Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with product or service terms changing

From XX/XX/XXXX until XX/XX/XXXX, I had been making regular, timely payments above the monthly limit, to this credit card account, effectively paying off the credit card in XX/XX/XXXX. I even had a credit from the company for overpaying in XX/XX/XXXX. 
On or about XX/XX/XXXX, I received a letter from " XXXX XXXX '' stating my account was " past due '' and " because of [ my ] payment history, we have reduced your credit limit to {$500.00}. '' I had a late payment for the month of XXXX, apparently. However, the suggestion that my payment history was anything other than exemplary was false and inflammatory. 

Further, the letter did not come from the company with whom I had the credit card, but rather from an anonymous-looking, and frankly, fraudulent-looking " Cardmember Service ''. In no place in the letter did it identify the company I had the card with, and only provided the last four digits of the card. The address of this " Cardmember Service '' did not even match the address of the credit card company to whom I send payments, further raising my suspicion about the legitimacy of the letter. 

My previous credit limit was {$24000.00}. By reducing my credit limit by {$23000.00}, Elan Financial Services effectively lowered my credit score from XXXX, an " Excellent '' rating to XXXX, a " Average '' rating. This extreme reduction in my credit score eliminated my ability to qualify for a competitive mortgage refinancing interest rate, thereby costing me thousands of dollars by eliminating my ability to apply for mortgage refinancing. 

I called the company on XX/XX/XXXX to inquire as to the reason for the extreme reduction of credit, to express my frustration with their action, explain the detrimental effects of their action, and request a reinstatement of my credit limit. The representative suggested I speak with their " consumer recovery '' department. When I was transferred to this department, my call was routed then back to start over at customer service. Their only response was to suggest I reapply for a credit increase. Such an action would reflect a hard check on my credit report and further diminish my credit score, so I firmly declined this action. 
On XX/XX/XXXX, I called again after my account being fully paid off to request a return of my original credit line, and they again said I would need to reapply for a credit increase. 
Due to their misleading, unjust and personally damaging actions, I promptly closed the credit card and will never do business again with any credit company affiliated with Elan Financial Services.
Complaint sub-issue: Problem with fees

Discover, without my authorization, signed me up for Payment Protection and have charged me over {$3200.00} since XXXX. I have asked to be refunded the full amount and they said they would only return the past six months. I struggle every month to pay my bills and they have taken advantage of me. I also know that there was a class action lawsuit which they admitted no wrongdoing. What concerns me is that Discover continued with the unauthorized program after they were caught.
Complaint sub-issue: Received bad information about your loan

XX/XX/XXXX. 

Background : I have two loans with Sallie Mae. 

They have two separate payment amounts, x and y. 

I am supposed to pay " x '' and " y '' amounts. 

X and Y add up to 1000 dollars. 

Issue : I accidentally payed the XXXX dollars to just " x '' instead of XXXX to " x '' and XXXX to " y ''. 

Their was no system in place to check that I made this mistake. 

Not only did I begin receiving robocalls about a missed payment, I was charged a late fee that I was unaware of. 

How does a XXXX XXXX company fail to disclose that? Should that not be boldly displayed on their website when you are making a payment? 

Today on XX/XX/2019, after 5 years of being with them, I was made aware of a 5 % fee of whatever the remaining balance is in 15 days. Another disclosure that I was not made aware of.
Complaint sub-issue: Information belongs to someone else

I have been disputing these 2 files for a while now and they keep coming back validated, but they have not provided me any proof of what they have to show how they keep validating the account. I filed a FTC report and everything. 
According to 15usc1681b no permission. I am the consumer and I control what is reported on the report. Fraudulently placing on the account is grounds for imprisonment and or {$1000.00} per violation. I will seek remedy for all violations on the account. 
Privacy law is also broken according to the privacy act of 1974 ( 5 USC 552a ) protects personal info by the FEDERAL GOVERNMENT preventing UNAUTHORIZED disclosures of info. Individuals have the right to review such info, request corrections, and be informed of disclosures.
Complaint sub-issue: Need information about your loan balance or loan terms

Hi have reached out multiple times to the school and loan services i have written two letters about my loan and I'm getting no help I never received my certificate from school or any help my school shut down with no noticed.
Complaint sub-issue: Information belongs to someone else

I applied for a credit card and was denied due to fraudulent accounts reported on my credit history! I would have never been aware of this unless I applied and I am shocked to have even seen such accounts and wonder what's the real process for this to have happened without my authorization or knowledge. I would like these accounts eliminated from my credit history before I seek legal action. I have no money nor time to waste on foolishness. I am irate and in disbelief that not once was this verified before being added to my credit report. Please remove these accounts as soon as possible so that I can build my credit.
Complaint sub-issue: Investigation took more than 30 days

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to   XXXX   requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.
Complaint sub-issue: Reporting company used your report improperly

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Complaint sub-issue: Account information incorrect

Auto loan with XXXX XXXX 2 late payments were reported on XX/XX/XXXX and XX/XX/XXXX I have reached out to all three credit bureaus to have late accounts updated to current with no late payment due to COVID-19 related issue with no success.
Complaint sub-issue: Debt is not yours

In 2018 I received an invoice from Jefferson Capital for {$1100.00}. This invoice has no explanation or statement. I tried for 3 years to get what this bill was in reference. Jefferson finally sent the original invoice. It's for XXXX. 
My name is misspelled on the invoice and its from an address I do not live. I am currently a XXXX customer in good standing under my real name and correct address.
Complaint sub-issue: Problem getting your free annual credit report

I am having issues accessing the site to receive my XXXX XXXX and XXXX Credit reports. I have been trying to get my report from the site and I keep getting kicked out.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

As the uploaded image shows, I keep receiving letters from Equifax Consumer Services LLC addressed to multiple names which are not mine. To the best of my knowledge, I have had only one name since the day my parents named me at birth, it is XXXX XXXX XXXX XXXX. This is the name on my Driver License, passport, social security card, and other government identification documents. 

I have been returning these letters without opening them and have stated that I view them as a form of harassment. If those representing Equifax Consumer Services LLC intend to send me any communications they ought to use my name. 

I will restate, I view these letters sent by those representing Equifax Consumer Services LLC as a form of harassment and request that they stop sending such letters to my residence. 

Thank you.
Complaint sub-issue: Reinserted previously deleted info

i applied for XXXX personal loans on XX/XX/XXXX it is saying that i have XXXX inquiries thats not right
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax as they said that an account that I allegedly had with XXXX  XXXX XXXX account number XXXX was been reported accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and requested of them there method of verification. They got that request on XX/XX/2021. The law states that the credit bureau should provide a copy of there method of verification within 15days of the request been made. If the company fails to abide by these guidelines then its a FCRA violation and the credit bureau should delete the disputed account from the credit profile immediately. Today is XX/XX/2021 and the credit bureau has not sent me there method of verification or deleted XXXX  XXXX XXXX from my credit profile. 
Under the Fair Credit Reporting Act if an item is unverifiable or if the credit bureau is unable to provide the method of verification then the item should be deleted from the credit report immediately as there is no way to prove if the credit bureau did any investigation in the matter. This credit bureau has failed to abide by the law and obey the dictates of the Fair Credit reporting Act. An investigation is more than say it is accurate or just running it through the E-Oscar system. The request for the method of verification was sent by certified mail and I got a receipt from the postal service saying that Equifax got my request.
Complaint sub-issue: Their investigation did not fix an error on your report

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. I demand that these inquiries, collections, and accounts be removed from my credit profile immediately. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} Account Number : XXXX Delete from my credit report. XXXX XXXX XXXX - {$0.00} Account Number : XXXX Delete from my credit report. XXXX - XXXX XXXX XXXX XXXX {$490.00} Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

hunter Warfield has been damaging my credit and ive asked them recently to send me verfication of this apartment being mine and they have yet to respond since XX/XX/2018 and this has been affecting my credit for five years and no understanding or removing of this negative mark on my credit.
Complaint sub-issue: Account status incorrect

XXXX XXXX graduate of XXXX  I borrowed {$17000.00} for XXXX degree. XXXX I entered graduate school and borrowed {$4000.00}. Totaling {$22000.00} for both. In XXXX I paying XXXX per month for both loans until XXXX. 

XXXX I called XXXX XXXX and requested lower payment because I purchased my home and could not afford student and mortgage payment. They obliged me without a problem. However, all the previous payment never reflect my account. I was told after 10 years of paying XXXX my loan would be paid in full. 

XXXX none of my payment were applied to the principle. As a young adult, I was unaware that I was starting over as if I never paid a dime. XXXX I paid religiously. Needless to say I defaulted on my loans Today Im paying XXXX for XXXX for half of my loan but the other half still remain with XXXX ; I requested my entire account be transferred so I could begin making payments .However,  XXXX has never release my loan payment to XXXX XXXX Instead, I have two accounts under one consolidation. Therefore all the reporting is inaccurate. 
Currently I am in repayment of my loan. However XXXX is still sending me threatening letters. How do end the XXXX Nightmare.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The bank I am complaining about is the Bank of the West. I started a balance transfer which has very high interest and fees to another credit card account with an amount of {$3900.00}. 
I was promised by the bank that the transfer will take XXXX weeks to be completed ; however, it has been over XXXX weeks and the bank is not responding to my disputes, emails, phone calls, online massaging. The bank also didn't refund the check, fees, and interest associated with the transaction. What is making things bad is that I am not able to reach out to anyone from the bank to resolve the issue.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXXwhen the 4 accounts and address were first discovered an updated FTC identity report, police report and proof of identity was sent to Equifax and they refused to acknowledge that I had a credit file even with the copy that was sent to them and then says that they have verified the information as my information even though the accounts were opened as fraud. 
In XX/XX/XXXXto present I have been contacting Equifax in regards to these accounts and each time Equifax send me an email with a link that I can not open with title stating information verified. I have repeatedly called and written every month to Equifax with a copy of my police report, ftc identity theft report, proof of my identity ; Equifax is verifying with the creditor whom I have also repeatedly notified that the accounts were opened fraudgently and to close them basic information that was used illegally such as my name, social security number and a address I never lived at. 
Equifax also acknowledged that my personal information was part of their breach in XX/XX/XXXXand XX/XX/XXXXand tried to sell me a protection plan but refuses to remove unauthorized illegal accounts from my report ( fraud ). To add insult to injury my personal file has been blocked from me or other creditors being able to view it.
Complaint sub-issue: Reporting company used your report improperly

I am potentially affected by the recent security breach of Equifax.
Complaint sub-issue: Fee problem

In XX/XX/XXXX, I left XXXX so my XXXX provider Optum Financial started to charge me Connect Your Care ( CYC ) Stand Alone Fee, which I was notified about. Starting XX/XX/XXXX, because something happened between CYC and Optum Financial, Optum stopped charging me CYC Stand Alone Fees, XXXX dollars per month. But this XXXX Optum Financial started charging me CYC Stand Alone Fee again without notifying me or updating the agreement. Starting XX/XX/XXXX I was also charged XXXX management fees XXXX dollars per month without being notified. I called them on XX/XX/XXXX, they just told me to refer to the FAQ rather than showing me supporting documents that state the charges are legal.
Complaint sub-issue: Was not notified of investigation status or results

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 informationisinaccurate.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX is reporting to Equifax that this account is missing payments when this account is closed and paid in full. XXXX XXXX is repeatedly reporting fraudulent report and XXXX  XXXX  is fraudulent reporting the. This is repeatedly a problem.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$490.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX XXXX : {$340.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment needs to be updated on all 3 reports consistently.
Complaint sub-issue: Information belongs to someone else

I am a victim of fraud. A scam likely number called my phone informing me that I was approved for a loan and proceeded to get my information under false pretenses.The opened fraudulent accounts for XXXX XXXX, XXXX, and XXXX using a fraudulent address which I have never lived at. I have made numerous attempts to contact the company. XXXX XXXXXXXX, XXXX, and XXXX have not been able to verify the information according to the law and equifax, XXXX, and XXXX  have not deleted the unverified and fraudulent accounts off of my credit report. A fair resolution would be to have these fraudulent accounts deleted off my credit report permanently.
Complaint sub-issue: Information belongs to someone else

Hello, I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize compliance in this investigation. I have also mailed all respective CRAs with my notarized identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept. of Ed/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I have gotten harassing phone calls for the last two weeks regarding a supposed debt that I have with  XXXX   XXXX , this was resolved with  XXXX   XXXX  approximately  XXXX  years ago. Now myself as well as family members, are receiving harassing phone calls and voicemails regarding this supposed debt. The supposed law firm that keeps calling is  XXXX  and  XXXX  in  XXXX  California. The gentleman told me that this is an amount of {$1700.00}. They told me that they sent a letter to my home address ( of which I never received ), and now are going to garnish my wages through my employer. The phone number they told me to call is  XXXX . The reference number I have been given is  XXXX . I want to get this resolved, however I do no owe this money.
Complaint sub-issue: Problem getting my free annual report

the site keeps saying my ssn doesnt match
Complaint sub-issue: Debt was result of identity theft

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$5700.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX  credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXXXXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXX  credit limit XXXX have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.