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

A XXXX XXXX from XXXX XXXX at XXXX is calling and asking for a XXXX XXXX. No such person resides at this number or residence. She attempted to be deceptive in giving her phone number and I was able to capture her true phone number on my caller ID.
Complaint sub-issue: Information belongs to someone else

I checked my credit report and noticed an unauthorized account I dont recognize
Complaint sub-issue: Debt was paid

The California Service Bureau contacted me XXXX XXXX, 2015 to advise me of an alleged unpaid bill for {$34.00} ( Creditor " XXXX XXXX XXXX XXXX Region '' ). I responded to their XXXX XXXX, 2015 inquiry immediately asking what the charge was for, and who authorized them to attempt the collection. I called CSB and got them to provide contact information and proof of authorization. I 've now received a XXXX letter from CSB, notifying me that I have been charged interest ( {$1.00} ), I contacted the healthcare provider 's office and was given contact information for their Billing Office. The doctor 's billing office was unable to find any unpaid or past due bills relative to my name or account. CSB has not responded to my request that they provide specific information to me concerning the path of this questionable charge. To date, they have not supplied me any proof of this bill, or any proof of their legal assignment to collect alleged monies from me on behalf of their medical client.
Complaint sub-issue: Problem getting your free annual credit report

I received my credit score from one of my lenders and it mentioned i had a serious delinquency. I tried recving my free annual credit report from the government website. I was able to get XXXX and XXXX just fine but Equifax will not let me receive mine. I have tried going on the Equifax website and it still would n't let me. I should not have a serious delinquency and/or no late payments on my credit report. XXXX and XXXX both reflect the correct information but Equifax is not. I am guessing its possibly showing a late payment with my XXXX XXXX student loan? But i am not 100 % sure since i can not view my credit report from Equifax. I have reached out to XXXX XXXX 5 times and each representative has confirmed that they did not report late on my student loan. They have told me that they reported it as 0 days late. XXXX reflects that as well. So i am wondering why my Equifax fico score says i have delinquency or possible late payment and if so need it disputed since thats not accurate. I am guessing it has to do with my XXXX XXXX loan since when i check XXXX XXXX for my credit reports XXXX shows it all correct. But Equifax is showing blanks for last reported on my XX/XX/XXXX and XX/XX/XXXX payments.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX, I called Nelnet regarding interest that continued to accrue daily on my loans owned by the U.S. Department of Education following the XX/XX/XXXX executive order waiving interest. I wanted to ensure that an upcoming auto debit on XXXX would be applied only to interest that had accrued prior to XX/XX/XXXX and not to the interest that continued to accrue on my account after that. I was repeatedly told that there was no way to ensure this. I was told that the interest would still accrue in my account and that the interest rate would not go to zero during this period until XX/XX/XXXX. I was told that if I continued my auto debit than the payment would be applied to the interest that continued to accrue in the upcoming months, as well as the principal amount. When asked if I could ensure that my payment just went to the principal amount in accordance with CAREs Act and the executive order, I was told that this would be impossible. I was told if I continued to make monthly payments and only applied to the principal amount, then my loans would become past due. I was told at some indefinite time point, possibly close to XX/XX/XXXX, I would receive some sort of repayment of the interest that I continued to pay. I advised that it was my responsibility as the borrower to keep track of money that was going to the interest that continued to accrue of my accounts and ensure that it was included in the eventual adjustment.
Complaint sub-issue: Other problem getting your report or credit score

Equifax has failed to report two credit card accounts, XXXX XXXX and XXXX. When I log into myEquifax online, these accounts are non existent thus no credit score is showing. When I speak with Equifax they claim they are showing the accounts on their side and when they send me a copy of my credit report, the accounts are showing. My credit report via online should be showing these accounts as well as my credit score. I also can not see my Equifax credit report thru XXXX  's online credit reporting service as well as XXXX XXXX 's online credit report service. To date, I do not know my Equifax credit score.
Complaint sub-issue: Information belongs to someone else

FCRA Violations ; not mine ; Numbers, addresses, and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily Account name XXXX XXXX, XXXX. 
Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Account name XXXX  XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX
Complaint sub-issue: Debt was paid

I have 2 medical bills from the hospital since 2019 I have contacted the hospital and applied for the medical assistance program so they can pay my bills and I was approved and the hospital said that they paid all the bills and I have contacted the collection agency many times and I told them and its still on my collection
Complaint sub-issue: Problem with fees

I paid off the balance and they continued to charge me an interest rate after the balance way paid in full. when I called them they said I paid it off late and I told them to close the account. their automated system is still calling me after I had them close the account.
Complaint sub-issue: Attempted to collect wrong amount

I have been contacted every day for months about this account. On several occasions I have asked for the original creditor XXXX XXXX and XXXX XXXX to provide proof showing why I owe this amount and neither have been able to provide me anything. I spoke with a representative in XXXX and asked for this information and was told " we do not have that on file for your debt '' I advised I was sure the amount was wrong and she asked me " how much do you think you owe or what do you think the correct balance is '' At that time she wanted to set me up on a payment plan but I was still weary about this debt because I know for a fact this debt owed is incorrect and I want proof for the debt reporting on my credit. I have also disputed this with XXXX.
Complaint sub-issue: Received bad information about your loan

I am a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, VT and have been since XX/XX/XXXX. As a XXXX, I enrolled in the Public Loan Service Forgiveness Program and began making payments that qualified my student loans for forgiveness in early XX/XX/XXXX. My loans were transferred two times and have been serviced since XX/XX/XXXX by XXXX XXXX. In XX/XX/XXXX, I began to file the Employment Certification Form annually as I have worked in a qualifying school district since XX/XX/XXXX. 

The reason Im writing is because XXXX XXXX has had, per my request, my account under review since XX/XX/XXXX. It has been 18 months since then. Currently, I have 15 months of payments that are not counting toward the required 120 months of payments to loan forgiveness. I have documentation to prove XXXX XXXX received payment these months. I have called them regularly, and documented these phone calls, and every time I call they tell me they have no idea of when my account will be reviewed. I called them today requesting my full account history with all the details of the phone calls. I was advised that I was not allowed that information. 

Im writing to your office to inform you and your staff that there are serious problems with XXXX XXXX. The people answering the phones are always professional, but give out advice that is not accurate and state they will submit requests that I later discover with a future phone call were erroneously submitted or not submitted at all. As someone who has diligently followed this process and educated myself on the PSLF requirements, Im concerned XXXX XXXX is not able to accurately review my loans and submit documentation to the Department of Education once 120 qualifying payments have been made. 

While Im certainly concerned about myself, Im more concerned about my fellow teachers and public service professionals. I am aware not everyone has the same level of understanding of the PSLF requirements that I do nor the resolve to keep in regular contact with XXXX XXXX to double check everything they say they are going to do. Many people are basing their futures on having their loans forgiven, when that may not be the case due to errors caused by XXXX XXXX. I am particularly concerned that XXXX XXXX refused to release my account history to me and is consistently not able to provide clear and understandable information to help public servants meet the complex criteria of the program. 

I appreciate any support you and your office staff are able to give to myself and more importantly, public servants throughout the country.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX/XXXX XXXX XXXX which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Clearly citi card us refusing to review the provided evidence. I have communicated the same information multi times and send the required pdf docs. 

Citi XXXX XXXX XXXX XXXX XXXX - online i disbuted a charge XX/XX/XXXX - called and talked to citi XX/XX/XXXX - sent request info to citi and XXXX confirmation email XX/XX/XXXX - citi deny dispute because I did not send in the info. 
XX/XX/XXXX - re-opene disbute and resent the required info XX/XX/XXXX - citi emails me asking for the same information
Complaint sub-issue: Account information incorrect

FEDLOAN SERVICING at XXXX XXXX XXXX XXXX, PA XXXX has been reporting inaccurate data on my credit report and is causing a negative effect on my credit report. The opening date of this account is not accurate amongst all three reporting bureaus. XXXX shows an open date of XX/XX/2012 XXXX shows an open date of XX/XX/2012. 
It is unlawful to report inaccurate data on ones credit report and i would like for this account to be taken off of my credit report immediately and to never be reported on my credit report again.
Complaint sub-issue: Trouble with how payments are being handled

I previously submitted a complaint regarding an unrequested waiver ( complaint # XXXX ). The response was that " Due to processing delay, XX/XX/XXXX was approved for override provided the following criteria is met : XXXX ) You make the monthly payment of {$300.00} within one month of XX/XX/XXXX, when you spoke with a FedLoan Servicing representative who advised of the override details and XXXX ) Your employment for this period remains certified. '' I made the requested payment on XX/XX/XXXX, and they have still not implemented the override/updated count.
Complaint sub-issue: Attempted to collect wrong amount

I have attempted to negotiate a final payment to settle XXXX debt with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX. The collector added additional Interest, collection cost and fees to the passed due balance. Do the collector have the authority to add additional fees after receiving the closing statements from the original company. Is this considered unfair business practice by the collectors?
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX XXXX and Discover do not update the free credit score/fico score like all my other cards, the only time it get updates is when I call XXXX. When I call XXXX XXXX XXXX or chat with discover they said it is up to XXXX XXXX to update when i call XXXX  XXXX  they say banks have to report. I have approx 10 credit cards all paid off and XXXX XXXX XXXX and discover is the only ones not updating my score. With other credit cards my score is XXXX and XXXX XXXX XXXX have me at XXXX-it stayed at XXXX for a few months when others updated monthly. Discover finally have me at XXXX and have not updated since XXXX. XXXX XXXX XXXX denied me home loan because of my credit score several years ago and now they refuse to update my fico score consistently like other credit card companies that also get their reports from XXXX XXXX, so I can get a better interest rate and loan amount/ XXXX  fico score XXXX Discover credit score XXXX all other credit cards XXXX - XXXX The only reason these to cards changed there score at all is because I was constantly calling them and XXXX  XXXX for awhile they both was still reporting XXXX after other cards had me over XXXX. I feel like they do not want to up my score appropriately so I don't have access to home loans. I feel I am being discriminated by these to entities. Yes I am XXXX American.
Complaint sub-issue: Their investigation did not fix an error on your report

The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX  who sustained severe injury following a fall in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function mentally. My condition was so bad that I could not manage my finances. Due to my emotional state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company
Complaint sub-issue: Can't use card to make purchases

On XX/XX/XXXX, 2022 I logged into my Bloomingdales account online and it said there is an issue with my account and for me to call. I called the number displayed and all I get is a bunch of run around. They keep playing we will send you letter with a code in it game. Now i am not going to keep playing these childish games of account holds without explanation and then want to send letters with codes. Im not going through this everytime something arises with this company. My phone number of XXXX is on the account and I own the phone number through XXXX as I have the last 17 years now. I am self employed as well so the number may appear publicly as The XXXX XXXX XXXX or XXXX XXXX XXXX. The number is mine and this letter game stops now. I have attached my phone bill to show proof that this number is mine and to knock the nonsense off. Further denial to my account when i call in or asking for letters with codes will result in legal action. This has gone far enough. I have had to provide codes from letters almost 3 seperate occasions now. If the phone number on my account is the number im calling from, then use it and stop playing games. I was out of town that weekend of XX/XX/XXXX22 and if I didnt have other credit cards to use then i would have been XXXX because this company doesnt care. I tried explaining this to the rep and she didnt care to hear. Most credit card companies resolve any issue right there and then on the phone and not hindering a consumer from using thier card. This is a complete disgrace and they need to come up with a better procedure then this.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ..XXXX XXXX XXXX Acct # XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Problem with personal statement of dispute

I am complaining about my Equifax credit report score decreased by 50 points. Equifax has allowed three disputes on my credit report, and I did not authorize these disputes. XX/XX/2020, received an alert from XXXX XXXX my score decreased by 50 points. I reached out to Equifax, I spoke with the representative XXXX, employee XXXX. XXXX confirms three disputes show on my credit report, and it is pulling down 30 % of my credit ratio. I inform XXXX  I did not request for any disputes on my credit report how can I stop and remove the disputes? XXXX states there is nothing I can do ; I had to wait 30 days for a response. XXXX informs the three disputes are paylaince, XXXX XXXX, and XXXX  XXXX. I told XXXX  it is impossible to have a dispute for XXXX because I paid off this account, XXXX refuse of stop the is dispute I did not request.
Complaint sub-issue: Right to dispute notice not received

I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : Equifax showing 8 late payments XXXX showing 10 late payments XXXX shows no payment history Equifax shows a payment on XX/XX/XXXX XXXX shows no payment history for year XXXX Status Update errors that have not been corrected since XX/XX/XXXX : Equifax showing XX/XX/XXXX XXXX showing XX/XX/XXXX XXXX showing XX/XX/XXXX I have disputed the errors XX/XX/XXXX in which XXXX says its been resolved and equifax shows no information on my investigation, and XXXX shows nothing on my report about the company. 

I am familiar with 15 U.S.C. Sec. 1681 ) ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want this account deleted according to this law, it's not 100 percent right and correct.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I went from having a family of 4 Auto Insurance policy coverage to getting a policy for 2 of us. During the last 6 months of the family of 4 auto insurance poicy coverage period, I was moved from 2nd person on policy to 1st person, primary policy holder. I was moved into the primary policy holder position because of my credit rating being better then my spouse. When this happened, I became the primary policy holder.

When I became primary policy holder for family of 4 plan, for the 6 months, all the previous accidents went against me when I tried to pull up rates from online auto insurance rate companies. They said that they use Lexisnexis system to pull up policy accident reports. 

3 of these accidents belonged to my daugher. 1 accident belonged to my spouse. I was trying to get a policy for me and my son. Neither of us had any accidents. But the accidents were now being used against me because Lexisnexis system shows all these accidents were from my family of 4 auto insurance policy, and I was primary policy holder on the date I was trying to get a new auto insurance policy. 

My online auto insurance quote, from XXXX XXXX, went from {$70.00} a month to {$170.00} a month. 

I have to get another auto insurance policy in XXXX. I need these accidents removed from my Lexinexis profile. I just got done paying an extra {$100.00} a month, for 6 months, because these accidents, that weren't mine, were applied to my premium. 

I need Lexisnexis to remove these accidents. On XX/XX/XXXX, I ordered my Lexisnexis consumer report from their website and I have not received it yet. 

I need Lexisnexis to remove these accidents, and I'm running out of time to do this in their system. 

Please start a complaint investigation in your system. 

These are the accidents that were used against me from my family of 4 auto insurance insurance policy : XX/XX/XXXX Daughter Rear ended XXXX XXXX  vehicle at a stop light in the XXXX XXXX XXXX Paid out {$2500.00}, claim number XXXX, policy XXXX XX/XX/XXXX Daughters friend, driving XXXX XXXX XXXX, slid on snow/ice, hit trees. Driver complaining XXXX XXXX XXXXXXXX XXXX Paid out {$7000.00}, claim number XXXX, policy XXXX. 

XX/XX/XXXX Insured driving XXXX XXXX XXXX XXXX XXXX XXXX when driver side front tire fell off- Male Spouse Male Spouse was the driver, paid out {$3400.00}, claim number XXXX, policy XXXX. This was a claim that paid out under comprehensive. Everything else was collision. 

XX/XX/XXXX Insured vehicle turning left on XXXX from XXXX. XXXX XXXX had the green light, other vehicle turned in front of her to make his left onto XXXX, hot other vehicle on passenger side. s Paid out {$8100.00}, claim number XXXX, policy XXXX. Daughter was the driver for that one. 

From my XXXX XXXX policy # XXXX