Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I received 3 return packets from XXXX. I opened one ans saw they were phone return packets. 

I found XXXX 's fraud reporting phone number and tried to contact them, but only recieved automated messages. ( XX/XX/XXXX ) I went to XXXX store at XXXX XXXX, XXXX XXXX and tol ; d them of this fraudulent activity and asked to check the name as spelt on the nvelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. ( Saturday XX/XX/XXXX ) So I mailed back these packets with notes on Fraud activity. 

I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. 
The web reports on Fraudulent department at XXXX were also bad. 

On XX/XX/XXXX I receive a call from collections ( IC Systems : XXXX ). I told them the story and asked them to record all the actions I had taken on this and why I had not received any response from XXXX, nor did anyone try to reach me. 

The IC Sytems instead treatened me that if I dont fill up XXXX  's farudulent report on the website, I will be in trouble. 

At which IO got angry, since I recollected that his website asked for too much information. And there was no way to reach nay human and talk on this issue at XXXX. Their web reviews were also extremely bad.
Complaint sub-issue: Can't temporarily postpone payments

I have a series of subsidized and unsubsidized students loans consolidated by Direct Loans, loans taken out from XXXX XXXX to XXXX XXXX, and a new a series of loans taken out XX/XX/XXXX. My entire package of loans was bought up by Nelnet, my student loan servicer. I had an accident in late XXXX XXXX, and when released from the hospital in XXXX XXXX, I called Nelnet to inform them of the status of my health, unemployment, and my university 's decision to let me go on an extended medical withdrawal ( i.e. I will not be taking any classes ), all due to the XXXX XXXX XXXX I suffered. The Nelnet agent was kind and understanding, and told me to call back in XXXX XXXX to remind them of my situation, and they would ensure that no adverse action would be taken due to my health and my university 's decision. In XXXX XXXX, I called Nelnet to remind them of the situation and to notate in the file that I would not be taking any classes per my previous agreements, and my continuing recovery from my brain injury. They told me that was n't a problem, and I was renewed for at least the next 6 months. In early XXXX XXXX, during a routine credit check, I saw that my credit score was improving due to actively working on paying my outstanding bills. Later in XXXX XXXX, I saw that my credit score had dropped by XXXX points because Nelnet had reported my student loans as not paid. Of course they were n't paid, that was the deal I had worked out with them due to not taking any classes, my XXXX XXXX XXXX, and the report from the university that I was on medical withdrawal. I was previously told twice that no adverse effects would come, and I did not receive any notice that any bills were due. I believe that this was a mistake that needs to be corrected immediately, or that this was a deliberate attempt to take advantage of someone with a XXXX XXXX XXXX. I intend to return to classes as soon as I 'm healed, which will be sometime in the next calendar year, but for now I am unemployed and on medical withdrawal due to the severity of my injuries, all with my university 's ( XXXX University XXXX XXXX ) permission.
Complaint sub-issue: Account status incorrect

XX/XX/2019 - XXXX XXXX closed account in my name. 
XX/XX/2019 - XXXX XXXX reported account was closed by consumer which is incorrect. 
XX/XX/2019 - XXXX XXXX reported a balance of {$510.00} XX/XX/2019 - XXXX XXXX reported a balance INCREASE of {$32.00} XX/XX/2019 - XXXX XXXX reported that the account was AGAIN closed by consumer XX/XX/2019 - XXXX XXXX reported that the account was delinquent. 

Letter dated XX/XX/2019 disputing the accuracy of the information reported to the three ( 3 ) credit reporting agencies ; namely the closing of the account and the continued assessment of interest payment and balance increase. The main point of disputing being that a close account can not accrue addition interest and balance increase. 
Series of email exchanges in connection to the disputed information. 

XX/XX/2019 - XXXX XXXX Reported that the account was canceled by Credit Grantor XX/XX/2019 - XXXX XXXX reported a balance increase of {$7.00} XX/XX/2019 XXXX XXXX reported the account as delinquent.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This collection agency uses tactics and represents themselves as attorneys or law firm as they have themselves listed that way on my credit report. 

They NO longer have an obligation on this debt and they have sold/transferred to an actual attorney firm to which I sent a debt validation letter to almost 30 days ago and have not responded either. 

These collection agencies continue to pray on the XXXX  of people regarding their credit and skate the laws issued by the FDCRA.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2021, I purchased a XXXX XXXX XXXX from XXXX XXXX  of XXXX. Two days later, my husband met with the same car salesman ( XXXX ) in search of a used truck. After running his credit, it became clear that his payments would be incredibly high due to his poor credit score. Someone, either my husband or the car salesman, suggested having me as a co-signer in order to reduce the amount of the monthly payment. Please keep in mind that I was not present and did NOT provide any authorization. Allegedly, my husband told the salesman that he was interested in running the numbers IF it did not require any additional inquiries into my credit. Supposedly, the salesmen informed my husband that my credit information was already on file so there would be no need to run it again. However, this turned out to be untrue because I was unpleasantly surprised to discover 17 hard inquiries on my credit report. XXXX XXXX of XXXX refused to correct this error on their part, stating that it would be my responsibility to contact each individual bank to request an investigation. That would amount to hours of phone calls and months of waiting. I called the credit bureaus and was provided the same answer. That I would need to contact each bank individually. I did absolutely nothing wrong here. I was clearly taken advantage of and nobody is taking ownership of this wrongdoing. My credit score is very important to me. Please, can you help correct this issue.
Complaint sub-issue: Contacted your employer

XXXX XXXX have repeatedly called my job giving my coworkers information regarding a loan i owe them & providing information that should be private. 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Complaint sub-issue: Overcharged for something you did purchase with the card

For over XXXX XXXX XXXX XXXX years I have been in a fight with Discover Card over over charges, money transfered ut on my cards to atheir fake accounts. When I called them it was always computer error or Hackers! And now I owe OVER {$40000.00} to XXXX, XXXX and XXXX XXXX and I do not know how many other cards that Discover set up using my name, Address, SS # phone # for money that Discover took from them in my Name! 
And now they are taking me to court because I refused to pay for their computer errors and hackers! 

This XXXX started after I put in a claim for payment protection plan due to me being coming a XXXX  Veteran in XXXX of XXXX! The NY XXXX XXXX in XXXX of XXXX ruled that Discover to stop charging ALL their card holders for the Payment Protection plan and to stop setting up fake accounts that they are still doing!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent a disputed through Equifax and XXXX and about hard inquires. Somebody tried to receive a vehicle in my name and also more inquires in there Idont recognize. credit inquiries on my credit file and they want take it off. I was a victim of fraud credit inquiry problem. My name is XXXX XXXX my date of birth is XXXX And my social XXXX
Complaint sub-issue: Debt is not yours

Dear EOS CCA ; How are you and how you been? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I filed XXXX XXXX bankruptcy in XX/XX/XXXX and at the time had private student loans serviced by AES that I was paying roughly $ XXXX. The payments on these loans were suspended during my bankruptcy and I knew they'd be returned to me after I was released. I paid off my bankruptcy early in XX/XX/XXXX and I expected payments of roughly the same amount to resume in XXXX or XXXX. When I got the letter from AES the payment was {$710.00}. I started contacting them immediately telling them that payment was a financial hardship and I wouldn't be able to make it. They insisted I had no options because I had been in a graduated repayment plan with a 20 year term that would expire 50 months. They had recapitalized the principal and interest over 50 months rather than giving me the XXXX years I should've had left. I contacted them several times between XXXX and XXXX just asking them to give me a longer term for a manageable payment. Finally in XXXX I spoke with an escalation team member who confirmed that my original balance was $ XXXX and I had made nearly $ XXXX in payments already before my bankruptcy. The balance is currently {$31000.00}. So i should've paid a total of {$49000.00} if I made all payments as agreed, but with them capitalizing the interest during my bankruptcy I'm now set to pay {$63000.00} ( approx. ) over the life of loan charging me and add'l $ XXXX in interest. Not working with me for any type of agreement is an extreme financial hardship and the credit impact of not paying on time puts my job in jeopardy. The escalation team member requested I ask the lender for exception or work out and I did that on XX/XX/XXXX and got rejected yesterday. The servicer now says I must go delinquent for them to work with me which will adversely impact my credit further keeping me in an untenable debt situation. The agents at the servicer have also told me multiple times that it was " my fault '' for getting private loans and also that because they are private loans that they don't have to do anything because they can't be XXXX. This feels abusive and predatory. I attempted to refinance with a co-signer but given the fact that I'm recently out of bankruptcy no one will lend to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is an unrecognized inquiry from XXXX XXXX on my Equifax report. I recently obtained a new job, but any credit inquiry tied to a background check would have been a soft pull, not a formal credit inquiry, so Equifax must have made an error and processed incorrectly if they gave a full report to any agency. I have not applied for any new credit or loan for at least 6 months. I have disputed this inquiry twice with Equifax but they will not provide any information or remove it, just stating that it's a " factual record of file access. '' Maybe so, but only because Equifax XXXX  up and allowed unauthorized file access!
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 XXXXXXXX Balance : {$100000.00} ; XXXX XXXX* Balance : {$0.00}
Complaint sub-issue: Trouble getting information about the card

I purchased a {$200.00} gift card with a debit XXXX  logo. I tried to register the card, check the balance on the card, make an online purchase with the card and use the card a debit card. Nothing works. I tried going to the website listed on the card and it is not accepting the number. The store I purchased it from will not refund my money.
Complaint sub-issue: Investigation took more than 30 days

Submitted copy of my dispute letters on XXXX  company has failed to respond to my letters, complaints, or investigations
Complaint sub-issue: Their investigation did not fix an error on your report

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 my file at Equifax 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 items 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. Please fix the account : XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

On XXXX - XXXX 2017 at approximately XXXX XXXX I applied for a PNC visa credit card on line at XXXX. the web site does not show the fees until after I hit enter. When is saw that balance transfers included a 3 % fee I had no way to cancel the application. I immediately called the XXXX service number and explained that I did not want the card and that 's wanted the application canceled. They could not find the application of there system and told me to call XXXX and customer service would help me. iCustomer spoke to service representative XXXX XXXX and was told that the application could not be cancelled at this time. She said I had to wait for it to be processed and that I needed to call back to XXXX in a few days and cancel the card at that time. I agreed to do that but stated that I did not want the card to be reported to the credit bureaus. She said that I would have to go to each credit bureau and separately report that the card was closed to each. I do not want this card reported as I never intended to accept it as soon as I saw the transferr fees. It should be hard to stop the information from going to the credit bureaus or for the card company to correct their credit reporting. However it seems thwt the company is going to report it even though I contacted them in less the 15 after my submission and said I did not want and would not accept the card. Thank you for any help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX has placed an hard inquiry on my Equifax credit file. This allegedly happened on XX/XX/2020 without my consent. I contacted a manager in credit review department and I provided my social security number and reference number. The manager could not found my personal information nor the previous alledged credit card application details in their database. Since I didn't authorize to receive or apply for credit with XXXX XXXX XXXX XXXX. I am requesting them to contact Equifax and remove this inquiry from my credit report immediately. Equifax has blocked me from having access to dispute this hard inquiry. I've attached two exhibits showing that both XXXX XXXX XXXX XXXX and Equifax are violating my consumer rights.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1400.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I have a unverified account with XXXX I have never done business with this company. I believe it is a HIPPA Act violation. I would like to know how my personal information was used and accessed without my permission. The reason for my dispute isHRRG was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX County Sherif Dept. I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Attempted to collect wrong amount

On XXXX/XXXX/XXXX I was treated at XXXX XXXX XXXX XXXX Hospital for XXXX. At the time my husband provided my current insurance and personal information. At the time, I had XXXX insurance, through XXXX XXXX XXXX. Shortly after the services, I received a bill from the Emergency room and ambulance service. I paid all out of pocket expense ( about {$1800.00} ) which I assumed was the complete bill for that date of services. On XXXX XXXX, XXXX ( 14 months later ) I received a bill from XXXX for a collection account in the amount of {$5100.00} for XXXX XXXX XXXX Florida. After researching this, I found out that the hospital did not update my insurance info or personal information, so my bill was not submitted to the correct insurance company. Also I was never called or received any information regarding this bill until XXXX/XXXX/XXXX. Now my insurance co, XXXX, will not pay and the hospital wants me to pay out of pocket {$5100.00} which I do not have or do I feel it is my responsibility since it was caused by their neglect. Especially since the other companies had my correct information and billed me in a timely manner and were paid in full. Now the account has turned over to Mendelson Law Firm, XXXX XXXX, XXXX, TN XXXX. They provided a letter that states this bill was turned over to XXXX on XXXX XXXX, XXXX. As stated above I was not notified until XXXX XXXX, XXXX after I moved to another state. This proves no attempt was made to me for over a year. If I was notified in a timely matter my insurance company would have paid the bill and this would have never happened. Please investigate this lack of billing integrity which has caused this financial burden on me and my family. 

XXXX XXXX XXXX XXXXXXXXXXXX