Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

I had a debt with this collections attorneys office for 6 years, I 've paid regularly monthly. I have even made lump sum payments on this medical debt. Last month I received a call that my card had expired that they charge monthly. I gave her the updated card information and while on the phone with her asked what we could settle my debt for and get this all cleaned up. She said she would check and call me back. I recieved a call offering to settle for XXXX now and XXXX next month. I told her I would have to think about that. 2 Weeks later my employer gets a letter that they were garnishing my wages. I had paid on this debt with them for 6 years and then they said I was not paying it and added fees and interest, and more attorneys fees. I never canceled or defaulted on my obligations to pay them, its not fair of them to do that when we had an agreement. Why would I call and update my card information if I wanted to cancel paying? This is just a scam for them to get more money and is not right. When I called to say hey what the heck, they said you need to go ahead and settle now for XXXX more than what it was last month or now that we have the garnishment it is really going to affect your credit. I am so furious with this company, I have done my best to work with them to pay a medical debt and they are treating me like a criminal with no rights.
Complaint sub-issue: Public record information inaccurate

I have disputed information with a third party reporting agency lexis nexis that was not able to verify or validate public records information. The company removed most of the unverified information in XXXX on my consumer report but not with the bureaus. As investigations continued none of the reported information could be verified and it was completely removed from my consumer report. The company has sent me proof of the removal but has not removed the information from the bureaus even after multiple disputes surpassing the 30 day investigation time. I have tried on numerous occasions to contact lexis nexis to get a resolution from the manual disputes they entered to the bureaus via electronic reporting but, always placed on a dead hold for an extended amount of time with no person on the line but call still intacted.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The accounts that does not belong to me, are constantly reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off : XXXX XXXX - Balance : {$450.00} XXXX XXXXXXXXXXXXXXXXX XXXX Balance : {$11000.00} Collection : XXXX - Balance : {$450.00} XXXX XXXX XXXX - Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX - Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX SERVICES XXXX ) XXXX - Balance : {$300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX - Balance : {$120.00} ( Original Creditor : XXXX ) XXXX - Balance : {$25.00} ( Original Creditor : XXXX  ) XXXX - Balance : {$25.00} ( Original Creditor : XXXX ) XXXX - Balance : {$25.00}
Complaint sub-issue: Information belongs to someone else

Mortgage from XXXX XXXX was opened in 2002 under my name. I fought for a long time to get it removed, however I no longer have the police reports. 

It looks like whomever stole my social security number has been making payments this entire time, which is why I never noticed it. I should have been looking at my credit reports yearly, but it was never an issue until I looked at buying a house. 

I've tried reaching out to XXXX XXXX but have gotten nowhere. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX This mortgage is not being reported on either of the other two credit reporting agencies, so I assume back when this first happened, the other two actually removed it, as this is only showing up on the Equifax report.
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. 

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 Section 604A Section2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, I am a victim of Identity Theft. I've contacted XXXX, XXXX and Equifax to remove all unauthorized inquiries that are listed below. 

XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I defaulted on my student loans, but paid them off with the Department of Education in XXXX. 

As a side note, after I paid the balance showed as owed, I had to go back and pay 3 more times, because they kept charging more money. The final payment I made was this month in the amount of {$1.00} to make sure it was paid as they added another charge for less than a dollar.

There are now 4 references to the same loan. I tried to get the XXXX and XXXX accounts removed as duplicates and I can not get the credit bureaus to delete them to reflect only 2 accounts with the Department of Education.

The duplicated accounts have dragged my scores down much further than they should and because of this we are stuck living in a hotel with XXXX  young children because we can not qualify to rent anywhere or get a mortgage.

I paid to these, they should only be referenced for the paid accounts. I need them to remove these duplicates immediately.

This is double damage/double jeopardy and I should not have to pay an agency to fix this, they should remove it to reflect only the 1 debt, not multiple.
Complaint sub-issue: Don't want a card provided by your employer or the government

This card was a unrequested/presumed fraudulent debit card - Reliacard - sent out by USBank, in my name, to my address with a different DOB than mine. 

Cardholder services were contacted - they said they closed the card and recommended that I contact Ohio unemployment services - which I tried SEVERAL TIMES - they were never available, or able to assist with documenting the error/fraud- just overwhelmed by COVID related claims. 

Just concerned that the information was obtained/sent in the first place
Complaint sub-issue: Account information incorrect

I have been trying to resolve these issues with XXXX XXXX from XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, XXXX XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX Financing which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled
Complaint sub-issue: Information belongs to someone else

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

Repeated calls from telephone numbers XXXX, XXXX, and XXXX. These are Virginia telephone numbers. They never leave a message. I have no dealings with anyone or any company in Virginia. My phone blocks the calls and lists them as " Fraud Risks ''. The XXXX number called me ten times on XX/XX/2022, the XXXX called seven times on XX/XX/2022 and the XXXX called 8 times on Saturday, XX/XX/2022. The XXXX number has called once today, XX/XX/2022.
Complaint sub-issue: Received bad information about your loan

I was in deferment since I was attending classes as a XXXX XXXX XXXX untill XX/XX/XXXX when the deferment period of the loan ran out with AES. Since I was still attending classes I did not receive any messages about this since I had no idea to log into the account. They finally reached me in mid XX/XX/XXXX and told me the situation and that they would mail and email me the form to fill out. Since my printer was broken I waited for the mailed copy but it never arrived. I printed it out and mailed it mid XX/XX/XXXX and they received it XX/XX/XXXX. XX/XX/XXXX they defaulted the loan to XXXX  XXXX and informed me I needed to speak to them. I spoke to XXXX and they kept saying I needed to speak to AES about the loan until someone at XXXX said they will speak to their manager who said they would contact AES. I never heard back from XXXX or received a voicemail from a number identifying them as XXXX. Starting in late XXXX early XX/XX/XXXX started receiving calls from debt collectors on the loans since it went to two different companies, one loan for XXXX and the other one for XXXX. Called AES and they say their is nothing they can do since it was a private loan and that the form I filled out from the message they sent was the wrong one. Called XXXX as well and they won't do anything as well.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I went to XXXX XXXX and XXXX XXXX XXXXXXXX and they promise job placement and I never got or job
Complaint sub-issue: Reporting company used your report improperly

LexisNexis is illegally reporting my chapter XXXX bankruptcy to credit bureaus. I filed my bankruptcy with XXXX County Court. They did not give LexisNexis permission to report to the bureaus, nor did they provide them with this information. Also, LexisNexis cant provide me with proof that the courts provided them this information.
Complaint sub-issue: Billing problem

the dates XX/XX/XXXX thru XX/XX/XXXX amounts up to 3000 in interest and extra fees i reached out to the bank of ozarks in regards to a late payment and extra fees. ( there is a time period for payments to be made in a month ) i spoke with the manager and they said for one time they can forgive/waive the late payment. ok i made a payment within the next time period. i get a notice saying i had a past due amount. i call the bank and asked them about the past due amount. they acknowledged an error and said everything would be corrected. 
i then get a 60 day past due notice. with fees and extra interest fees. this was around XX/XX/XXXX. i requested to speak with a manager again and explain the mixup and problem. we also discussed the problem it would cause my credit. they assured me it would be corrected. 
i told the bank i was disappointed with the bad service and accounting errors. i expressed to them that i would like my account to be reviewed, frozen, etc. 
i have tried to communicate with this company many times but the service is bad and their communication is worse. 
i think the company need to get their license revoked. this was by far the worst bank i have done business with.
Complaint sub-issue: Received bad information about your loan

The letter Great Lakes provided in claims XXXX. XXXX stated I attended the institution of XXXX XXXX college but they did not admit to the institution in question who committed the fraud which was the XXXX institution of XXXX XXXX, Nevada. I can not prove I attended this institution with school documentation because I did not attend this institution!!! My loan service through Dept of Education named Great Lakes Borrower claimed to have done there own investigation on the Institution in question. The claim they presented they opposed investigation claim they found to be true, was in fact inaccurate!!! XXXX XXXX college orchestrated the FRAUD through another institution. As a result the school has been closed, if the Department of Education knows this why are they still trying to hold me accountable for fraud one of their employees committed??? Did this person get jail time? There response does not justify this claim as resolved, there response does not justify a resolution to this issue. My original claim XXXX should have never been closed because it was not resolved. The letter they attached for their response is dated XX/XX/19, I NEVER RECEIVED THIS LETTER! SO how could be a resolution or explanation for the issue at hand when the letter was just written. Meanwhile, they continue to report to the credit bureaus and hurting my credit.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Complaint sub-issue: Non-sufficient funds and associated fees

I deposited the Money Order on XX/XX/XXXX it was approved the next day a hold was put on my CASH MONEY this money order was cashed on XX/XX/XXXX that XXXX XXXX as stated funds were released on the XX/XX/XXXX CASH MONEY this was a Money Order Cashiers Check this was done by the XXXX CA brach with the two very bias Predjuice Bank mrg.XXXX XXXX and XXXX XXXX deceitfully and illeagall holding My CASH MONEY without any reason they have received the funds and has refused to release the hold off my CASH MONEY when XXXX XXXX has confirmed the Money Order was CASHED XX/XX/XXXX this is FRAUD and they are FRAUDULENT holding my CASH MONEY till XX/XX/XXXX WHY?
Complaint sub-issue: Public record information inaccurate

On  XXXX   XXXX ,    2017 I received a letter ( c opy enclosed ) advising me that m y Sears  Credit Card account had been closed effective  XXXX   XXXX ,    2017. According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned the m who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me  in 3 to 5  business days.     I FEAR THAT TH IS MAY  BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX
Complaint sub-issue: Investigation took more than 30 days

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$250.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$3900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX XXXX XXXX Balance {$13000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

I received a letter from Citi bank  on XX/XX/XXXX stating my late mother was owed {$450.00} and that i needed to send documents to retrieve these funds before it was forwarded to unclaimed funds in XXXX. I faxed them her death certificate along with other documents to prove who i was and a form that came with the letter. On XX/XX/XXXX i received another form to fill out and a request for her death certificate and copy of the first letter. I faxed those today along with original packet of documents sent XX/XX/XXXX and fax confirmation. I also mailed the same faxed documents certified mail today as well. This is absolutely rediculas that it takes them XXXX weeks to reply and instead of a check i received another request for the exact documents they requested the first time. citi bank abandoned funds dept XXXX Ref ID # XXXX. Her name was XXXX XXXX DOB XX/XX/XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi checking account, since the bank was offering a {$700.00} bonus for depositing XXXX in new funds. The terms and conditions mentioned that you have to fund the account in 20 days from account opening, and keep the funds in the account for 60 days. The bonus would be paid out within 90 days after. 

The account was opened XX/XX/XXXX, funded by XX/XX/XXXX ( within 20 days ), and money was held till ( XX/XX/XXXX ). XXXX met again. I even called Citi twice to ensure the bonus code was added and did all my paperwork over the phone with a representative. They assured me code was added and my account was eligible for the bonus. I also called and verified when the money can be taken out of the account. I was given two Seperate answers but went with the later one as it matched the 60 day holding period.

I have been waiting for the bonus now for 2 months. Every time I call I get the run around and each time its a different answer. The representatives are rude, incompetent, and deceiving. Be careful with this bank!
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2022, I called my loan servicer MOHELA to refund the amount of {$3500.00} I paid on XX/XX/2022. The MOHELA representative said she will submit the full amount refund request for me, and the process XXXX be take about 90 days. From the day I called MOHELA, I never get any message like a request confirmation from them, and there was nothing change in my student loan account too. Therefore, I have no way to track my refund status. I called them again to track my refund status XXXX on XX/XX/2022, but I even not able to reach to them at that time.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I had this credit card for two, I used it couple times for my own person use, after that I was paying it on time. The I started noticing charges on my account that wasnt fine, I called discover and tried fixing it and they failed to do so, I disputed it multiple times with them and my claim always get denied. They closed my account saying that it was fraudulent charges on there. This has hurt my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

I do not have a contract with AFNI. I am not liable for collection. This debt is from XXXX XXXX XXXX. This debt is also 7 years old and pass the PA statues of limitation. I am not responsible for this debt. It is for {$1500.00}. I filed complaints with the credit bureaus and will also be filing a complaint with the XXXX XXXX XXXX!
Complaint sub-issue: Debt was result of identity theft

I have tried multiple times to handle this debt with XXXX XXXX XXXX. Someone stole my identity and have opened up an account in my name. This debt does not belong to me and they have not provided physical proof. They only have sent documents of whoever opened the account in my name and forged a signature that is not mine. I am XXXX and haven't opened this account. I have been going back and forth with them about this for years. If they can't provide physical proof of me opening this account. They need to delete it from my name. Just because they have signed documents doesn't mean that I opened the auto loan in my name. It is not my account and I am not accountable for this account. The account # XXXX