Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

I have had this account on auto pay from the first month I had it. They took out a payment of {$61.00} on XX/XX/XXXX as normal. Then there was no payment taken out on XXXX or XXXX that I didn't notice. They called me in XXXX and asked for me to catch up. There is no evidence of them trying to take out the payments from XXXX or XXXX. So there were no bounced payments. I paid {$180.00} on XX/XX/XXXX by phone. They took out {$94.00} automatically again on XX/XX/XXXX. I asked for them to remove the late payments from my credit they said they could not because they were reported accurately. This was an internal error at Discover Card it was not a mistake by my hand. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 XXXX XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

this is XXXX XXXX i 'm here to file a complaint again all XXXX credit reporting companies ever since last year i apply for a credit card from XXXX XXXX they pull my credit but the problem is they said my credit was locked by credit reporting companies they had no right to lock my credit so i could n't get my score they been messing with my scores they keep knocking off points from my score keeping me down in the XXXX i should have a good credit score i try to pay my bills on time i 'm trying to build credit but these companies do n't wan na give me a good score there doing fraud things to me and i want to find out what i can do about it i been trying to get all XXXX credit reports but they do n't wan na give me a report and score so i can know how my credit is doing they do n't post to keep you from getting a report
Complaint sub-issue: Public record

Equifax states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Equifax can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I received a call from Discover Card informing me that there was possible fraudulent use of my credit card. On XX/XX/XXXX I responded to Discover, reviewed some charges, confirmed that there were in fact fraudulent charges and cancelled the card immediately. Between XX/XX/XXXX and XX/XX/XXXX over 120 fraudulent charges totaling {$9600.00} were made with my Discover Card. Since that time : 1 ) I filed an Affidavit of Loss with Discover Card. 
2 ) I filed a Police Report with the XXXX XXXX, Ohio Police Department. 
3 ) The case was brought before the XXXX County Ohio Grand Jury by the XXXX County Prosecutor. 
4 ) The Defendant was indited on all counts and charged by the Prosecutor. 
5 ) The Defendant appeared before an XXXX County Judge and waived his right to a jury trial. He plead guilty on all counts. 
6 ) On XX/XX/XXXX The Defendant was sentenced to 30 months in prison for his actions. 
This has been going on for over 16 months and Discover Card still refuses to remove the {$9600.00} in fraudulent charges from my account. They refuse to acknowledge the fact that the card was stolen and used by the Defendant to commit a crime for which he has been since convicted and sentenced to prison.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX  XXXX Date Opened : XX/XX/2003 Balance : {$10000.00}.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 Credit file confirmation number XXXX I discovered Acct # XXXX *XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # _ XXXX XXXX XXXX XXXX had been re-inserted into my credit file. These accounts were previously deleted on XX/XX/2022 confirmation number XXXX. XXXX removed File confirmation number XXXX Per the FCRA Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. '' Please delete these items immediately.
Complaint sub-issue: Trouble getting a working replacement card

I destroyed my VISA Debit Card by mistake, the name of the Card was very irritating ( XXXX   XXXX XXXX - Part of my spouses name ) and I was thinking it is a fake Card.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows eight credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
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: Problem getting your free annual credit report

I have tried to obtain my credit report via XXXX from Equifax. 

I have done this weekly in the last 3 weeks. I have had no problems obtaining my XXXX  or XXXX  reports. Each time Equifax reports " Online Delivery Unavailable '' and they want a litany of mailed information. I called Equifax last week and there was a suggestion it may be related to a credit freeze, despite what I read on FTC and CFPB websites. I unfroze my account at Equifax. In trying again today at XXXX, I was again told " Online Delivery Unavailable ''. I am confident I am answering the security questions correctly because I am able to complete security for the other bureaus and because I have recent Equifax credit report to reference. I called again Equifax and explained the situation - answers from their representative suggested that they were not aware of the Fair Credit Reporting Act requirements and would not answer why their company could not fulfill the service requirement of XXXX. I asked to speak to a supervisor. At that point, the representative asked me to hold, and after a few minutes the call was terminated by Equifax because I was routed directly to questions about my satisfaction with the call, with no other options. Many other Americans report a similar obstructionist experience from Equifax but not XXXX  or XXXX  - https : //www.consumer.ftc.gov/blog/2020/05/credit-reports-are-now-free-every-week. 

I ask CFPB to interface with the leadership of Equifax and curb this galling and obstructionist practice especially in light of their breach of 150 million Americans information ( of which I was one ).
Complaint sub-issue: Debt is not mine

Attached CFPB response by XXXX states they can not validate debt providing the original terms of offering because account was opened in 1987. Account has been charged off. See attached Truth in Lending Act requiring creditor or debt collector to provide copy of written agreement that created this alleged original requirement to pay. XXXX continues to collect this debt that I never agreed to pay. See attached letter attempting to collect debt. I demand this harassment and continued violation of my consumer rights to be stopped.
Complaint sub-issue: Frequent or repeated calls

calls twice a day leave message or says nothing
Complaint sub-issue: Account information incorrect

ALLY FINANCIAL XXXX XXXX XXXXXXXX I opened an Auto loan with Ally Financial in XX/XX/XXXX. I had previous loans with Ally so I was a repeat customer. In XX/XX/XXXX the start of the XXXX XXXX pandemic the State of Maryland forced us to shut down my businesses. Me being self employed was facing the reality that I would not have any income for my family. I called Ally to explain the situation and was told not to worry they are giving people the option of not paying during this time and these payments would be applied at the end of the loan. I was relieved until XX/XX/XXXX when I got a notice on my credit report that I was 90 days late on my payment. I immediately called Ally and I was told that they were giving the payment deferral but I had to submit a request in WRITING. That is the part I was not told about. Thus my credit report reported the 90 day late which destroyed my credit report. At that point I scrambled to get enough money together to pay all the back payments to be caught up to date. I have been requesting that my credit report be corrected to reflect that I was not late because the company although they told me I was eligible for a payment deferral I was not told the proper procedures to obtain that deferral. I understand that was a very difficult time for all of us but I feel that error on the part of the company should not jeopardize my ability to keep my good credit rating. Eventually the XXXX credit report corrected the error. Unfortunately XXXX credit report HAS NOT CORRECTED THEIR REPORT. In XX/XX/XXXX I paid off the car. Unfortunately for me the 90 day late report is still on my XXXX Credit Report. I am requesting that Ally Financial correct my credit report even though my account has been paid off that they report to XXXX that my loan was PAID AS AGREED and remove the 90 day late. Thank you in advance for your time and effort in my request.
Complaint sub-issue: Information belongs to someone else

I am a Victims of Identity Theft. I Never Authorize this Account I want This Account Removed From my Credit
Complaint sub-issue: Account status incorrect

Hello I have a secured credit card from XXXX bank ( XXXX XXXX ) with {$200.00} credit limit. 
I opened this account on XXXX/XXXX/2022. 
Recently I lost my physical credit card and called to the bank to ask them to send me a new card. 
After that all three bureaus have changed the account status to closed, but actually I just reported the card was stolen or missing. 
I still have available credit limit and status of the account is current.

My credit age now is 0 months and account balance is XXXX  also. 
I would like to ask to correct this information Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX, 2017, several fraudulent charges were posted to my account at Citibank. I disputed all of them and after several rounds of verification, I have confirmed none of these charges are mine. Most were credited to my account, but one charge remained. I have called several times, told the charge will be credited, but it remains on my account. I am several months past due, late fees and interest are accruing, and I 'm concerned it will affect my credit. This charge is not mine and I should not be held accountable.
Complaint sub-issue: Account information incorrect

The balance on my credit report is inaccurate. I have disputed with no response. They never answer the phone but keep reporting me every month to the credit burrow.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Account status incorrect

XXXX XXXX is reporting late payment while under VA FORBEARANCE DURING covid CARES act which forbids derogatory information being submitted to a credit reporting agency.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I received a faulty telephone device from the company and when I tried to return the device I was informed I needed to return it to the manufacture and that I would be without a phone during this time I at the time could not be without a phone. I then went to another provider and received service I do n't feel that I should be responsible for payment on a defective device
Complaint sub-issue: Reporting company used your report improperly

I had several written requests to each credit bureau to verify these accounts below because I did not know anything about them nor aware of them. However the bureaus sent me basic letter just stating was verified but no details that I requested. Then when I reviewed an updated report nothing has changed on any of these accounts including data detailed per bureau. 

In accordance with the Fair Credit Act XXXX these accounts listed has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account items : 1. XXXX XXXX Bankruptcy Case Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXXXXXXXXXXxxxx 4. XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Problem with statement of dispute

I am filing a dispute with Equifax regarding an item on my credit report. However, the reason for this complaint is not the dispute itself, but the Equifax dispute process. 
My complaint is that Equifax clearly has my credit history and address history. However, when I try to file an online dispute, Equifax asks to 'verify my identity ' by giving me choices among credit transactions which are clearly not mine. As a result, I am told that 'The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX. ' I maintain that this is merely a scam to make it more difficult to file a dispute. I gave Equifax my social security number and date of birth. Correct information ( with one item subject to dispute ) is clearly available on the Equifax web site. 
They gave me choices which clearly do not apply. When I answered 'None of the above ' to all of the questions, I was forced to go to additional trouble to register my dispute.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts and 20 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Problem during payment process

In XX/XX/2017 I obtained a secured credit card with Discover. I put a {$500.00} deposit in place at that time. I had not used credit at all for over 15 years so essentially had no credit, as opposed to bad credit. I got the card to facilitate transactions like car rentals, etc. that require credit cards.

I was told that after " a few '' months I could get my deposit back. that has not occurred despite making timely payments for about 18 months and never carrying a balance. My credit scores on XX/XX/XXXX and XX/XX/XXXX are between XXXX and XXXX with no late pays and no collections. I have since been offered unsecured credit up to {$15000.00} while I can't even get my {$500.00} deposit back from Discover.

Also, my payments are frequently held for several ( usually 10 ) days in spite of the fact that they have always cleared the bank and have always been early or at the latest on the due date. I keep being told this is for " security purposes '', but this is nonsense and just another way for them to make money on payments they already have in the bank. This is both unethical and illegal and it needs to stop. Discover employees have - including this past week when they put a payment on hold - have admitted it is a random process that has not real purpose.
Complaint sub-issue: Collected or attempted to collect exempt funds

NAR, INC is trying to enforce a settlement judgement and execution of writ on judgment proof assets and income as my only source of income has been XXXX. Repeated harassment at my residents which recently my landlord office received complaints from neighbors that a constable service from XXXX XXXX, who continues to bang on the door and altering my door by taping up the door with notices. This is my residents but I do not live in my unit for my own safety as I stay elsewhere. However, I am receiving contact from the landlord office about their constable service disturbing the peace at this community residence.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

You need to adjust my credit score based on this fraudulent credit card XXXX XXXX. 

Based on the recommendation of XXXX XXXX, I applied and was approved for a credit card woth XXXX  XXXX. The first month I went over the limit XXXX XXXX deducted my credit score by XXXX points. 

However, my first payment was due on XX/XX/XXXX, XXXX XXXX XXXX called and harrassedy phone on XX/XX/2022. 

I said my payment is due on XX/XX/2022. Then I hung up the phone. That same day, I made a payment of {$79.00}. No one bothered to adjust my credit score for that. 

With that said, I'm going to pay that card off in XX/XX/2022, send a copy of this email and report this company to the Consumer Financial Protection Board, and my Congress members. I want to let them know how consumer 's are being treated in regards to credit. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

EQUIFAX mixed file with my sister. Contacted them several times but they arent able to fix the problem and its causing me problems when trying to apply for a credit card. Thank you
Complaint sub-issue: Old information reappears or never goes away

Equifax is reporting the following addresses in errors. I have offered to show equifax my tax contract bill for my home ownership of XXXX XXXX XXXX XXXX as of XX/XX/XXXX and they ave refused and correct the errors. The current address is correct accept for it should show XX/XX/XXXX not XX/XX/XXXX I have had to file a identity theft reports due to protect myself address against fraud of which it happened again with them due to their two security breaches at equifax of which i was a victim and they never sent me the claim forms for the expenses i incurred. The Fraud also happened in another state of which i have documents to show where i was violated on my addresses with equifax in the state of Minnesota. 

Equifax has my former address of which i never lived there in XX/XX/XXXX, The information is conflicting and fraudulent so when i apply for credit it makes me appear to be unstable. This information should be deleted immediately because i challenge equifax to show me a lease or mortgage from either address so that i can have XXXX XXXX attorneys to investigate for a lawsuit of either address being in my name of XX/XX/XXXX.Below it shows two conflicting years. The former address and years needs to be deleted immediately XXXX XXXX XXXX, XXXX Ohio XXXX Reported XX/XX/XXXX XXXX XXXX XXXX, XXXX Ohio XXXX Reported XX/XX/XXXX This information is deceptive in equifax and needs to be deleted as former how can I live at three different addresses all in XX/XX/XXXX including the current. I dont under that i have a fraud alert with my current phone number and they did not even contact me about my address as a fraud alert victim.
Complaint sub-issue: Fraudulent loan

I attended XXXX University in XX/XX/XXXX and graduated XX/XX/XXXX. I was forced to take out 2 loans one federal loan and one private loan. The university insisted that I use Genesis Lending. However due to XXXX University 's fraudulent behavior they were found to of committed fraud. I received a discharge through the Borrowers Defense lawsuit and was reimbursed for the federal loan however I paid my Genesis loan off in full and now I can not get the company to return any calls and can not get any answers concerning getting my XXXX dollars back that I paid in full. How do I get my case in on the lawsuit against Genesis Lending. I was just terribly mislead by this company as well as the XXXX University.
Complaint sub-issue: Reporting company used your report improperly

World finance has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXX XXXX  and XXXX XXXX are unfounded items I have no responsibility for.
Complaint sub-issue: Company closed your account

Today, XX/XX/2022 at XXXX, I received a text from XXXX. I did not click on the link as I do not have a Citibank account. Here is what the text : / Citibank/ We have closed your citibank account for security reasons please verify Your identity XXXX XXXX XXXX? c I copied the actual text and pasted it fir you all to read. You will notice how the text starts out with a / which is not how banks do their texts. There is also punctuation problems as well as a capital letter where it shouldn't be. Banks never ask for your information. 

Thank you for your time. Hope this helps
Complaint sub-issue: Debt was paid

I have paid Citibank loan number XXXX already today I called Citi loan recovery they said I have a balance of {$3800.00} this is wrong balance of this loan is XXXX and my city bank account shows it thus is ana tempted extortion when I asked them tell me when and who charged this {$3800.00} they could not show me that The Citi recovery unit dose not bother to look at Citi bank accounts to see balance is XXXX rather they choose to report account XXXX as collection not paid thus causing be great harm by XXXX XXXX reporting it to credit bureaus as collection I can send copies of bank statement that shows its been XXXX balance this is a hate  crime so XXXX  people dont get credit and attempted extortions by wrongfully demanding money with threat of. Refit collection for non existence valance exact definition of extortion