Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't temporarily delay making payments

Called lender, Sallie mae, XX/XX/2019 asked for lower payments options because of XXXX. The representative stated she would email the paperwork and I never received. I called back 2 weeks later and was told the paperwork could be downloaded on website stated I needed to make payment before I could proceed so I made a payment. This scenario has continued for 2 months. At this point they are calling my elderly mother, harassing all my family members while I can't even reach them by phone, email or chat. 

I want a resolution that I asked for in my first attempt. They make no attempt to help me resolve my financial hardship. 
I'm not including my phone number because I will receive no help just endless harassing robocalls. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX  and Equifax state that I have closed three XXXX XXXX XXXX Credit Card accounts. Those credit cards never reached my address almost 2 years ago. XXXX XXXX told me at the time that these wont show in my credit report. I only have one credit card with them. I never closed 3.
Complaint sub-issue: Information belongs to someone else

Reporting items that violate my rights as a federally protected consumer. XXXX  bal. {$1100.00} Acc. no. XXXX : XXXX XXXX bal. {$510.00} Acc. no. XXXX ; XXXX XXXX bal. {$420.00} Acc. no. XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i did not authorize these inquiries in letter attached
Complaint sub-issue: Information is not mine

Equifax credit reporting agency is merging my brother  XXXX   XXXX  Personal information with mine we do not live together and never have i have asked them to remove it and they have but then  XXXX  keeps adding it on there. I have also sent over several documentation for them to remove information on my account such as previous employers, addresses, and name that i have never used. I have sent over certified documents they received  XXXX   XXXX  to validate 2 accounts that do not belong to me yet they are reporting it to my credit report and also  6  inquires i have asked for them to remove. Equifax is violating the FCRA act and they are not validating accounts they are just adding them to my account without proper authoriztion.
Complaint sub-issue: Debt was paid

Progressive Management System failed to let me know on the first attempt what my " debt '' was about. Second attempt spoke to my son who is the patient involved and was told the wrong amount. On the third attempt I figured out that the two letters where in regards to two accounts that where pending due to insurance verification. Two days prior to the call I placed to question the debt, I had already established a payment plan with the medical company. I had paid partial on both bill. There were no letters of notification that there were going to send them to a collection agency. XXXX., the account representative for Progressive management system, was very rude after I clarified with her that the account in question was already partially paid. She raised her voice and insisted that I was going to get a call for the bills if it was not resolved with the XXXX. I explained to her again that I had a payment plan in system and I had no idea why this was in a collection agency. Again, she raised her voice and became agitated and rude and told me that she was forwarning me that I would pay to them because they had a contract. I explained that this was between them and the medical company because I was n't even aware that this was being sent to a collection agency. She told me to stop having an attitude and that it was n't her fault that I could n't pay my bills and she was only there to help. I felt very unconfortable and threaten because she kept telling me she was forwarning me. I felt like I was going to lose my payment plan already established and be forced to pay the collection agency. Once I hung up, I called the medical services and spoke to the agent I had established the payment call with and said that my case had not been referred to a collection agency and that my payment plan was still in place. I was left confused and threatened by XXXX. from Progressive Management Systems .
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a few hard inquiries on my credit report that I did not authorize
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX  Account number : 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: Didn't receive enough information to verify debt

On XX/XX/XXXX I sent a dispute letter to Equifax mentioning this unknown medical collection that does not have an account name being reported to Equifax nor does it have any contact information to obtain further information surrounding this debt.

I received a response stating that this account was verified however no additional information has been updated.

My most recent report available via my credit monitoring with XXXX dated XX/XX/2018 still does not reflect any contact information or account info pertaining to this account.

Under the FCRA any information that is incomplete, unverifiable or inaccurate should not be reporting.

This collection account that I have no additional knowledge or information is seriously hindering my credit score with Equifax as it is a serious derogatory information.

Furthermore, this is only reporting on this single credit reporting agency.

I will be sending out an additional dispute letter this week to Equifax further challenging the incomplete and missing information surrounding this one account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX LOAN Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # 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: Their investigation did not fix an error on your report

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Information belongs to someone else

I have been fighting XXXX  & Equifax about and account that should not be reporting on my file. There are two XXXX Accounts one with a partial account number of XXXX reports opened XX/XX/XXXX and the other is XXXX which shows opened XX/XX/XXXX both are indicating I was an authorized user and at no time did I ever apply or hold an account with XXXX. Why are these still on my credit report?? They are not mine, I never gave consent and they need to be removed. Anyone can put a person on their account without the knowledge of a person and then go late and then it effects their scores? THESE WERE NOT MY ACCOUNTS!
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have repeatedly requested Discover Card quit using my e-mail address as a means of communications. I first issued a Cease & Desist request around XX/XX/XXXX to Discover Card via phone contact with a representative at their customer service number. I additionally contacted XXXX XXXX with Discover Card Executive Services at XXXX on XX/XX/XXXX and spoke with his assistant on a recorded line advising him they need to Cease & Desist using my e-mail as is my right under the Can-Spam Act. However, I continue to receive e-mails from Discover Card as of XX/XX/XXXX which is a direct violation of both federal law as well as internal Discover Card compliance procedures.
Complaint sub-issue: Debt was result of identity theft

I am writing to dispute a fraudulent charge on my account in the amount of $ XXXX. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Complaint sub-issue: Their investigation did not fix an error on your report

I requested validation and verification of a bankruptcy with LexisNexis, that has been reporting to the XXXX and XXXX  credit bureaus. After 30 days I received a response from Lexis Nexis stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse via mail to verify if Lexis Nexis verified with them. I received a letter from the court clerk stating THEY DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Problem getting report or credit score

EQUIFAX has technical issues regarding a credit freeze, that I want removed.On last Friday,XX/XX/2016, I attempted to use the Equifax website for removing a security freeze.The website does not function, except in authorizing my credit card for XXXX dollars.I CALLED IN TO EQUIFAX SECURITY FREEZE DEPT.they authorized my card again and said the freeze lift would be complete within 15 minutes.I applied for credit with XXXX creditors, they have XXXX spoken to me about the freeze they need lifted to complete their respective credit transactions.I HAVE SPOKEN TO EQUIFAX SECURITY FREEZE DEPT. again 3 more times.THEY HAVE authorized my credit card 2 more times ( proof enclosed ) and still can not release the freeze.THIS INCOMPETENCE AND TECHNICAL PROBLEM IS IMPACTING ME AND MY BUSINESS NEGATIVELY, AS EQUIFAX HAS STOPPED MY CREDIT TRANSACTIONS.A large credit union suggested I make this complaint.
Complaint sub-issue: Information belongs to someone else

I applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt 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. I have contact the FTC and my local police department.
Complaint sub-issue: Was not notified of investigation status or results

I have been trying to fix my own credit I have contacted each bureau multiple times XXXX equifax XXXX and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified
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 719tXXXX  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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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 XXXX and Equifax credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( 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 Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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. 
XXXX XXXX  XXXX Date opened XX/XX/2020 Balance : {$5200.00}
Complaint sub-issue: Problem with statement of dispute

I have disputed this account on my credit report with Equifax only to receive the same message stating : " Account information disputed by consumer, meets FCRA requirements ''. This account has not been properly validated. I have faxed a method of verification to XXXX Credit reporting agencies only to receive the same old response. I have also faxed to the collection agency a debt validation letter requesting asking for signed documentation with my signature on it that I agreed to pay whatever dollar amount the company is seeking along with a host of other request to go along with my signature. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX or XXXX file # XXXX. This is not my first time disputing this account. By the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that there claim is disputed and validation is requested. This is my final attempt to resolve this matter and I will not stand to get another pointless response stating it was verified when I no that to be false. I am in the process of purchasing a home and this account is damaging my credit score. I have reached out long enough only to not get any cooperation from Equifax. I have attached the final fax confirmation page that I sent to midland credit asking for validation. Also, the validation request letter.
Complaint sub-issue: Funds not handled or disbursed as instructed

They continue to freeze items as fraud then texting me at XXXX XXXX to confirm its mine, which i'm obviously asleep and not responding during their time frame. I thought under the TCF you can't contact consumers at XXXX XXXX  in the morning. They've also frozen wires and stated they've tried to contact me, which they didn't in any form. So as retaliation the next freeze resulted in the XXXX XXXX text message.
Complaint sub-issue: Debt is not yours

Jefferson capital system, I was notified by the three major credit reporting agencies, the fraud was committed on my person and that the account that they have in their system may be pertaining to fraudulent activity. This company received a complete packet from XXXX which was downloaded to XXXX the other download/upload system. Upon XXXX receiving that information, they contacted this creditor and notify this creditor that identity theft may Exist in this consumer file. This collection agency was asked to conduct an investigation into the consumers fraud claims. The collection company never contacted Investigation and to Fraud and, when Notified that this is a fraudulent debt, this collection agency failed to cease collection activity and investigate the claim. Instead, they felt it would be better just to validate the Debt. 

This debt can not possibly be mine so seen that the perpetrator was caught, prosecuted and convicted. In this court case he stated on the Stan, that he used my information as well as others to make a profit on the Internet. That meant, selling your personal information using your personal information, and profiting from other peoples personal information. 

So it is already a clear violation based on the fact that a criminal was already admitted and been convicted of this fraudulent account.
Complaint sub-issue: Cashing a check

I went to BB & T Bank on XX/XX/2018 to cash a check payable from a BB & T business customer checking account. The manager said they didn't have enough cash to cover the check amount and offered a small partial payment of cash and a cashier 's check for the remaining balance which was the majority of the amount of the check. The manager did not offer to aquire the cash needed to pay the check from BB & T. The manager did not offer to set up an appointment for me to receive payment for the check. I was also offered the option to open an account at BB & T but I was informed I would be charged {$50.00} if I withdrew the funds and closed the account within 90 days. I have a check on a BB & T account in good standing and yet BB & T did not offer to aquire the funds to pay it. I have a piece of paper with numbers on it and BB & T has my money.
Complaint sub-issue: Attempted to collect wrong amount

Last XXXX ( 2015 ) I order a hat from XXXX an online creditor.. phonr number, XXXXXXXXThe had that I received was the wrong type and size. I returned this product since last XXXX ( 2015 ) .To date XXXX is still charging me for the product. Since I refused to pay they had send my account to a collection agency. 
In addition, I usually order product from another online creditoe. XXXX. Approximately 2 weeks ago I had attempted to order products from XXXX. I had experienced prejudical treatment from XXXX staff. Eventually they took my order but, never approved it. About a week later, I called XXXX and was pushed around for almost one hour. Finally a supervisor from XXXX customer service, in a nasty tone of voice said that she had cancelled my XXXX account because my XXXX account was send to a collection agency. I should not be paying for any product that I did not have or received. In addition I shoild not be discriminated against because some staff members from XXXX have that authority to discriminate at will.
Complaint sub-issue: Didn't receive enough information to verify debt

Contacted total Card after cfpb complaint Explain to them they didnt provide a wet signature, signed promissory or and legal signed documentation with validation for aaid debt. 

Instructed said collector to stop collection immediately until they can provide signed documentation.
Complaint sub-issue: Confusing or misleading advertising about the credit card

US Bank keeps sending me unsolicited emails, spamming me of all kinds of offers and advertisements that I have absolutely no interest in. Also, their email doesn't contain an unsubscription link. This is very intrusive.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated immediately : 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 XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

I reviewed my consumer report on XX/XX/21 # XXXX and reviewed items that violate my consumer invasion to privacy, consumer rights to privacy in addition no written consent by myself was given. 

15 U.S. Code 1692 15 U.S. Code 1681 15 U.S. Code 1681b The following are the items : XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX
Complaint sub-issue: Information is not mine

My exhusband has XXXX tax leins on his credit. Because we were married from XX/XX/XXXX to XX/XX/XXXX ... hisbtax leins show up on my credit report as negative impact. He just paid them off this summer and i have sent all the information to the ihio attourny general office. The lwins hve been released..but still show on my credit report. Is there any way to remove the negative information from my credit because the debt was kot my own debt ... but my exhusband local tax debt? Thank you. XXXX XXXX ph # XXXX XXXX XXXX. Address # XXXX XXXX XXXX. XXXX ohio XXXX