Johnade/consumer_complaints_cfpb huggingface dataset:
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 Account Name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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: Trouble with how payments are being handled

I received an email saying that I had until XX/XX/XXXX to submit my loan payment for the month. When I attempted to log in, I got a " Site under maintenance '' page. No biggie, I work in software so I waited a few hours and tried again. Same page. 

I looked online and found a twitter post from XXXX  ( @ XXXX ) on XX/XX/XXXX, stating : " We are currently experiencing technical difficulties with our mobile application. We apologize for any inconvenience this may cause and we will notify you when this is resolved. '' Only it's not isolated to the mobile application. I can't access the customer support information from the site, I can't repay my loan from the site. And I'm not aware of any other ways that I can make a payment. There are tweets in the thread spanning from XX/XX/XXXX to XX/XX/XXXX, with people complaining that they're unable to log in. 

I can't access the contact information for the company either, because when I click " Contact Us '' on the main page, it says " Site under maintenance ''. 

I looked at their online terms of service, and there's a clause that states they aren't responsible for inability to access repayment portals even if they are the ones that caused it. 

Snippet from the Warranties Disclaimer from PHEAA 's Online Services Terms of Use " YOU ACKNOWLEDGE AND AGREE TO USE ONLINE SERVICE AND ANY MATERIALS OR INFORMATION PROVIDED BY PHEAA ( INCLUDING THIRD PARTY INFORMATION, PRODUCTS, AND CONTENT ) AT YOUR SOLE RISK AND THAT PHEAA CAN NOT GUARANTEE AND DOES NOT WARRANT THAT YOUR ACCESSS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE OR THAT THE INFORMATION ACCESSIBLE FROM ONLINE SERVICES WILL BE FREE OF COMPUTER VIRUSES ''
Complaint sub-issue: Information is not mine

Equifax has been notified multiple times by phone, fax and website via the dispute link of account ( s ) that are appearing on my credit report due to fraud. They have been provided law enforcement reports ( ie., police reports, FTC , etc. ), dispute letters and other supporting documentation to prove my identity. They have constantly failed to resolve the matter and furthermore investigate. The account ( s ) being disputed as fraud are : XXXX XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX Acct # XXXX ; XXXX Acct # XXXX, supporting documentation to support my claim has been provided to them. They state that " the information means nothing, if the creditor does n't respond they ca n't do anything. '' Time after time, I have disputed the account ( s ) and all the times, I receive a notice the following day stating " update, account remains. '' They are doing nothing to investigate nor help the consumer at all, that is my right as a consumer and their job as a data furnisher and/or credit bureau to investigate and rectify the matter.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Complaint sub-issue: Don't agree with the fees charged

In XX/XX/2019, I called what I believed was FedLoans Servicing. I  wanted to apply for the teacher forgiveness program. I was connected to a man named XXXX in Florida. He told me that I would do better going for the public service program. He gave me the information and said he would put it through. I told him I really didn't understand what he was saying, but he kept assuring me that he knew this was better. He said that I would need to pay {$190.00} for the next three months to catch everything up, then my payment would be {$100.00} per month for the next 10 years. I am positive that he did not tell me that those charges were adminitrative fees because I would have said no. I gave him my banking information and they took the first two fees out on XX/XX/19 and XX/XX/19. After that, for whatever reason, the third payment did not go through, so they started to call for the last payment. It was on the verge of harrasing behavior, so I got concerned and started calling FedLoans. They said they did not initiate any repayment plan for me and that I probably got connected to a third party. FedLoans told me that they do not charge for these services and that I should file a complaint. So here it is. I further got concerned when I called them to find out what was going on, they never answered the phone with a company name, only a person.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX, the consumer, rights has been violated. 

Pursuant to 15 usc 1681b a ) Subject to subsection ( c ), any consumer reporting agency my furnish a consumer report the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I the consumer XXXX XXXX, have never given permission to report anything on my consumer report. No consent is IDENTITY THEFT. 
1. I am demanding the removal of this inquiry : XXXX XXXX - G 2. I am demanding the removal of this accounts : XXXX XXXX : XXXX XXXX : XXXX XXXX :
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern, I am hoping for your help to remove a late mortgage payment record in my credit history. 

I had my account on auto-payment for the XXXX of every month, and decided to move it to the XXXX of the month, because my mortgage company kept marking it as 'late ' in my billing statements, and then reverting it to on time every month. I just wanted a clean bill, so I moved it to the XXXX of the month, but confirmed my auto-payment, which showed online as still being active. However, I was surprised when I received notice that I was delinquent in my payments, and realized their system had stopped auto-drafting my account. I called in and their customer service rep told me it was an error on their part, so she waived my late fees, etc. However, she told me I'd need to write to their credit dispute department to reverse the incorrect record of the delinquent payment. I asked for a number, and she said they didn't have one, and I'd need to write in. I had written in at least 4 times, but only get an automated response, with no explanation or resolution. The delinquent payment is still in my credit and has pulled my score down, and made it very hard for me to refinance my loan or get a new loan. 

Please help me, as I don't think this is fair, and I could really use a new loan. Thank you in advance.
Complaint sub-issue: Problem during payment process

I tried making a payment on line but never received my credit card with the account number on it. My bill does nt have the full account number on it. I spoke with a representative of city bank the institution that i have the visa credit card through. The representative said she would send me the credit card 4 weeks ago. I have not recieved the cards. I cant make a payment over the phone and access my account without the account number. I sent a payment in by check but it was late. Citi bank charged me a late fee. I cant use the service they provide as an alternative method of payment without the account number. I believe they purposly dont send the card so you'll be late on the payment. This isn't fare. I can send it in by regular mail no problem but this is deceptive. I want the cards and the late fee removed. I cant even use a card I dont have. The account ends in XXXX thats all info they give you on the bill. And I cant get anybody from customer service on the phone.
Complaint sub-issue: Trouble using the card to pay a bill

XXXX My account would not allow me to use any of the application features so i reached out to customer support. I was told that the matter would be escalated to another and that I should receive an email by the end of the day. 

XXXX I had not received an email so i reached out to customer support on the app only to be told the same. I then called customer support only to be told the same but also that I would have an email back by the following day at the latest. 

XXXX I had still not received the email so I reached out again through the app and was told that I still could not be helped and that they had no update. 

XXXX I received a direct deposit from my employer and then an email and text saying my account had been suspended due to suspected fraudulent activity and that it would be unlocked in 24-48 hours. Again I reached out to the provider through the app and was told the same thing that the text told me. 

XXXX I received a text saying my account was unlocked and it could be used but when i attempted to use it I had the same result of when the account was suspended. Again I contacted customer support, but I was told they could not help me. 

XXXX I contacted customer support again through the app and searched for alternative means of communication since they were not taking phone calls. I had no successes and was again told by customer support through the app that I can not be helped. 

XXXX Again I contacted customer support about the same issue and again I was told that I can not be helped. I still have not received the email I was promised would take no more than 48 hours.It has been 72 hours since I was told I would receive an email. It is not in my spam or junk mail and was not overlooked. The correct information is on file. 

During the course of my patience with this provider, I have had bills due and my children at home hungry. I have voiced this to the customer support but have not had the case escalated or rectified.
Complaint sub-issue: Debt was paid

This company is tried to collect on an alleged debt that was already paid and already removed from all three bureaus of my credit report. I have never heard of this company, nor their attempts to collect this alleged debt until I received notice from my credit monitoring service that I had a new collection.
Complaint sub-issue: Account information incorrect

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I reached out to you guys around XX/XX/2018 regarding some things on my credit that is not mine. The accounts were removed except for XXXX XXXX XXXX and XXXX XXXX. As I went through my reports I also saw some inquiries that I dont know nothing about. XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Please have this false information removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  credit card on my equifax report, is showing open and the account is closed. XXXX XXXX accounts ( 2 ) showing up on my equifax credit report closed with {$0.00} balance. These accounts are paid, and should be removed from my report! Please get them removed from my credit report. Also a collection is showing up from XXXX XXXX for {$2200.00} - This is NOT a joint account and should not be showing on my report, as it is not my collection account. Please get these XXXX XXXX accounts removed from my report, or I will be getting a lawyer.
Complaint sub-issue: Debt was result of identity theft

ERC had been contacted along with their client, numerous times by me in attempt to resolve this issue but have been ignored and this false negative report is and has prevented me from getting the needed score to obtain loans for my business, which is and has been leading to ongoing losses in my business.
Complaint sub-issue: Account information incorrect

On XX/XX/21 I was recently denied credit and I pulled my credit report and I found out I was violated under the federal protections provided to me as a consumer under the FCRA.15 USC 1681a ( 2 ) ( B ). clearly states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report.

A social security card is a credit card defined pursuant 15 USC 1601 ( l ) under TILA which is the same as the definition as a credit card under the FCRA stating any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

The following extensions of credit included in the attachment letter were authorized from my social security card or my credit card and these accounts are in violation of 15 USC 1681 ( a ) ( 2 ) B ).

These accounts also are in violation of 15 USC 1681b ( 2 ) because I did not give written content to furnish these accounts and therefore these accounts do not have permissible purpose. By releasing this information they have violated my right to privacy pursuant to 15 USC 1692a and as result have caused me damages from emotional stress, additional barriers to receive funding during the pandemic, and aided in tarnishing my reputation.

I DEMAND a removal of these accounts as a federally protected consumer under the law.

This is me and not done by no one else. I have sent notarized letters to the Equifax
Complaint sub-issue: Frequent or repeated calls

i have been called 20 times by this company in the last 10 days ( XX/XX/2023 - XX/XX/2023 ) including late calls. I have ask them to stop calling so much as i am at work or trying to get my child to sleep at night. 

the representative that i spoke with just laughed and said yea sorry about that. 

the calls continue everyday, multiple times a day. Ive never agreed to do business with this company. This is an account that was sold from another company.
Complaint sub-issue: Information belongs to someone else

So there Is somebodys bail bonds debt from XXXX not mine and they keep putting it on my credit threw various corporation and the credit bureaus are letting them do it it was put on the credit bureaus in XX/XX/XXXX and now here we are in XXXX same debt reported from a XXXX account the company is XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX ca XXXX and also XXXX XXXX XXXX. XXXX XXXX XXXX as California law states under section 337 of California code of civil procedure written contracts have a four year statue of limitation plaintiff must sue the defendant within four years of the alleged breach of contract ... ..also account isnt mine nor has it ever been Ive told them this it was identity theft someone stole my identity and also used it the amount of debt was {$5500.00} and is now at {$7800.00} and account number is XXXX they are committing a serious offense and equifax and XXXX  are letting this happen the debtor is XXXX XXXX which was also reported to my credit
Complaint sub-issue: Debt was paid

Debt collection is trying to collect {$67.00} for my utilities of WiFi through XXXX XXXX when I know that all of my bills has been paid off when I returned the WiFi equipments. I asked the company if I owed anything at the time of cancellation and equipment return if I owed anything and they said no.
Complaint sub-issue: Old information reappears or never goes away

On Saturday,  XXXX   XXXX ,    2017  I sent by certified mail a  XXXX  letter to equifax. On Tuesday,  XXXX   XXXX ,  2017  according to th e USPS tracki ng information it was received. Today is Tuesday,  XXXX   XXXX ,    2017  and according to my  XXXX   XXXX  report there was a collection by the name of  XXXX   XXXX   XXXX  that was removed and added back again to my report. I have not received any type of letter, phone call, or email from either the collection agency or equifax stating that this item on my credit report would be removed or added. If the research I have done is correct, it states that once an item is removed they have to send you a letter giving a 5 day notice stating that they are added something back onto your report and if not it has to be deleted because thats illegal and in violation of the FCRA. Ive reached out to equifax and was told there is nothing they can do.
Complaint sub-issue: Threatened to take legal action

Below is a transcript of the voicemail that was left for me on my cell phone. 

" My name is XXXX XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from XXXX XXXX XXXX XXXX, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX Extension XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up ) '' The collector also called me at my office. He then disclosed he was calling about " Loan Me. '' He stated the balance that he said that I owe telling me it was charged off XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. 

I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.
Complaint sub-issue: Information is not mine

Reviewed my credit report and their is a fraudulent and unauthorized credit inquiry listed on my Equifax credit report. The following credit inquiry is unauthorized and fraudulent : XXXX XXXX XXXX, XXXX/XXXX/2016. Furthermore, I want the following addresses removed from my credit report, I have never lived at the following addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX
Complaint sub-issue: Information belongs to someone else

THIS IS A RE- INVESTIGATION MATTER. AS YOU CAN SEE FROM MY CREDIT FILE I HAVE HAD IDENITY THEFT BEFORE. SOMEONE HAS REQUESTED A INQUIRY ON MY CREDIT FILE AND IT WASNT ME. I HAVE SENT LETTERS TO ALL THE CREDITORS LISTED BELOW ASKING FOR REMOVAL OFF MY CREDIT FILE. FOR INSTANCE WHY WOULD I REQUEST XXXX XXXX TO PULL MY CREDIT BACK TO BACK NUMEROUS TIMES IN A 2 DAY PERIOD. DOESNT MAKE SENSE. I AM REQUESTING FOR IMMEDIATELY REMOVAL OF THESE UNAUTHORIZE INQUIRIES THAT I DID NOT AUTHORIZE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM XXXX AND DO NOT DRIVE DUE TO A INJURY IN XXXX THESE ARE AUTOMOTIVE INQUIRIES PLEASE REMOVE FROM MY CREDIT FILE
Complaint sub-issue: Account status incorrect

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX   only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Complaint sub-issue: Information belongs to someone else

I registered for a class in New York with an XXXX. ( XXXX XXXX by XXXX XXXX I took out the loan to pay for the classes. The XXXX ( XXXX XXXX said that there would be training, a certification after completion, as well as equipment to start my own business. I didnt not receive any of this. Ive called and explain this to Acima and they informed me that the loan was for a pair of glasses. I dont wear glasses nor would I pay close to {$3000.00} for a pair of glasses. I told them that was a mistake and the company that they are providing a loan for must be fraudulent. I dont have specific dates on when I registered for the classes it was during the pandemic but Im sure Acima has that information as well as the date that I called in about this company. I didnt take the classes or receive certificate or equipment.
Complaint sub-issue: Account information incorrect

On XXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.
Complaint sub-issue: Was not notified of investigation status or results

Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter with respect to incorrect and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to promptly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased quickly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax information break and may have gotten under the control of some unacceptable individual.
Complaint sub-issue: Confusing or misleading advertising about the credit card

constant incessant us mail solicitation have told discover card NUMEROUS times to cease and desist any and all solicitations. 
But they continue and continue and continue and I am XXXX XXXX OF IT!!!
Complaint sub-issue: Information belongs to someone else

Last XXXX I consolidated all my loans with XXXX XXXX. I also changed my checking account because of a fraudulent charge. During the consolidation I the agent asked me about a $ XXXX  monthly payment with Lending Club. I went into my Lending Club online account, I had a previous loan with them that XXXX XXXX paid off, and found no open loans. I believe this charge is 'phantom debt ' and I want it removed from my credit report.