Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

During the pandemic, XX/XX/XXXX, I contacted XXXX XXXX for late payment forgiveness for obvious reasons at the time. I had missed my payment and contacted them once I paid it off to see if they would forgive the missed payment due to the global crisis. Instead, they returned and ADDED a second missed payment to my XXXX account from XX/XX/XXXX. I have no idea where that came from or why I wasn't notified but having two missed payments on my credit is hurting my business as we are growing and looking to secure financing. 

Those missed payments do not accurately reflect my credit worthiness. 

Please help me fix this and hopefully remove both of these missed payments from my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

US BANK Credit Card closed XXXX of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over XXXX years of credit history, NEVER late on any payments, no XXXX.Maintained perfect XXXX cs for XXXX year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my credit score dropped by XXXX points due to that. XXXX points because US bank auto-closed my account ( not me ). 
Please help to restore my excellent XXXX credit score as this is unfair. Thank you!
Complaint sub-issue: Frequent or repeated calls

This company not only repeatedly called me from various numbers, they implied I needed " counseling services '' on my account statement.
Complaint sub-issue: Problem with product or service terms changing

I have accounts on my credit that are not mine and not authorized by me.
Complaint sub-issue: Not given enough info to verify debt

I reviewed my credit report and saw a collection item from AFNI Inc. which I was never aware of and never received any kind of correspondence. I disputed the item through the XXXX credit reporting agencies and this company responded to them in record time that these items are valid which is untrue. I then sent a letter via certified mail in XXXX and got absolutely no response. Yet instill this collection item is still currently on my credit report and causing me to be denied credit.
Complaint sub-issue: Denied request to lower payments

So last month I contacted the CFPB in regards to my loan company Carmax XXXX in regards to putting the two months late payments in the rear or the end of my loan, as well as changing my monthly payments due date. At that time I was referred to XXXX ( who by the way was great with the entire process ) However I was told that if I made to payments that they would put the final payment which would have been XX/XX/XXXX Payment in the end of the loan. Which I did make the two payments as requested and required. However I still that late payment and my account is still 30 days past due and I am still getting threatening collection calls and letters from carmax regarding that 30 day late payment. So to me Carmax did not hold up their end and there is absolutely no way that I can come up with any extra payment again. When we agreed to the 2 payments and the final payment would have been placed to the end of the loan. The two payments that I made already caused me a hardship with my other bills. Now my carmax account is showing XXXX and 33 days past due! This is borderline horrible! And Carmax is being misleading and sending false documentation to you and me as far as their responses go!
Complaint sub-issue: Received bad information about your loan

This complaint is in response to another complaint I filed previously in that  Sallie Mae r efused to give me information about my cosigner release., this is NOT a duplicate complaint. The first complaint got me that information now I am filing this complaint in that I think  that Sallie Mae 's P olicy on debt to income ratio is calculated incorrectly. They are currently telling me that they calculate my debt to income ratio by taking my full loan amount and d ivide it by one ye ar of my income. Now the reason I am questioning this policy is that with every other loan I 've ever dealt with the debt to income ratio is calculated by taking the full loan amount and dividing it by my income for the life of the loan or by taking the monthly loan payment and dividing it by my monthly gross income. When I questioned  Sallie Mae abo ut this they stated that is not how they do it without giving any more reason than that. I think that without being able to legally prove their policy on debt to income ratio, or provide any paperwork showing I agreed to it, that they need to calculate debt to income in the same manner that the rest of financial institutions use.
Complaint sub-issue: Funds not received from closed account

Hello, on XX/XX/2022, I deposited the funds required for opening an account with East West Bank of XXXX {$2800.00}, and then received an email from East West Bank indicating that my account was unilaterally closed. I then consulted East West Bank customer service, and they told me that my account was closed and that my funds had been returned the same way. But my wise account has not received any refunded funds so far. Please help me to check.
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 XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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: Problem getting your free annual credit report

Can not get my credit report thru their main website or my annual credit report. Shows no credit history or my tradelines. 
Need to be compensated for this for violations of my rights under the fair credit reporting Act. Violation {$1000.00} per occurences which is a total of 5 violations so need payment of {$5000.00}.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see.
Complaint sub-issue: Information belongs to someone else

Someone has stolen my identity and opened up 6 different credit cards in my name. My credit reports are currently showing these fraudulent accounts XXXX XXXX  XXXX opened on XX/XX/XXXX and charged off with a balance of {$2500.00} XXXX XXXX XXXX opened on XX/XX/XXXX that has been paid and closed XXXX XXXX XXXX  opened on XX/XX/XXXX and charged off with a balance of {$1100.00} XXXX XXXX XXXX  opened on XX/XX/XXXX currently open with a balance of {$460.00} XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX sold to XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$3100.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$400.00}
Complaint sub-issue: Reporting company used your report improperly

There are 147 soft inquires showing on my credit report that are not permissible and where not authorized, experian is constantly changing the information on my credit report such as name, address, credit accounts not reflecting all 48 accounts including refinanced accounts they are just reporting them closed and they are not close, accounts reporting with two statuses to confuse the scoring system as it only scores from any account that has only one status. 

Letter of intent mailed XX/XX/2022 if report is not corrected complaint will be filed under section 609
Complaint sub-issue: Their investigation did not fix an error on your report

The debt collector XXXX XXXX XXXX XXXX XXXX is reporting an unpaid collection on my Equifax credit report. I have disputed this collection several tines now with no proper investigation and responding " Verified as Accurate ''. The original creditor waited over XXXX year past the date of service ( XX/XX/2021 ) to submit a claim to my medical insurance under the correct Member ID for payment resulting in their claim being denied as per XXXX XXXX ( XXXX XXXX ) they are only allowed up to XXXX  months to submit a claim. Attached is the documentation from XXXX XXXX stating that I am not responsible for ANY PART OF THIS DEBT!!! I OWE ZERO FOR THIS DEBT!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In my XXXX XXXX Credit Card XXXX, issued on XXXX XXXX, XXXX in addition to my normal purchases I found unauthorized charge for {$11.00}, showing in statement as XXXX XXXX   XXXX. I did payment of my authorized due balance and disputed this {$11.00} charge. XXXX phone agents did not accept that the charge was done by their affiliated insurance agency ( though on web there are many fraud alerts on this scheme ) and decided to replace my credit card due to fraud activity. In reply to my XXXX XX/XX/XXXX dispute I was informed that my dispute was properly accepted for processing ( I have same day email notice confirming that ) and I should pay any due amount except the disputed balance. Since I had no any overdue payment I was assuming that the issue would be properly resolved soon and new card would arrive. What was real surprise for me is receiving next statements indicating the same charges plus some other charges applied to this unauthorized charge, plus new small charge of {$0.00} form the same XXXX XXXX XXXX, dated XXXX XX/XX/XXXX. 
After XXXX months no dispute resolution notices were received from XXXX. When I called to customer support on XX/XX/XXXX the agent rejected to provide any reasonable explanation for the situation and was trying to forward me to this XXXX XXXX ( which I do not now who they are ). In fact, XXXX instead of resolving the disputed transaction is trying to protect someone's interest ( which assumably is affiliated with them XXXX and continuing applying same charges and more additional fees. After understanding this fraudulent scheme : illegal credit card add-on practices by XXXX on XXXX XX/XX/XXXX I had requested closing my account immediately. Since XXXX is non-responsive on this issue and this situation may affect many consumers I had no choice but applying to CFPB for resolution of case.
Complaint sub-issue: Account status

On XXXX/XXXX/XXXX, I called XXXX because I notices an entry from them on my credit history. I spoke to an agent and learned that there was still a balance on my account from when I moved out in XXXX. I paid the full amount and asked that I be sent confirmation of payment. After 60 days, I followed up, in XXXX and asked that a satisfaction of debt letter be sent to me. At that time, I was assured that the listing would be removed from my credit report. In XXXX, I pulled my credit histories and found that the listing was still on my account. I called them on XXXX and was assured again that the listing would be removed and that the delay had been caused by a merger with XXXX. I was also told that they are not the holders of the debt and should never have collected the debt from me in the first place. I argued, saying that, in fact, they gladly collected my money and assured me that they would remove the negative listing. Finally, I was told that they would have the mark removed. To date, XXXX is still listing a negative mark on my credit history despite 6 months of promises to remove it. I am complaining both to have this listing removed and because this kind of willful negligence of their reporting responsibilities is unacceptable and needlessly damaging to me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax has made it impossible to log in and dispute inaccuracies on my credit report. The website system is at fault. It ca n't locate me, even with the extensive list of information the made me confirm, the website still has problems and ca n't find me. It tells me the information does n't match. I assure you, the information provided is accurate. If it does n't match, it is due to inaccuracies in THEIR bookkeeping. They are essentially using poorly maintained technical mechanics on their website, to prevent me from disputing inaccuracies. How ever convenient for them. Yes infuriating for me. I need CFPB to get someone from Equifax ( and I mean XXXX XXXX NOT the terrible XXXX based customer service people they employ. These people are useless beyond measure. I need a high level manager at Equifax to CALL ME. Leave a message with a return number in case they end up leaving a message. I want to talk to someone HIGH UP in their organization who can make things happen, so that I can successfully log into my account, pull up my report, and file a dispute. At present, due to website glitches, I ca n't do any of this. I DEMAND a sr manager in credit reporting and inaccuracies to call me.
Complaint sub-issue: Attempted to collect wrong amount

On XXXX @ XXXX XXXX, I contacted Professional Credit Services. I spoke to XXXX and XXXX that day. I communicated that I wished to make payment of {$760.00} which is what all three credit bureaus show I owe even though I believe this debt is not valid. I was told I owe {$3800.00} and they would only agree to a settlement of {$1800.00}. I declined this as a resolution since the amount they claim I owe is different from whats being reported on my credit reports from XXXX, XXXX, and XXXX. I paid cash for my visit to this hospital and believe this is an error in billing but was willing to pay the {$760.00} because the collection is causing me financial harm. 

On XXXX at XXXX XXXX, I called Professional Credit Services and once again I asked for XXXX and was then directed to a gentleman whom I'm sorry I don't have his name. They had supplied me with the ref their end of XXXX. This was a drawn-out conversation as once again the whole subject was discussed and that's when I was told the {$1800.00} was now incorrect and that there was no way anything would be reduced and I owed {$3800.00}. Now, theyve changed the amount twice each time Ive called and the credit bureaus are still reporting that I owe {$760.00}. Again, I believe this collection is a mistake to begin with but was willing to pay what the credit reports showed I owe because it was causing me financial harm.
Complaint sub-issue: Problem with personal statement of dispute

I have been a victim of identity fraud and Citi Bank ( CBNA ) was one of the companies the person ( s ) attempted to open an account through. I followed all the correct steps with identity theft.gov and sent them all the necessary paperwork to dispute the claim and have the inquiry removed and information sent to me. I received a letter back stating without an account number they are not willing to do anything further with the mater. I have called and can not get an account number or any help in resolving this matter over the phone. I have worked for years getting my credit to where it is and to have someone ( s ) try and destroy something I have worked so hard for so long for is awful, then to have these giant corporations act like it is no big deal and thy have no responsibility to help when all the proper documents were sent to them is beyond frustrating. I just want them to work with me and not against me in getting these inquires removed from my credit report.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

With : XXXX XXXX XXXX XXXX, the Commercial Revolving Charge Card On XXXX XX/XX/XXXX I attempted to use the Online ( website ) portal to pay my outstanding Statement Balance. I have successfully completed payments towards my Credit Card in the past. The outstanding Statement Balance was {$17000.00}, the Website was active enough to permit me select Statement Balance, however when I clicked on Submit Payment it NEVER communicated Payment Successful or Complete. 

I then processed to use the Toll-Free phone number to complete my payment Home Depot Credit Services has the Software Algorithm configured wrong that it permitted the Automated Computer system to Duplicate the ACH electronic transfer of funds and not only zero out my Credit Card Balance but put the card into what they reflect as a negative value ( Over Payment ) of Over {>= $1,000,000} as of the XXXX XX/XX/XXXX. 

Home Depot Credit services does acknowledge this and lets the consumer request a refund but then provides me with the completely unacceptable approach as the solution Thank you for your message regarding your account. Your refund request will be processed on XX/XX/XXXX. Out policy is to have last payment made posted to account 10 days before issuing refund. You can expect your refund check in 7 to 10 days from XX/XX/XXXX to your business address. Thank you for being a valued customer. 

Not only should Home Depot Credit Services Payment Process not be configured to permit such a thing but to NOT USE ACH to return the acknowledged Duplication immediately is unacceptable from an approach of handling Consumers Money
Complaint sub-issue: Information belongs to someone else

i keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. 

XXXX XXXX  Never had this card or account XXXX XXXX Never had this card or account XXXX XXXX / card Never had this card or account