Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

I started this journey at the beginning of the year when I checked my credit and noticed an account from Jefferson Capital account number XXXX for {$580.00}. I originally contacted the credit bureaus to dispute the account due to the account not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listing as its suppose to be reporting 100 % accurately and asked for proof of verification received from Jefferson Capital and did not receive anything but a generic response with no proof. Afterwards I contacted Jefferson Capital directly on XX/XX/2019 via certified mail USPS #  XXXX delivered on XX/XX/2019 at XXXX XXXX and asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract and I never received a response and its still reporting on my credit which it shouldn't because no one seems to have the proper documentation and accounting so this should be removed as I am not responsible for this debt. I never received validation of the account nor any notice/statement from them stating they are trying to collect on an alleged debt.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Didn't receive services that were advertised

On XX/XX/XXXX, Equifax announced that over 140 million of their customers had had their personal and financial information stolen. They released a site which allowed you to check if you were one of those affected by this breach. Upon checking my status, Equifax informed me that my data was most likely compromised. This is a massive security failure by a company who 's primary service is to maintain and secure extremely important private information.
Complaint sub-issue: Information belongs to someone else

This complaint is concerning accounts Great Lakes is furnishing to the consumer reporting agencies. Please see the attached documents to view the specific details about this matter. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted this company on 3 different occasions requesting that they delete the a bankruptcy that they are inaccurately furnishing on my credit report. Despite my very specific request the company continually handles this matter grossly negligent. Besides the fact that this public record is not correct I contacted the Attorney General in reference to this matter and was advised that effective XXXX/XXXX/XXXX that because the large amount of errors that the consumer reporting agencies furnish in regards to public records that any record that does not have qualifying identifying information such as name, date of birth, social security number, and address must be deleted. I was also informed that a company called XXXX XXXX provides the inaccurate information and since then I have froze and suppress those records as its my right. The record that is being reported does not have any of the qualifying information. I was asked to provide a copy of my identification I did that over 2 months ago and to no avail has this matter been resolved. I am prepared to use all the correspondence I have attempting to resolve this matter and file a lawsuit. I will seek monetary damages in the maximum amount allowed by my state. This inaccurate record is causing an unnecessary hardship.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to Equifax reporting agency as well as XXXX XXXX reporting agency in regards to several inquiries that are Invalid. I have reached out to Equifax and successfully gotten these invalid increase delete it from my Credit report. Upon contacting Equifax and XXXX XXXX they consistently attest that these inquiries are accurate and will not be removed until said date.
Complaint sub-issue: Problem during payment process

I recently opened this XXXX XXXX XXXX credit card but had trouble making my first payments to the card. I was given incorrect or inaccurate instructions over the phone in regards to making my payment through my bank 's Bill Pay service. I kept asking multiple times if my payment was received, and all I was told to do was wait. By the time I realised what had happened, it was already late XXXX, and multiple payment deadlines had passed. When I called, I asked for a reversal of the late payment statuses and late fees due to this error. My understanding was that all the late fees would be reversed now that I had posted my full payment. However, this was not done, and right now my card is showing as having been late for XXXX months and it is ruining my credit.
Complaint sub-issue: Investigation took more than 30 days

Had a big problem with XXXX XXXX getting my payments to XXXX via Loancare during XXXX, but when my husband and I were going to refinance our newly built home, the finance company told us our credit rating had gone from XXXX to XXXX all because of late payment reporting by Loancare . The finance company told me that we had been late a few times in XXXX and had not paid the XXXX and XXXX payment in XXXX. I have proof which I will attach later that ALL payments were made on time to XXXX XXXX XXXX, in XXXX, NM but in XXXX there was two months that XXXX XXXX did not pay the payment to Loancare because they were buying out XXXX XXXX and XXXX XXXX did not pay the payments even though they had received the money.. Then The payments were sent to Loancare with the wrong account number a number of times and then in XXXX and XXXX of XXXX they sent the payments to XXXX in XXXX ( and they can not tell me why that happened ) Payments have been supposed to go to Loancare in CA all along. I dealt with XXXX XXXX for XXXX ( she was with XXXX XXXX and continued on with XXXX Escrow when they took over ) I had other problems with the Escrow company because they did not send me the distribution of money that I was supposed to get but finally gave up on that. Out credit rating is much more important. I want to pay off Loancare ( I have the money ) and get rid of my headache with them and the Escrow Company but need to clear up my credit first. If you check you will see that we have NEVER been below XXXX on our rating and pay all our bills on time or ahead of time. Can not even reach XXXX now and am talking with someone that is supposed to be a manager named XXXX at XXXX XXXX. I have even more emails and such if you need them. We have a gentleman by the name of XXXX XXXX XXXX XXXX that signed a Real Estate contract with us in XX/XX/XXXX to buy the house and the XXXX XXXX company ( Then ) would get their payment, send the payment to XXXX/Loancare and send us he difference. I have proof that XXXX has NEVER missed a payment and is ALWAYS on time. It is the Escrow company in XXXX that started to XXXX things up. In XXXX I was assured that they would never report any bad credit to the credit bureau when I found out what was happening. I just want our credit rating restored since we have NEVER been late on anything. Over the years I have made numerous calls to Loancare to explain what was happening but also had a hard time getting to a human person. Hours on the phone each time trying to get to a live person. The Escrow company as of yesterday had not even paid the two payments that they sent to XXXX in error according to LoanCare.
Complaint sub-issue: Old information reappears or never goes away

There are several student loan accounts on my Equifax report. I consolidated all of my student loans. No need to have several accounts on my report. Leave current one and remove the rest of all those accounts on my report!
Complaint sub-issue: Personal information incorrect

The addresses being reported on the consumer report is fraud and does not belong to the consumer. These addresses are shown to be connected to accounts the consumer is unaware of and did not authorize. It is against consumer rights to be reporting false information on a credit report. It has caused many problems and many denial of credit. XXXX, XXXX, and Equifax have been contacted 3 times and no change.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/2019 XXXX XXXX opened a credit card with Citi National Bank and forged my ( XXXX XXXX ) signature. I had no knowledge of the credit card card being opened until the bank asked me for payment. I never had a card in my possession. I believe that a former employee, named XXXX XXXX ( not sure of the spelling ), helped XXXX open the card. XXXX is a close friend of XXXXXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. I did not authorize the credit inquiry. 

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: Trouble with how payments are being handled

I repeatedly requested American Education Services ( AES ) to apply additional payment amounts to the principle and they refuse, always assigned the supplementary payment to " pay ahead '' status.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Frequent or repeated calls

I have an account with AllianceOne collection agency. I tried to contact them multiple times in XX/XX/2021 in regards to an upcoming payment I wanted to push back a few days until my next payday. When you call the number on the bill they provide it says you must leave a voicemail and someone would return the call. I left messages several days in a row, to no response. I then went on their website and filled out a " contact us '' form in hopes between leaving messages through voicemail and leaving messages online someone would contact me. Up til now I still have not received any type of correspondences from AllianceOne. My payment was still processed as normal via automatic payments although I requested via voicemail and online NOT to submit my payment. This month I received a letter from a different collection agency saying they are taking over the account so I've been again, trying to contact AllianceOne to ensure my automatic payments are stopped since I now have to set up arrangements with a new company. Same issue this month, no answer to the number on their bill, I again, submitted an online request for someone to contact me ( even selected they can contact me via e-mail and/or phone ). Still no response. The phone number on the bill they advise you to contact is XXXX. My attempts at reaching the company are as follows : XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I signed up for a savings account with Citi Bank under the premise that they will provide a promotional bonus of XXXX dollars upon my deposit of at least XXXX dollars and keep it in the account for 3 months. I met this requirement and it has been 7 months and I have not received any bonus amounts. I have reached out to Citi for this, and they are requesting a promotion disclosure document as evidence. I did not receive such a document as Citi had advertised this promotion to me on their " Offers For you '' section on their webpage. 

I feel very misled by Citi ; it is simply impractical to keep screenshots and documentation of my internet browsing history, just on the off-chance that a banking institution requests this proof to honor their explicit offer to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Complaint sub-issue: Old information reappears or never goes away

I have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Problem during payment process

When going to make a payment ... once again we are asked to update my email address and it will not accept it. I have linked accounts several times now over the last 10 months and it is getting tiresome when needing to pay account and forced to call them and pay that way. I have had this email the entire time I have had this Citibank Home Depot account. I have EXCELLENT payment history and this hindered multiple payments in a 30 day cycle. It truly feels like they are purposely making it harder to pay down promotional balances and avoid finance defered charges. I won a previous complaint when they improperly applied payments during a lockout situation last XXXX. I am having the exact issue again now with lock out from my on-line access. I have screen shot showing issue once again prohibiting me from access.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX 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: Received bad information about my loan

My loan lender is Nelnet. I am on an income based repayment plan which requires I pay 15 % of my discretionary income. Nelnet advised that if I received a change in pay that I should request a re-calculation of my income based repayment amount. I was paying about $ XXXX with my re-certification due in XX/XX/XXXX. I recently adjusted my XXXX, which resulted in less take home pay per month than what the $ XXXX was based off of. Based on Nelnet 's recommendation, in XX/XX/XXXX I requested a re-calculation of my IBR and sent in a my most recent paycheck ( which had significantly less take home pay than my previous IBR amount was based on ) and a signed document demonstrating my non-paycheck income, which was negligible. Despite having a significantly lower take home pay, when I received my re-calculated amount, I owed {$140.00} more per month. When I called Nelnet, they stated that when re-certification for IBR is based on a recent paycheck, then they calculate my discretionary income based on the total gross pay, before taxes and tax exempt deductions, not on my actual take-home pay. When I asked where this was explained to borrowers, they were unable to provide me where this was ever disclosed and could not explain where a borrower could find this information. They also could not explain why it was based on my gross take home, which guarantees that I 'll be paying far more than 15 % of my discretionary income, despite assurances that I would never pay more than 15 % of my discretionary income. Now, after requesting a lower amount based on a lower take-home pay, I end up owing {$140.00} per month more than I was paying before my requested re-calculation. I read all of the forms provided by Nelnet and nowhere does it say that re-calculations based on recent paychecks would be calculated on the gross pay. Calculating discretionary income this way does not make sense, especially keeping the purpose of IBR in mind. Had I known that Nelnet would have done this, I would not have re-certified my income until I was required to for the yearly requirement in XX/XX/XXXX. I will now have to pay an additional {$880.00} over the next 6 months that I would not have otherwise paid, all because Nelnet failed to disclose how it recalculates IBR payments and discretionary income when a borrower sends in a recent paycheck as evidence of current income. Nelnet not only failed to disclose this, but has been completely unable to show me any sort of confirmation that this is how re-calculations are supposed to be done. It seems that Nelnet is actively encouraging borrowers to request recalculations based on a borrowers ' take-home paycheck being lowered, only to increase the monthly amount owed by the borrower by re-calculating the monthly amount by using the gross paycheck amount instead of the take-home amount. This is very dishonest and will cost me {$880.00} over the next 6 months, in addition to the money it will cost an untold number of other borrowers they are doing this to. Nelnet should make this information available to borrowers ( if it is even legal for Nelnet do this ).
Complaint sub-issue: Problem with personal statement of dispute

XXXX fraudulently tried to charge for service after phones had been ported-out to XXXX XX/XX/XXXX, attached will be a 9 page narrative detail, including FCC   complaint, and XXXX acceptance of their error, however in the process they have falsely and maliciously filed 5 late payment claims to the lead credit reporting agencies. 

They refused my good faith payment via check, placing unacceptable hardship type demands to pay via forms untraceable such as money orders, and other off the books non traceable payments. These demands on me to pay by illicit means were not of a form that I could access from a Michigan based bank from out of state. 

In turn, after the initial letter, they did not communicate to me for six months, turning this over to a collections agency. I paid the bill as soon as I got the letter from the col-agency and the collection agency would take a credit card or bank check - those that XXXX was refusing to use as means of payment. 

I did not know of the damaging malicious actions XXXX were taking to my credit report  until XX/XX/XXXX. I called them Tuesday XX/XX/XXXX about this, and they refused to retract and expunge this from my report. Their arrogant and condescending intonation on the phone when I spoke to the representative is completely unacceptable, the FCC needs to fine XXXX, the employee of record as it was a recorded line, needs to be fired, employees retrained. Their approach to customers is completely unacceptable. 

Furthermore they have told me and the FCC a twisted version that the debt was still due but they failed to communicate that to me until I received a letter from a collections agency. 

So again, it is XXXX that failed to communicate their willingness to accept a XXXX XXXX   form of payment. The Collection agency managed that payment for them, however XXXX intentionally and maliciously has damaged my credit rating. XXXX initiated this entire event by illegally charging me for services not rendered. They have a special department dedicated to extracting payments for services not rendered, hoping consumers don't catch on, this is not an isolated practice, they need to be investigated by congress.
Complaint sub-issue: Attempted to collect wrong amount

ERC removed a debt for {$680.00} on my credit report and has now resubmitted it on XXXX XXXX XXXX. I have contacted them to let them know that this debt does not belong to me. They say that they are working with XXXX to collect this debt. They sent me a verification of the debt but did not provide me any documentations such as a signature showing that this is my debt. They are ruining my credit profile and I am currently trying to buy a house. This has been beyond belief and this item is damaging my reports.
Complaint sub-issue: Account information incorrect

On XX/XX/2018 fed lon serv is reporting my payment is late it was on forbearance. I talked to a manger of the company they insured me I do not owe right now. because it is on forbearance but will owe later when it comes of forbearance but it was still marked late. this is XXXX  me now because I am trying to get a mortgage
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.