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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX # XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$220.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$390.00} XX/XX/XXXX XXXX. XXXX # XXXX {$1500.00} XX/XX/XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$450.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX XXXX {$4200.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumers 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: Information belongs to someone else

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022
Complaint sub-issue: Other problem getting your report or credit score

SageStream has ignored/refused to provide me copies of reports and scores associated to my identity. 

I have made requests via their website, via the usps and sent faxed and certified mail requests to SageStream multiple times and included any and all documentation the company requests for identity/address verification purposes. 

All requests have gone unanswered. 

No one answers the phone at SageStream either.

I am requesting a copy of my SageStream consumer report, also referred to as a credit report, a consumer file, or a disclosure report and my SageStream credit score.

Requests for my SageStream consumer report and my SageStream credit score were submitted to SageStream ( in multiple formats ) on or about the following dates : -    XX/XX/2019 - XX/XX/2019 - XX/XX/2019 - XX/XX/2019 All proof of identity documentation they request was included with all of the prior requests submitted to their company to confirm my identity ( per their instructions ), but they have not acknowledged any of my requests. 

I am aware of other family and friends experiencing the same type of poor customer service from SageStream as well.

If SageStream wants the ability to be able to profit from collecting consumer / private information and also profit off of this consumer information -- then SageStream should also be required to follow the law which they have failed to do multiple times. 

SageStream is blatantly ignoring their duties and they should not be permitted to violate federal law and or their requirements.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Filed out a FTC Report, For inquires That don't belong to me.
Complaint sub-issue: Debt is not yours

I have never received any calls or mail from this company before over any debt. Today Im served with court papers for a medical bill. It has mine and my spouse name on it. We are confused and want this resolved so that we do not have to go to court.
Complaint sub-issue: Trouble with how payments are handled

I have a Federal Direct Plus Loan. I have attached loan paperwork to show that it is on a Standard repayment with fixed monthly payments for up to 10 years with a fixed interest rate of XXXX %. I have been paying that fixed monthly payment of {$190.00} for 5 years, and received an email from my Servicer ( Nelnet ) XX/XX/XXXX, stating that after a periodic review, they had to raise my monthly payment so that I would be paid off within the remaining term. Although the increase was n't that much, I had never heard of this happening, nor did most people I asked. I called the Servicer, and the 1st XXXX reps I spoke with had no idea why, then I asked for a supervisor who was n't much help either, then asked to speak with his supervisor. I was given many explanations. First, it was a miscalculation or mistake, then I was told that student loans are different than regular loans, and they can basically do whatever they want as it is stated in the fine print. When I asked if I could see the paperwork with the mistake and that fine print, they said they would n't be able to as they service too many loans. They actually told me that they were saving me money because they do n't always find these mistakes until the end of a loan, and if people ca n't pay it in a lump sum, then they have to go into repayment. I will admit that I had a couple of late payments, which when I called to pay them, I was told that my account was in good standing, there would be no late fee, and they did n't even report late payments to the credit bureau. I asked the supervisor if these couple of late payments were the cause of this and he assured me it was not. I contacted the Dept of Education who put me on to an ombudsman who basically said this does happen ... but he 's not at liberty to give info about these Servicers, even though I saw a lot of negative comments about my Servicer on the internet. I wonder how much oversight the Dept. of Education has over all these companies they use to service their loans. I have XXXX other Servicers, and worry that this could happen to the other Parent Plus loans we have, or to my kids Stafford or XXXX School loans which would be far worse as they and all students struggle to pay off their loans without this even happening. I have been advised by many knowledgeable friends to continue to pay my old payment so that I am not agreeing to their new terms until this is straightened out. When I call to make my payments, I verbally tell them this and they say they are putting it in the notes. But now they keep calling to say I 'm past due. And XXXX agent said they might report me to the credit bureau which they said they did n't do. I would appreciate it if you could please help me with this situation. Thank you!
Complaint sub-issue: Reporting company used your report improperly

Equifax continues to provide false score on my report. The didn't exercise grave responsibility, have been unfair, partial, and didn't respect my rights to privacy. Lastly, they didn't have my consent to report anything. I demand that all negative items be deleted from my equifax report.
Complaint sub-issue: Frequent or repeated calls

XXXX ( automated dialer call from Volkswagen credit ) has called me XXXX times in the past XXXX months without my express consent. I have called and asked to speak to a supervisor regarding this, one was supposed to call me back and never did. I attached screenshots of the dates and times of the calls.
Complaint sub-issue: Information belongs to someone else

Hi I am a victim of identity theft and fraud it shows that I am a policy holder for car insurance from XXXX for two vehicles which one was financed through XXXX and XXXX XXXX and this same vehicle was bought at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX,Ma it is a XXXX XXXX XXXX XXXX XXXX which I DON'T own the other vehicle is a XXXX XXXX XXXX XXXX XXXX  plate number XXXX I tried to call XXXX XXXX last week as well as XXXX and the car dealership as well as the XXXX XXXX XXXX where there cars are registered and have gotten no where and which these cars and the loans show up on my credit report as well as my information shows up on progressive as myself for the policy holder as well as student loans and mortgages show up on my credit report
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} ; XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I XXXX XXXX XXXX of XXXX Florida and XXXX XXXX XXXX, agreed to a 72 months Auto Loan Agreement on XX/XX/XXXX. However, due to a very challenging divorce that was financially destructive, I missed some payments, and made XXXX aware of my financial situation. During that time I was always in touch with XXXX, keeping them abreast, and paid whatever, and whenever I could. XXXX advised me that they would add the missed payments to the back end of the loan with out penalty. Not very long after, I eventually regained my financially strength and was able to continue making the agreed monthly amount, and sometimes a bit more. On XXXX of XXXX, I noticed that my original maturity date was in XX/XX/XXXX, so I reached out to XXXX and requested an explanation as to why my balance amount was so high, around my maturity date in XX/XX/XXXX. There were no sensible explanation given, and my maturity date and amount kept on changing. The maturity date kept on moving each month from XXXX and finally stopped in XX/XX/XXXX, when XXXX reached out to me, and tried to get me to extend the loan. Due to Covid-19 and lost of job and income, I was unable to pay the large amount of over XXXX XXXX dollars, which was the maturity date amount, and was very curious about why there was such large balance after 7 years of payments on a {$16000.00} agreement. Again I reached out to XXXX for an explanation, but was threatened, and XXXX  off the phone without any solid explanation. In XX/XX/XXXX I reached out to an accounting firm and they requested the original agreement, which I later acquired a copy from XXXX, after several failed attempts. The accounting firm conduct a review of the agreement and concluded several illegal charges, and further advised me to seek legal council to dispute the alleged over charges. While working with a XXXX XXXX, I then continued making my monthly payments until XXXX of this year XXXX when I paid off over XXXX XXXX dollars, which finally brought the balance to a XXXX balance. However, I noticed a major drop in my credit score, and later realized that XXXX reported my payments late since XXXX of XXXX through to XX/XX/XXXX, and a charge off of over XXXX XXXX Dollar balance was also reported on my credit as well. Lastly, It was also reported on my credit that the loan agreement was an 84 months agreement, when in fact was a 72 months agreement. I know that I missed some payments during my divorce periods, and therefore is not disputing those late or missed payment, but based of the ( FCRA ), XXXX violated my rights in negatively reporting false information on my credit files. Therefore, I am requesting an immediate removal, and an investigation regarding the legitimacy of the additional charges, as well of the term of the agreement. On top of all the errors made by XXXX, I have also attached a copy of correspondence received from XXXX followed by calls related to the attached letter in error.
Complaint sub-issue: Can't close your account

This involves a credit card that was issued to my father, XXXX XXXX. He XXXX XXXX in XXXX XXXX and I notified US Bank that he XXXX XXXX and closed the account ( all charges to the time of his XXXX were paid in full ). Several months later, I received a credit card in the mail in my mother 's name, XXXX XXXX. My mother XXXX XXXX in XXXX XXXX, so I called and spoke with a representative who apologized and advised me that he had taken care of the matter and closed the account ( again ). 

Today, ( XXXX/XXXX/XXXX ) When reviewing my father 's checking account ( this was a joint account, so I have access and have been paying the last few medical and other bills ) I saw a charge from " XXXX XXXX '' for {$74.00} on XXXX XXXX, XXXX that was an ACH payment. I contacted my bank, XXXX, who advised that US Bank charged the account in payment of an account issued to XXXX XXXX. XXXX is contesting the charge on my behalf and had me contact US Bank. While waiting for US Bank to stop transferring me from one unhelpful contact to another, I am utilizing my time filing this complaint. 

It is absolutely beyond the pale for a bank to issue credit cards in the name of someone who has been XXXX for more than 20 years in response to the cancellation of an account on behalf of her now-XXXX spouse. Once this was supposedly cleared up, the bank now has the audacity to charge a bank account for unauthorized charges? This is unacceptable and US Bank must be held accountable for this conduct. 

Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is an inquiry about a XXXX credit card with USbank that has shown up on my credit report on XX/XX/22. I did not apply for this card and it was applied for under the incorrect name.
Complaint sub-issue: Used obscene, profane, or other abusive language

Mon. XX/XX/XXXX @ XXXX XXXX Received phone call from guy claiming to be an investigator named XXXX XXXX stating I owe money for a payday loan. I informed him that I do not owe a payday lender and asked him to email me proof of loan or some document to show that I owe. He finally emailed a threatening document stating I owe but not mentioning to whom I owe. I informed him that I am disputing any loan he shows I owe. He stated he would call my place of employment daily until I pay the money. 
Tues XX/XX/XXXX He has been constantly calling my place of employment today with back to back calls. He uses profanity and threats to anyone that answers the phone. The number he called from is XXXX / emailed from XXXXXXXXXXXX
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX  and Equifax are reporting a child support debt office of Atty gen XX/XX/2021{$24000.00}
Complaint sub-issue: Information belongs to someone else

*Attached is my state id and Social Security card The Listed accounts were placed onto my consumer report without my written consent please help me to get this solved. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX  US DEP ED # XXXX *Please see attached documentation
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 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 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 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 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: Credit inquiries on your report that you don't recognize

I Recently view my credit report and i see a unauthorized inquiry made by XXXX on XX/XX/XXXX XXXX i want this remove immediately
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00}
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXX XXXX XXXX  XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00}
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/17, I noticed that was debit card was compromised. I immediately called Comerica and cancelled my card. The next day ( Monday ) I went to the bank to file a dispute. I was then told that if the dispute was approved I would receive my funds back within 10 businesses days. I also asked what am I to do seeing that all my money was compromised. They apologized and told me that I would have to wait. In the meantime the fees are rising. {$1400.00} was taken out of my account via ATM. XXXX ( Comerica ) starred to me, are you sure you did not give someone else your card? I also spoke with another customer there and he stated it happened to him as well. I feel Comerica knows about the breach and still does nothing. 

I 've received a call from XXXX with card services informing me that if I had applied for Comerica 's credit card I would have money available to me. She told me that she could not help and suggested that I wait on the dispute to be settled in 10 business days.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I observed that there were unauthorized charges on my account XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX {$500.00} XX/XX/XXXX XXXX # XXXX XXXX MN XXXX {$500.00} I have not been credited for those charges and there is also a interest charge that I was charged for as a result of those unauthorized charges. 
XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$810.00}
Complaint sub-issue: Trouble with how payments are being handled

I am in the Public Service Loan Forgiveness Program at the U.S. Department of Education. I have been in the Program since XXXX of XXXX. Pennsylvania Higher Education Assistance Agency manages this program for the Department. Every single year, PHEAA messes up my qualifying payment count for the PSLF. One year they even removed years of qualifying payments and reset me to zero.

My current complaint is as follows. I submitted an updated Employment Certification Form on XX/XX/XXXX. It has not applied and the time stated has been exceeded. Further, it has come to my attention that PHEAA is again not counting my payments properly. I contacted the Ombudsman 's Office at the U.S. Department of Education and am again filing ANOTHER complaint with you seeking assistance to get this resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX 9. XXXX Account Number : XXXX 10. Account Number : XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed below : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard pull from XXXX, XX/XX/XXXX all three reporting companies gave me a hard pull from XXXX, XXXX and XXXX had it removed as I have never tried to get an account with XXXX, Equifax has not removed this hard pull from my account! I need this fraudulant pull removed
Complaint sub-issue: Information belongs to someone else

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX