Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Used obscene, profane, or other abusive language

I learned through junk mail from other companies that this law firm XXXX, XXXX and XXXX ( XXXX ) had filed a case in court against me. I called XXXX and then the law firm to get more information about it, and then once they explained where it was from, I explained to them that my financial situation has not changed, and in fact has gotten worse. 

I initially spoke with one rep, who had a flat affect but eventually agreed to submit an offer. She wasnt able to answer questions regarding the terms and conditions and suggested for some of the questions to ask XXXX and then I also asked for a supervisor because I wanted to make sure I understood what the law firm was doing as well because it seems confusing. For example, the attorneys refuse to speak directly with the consumer unless it is in court. 

The call got disconnected- I just heard dead air, so I called back so I could complete the offer request. 

I told the rep XXXX, that I only had a specific amount of money, which was about 25 % of the balance. I explained that I am not working at the present time and I don't foresee this changing in the near future despite my attempts to find new work and apply for unemployment, etc. 

She refused to submit my offer for XXXX to the company. When I began to cry and ask why, she said that I was being a bully and accused me of being forceful/aggressive when I am simply offering the company all I have. I have a recording of the call, that specifically showed that she refused to submit the offer and then went as far as threatening me with the outcome of the lawsuit and said I wasn't being realistic. She then went on to say that her company is willing to take this to court all the way and threatened me with interest accrual, etc. 

I told her that the amount I offered was all I had in the savings account. I asked if she was not interested in the money that I have, she said " yes '' " We are prepared to go forward with the court date, that doesn't change our position. Our client wants to secure a judgement. You are trying to bully me into accepting an offer. I cant change the fact that you have a balance of almost XXXX you aren't being realistic. ''
Complaint sub-issue: Debt is not yours

I never opened a XXXX account or received or used their equipment. I never had a contract with them. 

XXXX XXXX ( formerly XXXX ) fabricated a {$120.00} debt for allegedly failing to return a router. 

XXXX then initiated the collections action below, without ever calling me or writing to notify of the debt. 

I owe them nothing and this must be illegal. 



Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$120.00} Original Creditor ASTOUND BROADBAND POWERED BY Past Due {$120.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I am in a debt relief program. Ive a script from XXXX XXXX XXXX that has been told to the callers numerously. XXXX XXXX XXXX has had me put their number in for them to contact and they still call my wife and I, ignoring the number update.
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has 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 incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addcress : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Inadequate help over the phone

I called Equifax today to see when my XXXX account is going to be deleted. When I called in XXXX I was told the account was going to be deleted in XXXX. Well, I gave them a call today and was told it would not come off until XXXX. I ask to speak to a supervisor and was disconnected. I gave the lady a call back number no one has returned my call. I tried to call back and was on hold then bounced around.
Complaint sub-issue: Reporting company used your report improperly

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about this item on my credit report - XXXX XXXX Home Mortgage I wish to the original sources of the information reported including, but not limited to, the original contract with my signature.
Complaint sub-issue: Account information incorrect

Information is being reported as new the account is from XXXX. This information was removed from my credit report in XXXX the information has since been refreshed and added back to my credit report as if the reporting is new. 
From research I have found that it is illegal to put information back on to my personal credit report as new ( 9 months ) when in fact this information is old and was removed 2 yrs ago
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX of this year I received a credit monitoring alert that Conn 's Home Plus had reported my account 30 days past due for the month of XX/XX/XXXX. This is incorrect. My account has never been over 30 days past due. I called them immediately and they stated that there was a processing error with their extensions that they granted me. I am in the process of restoring my credit and buying a house. The negative reporting has dropped my score by more than 40 points. I have been a loyal customer with Conn 's. This is unfair and not right. I have been so stressed out about the negative reporting.
Complaint sub-issue: Account information incorrect

Ally Financial : XXXX : Police report wrote that I was using this car for work and I was delivering news papers at the time of the accident. My gap insurance didnt pay out for this because of the false information that was filed by the cop who wrote the report. I was using this car for personal use only. I was driving from one job to the next and told the police officer this. They billed me for the remaining balance and I do not owe this. This cop wrote false information.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX is in violation of the 15 U.S.C 1681. I am a natural person. I am a living human being and as a consumer, I have rights under 15 U.S.C 1681. 

Equifax is govern by 15 U.S.C. and has violated my rights numerous times. 

I demand the following : 1. Accounts listed below to be REMOVED/ DELETED IMMEDIATELY 2. For EQUIFAX to ADD A BLOCK that will prevent the accounts listed below from being added back into my credit report. 
3. REMOVE / DELETE ALL inquiries ( hard and soft ) I DID NOT GIVE ANY WRITTEN PERMISSION TO EQUIFAX to furnish any of these accounts nor to add any inquiries in my credit report. 

XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX My request is made because according to 15 U.S.C 1861 : I have the right to privacy 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Complaint sub-issue: Debt was discharged in bankruptcy

PUGET SOUND COLLECTXXXX XXXX, XXXX ( XXXX ) XXXXXXXXThis debt is apart of my bankruptcyXXXX XXXX COUNTY REFUSE XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Theres hard inquiries not consent to pull credit or report it
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them my profile.
Complaint sub-issue: Received bad information about your loan

I have been in repayment for the Public Service Loan Forgiveness ( PSLF ) program since XXXX. I have had 4 federal loan servicers during that time and the servicers have not shared information between servicers about the status of my participation in the PSLF program as my loans were transferred among servicers. From XXXX, loan servicers misled and gave wrong information that I was on a qualifying payment plan and did not respond to requests for information about PSLF program participation, and the current servicer has delayed for two years a review of qualifying payments that they have claimed were ineligible for the program. Meanwhile, the Temporary Extended Public Service Loan Forgiveness ( TEPSLF ) program funds are available and I certainly qualify for forgiveness.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  XX/XX/2021 was told that I did not give permission to my boyfriend to close account and they noted that they did not talk to him after he had in fact talked to a lady for over 30 mins. The man was very rude and would not hear me out to validate and transferred me to XXXX and she said there was three card numbers and I do not have one card. I told them to close account numerous times and they refuse. They said they mailed a new card and I never received it! Then she said a letter was mailed XX/XX/XXXX explaining why charges were on the card for XXXX to XXXX. The letter will have more info than she could give me, she stated! Also was the first to tell me there was a credit on another card for XXXX and could not tell me how I would get the credit back and said another card had a balance of XXXX to XXXX XXXX and I disputed that did not do. Then she told me she would have to transfer me back to customer service where they were rude. I told her again I wanted account closed. Then she said the customer service would have to do it, but they had already had told me that they could not do it and that is why they transferred me. She then put me on hold to await for transfer. I have been trying to close this account since the fraud activity happened early XXXX. They were supposed to get back to me from 30-60 days from that and that time has come and gone. I do not understand why this is taking so long. I feel like they are a fraud company, and was suggested by them from XXXX  to build my credit after identity theft is the only reason I did it and had to pay XXXX for a XXXX credit line which is ridiculous! I want my money back from that as well. Plus, you have to pay online and there is two fees just to pay them money one is XXXX and the other is XXXX. I would advise people to clearly stay away from this company. I want this solved ASAP! I am tired of being put on hold, and transferred for over an hour now. I can not do anything else but this and my day is already full and I am very sick with XXXX and I do not need any stress according to my doctor, but it seems there is no getting away from it! I am sending this forward without talking to customer service again. I will update if and when I actually get to talk to someone. I have been on the phone since XXXX XXXX this XXXX  with all kind of phone calls and problems from health to trying to work of which I can not do effectively. I keep getting interrupted from collection agencies. Finally, someone else to talk to! XXXX answered and she said she was sorry and she said will process closure of account! I would not get money back for 10 weeks! I would have to fax to expedited and would not give me the card number of card but I could use SSN. I requested validation of closure id number. XXXX. She hung up on me before the conversation ended and I was requesting documentation of all this via email. Not sure she heard me! I still want it in writing.
Complaint sub-issue: Contacted your employer

ON WEDNESDAY XX/XX/XXXX ... XXXX XXXX XXXX SENT A GARNISHMENT TO MY EMPLOYER. I DID SOME RESEARCH AND REALIZED THE JUDGMENT WAS DISMISSED. THEREFOR I WAS NOT RESPONSIBLE FOR THE DEBT ANYMORE. THEY ARE TRYING TO COLLECT FOR A JUDGMENT THAT IS DISMISSED AND THERE IS NO GROUNDS FOR THE GARNISHMENT. THERE IS ALSO NO JUDGMENT ON MY CREDIT REPORT HISTORY. I HAVE ALREADY EMAILED AND FAXED THEM A COPY OF THE COURT CASE THAT I FOUND ON OREGONS PUBLIC COURT XXXX
Complaint sub-issue: Debt was result of identity theft

UHG I LLC, XXXX IL filed petition through XXXX XXXX XXXX in Missouri Court ( Independence ) against me for the Credit Card Accounts i owe to XXXX XXXX XXXX XXXX according to them. ( court date set XX/XX/2020 ) Those Credit Card Accounts they are trying to collect was paid by Insurance ( as per one of the agent told me ) and i was also reported to XXXX about fraudulent charges those accounts. when i found out the fraudulent charges i closed those cards immediately and filed ID theft report and frozen all 3 bureaus credit file. 
XXXX never took any action for those accounts and i was default for those accounts due to job lay-off and send several hardship application but none of them accepted. I was advised that i am still liable for those accounts and i should take care and they threatened me if i didn't take care i will be in serious trouble, that's why i send hardship application and made 3 consecutive payments, but still XXXX sold those accounts to UHG I LLC. so now UHG is suing me for the money i didn't owed. 
XXXX now porting to XXXX  a charged off account which i never had ( credit limit XXXX ) this fraudulent account also i reported but they never deleted from my file instead they told me to send another ID theft report, i did that too.. XXXX  is XXXX my credit last few years and still doing same.. every time new charged off accounts, and when you talk to XXXX agent you will get different answers from different agents. some one have to stop this! 
.I am a federal employee with limited income.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} Equifax : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00}
Complaint sub-issue: Frequent or repeated calls

A company called MRS Associates called me without identifying themselves as a debt collector. I have no idea who they are and what alleged debt they are trying to collect. I don't owe them any alleged debt and their communication tactics are in violation of the Fair Debt Collection Practices Act.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are both alleging that the XXXX XXXX account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for Equifax is factoring data and collection on XXXX *Equifax reflects a past due amount of {$480.00} and XXXX reflects XXXX *Equifax reflects payment history as ok from XXXX ; XXXX reflects no payment history *The account number differs among the 2 bureaus *They are allowing XXXX to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with XXXX, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX sent my loan to Plaza Services LLC as i fell behind on my payment. I contacted Plaza Services LLC to settle the account on XX/XX/2021 in the amount of {$270.00}. This payment was made and the company informed me this account will be deleted from my credit report. This account is still reporting and I have contacted the company however they only sent me the attached letter and no update to my credit score as of now.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disagree with citibanks decision to decide the Case ID : XXXX in merchants favor and will further seek help regarding this case. The items I received is totally different then what was originally ordered. I made 3 documented attempts to contact merchants customer service and they never responded how to return it or how to proceed with further action so I had to file a dispute with citi bank and they decided it on merchants favor without investigating what was wrong with merchnadises I want to come to fair resolution in this case
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have freezes on my credit at all three reporting services because my personal information was released by Equifax in XXXX breech. 
On XX/XX/XXXX my credit freeze was removed by Equifax without my consent and someone tried to open credit accounts with my information. XXXX XXXX notified me about this. 
I contacted all of the companies that inquired and one contacted me. No credit was given in this case. 
Equifax had sent me a 10 digit code in XXXX after I froze my credit. 
In order to un-freeze my credit, I would have to call and give them that code. 
I never contacted Equifax but my credit was un-frozen. 
When I learned of this, I contacted Equifax to re-freeze my credit. 
It's an automated system now and all you really need to freeze or Un-freeze my credit is my SS # which is out there because of Equifax. 
I have placed a fraud alert at the 3 reporting services. 
Equifax freeze/un-freeze procedure does not protect my credit information.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Hi, recently I have completed paying my lease with VW Credit. Per my turn in settlement invoice, I have excess mileage that resulted in an invoice of {$12000.00}. VW Credit is asking me to pay this amount in full, however I advised them via email ( see below excerpt ) as to my financial situation and their response was for me to call them to discuss Original Inquiry on XX/XX/2019 XXXX XXXX  CST : Good Day, I am in receipt of the turn-In Settlement invoice for {$12000.00} asking for payment in full. Unfortunately, I do not have the ability to pay this amount in 1 lump sum. My original plan was to purchase the car upon lease completion, however, the local VW dealership was unable to get my application approved without a substantial down payment. Unfortunately, because I needed a car, I purchase another vehicle and opted to turn in the XXXX. This has put somewhat of a strain on my finances. At the present time, I can offer to pay {$150.00} per month until the debt is paid in full. In the event my financial circumstances change, I will pay more or pay the debt off much sooner. Please send written correspondence with your reply to my mailing address XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX FL XXXX Sincerely ; XXXX XXXX Subsequently, I called VW Credit on XX/XX/19and advised of the same. I was advised that they will only take {$400.00} per month instead of my offer of {$200.00}. I advised the representative that I initially tried buying this car but was unable because the few banks that approved me for financing wanted a very large lump sum down payment which I do not have. The end result is I had to buy another vehicle which puts more of a strain on me financially. Lastly, although the rep told me they don't offer payment plans of {$200.00} per month, I advised them I just recently paid off a prior loan ( similar situation ) however they still refused and threatened to place my account with a 3rd part collection agency. I value my credit and have worked very hard to build it to where it is today.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchased a product from a company XXXX XXXX XXXX, registered address XXXX XXXX XXXX, XXXX XXXX, CA XXXX - owner listed as XXXX XXXX. I never received the product. The total charged was {$160.00}. I reached out to the merchant multiple times. She responded once in the beginning stating that my order would ship the following week but it never shipped. The owner has since ignored all subsequent requests and contact attempts. I filed a dispute with cash app. They stated they filed the chargeback but the XXXX XXXX sided with the merchant. Thats not possible! In order for a merchant to win a chargeback dispute the merchant would have to show proof of delivery of the product. This merchant does not have proof of delivery and I never received the product!!!! Something isnt right. I submitted proof of my multiple contact attempts to this merchant showing her unresponsive ness, her phone lines were disconnected, her website was down for a period of time due to a billing issue and now its back up. I want my money! Cash app is unorganized and I cant get through to talk to anyone! The next step will involve my attorney, cash app, and the merchant. Cash app has been negligent in properly investigating the dispute. I want proof of the investigation and the results!
Complaint sub-issue: Problem making or receiving payments

Hello, I requested recurring online transfer from my Business checking account with PNC Bank. During payment scheduling, I selected wrong account with the same bank. 

Now, I am trying to STOP IMMIDIATELY ALL RECURRING PAYMENTS from the wrongly selected account. I tried deleting online but do not see delete option. I called bank 's customer service and she said that she can not do it and I have to wait till the Delete button becomes enabled.I also tried sending them email but they do not receive email complaints. I have accounts with other bank they are always available.IS PNC BANK IS IN DIFFERENT LINE OF BUSINESS THAT THEIR ENTIRE STAFF IS NOT AVAILABLE ALL THE TIME TO CUSTOMER AND NOT RECEIVE ANY COMPLAINTS??? Hard to believe this non sense. 

I need help here and stop it asap.I must have tried calling bank at-least 10 times but you get standard recorded response and no one helps to resolve such a small problem. This is an issue with the PNC ban 's system. 

I am really tried calling bank but no success. I am not left now with any other options but to file a complaint. 

Thanks, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. it has been well over 30 days, and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has beenwell over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.