Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees charged

Hi yes I tried contacting ally corporate about seeing if I can get 2more months extension on my XXXX XXXX XXXX. They did give me already 2prior exstentions due too financial hardship with medical bills etc. I'm hoping I can get XXXX and XXXX exstentions without the up front fees. Last exstentions they waived the up front fee because can't afford the feds. Hoping too get 2more exstentions without up front fees. The person I talked too last time told me he would check with dept manager. The manager approved my exstentions without up front fees. Manger sent me letter in mail for me too sighn which I did at that time. I should be all caught up on bills by XX/XX/XXXX. I also was diagnosed with XXXX. I'm on XXXX just going thru hardship right now. Living paycheck too paycheck. As it stands right now can't make XXXX and XXXX payment due too hardship. Again I tried calling corporate 2times no call back.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied to XXXX XXXX XX/XX/XXXX. Subsequent inquiries that followed I didn't not authorize are : XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Three inqueries not authorized. Next, I applied to XXXX XXXX XXXX XXXX, XXXX. The following inquiries not authorized : University XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Two inquiries not authorized. Next I applied to XXXX XXXX XX/XX/XXXX. Subsequent inquiries I did not authorize. XXXX XXXX, XX/XX/XXXX. University XXXX XXXX, XXXX XXXX, XX/XX/XXXX. Thre inquiries not authorized. Total inquiries not authorized are 8. These were not explained to me and I had not been informed these would be on my report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct #, XXXX ; XXXX XXXX XXXX Acct XXXX, XXXX ; XXXX Card Acct #, XXXX ; XXXX Card Acct # XXXX ; XXXX XXXX, Acct # XXXX ; XXXX, Acct # 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I'm contacting you about the credit reporting agency : LexisNexis XXXX  XXXX XXXX. XXXX XXXX XXXX, GA XXXX. The agency have reported the bankruptcy on my credit report which was not validated through the bankruptcy court itself. I've received a letter that the bankruptcy court has not and does not validate bankruptcies. I've ask them for a letter to verify this bankruptcy. I was not provided with one. 
Report Date : XX/XX/2020 XXXX
Complaint sub-issue: Problem during payment process

i attempted to pay my bill online and was unable to do so. when i contacted the company they said my account had a " temporary restriction to protect my account ''. When i ask why, they are unable to explain what threat they are trying to address. i have had to speak to multiple people, all of whom i are requesting my confidential information. i am concerned that my account was compromised and as a result i am being treated in the same manner as if a fraud occurred.
Complaint sub-issue: Account information incorrect

I had equifax remove a fraudulent collection about a month ago, and I noticed that they were reporting an account as open that has been paid in full about 2 years ago. Instead of removing the fraudulent report, they dropped my.credit score 58 points. Also, I have never received payment for the lawsuit that they sold 47 million people 's personal information on 2017. They are also showing a fraudulent medical bill on my credit report. It is my understanding that this type of bill would be part of my medical records and they have broken the law by accessing my medical records.
Complaint sub-issue: Debt is not yours

I am filing this complaint because CKS Financial has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I challenged the credit bureaus to provide me with written documentation on the process on which they verified a bankruptcy that is listed on my credit report. I never got a letter back from these request and I submitted these requests back on XX/XX/2020. Then the credit bureaus only send me an email stating the information was verified but nothing was provided to me as I requested. I am trying to find out if they are metro 2 compliant and if they are not the information needs to be removed from my credit report immediately.
Complaint sub-issue: Problem with personal statement of dispute

Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you
Complaint sub-issue: Debt was result of identity theft

On XX/XX/22 and XX/XX/22 I sent letters to XXXX, XXXX, XXXX and Discover credit card requesting verification of this debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received any documentation.
Complaint sub-issue: Investigation took more than 30 days

I mailed letters via certified mail requesting that the company verify the alleged debt and show proof if the debt was verified that the account was legitimately mine. The tracking from the first set of letters show they were delivered on XX/XX/2020 and the follow up letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any verifiable proofs that the accounts are mine nor have I received any letters stating the investigations were even started nor completed. The accounts do not show to be in dispute status either. Per the FCRA, 30 days is the time limit the bureaus have to complete their investigations, I have been more than patient due to the global pandemic but over 200 days and no results is wearing that patience thin. Should this continue, legal actions will be my next step against the bureau.
Complaint sub-issue: Confusing or misleading advertising about the credit card

In 2005, I opened a Best Buy credit card and purchased a computer. I remember it well, as it was my first credit card and a very large purchase at the time. I was careful to review everything I was signing. However, I recently learned that, at that time, a monthly recurring charge was added to my account. I never authorized or wanted this " debt protection '' service, as I already have insurance. Nevertheless, I have been charged every month for the past 14 years. When I learned about it, I called, cancelled, and disputed the charges. However, Best Buy reviewed my account and determined that I had signed up for the service at the time of my purchase and have had the coverage since. So, according to them, I legitimately signed up and they will not refund my money. I now believe that the employee at Best Buy who sold me the computer may have used my information to purchase the debt protection in order to receive a bonus or something like that. I can only say that I am certain I did not.
Complaint sub-issue: Their investigation did not fix an error on your report

We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment. 

Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. 

We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. 

This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. 

We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
They should begin to rectify this heinous breach by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident, regardless of their " judgment '' of who to contact.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Complaint sub-issue: Can't temporarily postpone payments

My school, XXXX XXXX XXXX of XXXX XXXX, Tx filed for bankruptcy after going to court for an abrupt closure due to mishandling of student funds. Court is in process for the school closure. But due to this I have been left with a loan on my name that I need help clearing.
Complaint sub-issue: Account status incorrect

While I was studying abroad in XXXX ( about a month after graduating ), Nelnet stated that I made a late payment. The entire time I was in XXXX, which was for over 1 year I never received any information regarding the loan nor payments. I was unable to see any mail sent to my house as I was abroad. Before I left for XXXX, there was no communication between Nelnet and myself. I never received any form of communication from them telling me I was going to have to pay soon. I also have loans with XXXX XXXX, a private lender, and was paying on those while in XXXX. Had I known about Nelnet loans, I obviously would have paid them in a timely manner. I have provided proof of my time in XXXX and they have consistently denied my requests to fix my credit report or even negotiate with me. Upon returning to the US in XX/XX/2017, I checked my mail and saw the letters from Nelnet. I immediately called and started a payment plan with them. I have never been late on any payment. They have marked my credit score with 9 late payments ( 1 for each loan ). This is creating havoc in my life and is forcing me to find cosigners for each and every major purchase needed. I have been denied by various credit advantages due to this incorrect information on my credit report. All I am asking if for someone to try and understand my situation. This is making my life very difficult when it should not be.
Complaint sub-issue: Information belongs to someone else

I never made this accounts i have 2 fraud opening accounts under this company name Upgrade Inc. I have called them and put a investigation to have this resolved. 

First account fraud made Account info Account name UPGRADE INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$3800.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Credit limit {$4000.00} Highest balance {$3800.00} Terms 1 Months Second Fraud account activity on my credit report Account info Account name UPGRADE INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$3800.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Credit limit {$4000.00} Highest balance {$3800.00} Terms 1 Months
Complaint sub-issue: Debt is not yours

I opened an account with XXXX XXXX XXXX to connect a land phone line at the home I leased XXXX XXXX 2014. XXXX XXXX XXXX  later called me and told me they could n't connect the service since homeowner had another phone line connected at the same address. Homeowners did n't want to disconnect their service so I hired XXXX ( internet phone line ) to connect service. 
Today checking my credit score I noticed a collection from a company called IC Systems from this account that was never connected, so from a service that I never received!
Complaint sub-issue: Account information incorrect

I am an authorized user for a USBank credit card. They took my social security number when I was added to the account, although I'm not financially liable for the account. USBank is reporting to the three credit bureaus and this is negatively impacting my credit. I was recently declined for a credit card as a result. The only credit card I have a high balance on is this card and my denial letter stated, " The number of credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months as indicated in your credit report. The balances on your credit card accounts are high in relation to their credit limits, as reflected in your credit report. ''
Complaint sub-issue: Their investigation did not fix an error on your report

My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION,  and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.
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. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX Date XXXX. XXXX, XXXX ; 2. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 3. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 5. XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ;
Complaint sub-issue: Can't close your account

Had XXXX XXXX  in my account and cashed a check to pay phone bill. Let them know I did not use this account anymore and wanted to close it on XX/XX/2019 at XXXX XXXX PNC Bank. Let them know I didnt need it because I am a student and still dont have a job with incoming income. They tried to get me to sit down and sign up a free student account but I did not need it because I have a school account. I called today both branch and corporate only to find out my account was not closed and had encountered two service charges putting me negative. I started this account thru a construction job that paid XXXX XXXX an hr XXXX a moth deposit. A woman hit me with her car after a year and took me out of work for a year. I had no income and wasnt being charged a service fee ever. I could never go back to swinging a hammer because of my back but am in school at the college of XXXX XXXX  as we speak full time. I am a XXXX yr old with XXXX XXXX yr old and a spouse who is XXXX with my XXXX child. We receive XXXX XXXX a month in food stamps and have no income coming in at least until I graduate. I plan on going XXXX in the XXXX XXXX for construction management. This is just a temporary bump in the road and I thought this would be the best way to get my case officially recorded. 

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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is from a previous complaint, which was escalated to the Federal Reserve on the acct, XXXX XXXX XXXX XXXX XXXX XXXX, showing on my credit report. It was resolved via the Federal Reserve,  however Equifax is continuing to show this account after XXXX XXXX XXXX XXXX XXXX conceded and told the Federal Reserve that an ( AUD ) Automated Universal Data form would be sent to the 3 CB 's. Well, both XXXX and XXXX have already deleted/removed the account, but Equifax has not. I spoke to an Equifax customer service representative last week and was told that they had not received the form. I reached out to the Federal Reserve agent and she told me that XXXX XXXX XXXX indeed sent the AUD. It is my contention that Equifax is ignoring the request to have the account deleted from my report. I believe the AUD went out to all 3 at the same time, therefore Equifax should 've already deleted the account. ( I am attaching a copy of the letter from the Federal Reserve for your review )
Complaint sub-issue: Their investigation did not fix an error on your report

I received your response Last XX/XX/2022 that you Close the COMPLAINT # that I sent on XX/XX/2022 to Investigate the Erroneous Accounts : XXXX XXXX XXXX that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Complaint sub-issue: Debt is not yours

I just received a random Garnishment on my new personal bank account. 
I did research and found out it's from a debt im unaware from XXXX ( XXXX XXXX XXXX  ). 
The debt was garnished by a company named Rausch & Sturm/ XXXX XXXX XXXX 

I have no knowledge of this debt which is from 2009 when I was XXXX XXXX  of age with no apt/home in XXXX.
Complaint sub-issue: Other problem

I had a payment card processing account with Square Inc.. On XX/XX/XXXX they sent me an email stating my account was deactivated and I would receive my funds within two business days of XX/XX/XXXX. On XX/XX/XXXX they sent me another email stating " Due to the recent chargebacks on your account, any funds currently in your Square account will be held for an additional 10 days. '' However I have not had a single chargeback on my account. I waited the 10 days anyway and still couldn't withdraw my money so after contacting support multiple times which their customer service is geared so they can steal people 's money. Everytime you contact them they tell you that the team that can release your funds only communicates by email so sit and wait for an email which never comes. It's literally impossible to speak to anyone who has the power to release your funds. So, Finally on XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX  In retaliation to me filing a complaint a " manager '' from Square named XXXX stating that my funds would be held indefiinitely. Which to me means this is basically a criminal organization that steals money from small business owners. The payments weren't paid to Square customers paid with credit and debit cards with the expecation that I was getting paid for services rendered. Square has no right or reason to just keep my money and I want my money because its not THEIR money its MY money! I'm attaching pdf copies of all the emails I've mentioned as well as a screenshot showing that I have no disputes and my balance.