Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s )  to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ACCOUNT # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt is not yours

This is the second time this Account has be placed on my Credit Report as a Collection. The first time was in XXXX of 2021 by a company named XXXX XXXX. I disputed the item and had it removed and now as of XXXX XXXX another company by the name of Enhance Recovery Collections has again placed this account on my Credit Report as a Collection. Under Fair Credit Reporting Act ( FCRA ) once an account is removed from your Credit Report it can not be place on your Credit Profile again. I want this remove from My Credit Report or I will seek damages for ERC failing to comply and honoring my Consumer Rights under 15 USC 1692K.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had a debt that accidentally went to collections in the amount of {$50.00}. The dispute was listed on my credit and that's the first I was notified, so I paid it with the healthcare provider immediately. Unknowingly, this did not get reported to the debt collection agency, Plus Four Inc. Upon finding this out, I reached out to them directly and they attempted to collect my " debt '' again in the amount of {$50.00}. So now I have paid the debt twice, when I called to remove the second charge with proof I paid it the first time, the employees at plus four refused to work with me. They began hanging up the phone, ignoring my phone calls, leaving me on hold for hours with no intention of answering the phone, refusing to allow me to speak to a supervisor claiming there were none there and REFUSING to admit payment had been made despite correspondence multiple times over multiple days from XXXX XXXX XXXX. I reached out to XXXX XXXX numerous times until I reached a supervisor and she called directly for me. Still, plus four is refusing to remove the debt and it keeps escalating each month as if it has been unpaid, despite being paid twice. They refuse to simply reach out to XXXX XXXX to show that the amount has been paid and will only accept payment proof in person and/or standard mail. I have been treated like I am a criminal over {$50.00} I was unaware of, paid immediately and then paid immediately again to resolve the issue. This company does not want people to resolve their debt and they will seemingly do ANYTHING to not allow people to resolve their issues with them. Ignoring phone calls and hanging up on people is a violation of the Fair Debt Collection Agencies Act, as I have the right to speak to them when necessary and they are preventing me from resolving my issue ... Literally. It is also a violation to force or coerce people into paying a debt, whereas they knowingly took payment for a debt that was already collected all whilst refusing that they received notification of payment, which they have three times now. They should be shut down or thouroghly investigated for their practices and the way that they have taken it upon themselves to treat people who are good citizens TRYING to do the right thing.
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/XXXX phone contact with IC SYSTEMS INC I was never given a written letter about any collections. IC systems inc is trying to forcefully make me file a police report about this said collections without informing me on how to dispute it.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX ( " XXXX '' ) improperly reports an amount assessed after the termination of the lease, as an unpaid loan, which impacts the credit in a more harmful way than if the item would be properly reported. 

At the termination of the lease, the lessee has to return the vehicle and receives a lease termination statement, from the dealer where the vehicle is returned. The dealer reads the odometer, looks at the overall condition of the car, inputs the data into the system and generates a statement showing the amount to be paid in case of returning the car and a buyout proposal. 

In my case the value of the amount owed if returning the car was XXXX ( XXXX ) and the buyout was the residual value of the car. The dealer mentioned that any extra mileage fees will be waived. I opted for the return of the car and received a statement in writing showing a XXXX dollars owed to XXXX. 

Unbeknownst to me, the amounts were not accurate. XXXX assessed a {$5000.00} amount based on additional mileage and opted for reporting the amount to the Credit Bureaus as unpaid loan. This foreclosed any possibility for me to obtain another car lease for 7 years. 

The proper way for XXXX was to post the loan as paid in full, as showed in the document obtained at the end of the lease, and the {$5000.00}, as a collection item. The collection item would influence my overall credit, but it would allow me to obtain another car lease. 

I believe that adding the {$5000.00} at a later point is fraudulent, as the amount would have greatly influenced my decision to purchase the car rather than return it. 

By improperly reporting the item XXXX are trying to extort an amount that I believe it is not due to them. Rather than trying to adjudicate the matter in court, they are choosing to miss-report in an effort to unduly obtain the funds. 

I have contacted XXXX, but the representative was unable to understand what is issue is.
Complaint sub-issue: Talked to a third-party about your debt

CAC Finanical contact my wife regarding a medical debt-that is not valid-ed at all. A few weeks ago, They called her on her cell phone and stated that they need to speak with me regarding this debt. She stated that she was my wife and asked what she could help them with. The collector proceeded to tell her about the debt and when my wife stated that the was not correct that our insurance should have paid it, the collector told her that was not her problem and she need to speak with her insurance but pay the bill. My wife pointed out that the collector did not informer of her rights and that the call could be monitored, nor did the collector verify any information to see if she had the right to collect the debt. The rep stated that the call wasn't over yet and she still had time, and my wife stated that it was and disconnected the call. After that they call my wife 's cell phone 2 to 3 times a day, every day!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report . I have contacted XXXX and Equifax to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled ,  XXXX and Equifax  advised me that I had to contact the XXXX  XXXX to resolve this issue.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in 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/block any accounts 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. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Trouble with how payments are being handled

I applied for the PSLF program and was only credited for payments made since XXXX, even though I have been paying it since XXXX. They will not respond to my queries.
Complaint sub-issue: Account status

I originally filed a disputed on XXXX XXXX for not accurately reporting my acct to Equifax. Turns out I filed the complaint on the wrong intetity. Equifax shows my XXXX XXXX card open date to be XXXX XX/XX/XXXX and the most recent report from XXXX XXXX in XXXX XXXX, XX/XX/XXXX. That is 10 months of age of the account. Equifax is reporting my account to only be 7 months old and this is causing a lack of credit score increase, which is in turn preventing from getting our mortgage loan. I would like Equifax investigated for knowingly holding back the proper reporting of my accounts and are costing me time and money.
Complaint sub-issue: Account status incorrect

I am writing to request your help with correcting the information Citibank reports to the credit bureaus. In XX/XX/2015, Citibank reported to the credit bureaus the following status : " Account included in Bankruptcy ... Closed by Credit Grantor ... '' At that time I explained to Citibank that I had never filed bankruptcy and asked that the credit card account ( XXXX ) be restored to good standing it was in before XX/XX/2015.  Citibank has failed to provide proof of a bankruptcy petition being filed, despite repeated requests. Citibank has maliciously ignored all requests to correct the derogatory information they continue to report every month to the credit bureaus and is in direct violation of the FCRA. This account is being reported as " Failed to pay '' which is wrong. This account was in good standing until XX/XX/2015 when Citibank closed the account. This action against me by Citibank has been going on for 4 years! This action by Citibank is unfair and extremely damaging. Credit reporting companies sell the information contained in the credit reports to creditors, insurers, employers, etc and it is used to evaluate applications for credit, insurance, etc. It is incumbent on Citibank to make sure the information it reports is accurate as the inaccurate information has had, and continues to have, a detrimental affect on my ability to get credit, insurance and even a job.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX had an inquiry on my account via XXXX XXXX that I did not authorize
Complaint sub-issue: Received bad information about your loan

Fedloan capitalized XXXX in interest to the principle of my loan because, under my repayment plan REPAYE, if you are not re-enrolled every year in the same plan without a gap, any interest is capitalized. If it had not capitalized, this plan would subsidize the interest, which is why I chose it. 

In early 2017 when I reapplied for the plan, Fedloan let me know over the phone that it may take longer for my application to process because there is trouble getting income tax info electronically and everything is done manually. My application took much longer than the estimated time ( 14 business days ) so I was subsequently kicked off the REPAYE plan. Soon after my application was approved and I was re-enrolled in REPAYE. But, during that short gap, the interest to be subsidized capitalized to my principle. 

Over the phone, the representative agreed that I had applied on time but they took too long to process. But, they believed that my interest should have been capitalized even due to their own delay. Twice, I submitted a request to review what happened and never got a response. I was told by one agent that I should have thought of this before I took out so many loans. I was also told that I should not care that my principle is XXXX more because " it will be forgiven in 25 years ''. That XXXX will accumulate interest as well and I will ultimately pay taxes on it if it is forgiven.
I feel Fedloan is being careless about helping me follow and stay on my payment plan, and even carelessly adding thousands of dollars to my debt. I do n't feel like I have a voice and I have to give into anything they do because there is no oversight.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to, " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
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. 
I discovered that 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 3 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. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$0.00}
Complaint sub-issue: Debt is not yours

I called XXXX XXXX at XXXX about a collection EOS CCA is attempting to collect and is furnishing on my credit report, the supervisor said they dont have any information about the account. I called the collection agency EOS CCA whose reporting the false account on same date at XXXX and spoke with XXXX XXXX XXXX She said I cant dispute it and they dont remove derogatory marks from consumers report I have to pay it in full then she will add paid in full to my credit report, I told her i never had XXXX so she said send her a police report, proof of residency since 2016, and proof of the phone carriers contract that I have since 2016 and I dont know how or where to get those information, she said they wont stop collecting unless I send those impossible to get documents and if I do send them in EOS CCA dont remove stuff from peoples report once its place for collection. I did not open and account with XXXX and I never use home phone, I always have cell phone, EOS CCA pulled my credit without my permission to get my information and is now acting like Im the owner of a random debit they are trying to link to someone. They didnt send me a notice, they dont provide me a mailing address send documents to, this is extortion
Complaint sub-issue: Didn't receive enough information to verify debt

I sent the collection agency a debt verfication letter and they refuse to get back with me.
Complaint sub-issue: Account information incorrect

This past year I had to claim bankruptcy so I went on Credit Karma to see what secured credit cards they suggested. I got a card with XXXX XXXXXX/XX/XXXX by giving them a XXXX dollar security and a XXXX fee. As soon as I received my card I registered it on line and immediately paid the XXXX fee. That was on XXXX XXXX. Than I started using the card and sent in an additional 2 payments. There was a first payment due date of XXXX XXXX for XXXX and I made a total of 3 payments before that date, trying to raise my credit score. The 1st payment was on XXXX XXXX to pay the fee, than I used the card for purchases and made another payment for XXXX on XXXX XXXX, and then used the card again and made a 3rd payment of XXXX on XXXX XXXX. After that payment I was not going to use for awhile until I could see if it was raising my score. When I went on Credit Karma I seen my score DROPPED 103 POINTS! I was so upset I logged on to XXXX XXXX XX/XX/XXXX to see what was going on and they charged me a XXXX late fee. I called them all upset wanting an explanation and they said they will remove the fee but could only do it once. I got upset and told them I was more worried about my credit score and wanted it fixed. They said no, that their information was right so I filed a claim with the XX/XX/XXXXand they ( XXXX XXXX ) referred me to you. I have my bank statements to prove XXXX XXXX is lying and taking advantage of people I low places that are trying to get their lives together and start over. XXXX XXXX XX/XX/XXXX is in the the business of making money off of low income people. I also believe that credit Karma is responsible also, and should also be held accountable.
Complaint sub-issue: Their investigation did not fix an error on your report

The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to Equifax Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX