Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

I have shopped at Macys happily for years until very recently I applied for a store card which arrived, but every time I tried to use it my orders were automatically cancelled and I was given a message to contact customer service. I did this twice, both times they claimed there was a, temporary restriction and they needed more personal information to remove the hold. After giving the various customer service representatives my information and being on hold long periods of time, each of them falsely claimed to have fixed the issue. I contacted the XXXX, again nothing was fixed and all I received was an generic apology email from Macys ( the problem still exists and my Macys Credit Card is effectively useless, damaging my credit as they took the liberty of applying me for an additional Amex card I did not authorize ). Please help, thank you!
Complaint sub-issue: Received bad information about my loan

During the month of XX/XX/XXXX and XX/XX/2016 I received to negative marks on my credit report for my student loans that I had faxed over correct paperwork two separate times to have my repayment plan updated. I was told they were received and I would get a response from them with in 30 days but while paperwork was being processed there would be an administrative forbearance added to my account so that it would stay current. this never took place and fro that my account went past due I have submitted and goodwill adjustment but nothing ever happen come to find out the lady whom handle my call entered my email wrong and I never received correct documents and now Nelnet refuses to honor the agreement that account would be updated
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries on my report, Where not authorized By Myself.
Complaint sub-issue: Account information incorrect

I have multiple inquiries that i did not do or apply for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Investigation took more than 30 days

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Complaint sub-issue: Account information incorrect

The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with XXXX, XXXX, and EQUIFAX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Complaint sub-issue: Was not notified of investigation status or results

Hello I mailed a notarized dispute letter and it was certified disputing unverifiable items on my report. They received the letter on XX/XX/XXXX and they have failed to respond. Today is XX/XX/XXXX. It should have been post marked by XX/XX/XXXX. By law they are required to remove items since they failed to completed the investigation and or provide requested/required documents.
Complaint sub-issue: Trouble getting, activating, or registering a card

I was affected by the COVID National emergency, and my credit score got down, now Citibank closed my XXXX XXXX XXXX that I usually use to buy the food and other expenses. I never was late on this credit card and already settled the late credit cards affected.They told me that will reopen account and now they informed that they will not reopen the card. The misleading all the information provided and I need the Credit Card.
Complaint sub-issue: Problem with customer service

I have qualified for XXXX XXXX XXXX XXXX since XX/XX/2021. I submitted my XXXX form for it to be rejected for information that was provided in the form. On my XXXX form, it clearly indicates that I am still employed with my qualifying employer but my application got rejected because " Your employer provided an employment end date on your XXXX Form that is more than 60 days prior to the date we received your form. Therefore, we are unable to confirm if you are still employed with that employer. You must be employed full-time by a qualifying employer when you apply for and receive forgiveness under XXXX or XXXX. '' I've tried calling customer service since XX/XX/XXXX to no avail. On the main Fedloan number, I'm on hold for 90+ minutes, only to have the call disconnected. This has happened numerous times. I've called a Fedloan contact by the name of XXXX and left messages. She has not returned my calls. I've messaged Fedloan on XXXX and received no reply back.
Complaint sub-issue: Information belongs to someone else

My lender spoke with me about my report and there are many items that are incorrect/ I am not familiar with.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/XXXX and XXXX of 2022, there appears to be 4 fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX XXXX, XXXX, XXXX XXXX, and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

An online dispute was submitted to Equifax regarding a 30 days late listed on my credit report for the month of XXXX. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. Equifax stated, after the investigation was complete, that it was reported accurate by the data furnisher. 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well, which shows that the XXXX payment was paid days early and was not 30 days late.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a call, text and an email on XX/XX/2019 from Citibank regarding transactions made using my credit card. I spoke with a representative and she told me that I had transactions all over the world using my credit card. I requested to the representative to tell me the amounts and dates of the purchases, she told me one by one and I didn't recognize purchases done overseas. She said that all transactions were going to be cancelled and I won't need to be worried about anything. A few days later I found that a couple of the fraudulent charges were actually processed and paid for more than {$28000.00} so I called Citibank again. Citibank representative told me that the amount was going to be investigated. Among the steps that Citibank processes in this situation is to contact the merchant for proof of the purchase. They said in a few days I will receive a call from the investigator but it never happened. 
I called back to Citibank a week later and I spoke with a fraud supervisor and she told me that the fraud amount was still under investigation and it could take a while for the investigation to be completed. This amount in dispute is on my bill with a {$13000.00} amount due as a minimum payment. My credit score has dropped 150 points. I requested the fraud amount in dispute on my account with Citibank be given a temporary credit while under investigation which they said would be done in a few hours. This never happened. A week later called again and they told me that they had no record about the conversation that I had with the fraud supervisor. 

I made two questions to the Citibank representatives which they couldn't answer : Why are we dealing with this huge amount which is covered by fraud protection : why were they able to remove or credit the account with the other amounts in dispute and not this large one? 
How did a charge that was more than {$10000.00} MORE than my credit limit gets processed, approved, and paid?
Complaint sub-issue: Don't agree with fees charged

I have XXXX loans through Navient as my private loan provider.. I have paid all of my bills on time. XX/XX/2016 my interest rate was 7.37 and 8.62. Now my interest rate is 8.875 and 7.625. They are variable interest rates. I do n't think it 's right for them to charge me more interest for paying my bills on time. I
Complaint sub-issue: Their investigation did not fix an error on your report

To XXXX  Dispute Department, XX/XX/XXXX Re : Dispute claims from Creditor : XXXX XXXX XXXX and XXXX XXXX. 
Report number : Date Generated : XX/XX/XXXX XXXX XXXX. 
Amount : {$110.00} Dear People, This is a complaint against XXXX XXXX XXXX and XXXX XXXX under the federal Fair Debt Collection Practices Act. We allege abusive and deceptive practices. 

For services performed on XXXX XXXX and XX/XX/XXXX0 in XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) has failed to invoice me. To this day they have never sent me a bill for their services. 

Nor did I receive the usual Explanation of Benefit from my insurance company, XXXX XXXX and XXXX ( XXXX ), regarding my co-pay to XXXX. 

The first bill I received was from a collection agency, XXXX XXXX which didn't tell me that I was to be charged daily interest and nor would it report me to credit burau as the case in dispute. 

XX/XX/2020, when I again called XXXX about co-pay to XXXX, insurance agent XXXX again told me there were no claims from XXXX. XXXX called XXXX while I was waiting on line. XXXX at XXXX acknowledged to XXXX XXXX XXXX, that XXXX had made claims to a wrong address. She promised to resubmit claims to XXXX and to bill me. She also agreed to tell collection agency not to pursue actions against me. Taking XXXX 's words, XXXX told me to disregard the bills from collection agency and wait for XXXX bills. However, XXXX didn't take actions as promised. 

XX/XX/2020, I called XXXX to request the claims from XXXX  in writing. XXXX tried to contact XXXX unsuccessfully. I requested a complaint letter to XXXX. 

XX/XX/XXXX, I called XXXX regarding the reply to my complaint letter. There were five separate charges from XXXX  which were confusing, since I have never seen these numbers before. I waited for XXXX itemized bills until XXXX XXXX. 

XXXX XXXX, XXXX automated phone message indicated my balance was five dollars. I spoke to XXXX @ XXXX billing department, who indicated that the balance was {$270.00}. I offered to pay the balance, but XXXX said she would not take credit card payment, I needed to pay in some form of cash. To use credit card, I need to deal with collection agency, XXXX. 

No useful discussion has been possible with the collection agency. They want all the money they can get. 

XXXX XXXX Solutions made a number of mistakes. I was caught in the middle of the mess XXXX made. It is XXXX ' responsibility to resolve this issue for me. I am willing to pay {$270.00}, with no additional fees, nor interest. 

I didn't learn about the itemized bills until XX/XX/XXXX, when XXXX answered my complaint. To this day, I still have not gotten any itemized bills in writing from XXXX. 

In the middle of the pandemic, many things have gone wrong. It is unfair for any business to ignore the facts, especially its own mistakes. 

Sincerely, Copy to : XXXX XXXX XXXX XXXX XXXX. 
FTC
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016  under the name of  XXXX   XXXX   XXXX   XXXX .     I immediately made contact with Equifax to dispute and have this corrected. I 've been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct.     I made contact with   XXXX   and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to Equifax. I mailed the letter to Equifax and have not received a reply and it has been over 30 days. I have included a copy of this letter to have this inquiry removed ASAP.
Complaint sub-issue: Information belongs to someone else

I pulled update of my credit report and still I see these negative account. I already sent few complaints to you guys. Why you still posting this information. I have no idea where you get them but I never apply for it. Someone used my personal information
Complaint sub-issue: Used obscene, profane, or other abusive language

I have now twice received what appear to be collections agency letters, instead of bills from my medical provider. And, yesterday I received a phone call from the collections company ( billing agency for the hospital ), that used debt collector tactics that may be in violation of the Fair Debt Collections Practice Act. 
The hospital is XXXX XXXX Hospital, billing address XXXX XXXX XXXX, XXXX, VA XXXX, phone number XXXX. 
The collections agency ( billing company ) is NPAS, Inc. XXXX XXXX XXXX, XXXX XXXX KY XXXX, phone number XXXX. 
The first letter I received from NPAS, Inc. for a bill for which I never received a bill from the hospital, caused me to call the hospital billing directly. I asked them who this NPAS, Inc. was, why I received what appeared to be a collections letter, and why I had not received a bill from the hospital directly, which I had received prior to these events regularly. I have always, prior to the conduct by the hospitals billing and NPAS, Inc.,  received a bill from the hospital, and always paid them on time. I did not receive a satisfactory response to my inquiries, but was able to pay the bill, in full over the phone. This occurred in XX/XX/2018 
At the beginning ofXX/XX/2018, I received yet another collections looking letter from NPAS , Inc., without having ever received a bill from the hospital directly. This letter is attached. I again, immediately called the hospital billing, advised them of the letter, and asked them to generate a bill for me, which the hospital billing CSR said she was going to do. 
XX/XX/2018, I received a collections like phone call from NPAS , Inc . The female calling at first refused to identify from what company/agency she was calling, instead demanding that I confirm if I was Mr. XXXX. I persisted through her very rude behavior and she eventually admitted that she was calling from NPAS, Inc. Once she finally divulged this and the purpose of the call, I told her of my conversation with the hospital, and that I had been assured by the hospital that a bill would be forthcoming. She told me the call was being recorded, more intimidation tactics. She then proceeded to demand that I be transferred to what she referred to as an account specialist. I asked if the account specialist was in fact a collections agency. She rudely refused to answer again, and demanded I allow myself to be transferred to an account specialist, and again stated the phone call was being recorded. At that point I stated to her that I was calling the hospital billing department an

d hung up the phone

. The conduct of the agent from NPA
S, Inc. was rude, evasive and clearly an attempt at intimidation. What makes this truly despicable, is that I pay my bills on time, but now the hospital has apparently resorted to the tactic of not bothering to send a bill and instead using a collections like agency from the start. I suppose the hospital can bill how they want, but NPAS, Inc.s conduct may have violated the Fair Debt Collections Practice Act, and I ask you to investigate this.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FCRA 15 U.S. Code 1681c2 and 15 U.S. Code 1681 consumer credit agencies Equifax and XXXX have violated my rights to have my information blocked as result of identity theft and have failed to report fair and accurate information on my consumer report profile.
Complaint sub-issue: Other problem

I have recently over paid an outstanding balance on my PNC credit card account and now have a {$1000.00} credit balance. I have contacted them on more than one occasion requesting that they send me a check for the credit balance and they have been giving me the run around for the last 20 days. I initiated the request on XX/XX/2018 and was told that I would receive the check within 7 - 10 business days. When I called back to inquire, I get apologies and no commitment or promise to send me my credit balance. I have called on more than 3 occasions, can I get help with the issue? This is unacceptable, I have outstanding credit and want my money back ASAP.
Complaint sub-issue: Problem with customer service

I elected to resume my payments but was informed by the Department of Ed that my payments would not be counted as direct payments toward XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made 117 qualifying payments. Also, the form lists that I have to make 121 qualifying/direct payments, but the federal requirement is only 120 direct/qualifying payments. The Department of Ed will not correct the determination letter or respond to my dispute regarding the calculation of qualifying payments.
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX I received a letter stating that I would have to recertify my income for an income based repayment plan. The letter stated that I would receive another letter in 2 months with instructions on how to do this.

Cut to XX/XX/XXXX my bank notified me of a payment taken from my account of approximately 8 times my previous payment. I checked online and saw that my IBR had been cancelled and approximately 16,000 in interest had been capitalized.

I called for an explanation. The first representative told my that my recertification had been denied. He sent me to another representative who told me that I never recertified. She said they could fix the payment amount after a few months but that there was nothing that would be done about the interest capitalization.
Complaint sub-issue: Information is missing that should be on the report

Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! Credit bureau-XXXX XXXX bureau-XXXX Equifax bureau-XXXX XXXX As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!
Complaint sub-issue: Didn't receive services that were advertised

Website is https : //www.equifaxsecurity2017.com/potential-impact/, company is Equifax. Date is XXXX XXXX  2017.
The website says it would tell you how you were affected and give you an option to opt-in to XXXX XXXX. It does neither after this happened over a month ago. Its both false advertisement as well as enrollment without consent.
Complaint sub-issue: Old information reappears or never goes away

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Information is not mine

An unauthorized inquiry was placed on my Equifax credit file from XXXX XXXX XXXX on XXXX/XXXX/2015. On XXXX/XXXX/2015, I contacted the local XXXX XXXX. XXXX branch listed for the Equifax inquiry to let them know I did not authorize the inquiry and it was fraud. I sent an affidavit regarding the credit application to XXXX XXXX XXXX. The branch manager, XXXX, forwarded my affidavit to XXXX XXXX XXXX fraud department. The fraud department contacted Equifax requesting that they remove the inquiry. XXXX XXXX XXXX sent me a letter dated XXXX/XXXX/2015 stating they contacted all credit reporting bureaus to remove the inquiry. On XXXX/XXXX/2015, I initiated an online dispute with Equifax and faxed them a copy of the letter XXXX XXXX XXXX sent me because the inquiry was still listed on my credit file. Today, XXXX/XXXX/2015, I receive notice that they completed their investigation and the inquiry was a " factual record of file access '' and if I believe it was unauthorized to contact the creditor. I 've already done that and the creditor has already contacted Equifax to remove the inquiry. Equifax apparently is refusing to comply. I 've opened another dispute with Equifax , case number XXXX, regarding this matter. I 've attached the letter I received from XXXX XXXX XXXX, a copy of the fax I sent Equifax with case number XXXX and the results I received from Equifax for case number XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : Original creditor : XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX