Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I had an account with XXXX XXXX XXXX XXXX prior to moving overseas. I turned the equipment in and received a yellow slip confirming my return of the equipment. I satisfied the remaining balance and the company sold the account to AFNI, Inc. I've disputed this account with my credit bureaus and the company continues to come back saying the information is correct. I have no account with AFNI and have asked that they provide a signed agreement between their company and me if they will continue alleging this is a valid collection. 

XXXX XXXX XXXX XXXX : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account. 

XXXX XXXX : This is too old to be on my report. It was discharged in Chapter XXXX Bankruptcy 4 years ago and has inaccurate data.
Complaint sub-issue: Account terms and changes

I contacted your about Equifa/ removing XXXX points from my credit report also I recently contacted Equifax also and they said that it could have been a number of things which caused the decrease. I today looked at my Equifax report and saw that they have removed all of my credit cards from my Equifax file. My XXXX, XXXX XXXX XXXX credit cards, and my XXXX card is no longer reporting on my Equifax file. I spoke with these creditors and they said they are still reporting and this mistake belongs to Equifax. This is true because my other credit files are reporting these accounts. This is wrong and they should n't be allowed to wrong the consumer at their discretion.
Complaint sub-issue: Unable to open an account

Hi, On XX/XX/XXXX at XXXX XXXX XXXX I tried to open a discover bank application online and was prompted to call XXXX to " Let 's finish together ''. 
I was on the phone with XXXX in Utah for 55 minutes. He said that I had an outdated bank profile from XXXX for Discover Bank and he had to correct all of the information in it. 
I submitted 3 applications online for a discover bank account and none of them were accepted. The latest application # is XXXX. 
Eventually, he transferred me to XXXX who was very rude and dismissive. I would like for XXXX to review my call with her. She told me that she could not accept the verification code from me that she sent and dismissed me to get my application notarized. When I insisted on using a second phone number she agreed. She should have offered me that option before trying to dismiss me. 
She continued to be rude, inept, and condescending throughout the call and I had to request her supervisor XXXX. XXXX promised to forward my complaint and have someone call me today. No one called. I don't know if XXXX refused to assist me because of my ethnic accent or if that is just how she treats customers, but this is unacceptable. 
I have been unable to open a bank account with your company because of this and she wasted a lot of my time. The call time was 1.5 hours when it ended. 
I want to make a formal complaint and I still need help with setting up a bank account. 


Thank you
Complaint sub-issue: Debt is not yours

Jefferson Capital is constantly calling me and sending me Letters about this Debt.

Jefferson Capital Systems llc. 
JCS Reference # XXXX Debt Description : XXXX XXXX Amount of Debt:XXXX I have over the Phone as well as in Writing Told Jefferson Capital that this is not my Debt. I have repeatedly told them they need to Verify this Debt. They need to send me Documentation I personally Signed with Copies of my ID where I opened this account.

I have told them this is the law under the Fair Credit Reporting Act. However they never respond other than to keep calling and keep sending me Letters.

So I told them please do not contact me about the Matter anymore as I am not going to pay it. As they are able to show any Proof that this account is mine.. Still no Response on the matter just more Phone calls and more letters.

I think they think they can Bully People into Paying these False claims they have. Also this is making it really hard being on my Credit report. It is causing me undue XXXX  by keeping my Credit Score Lower than it should be.

So What I am asking is that since they have Failed after Numerous attempts requested to show me the Proof of the account. As well they have Failed to Stop Contacting me as I requested. Which is also FCRA Rules.

They need to Remove this Close and Remove this account from my Credit Report Immediately.
Complaint sub-issue: Problem getting your free annual credit report

Every year, I consistently have issues receiving a free copy of my Equifax report online. Furthermore, I have issues submitting disputes online ... this problem is ongoing and consistent and I have noted that it is not exclusive to me. Everyone I know has the same problems ... their website is always down. I would like to see CFPB crack down on this lingering issue. It should not be difficult for a consumer to access their own report, and it should be completely FREE and available online.
Complaint sub-issue: Information belongs to someone else

I have noticed that XXXX XXXX XXXX have placed an inquiry on my Equifax XXXX XXXX credit file dated XX/XX/2019. I spoke to XXXX XXXX XXXX the reps in XXXX CA office and was told that there would be no inquiry to my personal credit. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Complaint sub-issue: Public record

I have not owe a home sent XX/XX/XXXX. XXXX County Kansas District Court, Case # XXXX, alleged that I owe {$4800.00} for KANSAS DEPT OF REVENUE. For a tax periods XX/XX/XXXX-XX/XX/XXXX. This was file on XX/XX/XXXX.The Status is TERMINATED .The Kansas Dept of Revenue file this case ( XXXX ) on XXXX/XXXX/XXXX on TAX they say were owe for XX/XX/XXXX. This case was file five years after the tax was due. THIS CASE WAS RE-AGES.I have upload a copy of the case documents ( XXXX ) from XXXX. 
PUBLIC RECORD. EQUIFAX CREDIT REPORT DOES NOT SHOW THE TAX PERIODS XXXX. THE DATE OF 1 ST MAJOR DELINQUENCY IS SHOW XX/XX/XXXX.THIS IS INCOMPLETE AND INACCURATE INFORMATION AND RE-AGES PUBLIC RECORD. 
I DID NOT OWE A HOUSE IN XX/XX/XXXX TO HAVE A TAX WARRANT FOR XX/XX/XXXX. MY CREDIT REPORT SHOW THAT I LIVE IN XXXX XXXX YEAR. AND I DID NOT LIVE IN XXXX COUNTRY. I LIVE IN XXXX COUNTRY IN XX/XX/XXXX. CREDIT SHOW THAT.THIS CASE HAS BEEN ON MY CREDIT REPORT FOR 16 YEARS.
Complaint sub-issue: Frequent or repeated calls

On a given day I could get 10+ calls from Allied Interstate. I pick up, they hang up on me, or when I do get someone they do n't speak English and demand I pay my debt. 
I have asked them not to call repeatedly through out the day, and they continue to call.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and US BKPT CT XXXX XXXX XXXX Date Filed : XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem getting your free annual credit report

After the Equifax data breach I attempted to obtain my free credit report ( via internet ) from the three credit reporting companies. On XXXX XXXX, XXXX I was able to get my credit report electronically from XXXX, but was unable to do so from XXXX and Equifax. On that date, I mailed the Annual Credit Report Request Form ( including required IDs ) to Equifax and XXXX. 

On XXXX XXXX I received my credit report from XXXX, but to date ( XXXX XXXX ), I have yet to receive any correspondence from Equifax. I have tried calling several times, but my call has been disconnected. There were errors on both my XXXX and XXXX  reports and I 'm concerned that there are errors on my Equifax report, but I have no way of finding out. 

Please advise on the best way to obtain my credit report from Equifax.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, At about XXXXXXXX XXXX on XX/XX/22 we purchased XXXX tickets online for an event from XXXX XXXX and the charge was made on our Discover Credit Card in the amount of {$160.00} ( {$75.00} per ticket plus service fees ) They sent Tickets for Friday the XXXX of XXXX, we ordered tickets for Saturday the XXXX. 
We notified them as soon as we saw the error at about XXXX XXXX on the XXXX and only received a computer generated message indicating the matter would be investigated. 
Before we purchased the tickets for the event we made hotel reservations and the reservation for the hotel was only able to be cancelled before XX/XX/22 at XXXX without a charge. 
We emailed the vendor again regarding the error early on the morning of the XXXX, text messaged them also and left XXXX voice mail messages stating that we needed to know by late afternoon of the XXXX that we would be receiving corrected tickets before we would be charged for the hotel reservation if we had to cancel. No response other than the notification regarding the investigation was ever received. 
We cancelled the hotel because we were in limbo when the deadline approached. 
XXXX sent corrected tickets on the XXXX XXXX hours after our free hotel cancellation deadline had expired and never communicated with us regarding whether or not the tickets dates would be corrected. 
When we tried to make a new hotel reservation after receiving the tickets for the correct date, there were no hotel rooms available. We asked that the purchase be cancelled and our credit card issued a credit. It has been declined and our dispute denied by Discover because they state the correction was made, although by that time we were unable to get a new hotel reservation. 
The XXXX charge was made immediately and yet it took XXXX hours to make a correction. If they had only communicated to let us know that we would get corrected tickets in time, this issue could have been avoided. But XXXX did not. 
We cancelled our Discover account but would like to be credited for the {$160.00} by the vendor XXXX XXXX. We have no outstanding balance other than the disputed amount. 
We also have {$14.00} XXXX Back owed to us by Discover. 
Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Account status

I filed a chapter XXXX Bankruptcy in 2008 I had a mortgage with XXXX XXXX XXXX that was included in the bankruptcy and not reaffirmed. It is currently reporting to the credit reporting agencies. This account needs to be removed due to it has been over XXXX years since the bankruptcy.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX Date opened : XX/XX/XXXX Account : XXXX Status : XX/XX/XXXX paid. 
Im hurting to have these hard inquiries on my credit report Im not able purchase property because of this Ive been trying to hard to do right with my credit to be traumatized to see this I would like this hard inquiry removed I see no use of it on my credit report
Complaint sub-issue: No notice of investigation status/result

An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it  May Co ncern :   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX .  XX/XX/XXXX   XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  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  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX are reporting fraudulent accounts and inquiries on my credit report.Here are the list of accounts and inquiries : Account : XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 Inquiries 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 JXXXX 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
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I submitted disputes for unknown inquiries on my report. They responded within 24 hours that the " Inquiries are a factual record of file access and will remain on the equifax credit file two years from the reported date of the inquiry. '' I would like to understand how they would be able to investigate and come to this conclusion in less than 24 hours. 15 U.S. Code 1681i ( A ) states : " Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). '' I would not call this a reasonable and fair investigation. Failure to do this means that Equifax has broken the law.
Complaint sub-issue: Attempted to collect wrong amount

XXXX Support XXXX XXXX ( 2 hours ago ) to me This is an important message for XXXX. If you are not this person, please disregard and delete it. 

Hello XXXX, Thank you for reaching out. 
You currently have XXXX. 

XXXXaccount has an outstanding balance of {$1300.00} with XXXX XXXX XXXX that defaulted on XX/XX/2017. 

This account was originally from an online tribal lender and a separate complaint was made against XXXX  dba Blue Chip Financial back in XX/XX/2017. Apparently, XXXX dba Blue Chip Financial sold the account to XXXX XXXX XXXX who never contacted me, and now the account was sold to XXXX XXXX. 

I do not owe {$1300.00} and I originally discussed this with the original company who refused to acknowledge that they illegally engaged in payday loan practices with me living in California and they are a tribal lender.
Complaint sub-issue: Didn't receive enough information to verify debt

AFNI, INC. did not provide the proper documentation as requested and continued to leave their collection activity on my credit report.

During this validation period, Afni, Inc., actions was and still is detrimental to my credit reports. The information own my credit report was never validated or verified as being my account there is no provided proof that it is.

Afni, Inc., never validated my request within 30 days from the date they received my letter, all references to this account was never deleted and completely removed from my credit file and a copy of such deletion request was never sent to me. 

I am attaching the signed return card from the post office showing they received my request and had their full 30 days to validate this debt and they did not.
Complaint sub-issue: Their investigation did not fix an error on your report

MY NAME IS XXXX XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Complaint sub-issue: Their investigation did not fix an error on your report

FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$3800.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$3300.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$7500.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$2200.00} I'm just concerned with the certainty and precision from your current inspection together with the missed payments meant for this particular account and also how it is reporting on my credit report. Around 45 days ago I demanded an investigation on the grounds that I noticed the item is just not being recorded recently. To my shock, I have gotten a notice mentioning that your examination was achieved and that the item had been " tested as reliable. Within Section 1681 ( g ) please make sure to generate me along with a brief description of the process utilized to validate the account is " reliable '' and give me the name and addresses of persons asked in every rule found in the FCRA.
Complaint sub-issue: Received bad information about my loan

Back in XXXX I went into the student financial aid office at XXXX XXXX in XXXX Missouri. I was in the XXXX. College and handed over approximately {$3600.00} in cash to the receptionist and was issued a receipt. After several moves over a XXXX period I lost the receipt. 
As of XX/XX/XXXX I received a collection notice from be able to ask the U.S. Department of Education for student loan forgiveness. My doctor completed paperwork and I mailed it all in. See the attached forgiveness letter. 
My account number with Nelnet is XXXX and my SSN # is XXXX. 
I am XXXX years old now and just survived XXXX. I am living in XXXX housing and am on XXXX income. 
I fear that these folks from Nelnet will not stop in their efforts to collect on this spurious balance and if they succeed, will take away needed monies for me in paying for rent and food. It will place me into homelessness and sure death. 
I ask that your agency investigate and stop this action against me and issue me a written letter of the resolution for me of this personal crisis.
Complaint sub-issue: Information belongs to someone else

I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions. I was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself.
Complaint sub-issue: Deposits and withdrawals

PNC doesn't allow 3rd party linking of bank accounts. Specifically the company XXXX.
Complaint sub-issue: Trouble with how payments are being handled

I have an account with a service provider called Nelnet. My loan # is XXXX. 

I had applied for, but apparently was not granted a deferral for my student loan. I had been continually paying for years on this loan. Being a XXXX, and believing that negative interest accrual was not allowed, essentially applying 100 % of payments to interest only, I contacted Nelnet because when I was told that my loan was past due, i immediately paid the entire payment. I was shocked to see that my entire payment of {$800.00} was applied not anything to principal, but 100 % to allegedly accrued interest. 

I contacted the company, saying I am looking at my payment history, and my interest monthly was {$36.00}, how are you applying nothing to the principal. They told me this is correct, that all your payments go to interest before we ever apply a payment to principal. i said that's not what your web site shows. I don't believe that was the terms of the loan, and i believe you're applying the payment incorrectly. i was told, No, it's right. 

I don't believe this is correct, and I'd like my entire loan that i've been paying for close to 20 years is incorrect.. 



Payment Date Payment Amount Applied to Principal Applied to Interest Applied to Fees* Payment Type arrow right XX/XX/XXXX {$800.00} {$0.00} {$800.00} {$0.00} Electronic arrow right XX/XX/XXXX {$300.00} {$260.00} {$36.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$39.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$39.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$38.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$40.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$40.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$41.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$42.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$41.00} {$0.00} Auto Debit
Complaint sub-issue: Old information reappears or never goes away

Old child support that showing up on credit report. 

XXXX XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX XX/XX/XXXX ( 15 yrs, 2 mos )
Complaint sub-issue: Problem during payment process

XXXX  has been non-compliant with removing the unverified account XXXX XXXX, A which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX, A was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.