Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Having problems with customer service

On XXXX XXXX of XXXX, according to Discover, I took out a education loan. In XXXX of XXXX after becoming delinquent on my account I paid Discover off. Discover is currently reporting XXXX education loans originating on the same day. Both loans are being reported as negative accounts on my credit report. I have informed Discover that they are duplicate accounts, but Discover refuses to remove the information from my credit report.
Complaint sub-issue: Problem during payment process

I have tried numerous times with Discover to take out my payment within a decent time. They take up to XXXX days and have taken longer to take out my payment. I have had stellar payment history, even though the pandemic. As soon as I moved to XXXXXXXX XXXX I have been having problems with them taking my payment out. They keep saying it is because my bank has not confirmed that they can take the payment from my account yet, when I call my bank they tell me they haven't received anything from Discover. That has been the back and forth. I live paycheck to paycheck right now due to XXXX and have not been making the money that I used to be making. Taking XXXX days to take out a payment does not work for me, plus they have never done this in the XXXX years I have been with them. This has resulted my account going negative and shutting the card off. Another factor is I could only pay XXXX dollars on my card this month. They received the payment and it was taken from my bank account but ( originally XXXX, - {$140.00} ) and now that the payment processed and went though I am now at XXXX, - {$170.00}. That makes XXXX since to me. If I pay something, usually its supposed to be subtracted from the total not added. They will not help me nor, send the collections payment to someone else so I can pay this off. It has affected my credit score drastically since dealing with this and can do nothing for myself. I am drowning as is with XXXX and having to move cities just to stay afloat.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 a account without my written instructions
Complaint sub-issue: Problem getting your free annual credit report

Sagestream llc came up on my credit report back in XX/XX/XXXX so on XX/XX/2019 faxed my info to them i called them 3 times no respond all I want is my consumer report I'm at a dead end just trying to figure out whats on there report I need some help.Thank you XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Great Lakes Educational Loan Services , Inc reported an alleged debt to my XXXX, XXXX, & XXXX credit report which is a violation of 15 USC 1692c ( b ) 15 USC 1692b ( 2 )
Complaint sub-issue: Account status

The account XXXX credit card listed as a charge off in collection status has not changed in 60 days. I have wrote and called equifax and all they do is write paid in the comments. The payment status of the account should say paid was charge off. 
The company ' has sent the correct information to the equifax and still they have not updated the payment status to reflect it as. A paid was charge off status. 
I am in the process of mortgage and have explained this to equifax with no luck Also the company capital accounts for pet vet has asked equifax to delete the account pet vet from its records off my file and they have not done this.