 %. 

When I called XXXX XXXX, and explained that I wanted to original interest rate I was quoted on XX/XX/XXXX, I was told that my " shopping around for the best rate '' actually impacted my, and my cosigners, credit score and I would not qualify for the original rate they offered me. 

None of my ( or my cosigner 's ) financial circumstances have changed in two days. I should be able to obtain the original loan terms that were offered to me. Students should not be told to shop for the best rate, when this practice will only increase their rate with every comparison.
Complaint sub-issue: Transaction was not authorized

Re : Merchant ID Numbers : XXXX, XXXX Elavon merchant services ( elavon.com ) owned by US Banks and affiliated with XXXX XXXX has been our credit card processor since XX/XX/2014. They have recently withdrawn a total of about {$140000.00} from two of my business accounts in one day. When we called them to question the activities, they gave us multiple reasons as to whey they can't release any information claiming that they are investigating our accounts and that it is with fraud prevention. They explained that we might get the money back in 90 days. Later, mentioned that IF we get the money back it won't be till 120 days. We are 100 % sure this is XXXX stealing from us because of their lack of information and false claims that " they are investigating. '' In addition there are hundreds if not thousands of ripoff reports online along with XXXX complaints, and similar consumers that resulted into lawsuits. 

We've called them over 10 times and can't get an answer from them. There seems to be a " Processing Representative '' who isn't releasing her last name claiming that she can't provide that information as it isn't relevant. We asked her for her email address to send her a log of all of our receipts and she advised that isn't going to change anything and refused to provide her email address. There seem to be four representatives in the processing dept. by the name of XXXX. We called XXXX 's main phone number and one for their reps gave us the name of XXXX XXXX which we are questioning is a real name. He seemed very nervous and stated " I'm just a rep I have nothing to do with this. '' We are a small family with a small business trying to make ends meet. We have XXXX kids and this is so much money. We are under a lot of distress and really need your help with this matter. I am at XXXX. 
Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened up - XXXX  Opened XX/XX/XXXX for {$210000.00} - XXXX  XXXX Opened XX/XX/XXXX for {$250.00} - XXXX  Opened XX/XX/XXXX for {$5100.00} - XXXX XXXX ( Original Creditor : XXXX XXXX  ) Opened XX/XX/XXXX for {$190.00} - XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Opened XX/XX/XXXX for {$680.00} - XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX {$3200.00} - XXXX  Opened XX/XX/XXXX for XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX for XXXX
Complaint sub-issue: Was not notified of investigation status or results

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Complaint sub-issue: Keep getting calls about your loan

I received a call from a company called Federal Student Debt Relief phone # XXXX, claiming to be with Fed Loan Servicing. They said I qualify for 70-80 % of my debt to be relieved. I asked what information they had about me, and his reply was everything from when you applied for the loan. I then asked what all that was. He gave me my maiden name, birthday, email, and current address, didnt say whether or not he had my SSN or IEN. He also asked about my school status and I replied with, if youre with Fed Loan Servicing you would know the status of my education. I really think this is a scammer, and am worried this company may have more of my information than they let on.
Complaint sub-issue: Fraudulent loan

I bought this car from XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, the car had too many problems to identify from a basic assessment without intense diagnostics. I have all paperwork came with & dealership maintained. XXXX XX/XX/XXXX XXXX seized take to XXXX XXXX XXXX, new engine rebuild & $ XXXX parts. 4 months to complete. Will attach all records. Car on the road only 3 months since ownership! 

Recently, after making last payment on XXXX XX/XX/XXXX, I was informed by XXXX XXXX of XXXX XXXX XXXX XXXX that my loan was purchased by Credit Quick of XXXX XXXX, NC. I immediately contacted XXXX XXXX through email, and given the number for XXXX at Credit Quick without a last name, which I specifically asked for this information!! She never called me back, but I got another call from another representative at Credit Quick, urging me to call them about their urgent matter! I conveyed to XXXX XXXX that I know Credit Quick is owned by XXXX XXXX XXXX XXXX, his fathers company, and he became defensive, asking me, who is this? My father recently passed away after ten years suffering with terminal XXXX XXXX, so I didnt have someone knowing more about cars than myself, and was taken advantage of in sales & financing! Since buying my auto loan from XXXX XXXX XXXX XXXX, I now have the initial loan + new loan doubling to {$37000.00}, according to my XXXX XXXX report. I have had XXXX this year & hospitalized twice for life threatening effects, plus quarantine times. This is a burden that I can not bear & must be stopped! These crooks must be stopped in their tracks!! 

Sincerely, XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX. XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 XXXX XXXX XXXX XXXX - FINAL PAYMENT {$6800.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these changes. I demand that the items be deleted as soon as possible, to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Complaint sub-issue: Investigation took more than 30 days

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Complaint sub-issue: Debt was paid

I paid this account and they reported multiple missed payments but havent reported paid account.
Complaint sub-issue: Transaction was not authorized

First, Bank of The West refuses to grandfather me into their " Free For Life '' account, I opened on XX/XX/XXXX, where the counterfeit check was paid. A new account was opened. 

Second, on XX/XX/XXXX XXXX XXXX wrote a counterfeit check to XXXX XXXX for {$1100.00} he used my routing number, account number but not my bank information instead he used " XXXX XXXX XXXX XXXX California CA. '' On XX/XX/XXXX, while reviewing my XX/XX/XXXX/XX/XX/XXXX bank statements, for a project, I stumbled upon this counterfeit check. I completed the banks fraud form but was informed my funds would not be refunded. 

I do not know these people however, once the suspects are found, I will press charges. Thank you.
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 USC 1681 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX ears 15 U.S.C. 1681S-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the I person knows or has reasonable cause to belleve that the intormation is inaccurate.
Complaint sub-issue: Account information incorrect

I have a XXXX account that Ive had since XXXX. I originally started with a fresh start program in which you can graduate to a regular card after a period of 6-9 months. Due to unforeseen out of my control issues I fell behind in XXXX and XXXX of XXXX. I called XXXX immediately addressing my concern and giving heads-up about my account. Since then Ive had clean on time payment history. I sent a goodwill letter early last year to have to late fees removed as a goodwill courtesy. And they were removed or my payment history status on my Credit report for XXXX, XXXX and Equifax. Or this changed on my report due to the age of the late payments. However, they are now back on my credit report. I shouldnt be held accountable for the late payments that occurred during the fresh start program. I would like XXXX to honor my goodwill letter and have the late payments removed from my credit report for XXXX, Equifax, and XXXX in which I know they have the ability to do so. All in regards to me not having any issues for the past 3 years.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX {$580.00}
Complaint sub-issue: Reporting company used your report improperly

XX/XX/22 I visited the XXXX car lot to lease a car, my mom was my co-signer. My mom and I ask the consumers not run our credit more than 3 times, ( We would goes elsewhere to lease an car ) if not approved. I wasnt approved with XXXX, a salesman referred me to another car lot by the name of XXXX. I applied with XXXX with my co-signer, my mom asked them not to run our credit more than 3 times. XXXX ran my credit 27 times. Ive spoken to company, I was told I would have to dispute/take matters in my own hands. XXXX ran my credit 10 times
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information, did n't notify me of their data breach, and now has cost me several hours, my money ( to freeze my credit reports ), and will continue to cost me money and time in the future to monitor my credit. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX/XXXX/XXXX I paid a collection account in full with the agency ( XXXX # XXXX XXXX. I faxed documentation in the form of a receipt on XXXX/XXXX/XXXX to XXXX in order to update my credit file. I was advised that the receipt and review would take 48-72 hours. Upon learning on XXXX/XXXX/XXXX that this information still was n't received or reviewed, I faxed it again on XXXX/XXXX/XXXX to the same fax # and to XXXX XXXX at XXXX. XXXX provided a formal paid in full letter on XXXX/XXXX/XXXX and I faxed this to the dispute fax # and XXXX XXXX on this same date. On XXXX/XXXX/XXXX my file was finally updated to a {$0.00} balance for the XXXX account but still indicated an open status. The rep advised that they would need to dispute this status and submitted it for investigation. On XXXX/XXXX/XXXX XXXX sent Equifax notification indicating that the account was indeed closed. On XXXX/XXXX/XXXX a supervisor, XXXX  ', indicated that they received the updated info on XXXX/XXXX/XXXX but that Equifax has 30 days to close an investigation. I asked how this makes sense when they have they have the documentation to update the status and he continued to parrot Equifax 's 30 day rule. He then cold transferred me to 'XXXX XXXX in Consumer Affairs who indicated the same thing and told me that 'I needed to wait '. I contacted a corporate switchboard operator that advised me to ask to speak to speak to a CA Manager and transferred me to the XXXX upon which time I asked to be transferred back to the U.S. I spoke with 'XXXX ' again who refused to transfer me to a Manager and stated, 'I 'm the highest level available '.
Complaint sub-issue: Debt is not mine

Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The above debt collector has called my countless times and is not sending letters to my home regarding a debt they claim is owed to a gym. I explained to this company this debt is not owed as I had a month-to-month membership which I cancelled in 2012. This debt collector is also unable to produce any evidence this debt is owed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The latest credit report I have is from XX/XX/XXXX, so if any more were added after that, they are fraudulent as well. 

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 EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES 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: Information belongs to someone else

There are several accounts on my credit report that aren't mine.
Complaint sub-issue: Information belongs to someone else

i have two items showing collection on my equifax report was due to identity theft they will not remove it after i show them my police report one was with XXXX XXXX for {$11000.00} and the other was with XXXX XXXX / XXXX for {$2600.00}
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These are inquiries that were not authorized showing on my report XXXX - XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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 reasonable cause to believe that the information is inaccurate.