Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

The problem its with CONNS XXXX. At the time of the purchase. They give me two lines of credit. Spread the total between both accounts to I dont see the extra insurance and warranty they add without informed me. When I get late, they add a huge amount of interest and call me everyday about 8 to 12 times a day. At the time of the purchase 3 years ago the cost was {$5800.00} and as todays day I have pay {$3900.00} and they said Im still own to them {$7100.00}, how its this posible?
Complaint sub-issue: Their investigation did not fix an error on your report

Sent Inquiry removal letter to Equifax after trying to contact creditors to no avail. as Equifax told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. Equifaxes customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

Called Customer service during XX/XX/XXXX. The reps all noted that I have satisfied the purchase requirement required for the XXXX XXXX XXXX account Promotion of 50,000 points ( {$3000.00} purchase within 120 days of account opening ). The rep sent this request for further " research ''. 

However, after few weeks, I received letter stating that I did not meet the requirements. 

Called Customer service again during XX/XX/XXXX. The reps all noted again that I have satisfied the purchase requirement and will send it for further " research '' one more time. However, it is still not resolved after several weeks. 

XX/XX/XXXX Account Opening Purchases Made from : XXXX {$120.00} XXXX {$2400.00} ( Purchases ) XXXX ( Credit ) = XXXX XXXX {$530.00} Total {$3000.00} I have satisfied the purchase requirement way before the 120 days, but their " research '' kept saying I did not meet minimum requirement. They have continuously ignored a detailed manual calculation and only relied on their system number which is in error by their " research '' team.
Complaint sub-issue: Account terms

Equifax mortgage solutions continues to report incorrect information on my credit report.They are reporting items as late that I have not had since XX/XX/XXXX.My report changed within a month to reflect items that are XXXX yrs old to be reported as late payments as of XX/XX/XXXX.They have also added items that were previously removed due to being reported in error.This incorrect reporting not only caused me not to be able to obtain a mortgage but caused me to be place on un paid job leave for 90 days which will ultimately result in permanent job termination if the items are not corrected.I have been working really hard for the past 4 yrs trying to repair my credit and made sure every payment to every debt, credit card or loan I have is paid on time or early but all of my hard work has went down the drain due to the incorrect reporting and now I can potentially loose my job.
Complaint sub-issue: Personal information incorrect

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX  please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my credit report I noticed that your agency have an inquiry on there from XXXX XXXX XXXX on XX/XX/2019. This is an unauthorized inquiry and I did not authorize or gave consent to this company. I do not have an account with XXXX XXXX XXXX neither have I signed or have any recollection of signing any documents with this company. This need to be investigated to show how this company got accessed to my file without y knowledge or consent.
Complaint sub-issue: Information belongs to someone else

CFPB Write up n accordance with the Fair Credit Reporting act 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. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Macys/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be corrected and deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be discarded right away : 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: Information belongs to someone else

remove address not mine XXXX XXXX XXXX XXXX XXXX everthing not XXXX XXXX  XXXX
Complaint sub-issue: Application denied

I am a federally protected consumer who was discriminated and discouraged against by Discover and they are now in violation of the Equal Credit Opportunity Act as per federal law I can't be denied my right to extend credit. I will be reporting this matter to the XXXX. Discover discriminated against me on the lines of a consumer report that they had obtained from a consumer reporting agency a consumer report that I never gave consent to not authorized which is identity theft but also for taking such adverse action on the grounds of that consumer report obtained they are also in violation of XXXX XXXX XXXX that stated an adverse action does not include and can not include and be on the grounds of information obtained in a consumer report
Complaint sub-issue: Information belongs to someone else

TTN Fraud Department : Remove fraudulent accounts from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft.

I had request to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked for the credit bureaus to reinvestigate the reporting of this account. I sent letters to them on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 but the account was not investigated properly. 

Equifax is not providing complete information and the monthly payment and limit. There are also multiple 120-day late payment in the payment history which are wrong.

XXXX failed to include the monthly payment and limit. The payment history shows multiple CO marks which are inaccurate. Why do they report this as collection/charge off when Equifax reports this as Late 120-day? Clearly, this shows inaccuracies.

XXXX also missed reporting the monthly payment, credit limit and payment history.
Complaint sub-issue: Public record information inaccurate

Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information remove Chapter XXXX Bankruptcy Discharged XXXX
Complaint sub-issue: Reporting company used your report improperly

Unauthorized illegal theft altering identity with credit reporting agencies. Violated my rights as a Consumer of my privacy. With out my consent. I gave no written permission instructions for identified transactions on consumer report. I am requesting identified transactions of information be blocked and deleted. This is my request as the consumer. 
You are required to do what I am asking and block these transactions from being reported to my consumer report with in ( 4 days ) from the date of the receipt of this Notice. I look forward to your response. 
Thank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised I am requesting validation made pursuit to 15 USC 1692g Section 809 ( b ) in which I am requesting proof that I am indeed the party you are asking to pay this debt and that there is a contractual obligation that is binding on me to pay this debt.
Complaint sub-issue: Account status incorrect

Equifax reporting a XXXX XXXX account late 10 months after the account closed. Comments read : ( 30 days -2 ). The account was closed XX/XX/XXXX. They are reported late payments on XX/XX/XXXX which is 10 months after the account closed. All payments made on time. See attached documentation from XXXX XXXX. 

I have tried to rectify this with Equifax : 1 ) filed dispute on XX/XX/XXXX, faxed paperwork on XX/XX/XXXX and XX/XX/XXXX ; called and spoke with Equifax rep in XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

This needs to be rectified ASAP as this account is from 4 years ago. 

Also, XXXX and XXXX recorded accurately. See commentary in previous disputes with CFPB. 

Thank you.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Complaint sub-issue: Problem with customer service

I have worked at a non-profit organization since XX/XX/XXXX. Since XX/XX/XXXX I have paid on-time payments each month. When I initially started making payments on the income based plan I realized my total overall amount was increasing due to interest. I called XXXX and was advised that I could change to the standard payment plan, and that this plan would still qualify me under the PSLF program. Again, since XXXX I have paid on-time payments, never missing a payment, or being late for a payment. I am now told that none of these payments qualify under PSLF. I am beyond disappointed and feel this is unfair and unjust. Again, I was told by XXXX that I would qualify for PSLP as long I my payments were on-time for 120 payments. I have attempted to speak with someone via email multiple times regarding this issue, but am only given a very generic response.
Complaint sub-issue: Trouble using the card to pay a bill

I had XXXX and on XXXX XXXX I paid XXXX XXXX on two transactions 1 ) for {$100.00} 2 ) XXXXXXXX XXXX said they never got the money as of yesterday!! XXXX said they tried to take XXXX dollars and it was returned.So that mean Card.com never paid XXXX the money. XXXX  turn my services off because of it and I ask for a refund of my XXXX .... I call card.com to file a dispute a they don't want to transfer the call to the dispute department.
Complaint sub-issue: Information is missing that should be on the report

Equifax removed my current and previous address from my credit report. I contacted the representative at Equifax and was told my correct address and previous address will be added to my credit on Equifax and they have not done so even though i sent in my ID, Social security, a banking statement showing the current address. Because of this inaccurate and incomplete information my Leander for my mortgage company was not able to get my credit. 

I need the current and previous address to be shown as follows : ADD MY CURRENT ADDRESS XXXX XXXX XXXX XXXX  XXXX FL XXXX ADD MY PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Information belongs to someone else

I ___, I am a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$3500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX {$2500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$1000.00} We paid the company " XXXX XXXX XXXX XXXX painting  company and never received services rendered. We are on vacation for 7 days and they said that they started painting our house and set pictures that it was almost complete just to come home to a home that was never painted and we have fought and tried to solve it with the company but it one excuse after another with them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXate Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

AES - Cosigner for daughter 's Private Student Loans During the summer of XXXX, my daughter requested and was approved for an MGRS - modified payment arrangements on her student loans cosigned by myself and her father. 

Although approved in writing, the monthly payment amounts were not reflecting the agreed-upon amounts. We were concerned as we understand the impact of late Student loan payments. 

After many calls to AES and many promises to fix the problem, it was finally discovered by a Supervisor they had made an error. My daughter was never eligible for an MGRS to begin with, which was the root cause of the agreed-upon payment amounts not being reflected on our statements. 

By the time the error had been discovered, 26 of her student loans were reported to the credit reporting agencies and impacted both her credit score and mine for months XXXX, XXXX, and XX/XX/XXXX. 

The loans were all brought to current and it was recommended by an AES Supervisor to send a credit dispute form to request the 26 late payments be removed from our credit report. 

This was done XX/XX/XXXX, and a response was received stating in part " ... Based on this review we sent corrected information to the consumer reporting agencies to which the information was previously reported for the loans listed .... ''. 

We thought great, they have done a good job correcting an error they had made. It was not until I pulled my annual free credit report in XX/XX/XXXX, did I discover what they really did. Instead of removing the late payments as we thought, they only put a comment on each of the late payments of " Consumer disputes after resolution '' on our credit reports. This fixed nothing at all so, I sent yet another letter in XXXX XXXX..Their response was they are not going to do anything further with the issue. 

AESs errors have severely impacted our credit ratings negatively and they are not willing to remove our late payments for XXXX, XXXX, XX/XX/XXXX for the 26 student loans. 

Please, anything your organization can do to help would be appreciated.
Complaint sub-issue: Company closed your account

On XXXX XXXX XXXX XXXX closed my account without warning. They are also reporting to the credit bureaus of this action and also late payments, which I did not consent for them to report to any credit bureaus according to consumer law. Further more the card had a limit of {$300.00} and now they are saying I owe {$500.00}. how is this even possible? I never went over my limit.
Complaint sub-issue: Debt was paid

XX/XX/XXXX I bought a jeep and financed with US Bank. XX/XX/XXXX, I refinanced with XXXX XXXX. I mailed the payoff check with my account number on the check to US Bank to the address that I always sent my payments to. 

Well, US Bank never cashed the check. They said they never received a check. I had the receipt from the post office with the tracking number that said the check was delivered on the third day after mailing it. 

Since they never cashed the check, and I had refinanced thru XXXX XXXX, I was told by US Bank that I needed to make payments to them and at the same time make payments to XXXX XXXX. Well, that just was not a option so I made my monthly payment to XXXX XXXX since they would be my new Lien holder.. 

The people at XXXX XXXX were very helpful and knew what was going on they wanted to help but there was nothing they could do until after a certain number of days to make sure the check was n't cashed. 

Then finally those days past, US Bank still never cashed the check. So I went to XXXX XXXX and signed a bond for them to cancel and issue a XXXX check.. 

Two days after I signed the bond, XXXX XXXX calls me and tells me they received a letter with the check that I mailed to US Bank. The letter was addressed to me a XXXX XXXX. The reason it took so long to locate the check was because nobody with my name worked at XXXX XXXX. 

Some how they opened the mysterious letter and figured it out. The letter that was included with the returned check said they could not apply the pay off check to my loan account because I mailed the check to the account payment address and not to the pay off address. 

Now, after about three months later and finally receiving the returned check that I canceled just days before.. US Bank added several late fees and other charges to my account that I did n't feel was fair. 

Had the person that received the pay off check applied the check to the account, it would not have been late. If that person would have mailed the payoff check to the payoff address instead of returning the check to XXXX XXXX, it would not have been late. 

Finally after talking to the guy at US Bank and emailing him copies of my paperwork and payoff check, I was told that they would remove the fees that were added to the account. 

They removed the fees but did not fix the late payments showing on my credit reports. On my credit report it shows the account status as a PAID CHARGE OFF. But it was not a charge off, it was paid off and all payments were on time. 

XX/XX/XXXX, four years later it still shows as a CHARGE OFF, so I disputed the charge off. Now, the updated the status from charge off a few years ago. Now it says CHARGE OFF IN XXXX XXXX. 

I tried again this month to dispute the charge off. And US Bank reported back to the dispute that the information is reported correct and remains CHARGE OFF IN XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

Through the 2017 security breach, some amount of my personal information was released without my consent. Because equifax has all my credit-related information, this is valuable information to identify thieves. Use of this information by thieves would be a significant financial burden and inconvenience that could lead to lost time, money, and credit standing. 

I believe equifax took too long in informing the public of the breach which increases the likelihood of the stolen information spreading to thieves.
Complaint sub-issue: Public record

You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 


Consent to publish the description of what happened? Consent provided
Complaint sub-issue: Company closed your account

Citi pr estige Account was CLOSEd by  Citi VP   XXXX   XXXX , ruthless employee.       LOTS  XXXX  of REWARD points due to a HOSTILE employee  XXXX   XXXX   ! !!       1. D enied access to  XXXX  reward points both online and on phone.    2,   XXXX  reward points are equal to {$1300.00} in travel value.      Citi ha s BLOCKED me from every opportunity to access my reward points forcing a SEC complaint and lawsuit.      XXXX   XXXX  is a ruthless employee who is retaliating aginst  me. Citi Th ank You employee said ONLY writing into  XXXX   XXXX  about account but said it can not be opened again forfeiting ALL EARNED reward points.  XXXX  is a BULLY.      Citi T hank YOu online response. Service center REFUSES to HELP!!       " We do n't recognize y our Sponsor Account number. Please verify the number and try again. If the problem persists, please call our Service Center  at  XXXX   (   XXXX   ).  The  ThankYou Service Center  is open from Monday to Friday,  XXXX    XXXX   to  XXXX   XXXX  ET and Saturday and Sunday,  XXXX   XXXX  to  XXXX   XXXX   XXXX .     If you are attempting to add you r Citi PremierPass  /  XXXX   XXXX   XXXX  Card to an existing account but are experiencing problems doing so please  call the ThankYou Service Center. ''