Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

I disputed the negative reporting related to XXXX on my credit report. They updated it to show as paid ( {$0.00} balance ) but still show it as a serious delinquency due to paying late. This has negatively impacted my credit score. It took us a VERY long time and a lot of work to get a final bill with detailed charges from XXXX and once we finally did we paid it within a few days. It is the creditor 's responsibility to provide the consumer the information they need to understand if the charges are valid and since we did not receive this we do not want the late/delinquency reported on our record. Here is more background. I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the XXXX their collection agency XXXX XXXX XXXX XXXX contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the XXXX years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone with XXXX and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. When they finally did send me the bill I paid it ( plus the collection fee ) in a very timely manner. However, I have a significant problem with XXXX not providing me the information to know whether the debt was valid and then reporting it as late/delinquency on my credit report. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.
Complaint sub-issue: Transaction was not authorized

An unauthorized charged to XXXX for {$34.00}, and now my account is still is negative XXXX when I put {$20.00} in my back account on XX/XX/20 at XXXX when it showed XXXX negative. I submitted fraud when I say the account negative. I reported to XXXX than spoke with another rep XXXX that works in fraud department. I do not have any business with XXXX  the only and I do not use the account for anything but to deposit cashier check to pay my mortgage I have never made any transactions with my debit card but one to use the ATM for XXXX I think a representative at U.S Bank gave information to XXXX. Can please looked at this.
Complaint sub-issue: Account information incorrect

Student loans reporting all inaccurate information. The loans are up to date and rehabilitated. XXXX XXXX Trust, Department XXXX, XXXX, & XXXX XXXX. Please update my Student loan information to reflect the true accuracy. Since there are so many errors reporting on loan information I asking for all other adverse be updated. 
XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX are all paid as agreed and have never been delinquent on the dates listed on my credit reports.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX acct # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

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 and purpose.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter which in regarding inaccurate and unknown things on my credit report, and tot his day thats over 60 days later I still have not received a response yet. I feel like I am being taken advantage of and being completely ignored of my disputes. By law, of Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days, then it gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should have been deleted promptly. I demand that these accounts be deleted immediately or I will definitely file for litigation due to the XXXX that you have caused me. My information was also impacted by the. Equifax data breach and may have got into the hands of a wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my third attempt to resolve this issue through the CFPB. 
Equifax does not keep accurate records of my credit report. I shows different lenders different reports. One report from XXXX shows most of my active accounts ( 8 ). I pulled my current report from equifax website which does not show 6 of my currently active accounts and reflects a score of XXXX. When applying for credit in some instances my score ranges from 500 to 650 from equifax due to incorrect information. Im not sure why accounts sometimes disappear then reappear at a later time. I'm attaching two recent reports from equifax to show the discrepency.
Complaint sub-issue: Information is missing that should be on the report

I purchased a vehicle in XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX. I notice problems with the vehicle. After mutiples failed service appointments, I retained a lawyer who classified this vehicle as a Lemon under California Law. In XX/XX/XXXX, XXXX of XXXX deemed this vehicle unsafe to drive and issued a recall notice. See attached. Letter. I received a Settlement from XXXX of XXXX for my troubles and I has the car returned. As of this date, this account still appears on my credit report and also reporting as a repossession. I wouls like to request this line removed from all three credit bureaus as soon as possible as it was agreed upon with XXXX XXXX XXXX XXXX XXXX XXXX. Elclosed are the letters. On XX/XX/XXXX settlement was finalized.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when i recently reviewed my credit report and found LATE payments on the dates below : Creditor : Midland Mtg/Midfirst Acct # XXXX I was never late 30 days late in the months of XXXX and XXXX. 

I'm not sure how this happened, I have always made my payments on time when i received my statements.My only thought is there was a billing error with my statements. Or recent statements going to and old previous address.
Complaint sub-issue: Trouble with how payments are being handled

Hello, I 've been dealing with XXXX XXXX XXXX for the past 6-months. I 've worked with XXXX XXXX XXXX  XXXX XXXX ( a XXXX ) organization for the past three years. I recently found out that they have not been counting my payments towards loan forgiveness over this period. 

I 've been writing them and working with them consistently and finally got a determination that I have qualified for 13-payments. I 've been working for this XXXX for 37-months. I agree that my first year of payments should not count as I was working as an XXXX/XXXX XXXX XXXX fellow and did n't apply my award in a lump sum award. However, the other 25 months I 've worked at my organization should be counted towards forgiveness. 

After my determination, I asked why they did not count the other 12-payments and they simply sent me a chart but did not give me a determination as to how or why they came to this. Similarly they stated in a chart that there were 11-months that they received no payment yet I again have documentation of this. 

Then, they attached a chart which said they did not receive full payments. I have bank records and other documentation showing this is completely false. I truly believe they are lying intentionally. 

They 've said multiple times they 've never received documentation from me but yet I have copies of these things. I would like assistance getting to the bottom of this issue.
Complaint sub-issue: Account status

I tried to resolve the issue with payments online message center to resolve the issue and I 'm not making any progress and I tried to dispute a XXXX day late payment XXXX even though all my payments have been received. I was XXXX days past the due date in XXXX and XXXX and they reported me 30 days late. I believe a double payment was applied towards the principal. I also am being charged a higher interest rate of 27.900 % for not receiving a minimum payment 60 days from the due date of XXXX/XXXX/2015. A payment was due on XXXX and paid on XXXX however ; the statement from XXXX XXXX to XXXX XXXX, 2015 the payment was n't applied- until the next statement- which they state is XXXX days from the due date. Which is misleading and confusing. That is not 60 days- and inaccurate. The statements are made to be confusing to the consumer as when a payment is accurately considered 30 days late. Is it considered 30 days late from the month its paid in or is it late from the payment date on the XXXX th of each month? Please explain. 
I sent them this letter on XXXX XXXX, 2015 : In reference : XXXX day late payment dispute for XXXX 2015-XX/XX/XXXX 2015It has come to my attention that after looking at my payment history there may have been an error on your part in the application of my payments. At one point it appears that you may have not prepaid my account, as I specifically requested and that you have applied a double payment towards the principal, again contrary to my expressed will. Please provide a detailed payment history including dates, application to principal, interest and late fees immediately upon receipt of this request. I will compare the dates and the amounts to my records to determine where this discrepancy aroused. At this point I believe this to be just a bonafide error on your part however ; as it has resulted in a XXXX day late to my credit profile it is a serious matter. Please provide this documentation immediately that I may determine where the application of a double payment to my principal balance as opposed to the prepayment of the next payment arose and thereby your bonafide error was manifested. Again at this point I will review this matter with my Attorney with the understanding that should this be cleared up in an expeditious fashion, there will be no fair credit reporting act violation and no fair debt collection practices violation. 
Thank You for your immediate attention in this matter,
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my private information which puts me and 209,000 other people at risk. I am listed as a potential victim according to their website - equifaxsecurity2017.com - and I would like a resolution. I 've worked hard to build my credit as a XXXX year old, I 've worked hard to maintain a good score with a good history, and now all of that is at risk because of gross negligence by this company. Now I have to pay a fee to freeze my credit because of incredible incompetence, since my SS number, DOB, address, CC numbers, and possibly even driver 's license number are likely indexed as, at this point, they 're public information.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Open account with CONNS CREDIT CORPS on XXXX XXXX XXXX XXXX XXXX XXXX. I return merchandise back to store at XXXX XXXX Mississippi store I have a invoice where I return it they have reported me to XXXX for a total of XXXX I have received about XXXX calls from them I have screenshot the phone calls before XXXX I have faxed over the invoice where I took merchandise back I agree to pay restocking fee of XXXX dollars I have call them maybe XXXX times and they give me run around they should not have reported to credit agency for the amount above I had talk to several of their employees they said they would take it off but have not they have called me so many times i faxed them copy of invoice like they ask me 3 times
Complaint sub-issue: Account information incorrect

Equifax ; XXXX and XXXX are not researching and properly reporting that the following accounts listed are in fact in dispute. These accounts are : XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX - XXXX ; XXXX - XXXX ; and XXXX - XXXX. ( Please see attached pages from my credit report. ) All of the accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in fact in dispute.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXX XXXX AR XXXX XXXX Account number XXXX XXXX of XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXX  Account number XXXXX XXXX XXXX XXXX Account number XXXXX XXXX Has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Attempted to collect wrong amount

Refusal by Macy 's and representative Citibank to provide sufficient information to allow debt repayment. 

I have been attempting to make arrangements for payment of a debt I owe through XXXX Debt Consolidation Agency. Macy 's has changed their account number system and has rejected all proposals because of either " not enough information '' or " invalid Account Number ''. I am attaching the denial notices issued to XXXX. 

I am unable to reach Macy 's Credit Department, serviced through Citibank to obtain sufficient information to either make arrangements to pay this debt or for XXXX XXXX to submit a letter of proposal. The offices are only open from XXXX - XXXX and every time I call, I am disconnected. ( See attached for further explanation )
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccurate account on my Credit Report and regardless of the multiple written requests, NELNET LNS is still being reported reporting on my credit report in violation of Federal Law. They failed to comply with 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.
Complaint sub-issue: Information belongs to someone else

I am having many problems with the 3 Credit Reporting Agencies/Bureaus XXXX They are mixing my file with someone who is deceased. I have disputed this with them for the past year and they have not corrected the accounts. Equifax will not even report a score and XXXX sent me a letter saying that they have me as deceased even though they show me making ontime payments on my own accounts and late payments and collections on the ones that are from the deceased person. 
These issues have caused me and my family great difficulties and stress for the past 5 years. I have sent proof of my identity with documentation and pictures with my Florida issue Driver 's License. They have either not responded or ignored my requests or simply told me it's been verified with sending proof or an explanation of how it was verified. Please help me resolve this matter. The pandemic has taken a toll on our family. Both financially and physically and I am unable to apply for a loan because of their inaccurate reporting.
Complaint sub-issue: Billing problem

This auto loan was a joint account. Opened in XX/XX/15. And we contacted the loan company to resolve this once the other party took over the loan.
Complaint sub-issue: Information belongs to someone else

There are a lot of negative items in my report that resulted from my personal information being leaked and used by someone. I sent multiple letters to the bureaus but it has been more than 30 days yet they never sent me a response.
Complaint sub-issue: Information is missing that should be on the report

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Complaint sub-issue: Problem making or receiving payments

On XX/XX/XXXX my wifes account ( XXXX XXXX XXXX ) was debited {$170.00} from a check that was issued originally in XXXX of XXXX. The check was a part of a deposit to XXXX XXXX ( our business ) in the amount of {$740.00}. A computer glitch as I have been told occurred effecting many of First Horizon costumers. The next day XX/XX/XXXX they corrected their error and took the funds from XXXX XXXX. However, they have failed to refund the money removed from my wife account ( as of today XX/XX/XXXX ) and others that was effected by FH. I have tried many times to get FH to correct their mistake, they have not. The answers I get is for us to contact our other bank XXXX XXXX  and have them request a correction be made on her account. They have also said that I should not worry about these other people unless they contact me first. Only one person has gotten their money returned to them. This not a very good business practice in my opinion.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having an issue to the three major credit report agency with regards to the issue of my SSN being blocked by Equifax. Can be possible to dig deeper when investigating the said agency. From the people, company till the network provider, network system and security, same as who runs the business. Sorry for all my demands. Being a victim of identity theft. Same thing with the XXXX XXXX of XXXX XXXX XXXX XXXX.i
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Don't agree with the fees charged

I am a senior citizen and  my sss chec k was garnished  by ECMC for a st udent loan I had nothing to do with. I never heard from ECMC until I discovered that they was responsible for this invasion of my privacy and identity theft of my personal identifiers, namely my social security number, my date of birth to fraudulently take money and I must say badly needed money for mere survival from my check.Had they exercised due diligence they would have known that this was not a loan of mine. when I spoke with them about adhering to the FDCPA laws they stated that it does n't apply to them when in  XXXX  V. ECMC the  XXXX   XXXX  clearly stated that they  ECMC are  subject to FDCPA laws as a debt collector. Now being that they are aware of this ruling they are using deceptive trade practice to deceive the consumer and to defraud them out of their hard earned money, plus praying on senior citizens of which I am.Had I not discovered their deception they would have taken over  XXXX  dollars from  me.ECMC  have also violated La Deceptive Trade Practice laws and Civil  RICO  statures by scheming with  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX ,  N > Y >  and  XXXX  and   XXXX   XXXX   XXXX   XXXX    to   defraud me out of my money, they also drag the TREASUR Y Dept into this  scheme and t he social Security Administration.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted my dispute letters on XXXX XXXX and was informed that they have not received my letters, I am submitting my letter through CFPB to ensure that they are delivered.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX  Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. It's also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 [ A7 { 1 ) A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate