Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

My XXXX us bank card is used to receive my dividends from XXXX and I was r evenly alerted Due to non payment of a bill bill I continually pay monthly for a the for a traffic ticket Due to non payment of a bill I continually pay monthly for a traffic ticket That wasn't receiving payment so I called to check about my card well I don't use my funds for anything and I get money every 3 months or so biannually I do not keep log on how much I receive II just know the only payment I do get do is the one for the ticket That wasn't receiving payment so I called to check about my card well I don't use my funds for anything and I get money every 3 months or so biannually I do not keep log on how much I receive II just know the only payment I do get do is the one for the ticket Well I called to dispute charges and they closed my account saying that I violated card turn art terms and conditions by being frauded Badly said I would file a police report to Significantly show the damage that has caused I have not received the amount that has been used nor have I received I received a reinforcement for over a year of fraud has been done to my account supposedly I requested 2 cards recently which I never did My payments are anywhere between XXXX {$300.00} by annually I called to dispute and they hung up on me
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Complaint sub-issue: Debt is not yours

I received an updated credit report with a " new '' collection added. Afni, Inc added a collection on my report in the amount of {$91.00} that was re-aged. This account has been re-aged and is falsely reporting to two of the three major credit bureaus as of today. They are in violation of Section 623 ( 5 ) ( A ) of the FCRA.
Complaint sub-issue: Attempted to collect wrong amount

I have an item on my credit report - that have one amount and there is a collection company collecting three times the amount so im a bit confused -
Complaint sub-issue: Can't get other flexible options for repaying your loan

During the pandemic I have not been able to repay my Sallie Mae student loan. Rather than automatically pausing loan payments as the federal government has done, they make borrowers use the very limited forbearance the offer for the entire life of the loan. They do not offer any special help during the pandemic other than using this forbearance, which again is limited for the entire life of the loan. Additionally after 3 uses of the forbearance they will not let you use any remaining period for 6 months after, meaning in XXXX I have to start paying or they'll start coming after me. Further they charge interests which are predatory and amount to usury.
Complaint sub-issue: Problem with statement of dispute

On XX/XX/2016, I disputed the SYNCB/JC PENNEYS account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 XXXX XXXXBalance $ XXXXDate Opened : XX/XX/2020 XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX CREDITOR : XXXX XXXX  DATE ASSIGNED : XXXX, 2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Complaint sub-issue: Information is not mine

There were student loans taken out in my name without my knowledge and a police report has been filed and sent to the companies
Complaint sub-issue: Received bad information about your loan

I have one student loan remaining and it incorrectly shows that I was in forbearance for a period of 2 years. I was not in nor did I request to be in forbearance for one loan during this time period. I requested and received a complete record via a Dept of Ed FOIA request and it and it listed all payments were made to the account during that time. I've submitted complaints and requests for re-review but the review has been stalled for months. 
For reference, my other two loans that were paid at the same time and in one payment were already discharged but this one was somehow left out. The loan was transferred from XXXX to XXXX and then to Mohela, however the error occurred before this when the loans were held by XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I was looking through my XXXX XXXX and noticed they were fraud activity that I never authorized or signed for. 

The following inquiry 's were never made by me. 

XXXX XXXX XXXX XX/XX/XXXX is fraud XXXX XX/XX/XXXX is fraud XXXX XXXX  XX/XX/XXXX is fraud XXXX XXXX XX/XX/XXXX is fraud
Complaint sub-issue: Reporting company used your report improperly

I have a hard inquiry on my credit from XXXX involving auto financing this account is paid in full and closed. 

In accordance with the fair credit reporting act 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.
Complaint sub-issue: Personal information incorrect

Equifax has an address as for me in error as XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is an office build I never lease or live at this address Please provide me documented proof as to I lease here or live here at this said address as Equifax has on file. 
Attach is a photo of office building
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$3500.00}, {$3400.00}, {$1900.00}, {$6400.00}, {$7600.00}, {$2200.00}, {$3200.00}, {$3900.00}, {$4200.00}, {$9600.00}, {$4100.00}, {$0.00}, {$0.00}, {$0.00}, {$2300.00}, {$580.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

8. XXXX XXXX XXXX, XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

9. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- AUTO ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$4100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 14. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

15. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

16. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

-- COLLECTION ACCOUNT 17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account.
Complaint sub-issue: Information is not mine

I have previously disputed this account with Equifax. These bureaus continue to report an account on my credit report that is indeed not mine. See attached documentation. I submitted a dispute to the company and they sent the attached documentation that reflects the patients name. This account is not mine and therefore, it should not be reflected on my report. Delete immediately.
Complaint sub-issue: Problem during payment process

I have a XXXX  card from Upgrade and every month I pay my payment well before the due date and every month I have to call them and make them apply the payment that I made to my account. They send me e-mail after e-mail telling me that my payment is due and/or late when I have bank records showing that I paid it on time. This month, same thing again and they're telling me that it's their company policy to wait 10 days after receiving my payment to actually apply my payment. No other creditor I have accounts with waits to apply my payments. Everything else gets credited immediately upon receipt of my payment. This is frustrating and ridiculous.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken for a ride and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.
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  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: Didn't receive enough information to verify debt

They contacted me and identified the debt amounting to {$110.00} and I never received information to verify and validate the debt.
Complaint sub-issue: Account status incorrect

While going through preliminary divorce proceedings, once my name was removed from the mortgage, my credit score dropped by over 30 points. And, I am assuming, my score will take another hit once I apply for a mortgage ( hard inquiry ), and yet another one when I obtain a mortgage. How is this a fair practice for someone who pays their bills and manages their debt responsibly? If I go to buy a car right now, or even apply for a mortgage now, this decrease may disqualify me from a better percentage rate. I first observed this change today on Equifax through my credit karma account. I reached out to Equifax but was merely given ways to read about what things impact my credit score, and links to articles on how to increase your score. I am asking for a reversal of this decrease, given the fact that the change that precipitated the decrease was not from a derogatory act.
Complaint sub-issue: Debt was result of identity theft

Company AMERIFINCIAL SOLUTIO was advised that I was an identity theft victim by phone on XX/XX/2019 collections agent stated that the company would not remove derogatory medical account # XXXX collection opened XX/XX/2019 this account is fraud.
Complaint sub-issue: Trouble with how payments are being handled

AES has a " paid ahead '' program which automatically takes additional payment an applies it to future payments ( principle + interest ), instead of applying the additional payment to only principle. Unfortunately, if you pay online, they do not offer a way to indicate that you want your additional payment to go towards principle. I have called AES and they stated that there is not an option to indicate where you want additional funds to go to when you pay online. Further when you speak to them, they are misleading in trying to say that additional payments do go towards principle in the " paid ahead '' program. This is a half-truth. The paid ahead program still applies portions of extra payments to interest. Please beware if you are trying to pay down your principle, they will eat it up as mostly interest payments. ROBBERS!
Complaint sub-issue: Reporting company used your report improperly

Went to dealer to go purchase my new vehicle. I had my own financing from my credit union at 2.25 %. I still had to present a purchase order from the dealer, so my loan could be finalized and they gave me a paper to fill out which had my information. The financial lady comes up to me and tells me that their dealer can get me in at 3 %, and i obviously declined because i was already happy with my own financing. Ok we finish the paperwork and i get my vehicle and im pretty happy about the purchase. But then thats when i see on my XXXX app that the dealer had ran a hard inquiry on my credit. They absolutely did not have my consent nor did they tell me they were going to run it. Why would i even want them to run my credit when i already have a great APR, from my credit union, knowing that they are not going to be able to match it. This was extremely unprofessional of them, and i certainly do not appreciate it.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX, XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Don't agree with the fees charged

I have been in contact with AES several times over the years. No one will explain to me how I have paid back XXXX XXXX for a mere XXXX loan they keep saying I took my loans out for XXXX I have given proof over and over again I feel as if my loan payment has been deceptive I've taken out loans I've already paid {$82000.00} back and they say that I have 12 Years yet to pay see attached
Complaint sub-issue: Personal information incorrect

I have requested multiple times to update current address and this has not happened. 
XX/XX/22 & XX/XX/22 Equifax is still not updating. The other 2 bureau have the correct address on file. Equifax also has the incorrect date of birth and Incorrect prior name on file. 
This is now affecting me to get a loan. Please help
Complaint sub-issue: You told them to stop contacting you, but they keep trying

In XX/XX/XXXX I have asked this company to stop contacting me and gave them a verbal cease and desist. They broke this cease and desist on today XX/XX/XXXX.
Complaint sub-issue: Debt was paid

Debt with Nationwide Recovery was discharged earlier this year ( this is in my CFPB file ). The debt was sent to Nationwide Recovery in error by XXXX XXXX XXXX which they admitted to when they discovered that they never filed the insurance claims. I put XXXX and XXXX together on a phone call and this was resolved. The problem here is Nationwide Recovery who were instructed to back off, which they did at the time. Now they are coming at me again and impacting my credit rating. Nationwide Recovery is not operating ethically and I need these folks to clean their records and leave me alone
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I contested a charge with Citi Cards. They sent a letter requesting information and documentation dated XX/XX/20. Though the the date on this letter was XX/XX/20, I received it via USPS on XX/XX/20. I drafted a very detailed response ( 30-pages of documentation ) on XX/XX/20 and submitted it via USPS Certified Mail on XX/XX/20. The USPS Certified Mail return receipt shows they received it on XX/XX/20. 

On XX/XX/20 I received a second letter from Citi Cards informing me they did not receive a complete response. This is factually incorrect. 

My original response regarding the disputed charge included a cover letter, index, and 23 relevant attachments.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$510.00}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter to each of the credit bureaus, XXXX, Equifax, and XXXX regarding inaccurate and unknown items on my credit report. As of this date, I have not received a response yet. I believe that I am being taken advantage of and ignored regarding my disputes. In Section 611 ( a ) it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been almost 60 days, XXXX days exactly. Therefore, the items should be deleted promptly. I demand these items and/or accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Complaint sub-issue: Talked to a third-party about your debt

XX/XX/XXXX approx XXXX I received a text from my friend at my home watching my dogs while I was gone starting a man came by to serve papers to me. My friend said I wasnt home he went on to look at the papers say that I was being sued by XXXX  XXXX XXXX ... gave my personal information to a third party. Please help me with this matter as my rights have been violated.