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

I applied for 3 private loans while XXXX XXXX at The University XXXX XXXX XXXX. My loans have been serviced through AES : American Education Services. I set up a payment plan and automatic debit for these loans when my first payment was due. I was in school half-time from XXXX, and the school apparently submitted this information to the clearing house and AES deferred my payment, and lowered my payment to a point where it was n't even covering the interest rate. They said they sent me a letter about this, but I do not recall this, nor did I give my permission to do this in the first place, as I thought private loans were n't able to be differed. I was working full time and going to school part time and would have been able to make the student loan payment just fine. Now I 'm looking more closely at my loans and discovered the principal balance on XXXX loan is XXXX more than my original balance. On the XXXX loan is XXXX more than my original balance. I feel that I 've been paying and never had a late payment on these loans, and they have increased my balance when I did n't understand or did n't even know about this deferment.
Complaint sub-issue: Their investigation did not fix an error on your report

Company responded on XX/XX/XXXX as a result of their investigation through the CFPB. 
Account # XXXX was " UPDATED '' and according to the credit bureaus the account is still reporting discrepancies. that I will attach below. 

{ XXXX } { XXXX } Errors & Inconsistencies Found : The date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of date opened is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Credit limit, balance, high credit, payment history is also inaccurate. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. unless you want to be held {$1000.00} per violation.
Complaint sub-issue: Problem during payment process

I received a paper bill from XXXX XXXX for a balance of XXXX. I attempted to log into my account, but received an error message that i would need to reset my password. A link was provided for updating my password, but when I went to the link, it advised me that they would send me an email with instructions on resetting the password. After numerous attempts, I never received the email. I finally gave up and mailed a check for {$50.00}. This was on Sunday. On Wednesday I received a call ( XXXX XXXX  ) regarding a past due on my account. I was told my balance was {$100.00} ( apparently they charged me late fees ) and my payment should have been {$58.00} ( for a balance of {$75.00}? ). When I complained about the inability to access my account online, I was advised that this was a known issue and they were trying to fix the problem, but were unable to provide a timeline when it would be fixed. When I attempted to pay another {$58.00} on the account using a credit card, they said they could only accept payment from my bank account ( they asked for my bank pin number for the payment ). This is unacceptable, and a basic security violation for bank accounts. When I am able to get back home I will be sending another check and closing this account.
Complaint sub-issue: Reporting company used your report improperly

I wrote XXXX to inform that there are creditors that theyre allowing to report against my credit report that I have no legal binding contract with. And they informed me that I would have to get an attorney to have the items removed.
Complaint sub-issue: Reporting company used your report improperly

N accordance with the fair credit reporting act XXXXt account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX/dept of XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXXS, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX 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 reportion agency can not furnish a account without my written instructions
Complaint sub-issue: Didn't receive advertised or promotional terms

I got a mailed and internet offer to open an account with Citibank and they offered XXXX miles XXXX XXXX AAdvantage and {$50.00} credit after spending {$500.00}, it was indeed spent, but nothing was credited, when Citibank was contacted by chat and provided the screenshot, the agent apologized offered to rectify it and promised additional XXXX miles. 

None took place. But citibank sent a unsigned letter stating the {$50.00} credit will be denied as the account is not eligible. 

Speaking today with XXXX at XXXX call center said, that a credit will posted as a misc credit because of the error, but still not there.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Written request was made to the company via mail as well as via to a point of contact at the company who acknowledged receipt of notice to cease and desist. They have continued to call repeatedly after receiving my formal request to only communicate with me via email or in writing due to conflicting information given to me by different individuals who supposedly work for this company.
Complaint sub-issue: Account status incorrect

credit agencies refuse to remove an account that over 7 years old,  also the court documentation has been submitted that the case was dismissed
Complaint sub-issue: Account information incorrect

On XX/XX/2022, I spoke to a customer service representative for the Upgrade card. I complained of an issue, on my credit reports which show a maxed out credit card, at the purchase limit of {$9200.00} dollars. This amount is incorrect since my overall credit limit is {$24000.00} and should also have been reported to the credit bureaus ( XXXX, XXXX, XXXX ). Upgrade card deliberately does not report your balance and overall credit limit. They report only your active balance which shows your credit utilization rate at 100 % percent usage which is wrong and caused a XXXX point decrease in my personal credit score although I made all payments timely and never missed a payment. The customer service representative I spoke to promised to rectify this incorrect credit bureau reporting situation within 24 hours but failed to contact me again and never corrected the reporting error. This credit reporting error has had adverse life impact on my ability to get credit, goods, and services due to an inaccurate and non-inclusive, unfriendly, and punitive Upgrade card credit reporting model.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/21 call XXXX XX/XX/21 call XXXX XX/XX/21 call XXXX to dispute 10 hard inquiries that are inaccurate reported XX/XX/21 XX/XX/21 XX/XX/21 call equifax about 3 hard inquiries that are inaccurate Sent a letter to dispute on XX/XX/21 no response
Complaint sub-issue: Problem during payment process

I am still affected by XXXX XXXX, I can not get through to the company. I need a payment waiver. And I am not calling after XX/XX/XXXX. My payment is due XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

SOMEONE OPEN UP FRAUD ACCOUNT IN MY NAME XXXX XXXX EQUIFAX DID NOT PROPERLY REVIEW DOCUMENTS PROVIDED. ONXX/XX/XXXX I FILED A POLICE REPORT WITH THE XXXX POLICE DEPARTMENT DUE TO STOLEN IDENTITY. SOMEONE OPEN UP A PAYDAY LOAN USING MY SS #. THE POLICE REPORT SHOWS AT THE TIME THIS HAPPEN I RESIDED AT XXXX XXXX XXXX XXXX XXXX AL XXXX. AND ALSO THE OWNER OF THE PROPERTY XXXX XXXX XXXX XXXX AL PROVIDEED A MOVE IN DATE TO EQUIFAX THAT CLEARLY SHOWS I COULDNT HAVE POSSIBLY LIVED AT 2 PLACES AT 1 TIME. I SUBMITTED PROPER VERIFICATION AND EQUIFAX DID NOT LOOK INTO ANY OF IT .ALSO MY FIANCEE WAS LIVING AT THE SAID PROPERTY IN XX/XX/XXXX AT THE SAME TIME SOMEONE OPEN UP A ACCOUNT USING MY INFORMATION HOW CAN 2 PPL BE BILLED AT THE SAME TIME SAME ADDRESS SEE ATTACHED BILLS
Complaint sub-issue: Information belongs to someone else

I hope you are having a good day! This is XXXX XXXX submitting this CFPB complaint to the Credit Reporting Agencies today to inform the Credit Bureaus that I was the victim of identity theft. I made a research on how to remove the fraudulent information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX 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 XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

I have lived at the person house who stole my identity and used it for XXXX XXXX XXXX XXXXXXXX XXXX which my name was spelled wrong on the account. I did not authorize this account. I was not living there during this time that account was open in XXXX 2021. I was Incarcerated at the time my identity was stolen. Now that I'm getting a better understanding of my credit report, I want this removed off my credit this is a fraudulent account that was made without my authorization. My last name is spelled XXXX, and middle name XXXX, which are incorrect spelling. I do not understand how and why this is stuck on my credit report without my consent.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXX, 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the XXXX and Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602A states I have to privacy 15 U.S.C 1681 section 604A its also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Public record information inaccurate

I was denied partnership with XXXX based on information from Checkr. The problem is that I am still being flagged for a felony that I have completed deferred adjudicated rehabilitation and therefore there ia to be no conviction and therefore nothing to flag on my record. This has now caused me to be rejected and at a time that I am in dyer need of work.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/XXXX I purchased 4 {$100.00} XXXX gift cards. After purchased once opened the four cards did not have a 3 digit code on back of cards. These cards where a miss print according to XXXX and can not be used. The original store XXXX will not issue refunds and XXXX is not allowing purchase if not registered. Without the 3 digit code you can not register. I have submitted all requested documentation to XXXX XXXXXXXX XXXX on XXXX XXXX XXXX. Each time I call XXXX they have not corrected this issue and the customer service agent is not allowed to transfer to other departments and no supervisor is never on shift. I'm currently out of {$400.00}. I have the fax confirmation including the XXXX case number that XXXX acknowledged the problem. These cards where purchased using my personal XXXX bank card.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my XXXX, Equifax and XXXX reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX Bank. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?
Complaint sub-issue: Information belongs to someone else

I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Complaint sub-issue: Didn't receive advertised or promotional terms

Hi CFPB, Thanks for taking the time to consider my complaint. 

My wife and I used XXXX US Bank Frequent flyer miles to buy tickets to XXXX, XXXX on an XXXX XXXX. The value of the XXXX tickets was {$5200.00} plus we paid an additional {$120.00} in fees. Our itinerary was confirmed by US Bank Travel Rewards on XX/XX/XXXX. We bought coach seats directly from another org on the same flight for my son and his girlfriend for approximately {$2000.00}. 

Several days before our trip, I called XXXX air to confirm with them, but they said that we did not have tickets. I called US Bank Travel Rewards, and it turns out they had made a mistake. They made a good effort to get us into 1st class but couldn't. So, we sat in the same section as my son and his girlfriend because there was no other option. 

My wife and I weren't happy but we rolled with it because mistakes happen. However, I asked one of the representatives to inquire about compensation. We are clear we don't want to pay the equivalent of {$5300.00} for a {$2000.00} flight. She indicated she would inquire on our behalf, but we didn't hear back from US Bank Travel Rewards. 

So, I complained to US Bank directly. Just got a letter now from the office of US Bank President implying that one of their representatives had contacted us about the mistake and brought it to our attention, which isn't true. And now they are saying that they are going to compensate us {$250.00}. ( Unacceptable. ) Also, and this is one of the reasons I'm making a formal complaint, one of the other travelers on the flight indicated to us that they had had a similar experience. I can't say for sure, but it is possible that there may be an industry pattern of substituting inferior products and then not compensating accordingly.
Complaint sub-issue: Debt is not yours

Received multiple harassing phone calls -- 3 in a day, XX/XX/19. I called back because I'm annoyed, the recording asked for me to input my social security number -- which I did not input. I looked the company up, called them, and they again asked for my SSN, which I did not give. Then I told them I was going to report them and I am. They looked up my account with the last 4 of my social and I am not in the system for owing anything. Please investigate them, I can only imagine what they are doing to people who don't know to come to the CFPB. Put Jefferson Capital Systems , LLC out of business.
Complaint sub-issue: Billing dispute

When attempting to get cable service with XXXX, which I had had before in my previous state, they charged me a {$100.00} deposit saying my credit was n't that good which is a lie. My XXXX is over XXXX. But the agency they use, Lexus Nexus, had a report showing XXXX and had information missing, which I attempted to call them and have them rectify to no avail. I spent several hours on the phone with them over several days trying to straighten this out only to get the run around. They would never send me a credit report for me to correct their mistakes. I also disputed this with my credit card company. Lexus Nexus has the worst customer service I have ever seen. I was literally screaming at the lady on the phone to correct there mistakes and she just gave me the round around. Something has got to be done.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXXDEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$1000.00}.
Complaint sub-issue: Public record information inaccurate

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt or late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, XXXX, I spoke to XXXX, Equifax rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy XXXX, she refused to correct the severe damages to my credit report that they caused.