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

The issue first began in late XXXX. I made a payment like I normally do and noticed that it said I was still a few cents overdue. Thinking I had made a mistake, I went and made a payment for the few cents that was considered overdue. It still told me I was a few cents overdue, no matter how many times I tried to make that payment. 

Upon speaking with the first individual at Upgrade, I was told that the issue would be resolved within a few business days. My account was considered delinquent because of this issue, and was on the border of being reported to the credit bureaus. They assured me that they would send a form in to fix that. 

My account never reflected these changes, and soon my next payment was due. Upon making this payment, I ran in to the same issue. It said that my account was XXXX cents overdue. After several calls and several long conversations where I was assured that this issue was fixed, I am still XXXX cents overdue, considered 29 days delinquent, and nothing has been done to rectify it. 

After hours of being on multiple phone calls with different representatives over the course of a few weeks, I managed to get escalated to a team lead who informed me that she could not escalate me to anyone, that no one was able to fix my issue for me while I was still on the phone with them, and that ultimately we just had to wait on the processing team to fix the issue. The same processing team that still hasnt fixed the issue in the last month and a half. 

I have not been able to use my card because it says that Im overdue ( even though Im very obviously not ). My account will be considered late as of tomorrow and be sent to the credit bureaus, even though I AM NOT. I am very tired of calling them and being lied to. I dont take making a complaint like this lightly. This is absolutely crooked and Im fed up with it.
Complaint sub-issue: Information belongs to someone else

Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to Equifax and XXXX. I sent a total of XXXX certified letters advising them of my request for correction and removal. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place. So who is actually in the wrong here? The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed.
Complaint sub-issue: Problem with fees charged

I received a letter from Ally Bank dated XXXX. The letter stated that I have to pay {$2800.00} by XX/XX/2021. I can not pay {$2800.00}. I receive Social Security retirement income in the amount of {$800.00}. I can only make my car payments on the XXXX of each month, I get my social security check on the 3rd Wednesday of each month. I accumulated a lot of late fees because of the pay date set by Ally Bank which is the XXXX day of each month. When I was working a regular job and getting paid more money, the XXXX day of the month was fine because I was getting paid every two weeks. Now that I receive monthly income in the amount of {$800.00} it is very difficult. I conveyed my situation to the reps at Ally and asked for help, just like their letter and website suggested, but was told they could not help me because of my delinquency. I would like to either have the delinquent fees waived or placed on the end of my vehicle loan. I would also like to have my loan due date changed to the XXXX of each month.That would help me out a lot. I filed a complaint with the XXXX XXXX XXXX on XX/XX/2021 ( file ID # XXXX, but I have not received a satisfactory response. I received an email response from XXXX @ Ally Bank on XXXX. I did however speak with XXXX ( no last name given ) @ Ally Bank on XX/XX/2021. She stated she would look into my complaint I filed with the XXXX. She said that I am 16 payments behind minus the late fees and I owe $ XXXXHowever, when I go the their website to make a payment, my account shows that I owe 10 more payments. Still my concerns have not been addressed. I have since made my car payment on XX/XX/2021. XXXX with Ally Bank can be reached at XXXX XXXX XXXX XXXX Opt XXXX, Opt XXXX  ext. XXXX. You can contact Ally Financial, Inc. @ XXXX, MI XXXX. Please help me.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$740.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, Inquiry from XX/XX/2021. DID NOT AUTHORIZE
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are not properly investigating dispute submitted by XXXX and XXXX XXXX when asked for the information they determine the validity of the credit items all they product was a letter stating that I owe a certain amount and not an itemized bill or even the initial contract with the company.
Complaint sub-issue: Information belongs to someone else

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$710.00} XXXX   XXXX XXXX {$670.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$340.00}
Complaint sub-issue: Information belongs to someone else

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : US XXXX XXXX ),
Complaint sub-issue: Information belongs to someone else

I received collection calls from company i have no business with, i check my credit report to find several accounts report to my credit file that doesn't belong to me, i try to correct with creditor unsuccessfully. i am making report to let credit bureaus know these accounts don't belong to me, and should be deleted from my credit i can regain good standing with my credit history.
Complaint sub-issue: Their investigation did not fix an error on your report

The account in question has been disputed several times and XXXX XXXX XXXX has verified to Equifax that the account is accurate, XXXX XXXX XXXX  has failed to provide me with documents that I requested several months ago. This issue has been very inconvenient to deal with as no documentation has been provided to me. To this day the account continues to be reporting to my credit report. I would like Equifax to provide me all documents showing my signature on them showing me that I indeed have a debt with the collection agency claiming that I owe. If Equifax can not provide me with a signature documents, I request that the account be permanently deleted from my credit report. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization.

To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App XXXX  509.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect this alleged debt. Coppola v. Arrow Financial Services, 302CV577, XXXX WL 32173704 ( D. Conn., XXXX XXXX  - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiffs debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by you, the collection agency. 
As Im sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be aware that in TWYLA BOATLEY, Plaintiff, vs DIEM CORPORTATION, No. CIV 030762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONAXXXX XXXX the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted the company and credit bureau regarding this account reporting incorrectly. They have ignored the fact that the information is inconsistent amongst the bureaus of XXXX and Equifax. XXXX removed it. I would like for this account to be remove because the INFORMATION IS INCORRECT AND THE ACCOUNT IS OVER 7 YEARS OLD. 

XXXX XXXX AUTO FIN - {$0.00} Closed Overview You've paid off 100 % of the original amount. 

Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$72.00} Opened XX/XX/XXXX ( 7 yrs, 1 mo ) Term months Payment History Last payment -- Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type -- Responsibility Individual Remarks Paid charge off Fixed rate Times XX/XX/XXXX days late XXXX
Complaint sub-issue: Received bad information about your loan

I was contatcted by a company called Guidance Alum. They were calling me up to 3 times per day, even after I asked to be removed from their list, and I am on the national do not call list. I finally gave in and listened to what they had to say. They informed me that I qualified for student loan forgiveness through the CARES Act. I work at the post office so I knew I qualified for PSLF, which made everything sound legitimate. They took {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$49.00} on XX/XX/XXXX, {$49.00} on XX/XX/XXXX, and {$49.00} on XX/XX/XXXX. I was told the initial {$200.00} installments were to set up the program and get me enrolled. Then told that the $ XXXX would go to my student loans and be qualifying payments for the student loan forgiveness program, in which they were supposed to enroll me. I found out today, they were taking this money as a " fee '' for their service, and I have never been enrolled in the forgiveness program. None of the money I paid went toward my student loans, and they did agree to refund me the 3 - {$49.00} payments. They did not offer to refund the other {$200.00} payments. They signed me up for this program by providing false information I verified with them 3-5 times during the phone call, and they still insist they were not in the wrong. I contacted my actual student loan servicer and they advised me I had been scammed, and the services they claimed to provide were never put into action with my servicer, other than consolidating my student loans. I'm out this money, and if I could fall for this scam, having worked in finance part of my life and being of sound mind, I know others have probably fallen for it as well.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Discover Bank filed lawsuit in XXXX XXXX XXXX on XX/XX/2021 without notifying. The balance on the account which was active was subjected to termination due to mis payment & arrangement with third party XXXX XXXX XXXX XXXX. The last payment was done of XX/XX/2021. There is balance to catch up, and surprised with lawsuit as payment arrangement was made with third party due to Discover Bank online payment getting disabled. Had good history keeping up with payments with some reason on missing out payment schedule due to personal & business trips.
Complaint sub-issue: Debt was result of identity theft

Hello, Its been 6months to a year and I have not got an response from the creditor for the fraudulent debt. The company said it was verified but I would like to know who verified it. By 30 days with no response this account is suppose to be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has violated my rights under the FCRA and FTC Laws. Based on the laws, every information must be accurate, no errors and verifiable. Based on their investigation ( see enclosure ), they have not verified the information that shows on my Equifax credit report. I sent a certified letter ( see enclosure ) on XX/XX/XXXX asking for the validation of the unauthorized inquiries showing where I have signed any document. Please direct Equifax to remove the unauthorized inquiries.
Complaint sub-issue: Other problem getting your report or credit score

I have requested my report and security freeze from Accurint. I have yet to receive what I have initially requested from the company. I do not agree.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

While doing my weekly credit report check on XXXX XXXX, I found a collection on my account which was odd because I pride myself on not owing anyone ( accept XXXX XXXX but thats another story ). 

It says the original creditor is XXXX XXXX, but I've never signed up for cable. I don't even watch cable television because I have XXXX. For it just now to be going to collections, someone must have signed up for something in my name earlier this year ( {$76.00} balance - opened XX/XX/2018 according to XXXX XXXX ). I don't understand how or why someone could do this, this technology world we live in just is not safe anymore.
Complaint sub-issue: Problem getting report or credit score

I have a credit freeze on my account. FTC advice states that my report can be released to your existing creditors or to debt collectors acting on their behalf. XXXX XXXX Bank, an existing creditor, has sought my assistance in accessing my report. Despite multiple attempts & phone calls both by me & on behalf of me by the creditor, XXXX has been unhelpful in providing that access. Please assist me in helping this existing creditor have my report released. Thanks.
Complaint sub-issue: Account information incorrect

My actual complaint is about EQUIFAX, Inc.. I had a public record - bankruptcy recently removed from my credit report between XX/XX/XXXX and XX/XX/2022. When I reviewed my credit report it showed that my score DECREASED by XXXX points instead of Increasing, due to a public record being removed. I contacted Equifax and the only thing they said is that I dont have any public records showing and my score must've decreased for another reason. First of all I am utterly shocked at the stupidity and ignorance of the representatives Equifax has hired to be over such a highly rated scoring system, a system that can make or break you. And they were totally oblivious and of NO HELP AT ALL. I need to have this researched and rectified. I have copies of the Equifax report that shows the score changes and the remarks. I am currently trying to purchase a home and do not need my score sabotaged by Equifax and their faulty scoring system. Thank you in advance!
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also attached is the letter I sent out and here is the certify tracking # XXXX XXXX XXXX. 

According to the FRCA the term " investigated consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate, according to the FRCA 15 USC 1681 everything must be 100 % Accurate. 

XXXX XXXX XXXX  account # XXXX NOT MINE XXXX XXXX XXXX Accounts # XXXX NOT MINE XXXX XXXX Account # XXXX NOT MINE
Complaint sub-issue: Charged too much interest

Today, XXXX XXXX, XXXX was the second time in a month I telephoned Macys to review my credit card account and request a decrease in interest as the interest on the account keeps going up. On both occasions, I have spoken with the basic customer service representatives who have both told me that Macys is not reducing interest rates at this time. Both times I have asked to speak with a customer service representative. I am put on hold for an unusual amount of time, the " supervisor '' answers the phone, states they will not be reducing interest and then hangs up on me. This has occurred twice. 

I am unable to speak with anyone at the credit card company who can possible assist me with a review of my account. I have been a loyal customer for many years and do not believe my account should be handled in such a way that when I make a request, I am automatically hung up on.
Complaint sub-issue: Frequent or repeated calls

I am getting repeated phone calls by Jefferson Capital. Jefferson Capital is masking their phone number to reflect an area code in " XXXX Florida '' where I'm from and have family & friends residing. Jefferson Capital is not located in Florida and they are masking their phone number with the hope of me or any 3rd party being tricked in answering the call. Furthermore, Jefferson Capital is calling 3rd parties in trying to contact me. Both tactics I just described confirms the knowingly & willingly act by Jefferson Capital violating my rights under the FDCRA & FCC.

I previously sent Jefferson Capital a letter requesting for them to inform me in writing of what alleged debt they are trying to collect because I am unaware of any outstanding debt that I owe to any creditor. I also requested that if they are making any allegation of any outstanding debt that they are trying to collect to please provide me " validation of the debt '' & as of today 's date, they haven't provided me no validation of debt & continue to call me and 3rd parties. 

In closing, I am requesting that Jefferson Capital cease from calling me and any 3rd party. Furthermore, I will be filing a small claims lawsuit no later than XX/XX/2020, & today will be my only attempt to try and resolve this matter informally with Jefferson Capital before I file a lawsuit in small claims court. My lawsuit will be regarding the knowingly & willingly action ( s ) of Jefferson Capital violating my rights granted to me by the FDCRA & FCC. My lawsuit will be for {$2000.00} & the only communication I authorize Jefferson Capital to have with me is in writing & informing me if they agree to settle this matter informally. 

The following are some of the phone numbers Jefferson Financial are masking ; XXXX & XXXX The following is only 1 example of Jefferson Capital trying to communicate with a 3rd party in their attempt in trying to contact me ; XX/XX/2020 using the masked phone number XXXX at exactly XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB Complaint to day to follow up the previous complaint I submitted last XXXX XX/XX/2022. I previously sent a letter addressed to the Credit Bureaus on XX/XX/2022, with complete attachments of personal identifying dcouments such as my Driver 's license, and Proof of Billing address, to remove Accounts, Personal informatio and inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. I need the following fraudulent items deleted from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} US DEPT ED XXXX Balance : {$7100.00} US DEPT ED XXXX Balance : {$6800.00} US DEPT ED XXXX Balance : {$5600.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$9400.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXXXXXX Balance XXXX {$460.00} US DEPT ED XXXX Balance : {$1600.00} US DEPT ED XXXX Balance : {$8100.00} US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX