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

I sent in the payment that was due for the month. The payment contained a little extra with a note, " apply excess to Loan XXXX. '' Instead of applying the amount due to each separate loan and the extra to this specific loan, it applied it all to Loan XXXX. We received calls saying that it was past due and asking to collect. When asked the last payment they could see that it was improperly applied. We were then told to change where we sent the money and to add the -XXXX at the end of the payment so that it would be applied to all. The -XXXX has already been added as requested earlier as this has happened exactly the same way for the last 5 months. We had been told to send it to the Exceptions Center and that this should solve the problem. We have been doing that. We are now being told that we should send it the regular processing center with -XXXX and that should solve the problem. Yet, we already send it with -XXXX and it is still not processed appropriately. This has been a recurring problem since XXXX 's payment was mis-applied. The same thing has occurred each month since. We get multiple collections calls asking us to pay for what has already been paid and that Citibank has been unable to process correctly. When speaking with representatives they give contradicting advice to solve the problem. We have spoken with someone who stated they would make sure the check was applied correctly after we filed a complain previously, and yet that was never done for that month. Even after following what she told us to do to do, the problem continues. We feel harassed. We get the calls on Saturdays, Sundays, and holidays. Several times the representatives have refused to speak to those authorized on the account and asked for personal information that was not necessary to give over the phone. The most recent representative who called to collect was respectful and did try to help. His information did contradict what was given previously. It seems as if they would prefer us to not pay extra to solve the problem. We understand we can only pay a little extra now, and yet do not want to be penalized for paying extra.
Complaint sub-issue: Public record

I filed a bankruptcy request in XX/XX/2009. I decided to withdraw the bankruptcy and paid all creditors in full. The records show the bankruptcy request was dismissed XX/XX/2009, which was immediately after filing. 
Both XXXX and XXXX deleted this derogatory info upon request. 
Equifax treats it like a regular bankruptcy and will not delete it. This greatly affects my credit capabilities. I have a stellar payment and credit rating otherwise. 
I have had a statement attached to this negative report, and the person who input it misspelled several words which make me look even worse. 
There is no purpose served by not removing this filing. It was filed prematurely and immediately withdrawn without any adjudication. I need this entry deleted as the other bureaus have done. 
I am a XXXX veteran and I need my clean credit rating. 
This is the only negative on any of the credit bureaus. 
Please help me! 
Thank you.
Complaint sub-issue: Debt is not yours

Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I've attempted so many times to reach out to this company but they refused to provide me any details. 

Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section XXXX XXXX ) ( XXXX ) : I will expect a written reply within the required 30 day timeframe.
Complaint sub-issue: Account information incorrect

My exhusband defaulted on his credit card with XXXX XXXX. 

When my divorce judgment was finalized and filed with the court in XXXX of 2017, I telephoned XXXX XXXX and requested that I be removed from what I believed was our joint credit card. XXXX reported to me that it was not a joint account, but I was a signer on the account, therefore I had no authority to remove my name from the account. 

The divorce judgment clearly gives my husband all XXXX accounts. I was a joint holder of a XXXX checking account and a savings account. In that I did not sign any document to remove my name from those accounts, it would be reasonable to conclude that my exhusband used the judgment to remove my name from the accounts, therefore, XXXX is aware that I am not an owner on the credit card and that the debt was awarded to my exhusband. XXXX has willfully and intentionally reported this bad credit on my report. 

I applied for a loan and due to XXXX 's reporting of over {$24000.00} in bad credit on my credit report, was denied a fair and appropriate loan.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXXr old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

an auto loan is reporting under my equifax credit reporting agency, this is an inaccurate information, this does not belong to me, l please help me in this situation, since i have already obtained a police report, and the FTC report, i have been providing these documents to equifax for several times but they have not been helpful at all. as a consumer i am turning my wheels towards you and i need your help, please find attached the same documents and you will see for yourselves thank you for your help
Complaint sub-issue: Frequent or repeated calls

Today I received a call from EOS-CCA, a collection agency regarding a student loan in my daughter 's name. I am not a party to this transaction. I filed a complaint regarding XXXX XXXX XXXX continued calls ( XXXX calls to me ) after I informed them I am not a party to the transaction and to stop calling me - see complaint # XXXX. 

In XXXX response they stated the turned the transaction/collection back over to the bank, now I am getting calls from this company! 

I told them the same thing, and asked them to stop calling me which they said they would. 

My problem with these tactics is that the bank/lender is shopping this around to new collection agencies and we start anew each time and I get harassed over and over. 

Should the bank be responsible to notify the collection firm that I am NOT the debtor and not to contact me. Likewise, is the bank responsible for my ongoing harassment as they are providing my contact information to these firms and I have NO relationship with this bank. 
SincerelyXXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We were notified of a security incident by XXXX on XX/XX/2021 that involved my discover credit card. I called Discover immediately to report the data breach and found that there was already an unauthorized charge of ~ {$150.00}. I requested Discover to close the account and to diallow the charge. The rep promised to take care of both. A week or two later I received a new discover card. I called them again telling them to close the account, and told them that I did not request a new card. I asked the rep to check the account balance and was told there was ~ {$150.00} balance on the new card. It turned out that someone at Discover not only opened a new acct for me w/o my approval, but also transferred the fraudulent charge to the new acct. I requested the rep to close the new acct and explained the history of the charge. I got same promise. Then few weeks later, I received the statement of the new card still showing the charges. I called again and was promised that all will be taken care of. I countine to receive emails reminding me the balance is due and they eventually processed the payment yesterday ( I set up automatic payment ). 
My online acct has been locked since I reported the fraud so I couldn't access my acct info anymore. This is way beyond reasonable. Please help get my money back.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Company ran my credit multiple times
Complaint sub-issue: Debt was result of identity theft

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Complaint sub-issue: Information belongs to someone else

I have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 ) XXXX  XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}
Complaint sub-issue: Debt resulted from identity theft

XXXX came in my absence from my XXXX home atXXXX XXXX XXXX, XXXX. It was observed by my property manager that the destruction that ensued was major and costly to repair including holes in the wall, bending the aluminum opening of the sliding glass door to enter when it was locked and installing the cable modem on the wrong side of the room. My complaint went unheard, their only offer was to send someone, ( right, once a destructive burgler has entered your home, you MUST always open the door for them, on subsequent occasions, how about oh ... ... never ) They sited my agreeing to a contract ( no, it was not I ) it was someone who was NOT the owner of the residenceUnder NO CIRCUMSTANCES would I ever agree to have my home damaged ( I had just bought it, when this occurred ) Then they damaged my, NEVER LATE ON ANY PAYMENTcredit historyThis has already happened to me, but some strong negative reasons should be given this greedy, unresponsive, credit damaging company, to NEVER again do this to the next customer.
Complaint sub-issue: Information is not mine

Describe what happened so we can understand the issue ... 
I have told this company on multiple occasions that they have my info mixed up with someone else 's file : 1. My name is XXXX XXXX - it 's never been anything else. Please update and remove the alias. 

2. My address has been XXXX XXXX XXXX XXXX XXXX, FL XXXX for the past 22 yrs - Remove all other addresses because I 've never lived there. 
3. It 's showing several inquiries listed -- Please remove anything for the past 3 yrs as I have not applied for anything, I 'm a XXXX. 
4. The employment information is incorrect - Remove and I do n't wish to update.
Complaint sub-issue: Keep getting calls about your loan

I missed a phone call from Sallie Mae. Instead of them calling my co-signer they called two family members whose phone number I never provided. My account manager admitted she went through a third party find people connected to me to contact. She told the family members she was calling from Sallie Mae. I never expressed any permission for Sallie Mae to these phone numbers
Complaint sub-issue: Their investigation did not fix an error on your report

I have documented all previous disputes and correspondence for the past year of the reporting of several accounts on my credit reports. The latest was a notification ( attached ) to the CRA s of pending litigation if they continue to violate my rights. Equifax has responded ( attached ) and stated that these accounts in question are not being reported on my credit report without sending me an updated credit report that reflects these statements, therefore I ordered a copy of my credit report ( attached ) that clearly shows the items being reported and highlights their violation and false claim.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting actXXXX account XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
The following have also violated my rights to privacy by reporting hard inquiries that destroyed my credit rating without my written instructions. 

XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX via XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/2022, XXXX ( XXXX ) XXXX TypeIndividualPermissible PurposeXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( XXXX ) XXXX Type Location XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX TypeIndividual Location XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX CT XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX and XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX
Complaint sub-issue: Information belongs to someone else

I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed XXXX, XXXX & Equifax asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted from my credit report.
Complaint sub-issue: Not given enough info to verify debt

The company is reporting delinquency of payment on my credit bureau reports. The account was paid as agreed and never late.
Complaint sub-issue: Need information about your loan balance or loan terms

My Federal Student loan Principal Balance is showing as {$180000.00} which is impossible since that is way above the aggregate loan limits allowed. My loans originated back in 1996 and I have requested all of my original master promissory notes to prove that this is incorrect but have not received any of them. I have called, sent certified letters directly to them and no response.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

there is a item on my credit report that i can't identify and have tried to dispute the item but is having a hard time doing so with equifax, nor can i get the original contract or documents to prove accuracy of this item it's on my credit report from XXXX XXXX XXXX {$1300.00} i'm in need of information so that i can prove ownership
Complaint sub-issue: Debt was result of identity theft

I was a victim of XXXX  crime. I am not responsible for this account.
Complaint sub-issue: Personal information incorrect

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXXXXXX XXXX XXXXXXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXPlease delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.
Complaint sub-issue: Problem making or receiving payments

I went on a cruise on XXXX XX/XX/XXXX and used my XXXX debit cards for purchases onboard the ship which placed a several holds, ( XXXX {$100.00}, XXXX {$100.00}, XXXX {$80.00}, XXXX {$53.00} and XXXX {$10.00} ). Upon my return my charges were settled totaling {$290.00}. On XX/XX/XXXX the charge of {$290.00} posted however, the holds ( pending authorizations ) were not released causing my account to show overdrawn- {$180.00}. I contact XXXX and explained the situation and was advised I would have to wait XXXX  days and the authorizations would be released. On the XXXX, the authorizations were still pending so I called XXXX back and was told the original information was incorrect and it was not XXXX  days but XXXX business day. I called today XXXX and was told by a supervisor that the initial information was correct that XXXX  days is the hold time before release but since the funds were not released then I would have to wait indefinitely for those holds to be released or I would need to contact XXXX to have them send an email to have the funds released. This has caused a major financial detriment. I am concerned about XXXXXXXX XXXX transaction hold processes. If I am being told that the process is XXXX standard days and the authorization holds should be released and they see that has not happened, they should have released the funds however, they are saying they won't be released unless XXXX sends that email and if XXXX does not send the email the money will remain on hold. That does not seem fair to the consumer nor does it sound like a good way to conduct business especially with other people 's money. am at the mercy of this company unless I can convince the merchant to send that email.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX XXXX, 2017. I received a copy of my Equifax credit report. I noticed an incorrect address as well as an incorrect Date of Birth. I had a total of XXXX inquiries that i did not authorize. I called each company and they had no knowledge of my request to open credit with them and advised me to contact the credit bureau. I called into Equifaxs customer service and spoke with a representative by the name of XXXX. Badge number XXXX. He argued with me that it was my correct date of birth prior to researching and seeing that i sent in a copy of my license for a previous dispute with them. He updated my date of birth but refused to dispute any inquiries or the incorrect address that is listed on my report. He kept informing me to contact the companies and i had advised them that i contacted each and were referred to them. I then asked for a supervisor. He basically told me that inquiries are something that they keep track of and had no way of knowing if they were fraudulently processed or not. He stated he would not dispute them at all. I asked him do what am i to do, since youve been reporting the incorrect date of birth, wont remove an incorrect address thats not linked to any account on my report or help me get these inquiries removed. I was advised again to contact each company and asked them to have them removed, yet in the same breath he told me this is something that Equifax generates on their own and had no way of communicating with the companies.
Complaint sub-issue: Contacted me after I asked not to

This company calls about XXXX to three times per day and refuses to say anything ; it appears that someone is listening on the phone but I would hang up. Today on this day of XXXX XXXX, 2016 at about XXXX, they called and refused to say anything and after a few seconds they hung up. However, this time I called the number XXXX and they identified themselves as being Jefferson Capital Systems , LLC.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX, VA XXXX < -- ( WRONG ADDRESS ) XXXX XXXX XXXX XXXX XXXX, VA XXXX < -- ( WRONG ADDRESS ). ( XXXX ) XXXX ( XXXX ) XXXX < -- ( WRONG PHONE NUMBER ). XXXX XXXX XXXX WRONG NAME ). XXXX XXXX XXXX XXXX Closed. {$9600.00} written off. 
XX/XX/XXXX. 
XXXX XXXX XXXX Account charged off. {$3900.00} written off. 
XX/XX/XXXX < -- - Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. FTC violation. They are also in violation of over the 45 days to settle the FTC violation by law. XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX < -- FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report.
Complaint sub-issue: Didn't receive advertised or promotional terms

Good evening, i like to make a complaint to Best Buy Credit Card. I take the credit card about 1 year ago, may be. I bought a notebook and never had a problem. The last year i bought an XXXX  telephone. The seller never told me i have a promotion for 1 year and later the promotion finish, and the interest will be variable. This affect my credit in 4 points, they said they sent the information in the monthly extract but i change my address. Then, when i bought the telephone NOBODY told me the promotion will finish at 1 year. This is a fraud!! The telephone doesnt work good, i need to go 3 times for change, and they told me i needed to go to XXXX. I bought the telephone in Best Buy! Not in XXXX.! Finnally they change the telephone. Later i had a surprise with the bill. I maked a complaint and they give me 1 year promotion without interest. And they promised me than when finish the promotion they will renuew! I need they renew the promotion because these not are the conditions than they told me when i bouth! If you need more info or documents please let me know. Thanks! My email address is XXXX.