Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

XXXX college went out of business and loss there accreditation, so now im stuck with {$20000.00} in loans. I 've been trying to get this resolved but Nelnet wont tell me how to get my loans discharged. Plus XXXX college was sued by the Colorado State general and the college is supposed to be paying back these loans, but know one knows how this is done.
Complaint sub-issue: Reporting company used your report improperly

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a letter from Fedloan Servicing distinctly stating that my loans were in forbearance from XXXX to XXXX. However they are reporting me 90 days late for the month of XX/XX/2020. I disputed this information and provided the documents ( attached to this complaint ) and they refuse to correct the falsely reported information. I spoke with a representative ( on their recorded line ) and he verified that my loans were and are in forbearance from XXXX to XXXX and current. Before that representative I spoke with someone else and he informed me that I am current in their system & told me they will not update the credit bureau. 

Please review the documentation & have them remove the late payments. You will clearly see the discrepancy. Thank you.
Complaint sub-issue: Information is not mine

I have several hard inquires that were not authorized by myself. XXXX are from a fraudulent XXXX XXXX Credit Card that was opened in my name. XXXX XXXX canceled the card and reported it to the XXXX credit bureaus and this was removed from my credit report except for the hard inquires with Equifax. Equifax refuses to remove the hard inquires. I also have a hard inquiry from XXXX XXXX XXXX, and XXXX from XXXX, neither of which were authorized by myself at any time. The hard inquires that I have on XXXX are accurate and correct, but Equifax refuses to hear and act.
Complaint sub-issue: Card was charged for something you did not purchase with the card

To whom it may concern, I received a call from a collection agency called XXXX XXXX regarding a credit card ending in XXXX with the U.S. Bank National Association for a charg eof XXXX in XXXX of XXXX. I do not own that credit card and never have. The card was used in XXXX XXXX XXXX. I live in XXXX, XXXX. I told the collection agent that she was trying to collect on a card that was fraudulently open in my name. I LATER received a letter from XXXX XXXX with instructions to call US Bank XXXX XXXX XXXX at XXXX with a file number and have not heard back. Please assist me with ggis as I have excellent credit and I am concerned about repercussions.
Complaint sub-issue: Information belongs to someone else

I was review my credit report yesterday XX/XX/2022 and found a bunch of inquiries that I did not apply for. I reached out to the XXXX credit bureaus, XXXX, Equifax and XXXX. Also I tried to format a FTC affidavit and it redirected me to the cfpb. I want to apply for credit and the underwriter informed me that these inquiries are hurting my chances of getting approved
Complaint sub-issue: Information belongs to someone else

not mine : FCRA violations remove the XXXX that's not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} XXXX Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Account charged off. {$1700.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Collection account. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Account charged off. {$190.00} written off. {$190.00} past due as of XX/XX/XXXX. 



Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex see attachments for the evidence that makes this a curtain call
Complaint sub-issue: Reporting company used your report improperly

Equifax has allowed my credit history and ssn to be breached and did not notify me. They have known about this issue for months and are only now being exposed for it. They are a heinous company and should not be trusted with anyone 's information.
Complaint sub-issue: Was not notified of investigation status or results

Hello! 

I pull my credit reports and notice bankruptcies on my credit report. I reach out to all three credit bureaus asking for method of verification. I received notice that their verification came from LexisNexis. I sent LexisNexis 2 letters certified mail asking them where did they get their verification from. They have not sent me letters regrading this matter. I sent one in XXXX and another one in XXXX. It has being well over 15 days without a respond regrading my investigation. 

I have also attached my letter and certified receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018, I retrieved a copy of my credit report and noticed that AFNI had placed an entry on my report and did not provide me a dunning letter nor any notice regarding an alleged debt. To that end, I sent AFNI a letter dated XXXX.XXXX.18 whereby I disputed the validity of the alleged debt that they had placed on my credit reports. To date, I have not received any communication from them. I have never did any business with this company, never heard of this company and as previously mentioned, never received any correspondence from them. Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI as required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. 

As such, AFNI should have provided me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherin he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and and name and address of the bonding agent for collection agency in case legal actions become necessary. All requested document must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete this erroneous, unverifiable entry from my report and send a letter communicating such. For AFNI to blatantly violate my consumer rights by placing this entry on my report  directly violates FDCPA.
Complaint sub-issue: Problem with balance transfer

In XX/XX/2022, I made a balance transfer. I requested that Citibank send funds to XXXX aka XXXX XXXX XXXX has since changed to XXXX ). The amount of the transfer was {$4100.00}. According to Citibank, the funds were sent to XXXX on XX/XX/2022, but have not been applied to my account. I have spent countless hours on the phone with both Citibank and XXXX trying to find a solution, but I am still making payments on both accounts. After filing a complaint against XXXX, a representative from their corporate office has reached out and asked for more information from Citibank. Citibank sent a letter giving a XXXX digit trace number for the funds, but the appropriate trace number needed would have XXXX digits. On XXXX different occasions I have asked Citibank for the account and routing numbers used when the funds were transferred ( this would help XXXX find the missing funds ), but neither Citibank supervisor would provide this this information. Another solution XXXX suggested was for XXXX to pull back those funds into their account. Neither supervisor at Citibank knew anything about this. I am a XXXX individual with a fixed income, so needless to say making two payments is really putting extra stress on my finances.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have attached documents to support my claim.
Complaint sub-issue: Account status

The student loan company is reporting inaccurate information. I 've sent them emails on XXXX different occasions and asked that they correct the reporting. My student loans have been in deferment during the periods they say payments were late. The student loan company provided me with documentation of the my student loans deferment history which shows the loans were deferred the times they reported it to be late. This is becoming redundant. This is an easy fix and I would like them to remove the negative reporting from my bureau
Complaint sub-issue: Problem getting a working replacement card

I was notified via mail by First Progress in XXXX of 2019 that there was possible fraudulent activity on my card ending in XXXX. The letter stated that the card would no longer be active and another would be reissued to me. I never received the new card but First Progress continued to charge me interest on the low balance as well as expected me to pay on time payment for an account I had zero access to. This has cause issues with my credit and First Progress has been non-responsive to my requests to either get another card or close my account.
Complaint sub-issue: Reporting company used your report improperly

On today XX/XX/2022 I recognized that these companies have violated the consumer laws. 

XXXXXXXX XXXX Account Number : XXXX Amount : {$6500.00} REPORTED BY XXXX AND XXXX Amount : {$7800.00} REPORTED BY EQUIFAX XXXX Account Number : XXXX Amount {$530.00} REPORTED BY ALL XXXX CREDIT BUREAUS In accordance with the Fair Credit Reporting Act, these companies 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I placed an order on XXXX on XX/XX/2020 ( Order # XXXX, Total {$35.00} ). The order was for paper back books and XX/XX/XXXX books. The seller only sent paper back books. So I got in contact with the seller and the seller asked for my shipping address on XX/XX/XXXX then provided a fake tracking number on XX/XX/XXXX. I initiated a chargeback with my Discover credit card and contacted XXXX right away. XXXX confirmed on XX/XX/XXXX that a refund was issued to my Discover credit card on XX/XX/2020 for {$20.00}. However, I never saw the refund in my card then contacted both Discover Bank and XXXX. Per XXXX customer service representative, XXXX issued the refund on XXXX XXXX and discover bank has my money. To my surprise it that Discover bank claimed I lost the dispute even when XXXX already admitted to me twice on XXXX XXXX and XXXX XXXX that XXXX had refunded me.
Complaint sub-issue: Report provided to employer without your written authorization

When I applied to credit cards I didn't know it was going to be a hard pull, also when I applied to a auto loan I didn't consent with them running my credit more than once they pulled the credit and more than one reports popped up.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Account XXXXXXXX XXXX XXXX  Account XXXX XXXX  Account XXXX XXXX Account XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account 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.

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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Public record information inaccurate

LexisNexis is providing invalid information to the credit bureau as well as on my file about a bankruptcy that I don't have. I have requested on XX/XX/2019 for them to verify the validity of the information that is on my file and they have yet to do so. LexisNexis have not given me information for where they have gotten there information from.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been asked to verify the accuracy of 8 accounts from XXXX XXXX XXXX on XX/XX/2021. Account XXXX XXXX has receive several documents from me over the last before XX/XX/2021 to include but not limited to Notice of Default and Opportunity to Cure where XXXX XXXX XXXX has failed to answer all doc sent by registered mail. Included in the documents they have received is Notice to Cease and Desist. At this point Both XXXX  and XXXX have removed these accounts because XXXX XXXX XXXX is one of the unscrupulous 3rd party debt collectors. Despite the Notice To Cease and Desist Equifax claims to have verified the accuracy of these 8 accounts. XXXX XXXX XXXX XXXX has violated my rights again by verifying these accounts or Equifax has not done an investigation as required by law upon request and is in violation.
Complaint sub-issue: Problem with customer service

There is an EXTRA {$2500.00} in Discover Card balance that SHOULDN'T be there!!! 
Discover is taking SEVERAL WEEKS to resolve this problem. I am FURIOUS!!!!! 
On XX/XX/XXXX I did a balance transfer ( on-line ) of {$2500.00} to my Discover Card ( from my XXXX XXXX card ). Several days later it still wasn't posted on either card. on XX/XX/XXXX I called XXXX XXXX and Discover to investigate. I learned a single digit was incorrect, so it didn't go through. On XX/XX/XXXX Discover representative " XXXX '' told me the origianl {$2500.00} wouldn't ever go through, so we initiated a NEW balance transfer of {$3000.00}. The very next day I saw in my XXXX XXXX account that the original {$2500.00} was approved! I was shocked. I called Discover ( XX/XX/XXXX ), spoke with " XXXX '' who told me to contact XXXX XXXX and explain the error. I did and they fixed the error on their end immediately! But Discover has still NOT FIXED the error on my Discover balance. {$5500.00} has been transferred from my XXXX XXXX ( XXXX card ) when it should only be {$3000.00}. 
I WANT THIS EXTRA {$2500.00} REMOVED FROM MY DISCOVER BALANCE IMMEDIATELY!!!!!!!!!!!!!! 
I've called multiple times. Been on hold for each time for 40-45 minutes and then on long phone calls with various agents, each 30-45 mins ). My last call was with " XXXX '' in the Disputes dept on XX/XX/XXXX. He reasurred me the issue would be resolved by XX/XX/XXXX. It is XX/XX/XXXX and STILL AN EXTRA {$2500.00} is listed in my DISCOVER balance. I am again ON HOLD with Discover as I write this ( 33 minutes so far, no answer ... ) to once again try and  move this along. DISCOVER IS ACTIVELY REFUSING TO CORRECT THIS ERROR which is costing me an extra {$2500.00} I never spent and DO NOT OWE!!!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  Account # XXXX AN XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions
Complaint sub-issue: Old information reappears or never goes away

Per Equifax, XXXX, and XXXX they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Stayed at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX a transaction to my credit card for the full amount was processed. As of XX/XX/XXXX there are still two pending transactions on my Citibank credit card for XX/XX/XXXX {$160.00} and XX/XX/XXXX {$65.00}. Contacted Citibank and XXXX and both companies point fingers at each other that is the responsibility of the other to remove the pending transactions. It is affecting the amount available on my credit card limit to be used and I have had transactions refused because of this. 

Spoke with XXXX in Accounting at XXXX and XXXX and XXXX at Citibank on XX/XX/XXXX starting at XXXX XXXX  EST.
Complaint sub-issue: Bounced checks or returned payments

I have made multiple complaints in relation to the Citibank call center. First, they do not understand English or the American culture. I tried to open a complaint but had no assistance from the call center. I spent close to {$500.00} within three months related to the phone service provided by Citibank. You are on hold for more than 40 minutes. More specifically, I travel to XXXX with high frequency. I was in XXXX XXXX in the month of XXXX. Prior to my XXXX XXXX arrival. I had a layover in XXXX and items were stolen from my checked-in bag. I was forced to make a payday loan. I made a loan with XXXX XXXX XXXX for {$250.00} on XX/XX/2021. I received an email offering me XXXX XXXX dollars. They contacted me and wanted confirmation of all my information, bank account, debit card #, address, and telephone numbers. I thought it was legitimate. They deposited {$490.00} into my account on XX/XX/2021. I was told that they wanted to verify my account and made the deposit. I called Citibank when the deposit occurred to check its validity. The agent that I spoke to concur that it was legitimate, so I continued with their procurements. They asked for their money back and I made the payment via XXXX XXXX. They requested two payments, one of {$270.00} and the second payment of {$220.00} which I complied. I did not feel comfortable with the situation. I told the person that was calling me that I was no longer interested in their loan. On XX/XX/2021, the check was deemed with no funds, and funds were taken from my account. I did everything in my power to ensure the check was valid, but it still was a scam. I wrote to XXXX XXXX XXXX and they stated I was a scam. I had the most difficult time in trying to relay this information to an agent. I was given like XXXX telephone numbers to call and make a complaint. They did not understand the concept of payday loans or the American loan system. You are placed on hold multiple times with long periods of wait. Due to my travels, I always have to be in contact with Citibank with issues of my travels. I am never satisfied with the service. The communication is horrific. I know that I will have to wait for a long time. Today, I called the center. The agent that took my call could not understand me. I had some items debited from my new debit card. I was issued a new card last month due to the theft in XXXX and the scam. The agent told me that they can debit items as long it is XXXX. I told the agent the reason the debit card was replaced was for fraud. Why would I want the people that had my card to have the ability to debit more items from my account. I had to work individually with all merchants that debited my card. The issue I had was that the agent thought she put me on hold and was talking to her coworkers for a long time. When she came back to me she stated that she could not do anything. These scammers have changed my PIN and informed her of such. She said nothing can be done.
Complaint sub-issue: Information belongs to someone else

Waiting on removal of items on my Equifax credit report.