Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to sue you for very old debt

XXXX XXXX Pre-trial Center phone number:XXXX Called me on XX/XX/XXXX and notified me of an overdraft debt to Us Bank from XXXX. 
talked to a nice lady she notified me of the debt and I said I would call her back. I called Us bank imminently afterwards and they can not pull up the debt, and are not perusing the debt. I called the collection company back and request written notice of the debt and they gave me my address and the past 2 addresses I've lived at and said I have already been notified in the mail. ( Which I have not ). I  then asked for them to verify the debt with us bank and he basically refused. I also told him what us bank told me about not being able to access the account since its been 13 years. he went on a sepal about thats because the debt was sold. again i asked him to verify the debt he said he did not need to and that they will see me on Friday when they serve me for defrauding a financial institution. I again asked them to get a hold of us bank and he went on a tangent and i said Fine go ahead and sue me because in Ohio the statue of limitations on suing for debt is 6 Years he incorrectly said its 7 years. the debt is from 13 Years Ago! they did not even give me the amount owed.
Complaint sub-issue: Debt is not yours

In XX/XX/2020, I disputed a collection debt from IC Systems that appears on my credit reports with XXXX  and XXXX. Sadly, each credit reporting agency reported the result of their disputes was that they verified the debt as being mine and the collection would remain listed on each of my credit reports with XXXX  and XXXX. 
On XX/XX/2020, I called IC System to discuss the debt/collection they claim I owe, and I was told that the original claimant, XXXX had recalled their claim with IC System and that IC System had notified each credit reporting agency, XXXX  and XXXX  to remove the debt from my credit reports and that according to IC System records, the debt was to be removed from each report no later than Wednesday, XX/XX/2020. The collection/debt was removed from the XXXX  credit report as advised, however, XXXX  still had the false collection/debt appearing on my credit report and I am not allowed to dispute it again with XXXX  because I recently disputed it and they claim to have verified the debt. Id appreciate any assistance you may be able to provide in having XXXX  remove the false debt/collection with IC System for {$290.00}, as soon as possible as the decrease in my credit score is  hindering my ability to achieve an auto loan with a decent APR.
Complaint sub-issue: Information belongs to someone else

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

I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX # XXXX Date opened XX/XX/XXXX and XXXX XXXX  XXXX # XXXX opened was opened XX/XX/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 a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I checked on the website Equifax set up to determine whether or not my information was affected by the hack they recently disclosed. According to their website my information was impacted by the hack. I checked on XXXX/XXXX/2017.
Complaint sub-issue: Problem with customer service

In XX/XX/2018, I applied for a Total and Permanent Discharge due to being XXXX  XXXX. I returned my completed form and Nelnet ( the Federal Student Loan Servicer ) wrote me on XX/XX/2018 to inform me that my physician did not complete Question # 4 on the XXXX form. My physician completed Question # 4 and signed the form as requested on XX/XX/2018. On XX/XX/2018, I emailed the form back to Nelnet. Around XX/XX/2018, I received another written letter from Nelnet informing me that it had not received the updated information from my physician, which is untrue. I called Nelnet on or around XX/XX/2018 and spoke to a female representative who confirmed that my completed and updated form had been received but could not tell me the status of my account. I asked for my call to be escalated to a supervisor and spoke with XXXX. He informed me that all required information had been submitted and that he would escalated my case for a decision and call me back on Friday on XX/XX/2018. I never heard from XXXX. It is impossible to reach anyone at Nelnet who can give me an honest and reliable answer as to the status of my account. No one is able to explain why Nelnet keeps asking for information that it already has and why there has been a delay in processing my paperwork for the Student Loan Discharge to which I am eligible due to XXXX  XXXX.
Complaint sub-issue: Information belongs to someone else

I have a bankruptcy listed in my public records on my credit file that is not mine. It was either from someone with same name or fraudulent stolen information.
Complaint sub-issue: Other problem getting your report or credit score

I was denied insurance coverage based on information provided by XXXX XXXX. I was informed that I was entitled to receive a free copy of a consumer report from XXXX if I requested the report within 60 days of receipt of the credit denial. I requested a copy in writing on XXXX XXXX, 2017, 10 days after I received the denial letter ; from the agency listed on the denial letter, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. This request went unanswered.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE DISPUTED INFORMATION WITH EQUIFAX. THERE ARE ACCCOUNTS THAT I HAVE BEEN DISPUTING AND THEY STILL EXIST. OTHER BUREAU COULD NOT PROVIDE PROOF OF A CONTRACT FROM ME FROM THE CREDITOR WHO FURNISHED THE INFORMATION SO THEY DELETED IT ... BUT NOT EQUIFAX! I EVEN CALLED THEM AND ASKED THEY WHY HAVENT THEY REQUESTED AND RECEIVED PROOF, DOCUMENTS, CONTRACT ETC OF MINE FROM THE INFO PROVIDER AND THEY HAD NO EXPLANATION BUT TO OFFER TO DISPUTE AGAIN AND I GOT THE SAME RESULTS. THEY STILL NOT HAVE PROVIDED PROOF! 
AS required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. THEY WANT TO CONTINUE TO PLAY THIS GAME WITH ME SO I HAVE NOW TAKEN IT TO THIS LEVEL!
Complaint sub-issue: Privacy issues

My credit card purchase receipt from a vendor ( From : " XXXX XXXX XXXX via Square '' XXXX Date : XXXX XXXX, 2020 at XXXX CDT ) that uses Square was automatically sent by Square to my stepdaughter. My stepdaughter when questioning receipt of a transaction she never made spoke to me. I recognized the transaction as one I had made approximately - 2 hours earlier. My credit card acct. is through a credit union which she has no association with. The credit union has verified her non-association and opened an investigation. The receipt was sent to her email address which I dont even have, she lives out of state and her last name is not the same as mine. This straddles the line between credit card fraud, identity theft and a little illegal data mining thrown in. I have asked Square to explain this or send me a contact email or phone number so I can discuss this with them but have received absolutely no response from them.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported a Collection account in the amount of {$1100.00} showing past due as of XX/XX/2018 on my credit report. I disputed this account with the credit bureau and XXXX XXXX XXXX XXXX refuses to remove it from my credit report. I called XXXX XXXX XXXXXXXX XXXX to advise the debt belongs to my son at the same address however with a different social security number, I offered my my social security number or my son 's social security number for verification and they stated it wouldn't matter because they don't have a social security number on file to verify. My son 's age is XXXX and my age is XXXX with different social security numbers. I have no other information to give them for verification and really don't think I should have to waste more time on this. This is egregious and I want this debt removed from my credit report immediately.
Complaint sub-issue: Account status incorrect

The credit bureaus are reporting incorrect information on my account. They are reporting a XX/XX/19 late on XXXX XXXX. I have never been late and they need remove/fix the account.
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my credit report from XXXX and equifax and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!
Complaint sub-issue: Attempted to collect wrong amount

OMEGA company has give me a bad credit for two years. one payment was missed and with out telling me they ask for XXXX. for compensation for the loss. i found out this on a credit report.now in collection and/or write off. I would like this to stop
Complaint sub-issue: Information is missing that should be on the report

Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4 months now but nothing was helpful. Here is the situation : I opened my credit card at XXXX XXXX in XXXX and after 6 months of opening it I started to see my FICO score ( which was reported from XXXX ) on my XXXX XXXX profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my XXXX XXXX profile. After obtaining my ssn I also opened XXXX, Equifax, and XXXX accounts to see my credit score. However, neither of those agencies have my XXXX XXXX credit card on my profile. They only have one credit card from XXXX which was opened less than 6 months. XXXX  doesnt even show my credit score and says that I dont have one however I see my score on my XXXX XXXX profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling XXXX XXXX to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with XXXX XXXX and theres nothing they can do.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I attempted to make a charge on my Discover Card on XX/XX/XXXX for {$19.00}, and it was declined. I switched to another credit card and made the purchase. 

The item is still pending, so it is affecting my available credit. I understand that it will be cleared in a couple of days. The problem is that Discover Card removes my ability to see that the charge is still pending after it has been pending for three days, according to their phone CSR. They gave no valid reason for hiding this from me, only that is their " procedure '', which is clearly a nonanswer if I ever saw one. Can you tell me what regulation allows them to hide account information from me such as this?
Complaint sub-issue: Account status incorrect

I have a account listed on my credit report that is not accurate from OHIO DEPT OF HUMAN SERVICES # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review. I never received any response back for an account from XXXX XXXX XXXX # XXXX I have never ever done business with this company.
Complaint sub-issue: Debt is not yours

IQ DATA, a collection agency for XXXX XXXX XXXX has posted a debt collection entry on my credit bureau. 
I do NOT owe this debt! 
I was given a notice in XX/XX/2021 that my lease would not be renewed by the property management company so I moved out in XX/XX/2021 and they are charging me for a lease break fee since my lease initially ended in XXXX and also one months rent. I do NOT owe these funds and I would like this removed from my credit bureau reports.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/21 I mailed the paper request form from XXXX requesting my credit reports from Equifax, XXXX, and XXXX. I never received my Equifax report, and they have had sufficient time to get it to me ( more than 40 days ) even with mail delays during the pandemic. My paper request form was received by the processing center on or before XX/XX/21 as I received reports from XXXX  and XXXX, both dated that day. I have received NO communication from Equifax. 

On XX/XX/21 I called Equifax to try and get this resolved, but was unable to reach a live person.
Complaint sub-issue: Account status

XXXX XXXX XXXX collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on Equifax , no date on XXXX and XX/XX/XXXX on XXXX for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

The company has repeatedly ignored the issue of multiple complaints. See complaint IDs : XXXX XXXX XXXX XXXX XXXX The company was originally provided with all necessary information to verify that I am the account owner, but has refused to allow access to the account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Contacted Equifax regarding fraudulent inquiries that were placed on my credit report. Spoke to a representative about the removal of the inquiries but was told it was nothing they could do. I was told to contact the creditor. However, the creditor informed me to contact Equifax. Equifax later reported that they verified the inquiries as mines. Which is not true. Equifax has been dishonesty and not properly verifying information. 

The inquiries that were not authorized by me is : XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX inquiries ) XXXX XXXX /For, XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX  : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  - AUTO FINANCE : XX/XX/2021 XXXX  : XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX XXXX DEALER SERVICES : XX/XX/2021 XXXX XXXXL : XX/XX/2021
Complaint sub-issue: Personal information incorrect

So I have been in the process of obtaining a mortgage to purchase the home I currently live in at XXXX XXXX XXXX. For 3 weeks now now my mortgage broker has been unable to pull a credit score for me from Equifax ( despite having credit established for several years ). Calling Equifax and as told by my mortgage broker I likely had some incorrect personal information in my Equifax report, in order to clear that up I was told by Equifax to submit by facsimile a copy of my current drivers license and social security card. On XXXX XXXX I submitted the requested documents ( copy of ID and social security ) by fax, on XX/XX/XXXX I followed up on my submissions and called to confirm that has been received. I was told they were under heavy load and that documents could take up to a week to process, but could not be told if they were indeed received so I resubmitted the documents by fax on this date as well. I followed up again a week later on XX/XX/XXXX ( now almost 2 weeks from the first submission of these documents ). I was told the same thing and suggested that I mail in the documents ( not sure why that should be necessary or the corrective process be constrained to something so slow, especially when faxing was an option stated by Equifax representative for resolution ). On Sunday XX/XX/XXXXI faxed the documents again, hoping they would be less buried in submissions if sent on an off day. Following up today on XX/XX/XXXX I was told something worrying, that they could not pull a file on me and that perhaps my lending institutions had not submitted their reports to Equifax ( the other bureaus have my score, and no problems with access to my file ). Calling one of my lending institutions ( XXXX XXXX ) I was assured that these reports are submitted monthly. This information also worries me because I may not be able to request a credit report that does not exist this is costing me a great deal of time, and I would also like some advice, should I submit to Equifax the requested documents by mail? And should I initiate a request for me free credit report by mail from them? May that accelerate resolution of this issue? Equifax Customer support line is basically a brick wall, and there is no way to escalate the issue resolution to a level where a solution can take place.
Complaint sub-issue: Can't decrease my monthly payments

My balances keep increasing and I am on a IBR. I have yet to obtain employment in the field of study, and it is impossible for me to pay back those loans. They continue to raise my balance and it has affected my credit score severely! I am preparing to apply for another IBR, and I do not want my balances to continue increasing. I just can not afford it, I do n't know what to do. I can not afford to pay these loans.
Complaint sub-issue: Trouble with how payments are being handled

Hi, I 'm the co-signer for my brother 's student loan. We received the loan from XXXX, who ultimately handed processing over to American Education Services ( AES ). While XXXX was handling the loan we had no issues. They were very quick to reach out to me by phone whenever a payment was past its due date, and genuinely seemed concerned with us keeping our account in good standing. Once the loan was handed over to AES, however, the experience changed entirely. In short, its quite clear that AES ' main goal is to make it as difficult as possible for borrowers to make payments on time. For example, they stopped XXXX 's practice of calling to alert me of past due balances. Second, they make it extremely difficult to set up auto-pay by a. Requiring the borrower to APPLY for direct debit ( how this makes a shred of sense is absolutely beyond me ) and b. keeping the entire application and signup process entirely through the paper mail. This would have been understandable in the mid 1990s, but there is absolutely zero excuse for doing either of these things as a matter of business practice. It 's simply a thinly-veiled attempt to trip borrowers up, reduce the chances of payments being made on time and therefore increase the chances of collecting higher fees. It 's despicable and it needs to be addressed. Thank you for your consideration of this issue with AES, and I sincerely hope the CFPB is able to force these servicers to conduct business with basic standards of integrity.
Complaint sub-issue: Frequent or repeated calls

Conn 's continues to call my phone back to back after I gave an verbal request no to call me. They call ever hour two and three times an hour repeatly. I already had an issue last month where they submitted an unauthorized payment through my checking account, and at that I requested not to be called but they continue to call.