Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

Hello, I have automatic payments set up on my Discover card for the minimum monthly payment. I know when I set up the payments, I was advised that if I make the payment prior to the payment coming out automatically then it would not go through. I like to make my payments in advance if I can so that it's withdrawn sooner. However, I was not sure of how far in advance the payment needed to be made so that a duplicate payment is not withdrawn, so I contacted them by phone to confirm. Long story short, after speaking to two representatives to confirm it would not be withdrawn, both payments were withdrawn from my account and caused my account to go into the negative. I called for a resolution and the only resolution I was provided with was we can refund the payment once it's posted. I asked if my credit card account could be credited with any fees I receive from my financial institution and my question was not addressed. I asked if the payment can be pushed to the following due date and the question was not addressed. I asked if they could provide me the funds to cover my fees and I was told the only thing they can offer is to refund the payment. This was a BIG error on their part, and I do not feel they attempted to assist me with all possible options. They were able to offer and credit my account {$40.00} to set up the auto pay but they could not push out my payment and offer a credit in the amount of my fees from my financial institution. Below are the dates and summary of the events : XX/XX/21 approx. XXXX : Spoke with a representative to confirm my payment would not be withdrawn twice. The representative stated that if I made a payment that day I would be in the clear and an additional payment would not be withdrawn. As a matter of fact, she offered to take the payment, so I made the payment by phone with her. 

XX/XX/21 : I checked to see if the payment was withdrawn. It was not so I checked the Discover account online. I saw the payment pending along with my automatic payment, so I contacted Discover again via chat. 

XX/XX/21 @ XXXX : Spoke with representative via chat and he also confirmed my payment would only go through once. 

XX/XX/21 @ XXXX : I reached out again to advise the payment is being withdrawn twice and I need to stop it while it was pending on my account. She advised me that it could not be stopped, and she could only issue a refund once it's posted which could take up to 7 days. 

This last chat went on for about an hour but to sum it up, even though it was an error on their part, they were only able to provide me with the option of a refund after, the damage was done, and the payment was withdrawn twice. Even after I provided and asked for other options, not to mention calling beforehand to prevent this.
Complaint sub-issue: Account status incorrect

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1XXXX XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Complaint sub-issue: Information belongs to someone else

I am preparing to purchase a home, I have been monitoring my credit report thru XXXX XXXX and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit on Equifax. They have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Complaint sub-issue: Debt was result of identity theft

CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft report # XXXX
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : Good afternoon. I was issued a BUSINESS line of Credit from US Bank in XX/XX/2015. I was explicitly told that this would be registered under my business. Not my personal credit bureau. It wasn't until some years later that it was FRAUDULENTLY added to my PERSONAL CREDIT. 

It is making it very difficult for me to get a job, buy a car, or even get an apartment. Please help
Complaint sub-issue: Information belongs to someone else

I was checking my credit report, you post incorrect information. The accounts never belong to me and Every bureau has different information which is also wrong. Im sure that someone hacked my personal information.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019 my wife and I were not working so we asked BB & T for a loan modification which they agreed. We were paid up to date in XX/XX/2019. We paid 3 years without being late once. We paid the reduced amount in early XXXX for XXXX payment. We paid the reduced amount in early XXXX for XXXX payment. We paid full amount in early XXXX, and full amount in early XXXX. 

We were never told that BB & T would report our mortgage as late as we were paying the agreed upon amount. We ended up with a 30 day late in XXXX, a 30 day late in XXXX, 60 day late in XXXX, and 90 day in XXXX which does not make sense. The full amount we were supposed to pay was approximately {$1500.00}. The agreed upon reduced rate was approximately {$1200.00}. We paid {$1200.00} for XXXX and XXXX. So even if BB & T was correct in reporting us late, it should not have been all those times. {$1200.00} for XXXX and then {$1200.00} in XXXX is more than enough to make a full payment for XXXX, then another {$1200.00} in XXXX should make XXXX paid in full as well. XXXX and XXXX were full amounts so they should have been considered on time. 

BB & T is saying we paid XX/XX/2019 90 days late when they had the money in full for XXXX, but didn't not credit our account.
Complaint sub-issue: Debt was paid

I had sold and item thru XXXX  several years ago. The person then decided he didn't want it, and wanted a refund. The sale was final As-Is, but i decided to refund the charge. I refunded his money thru XXXX, then AFTER that he filed a dispute with his credit card, which then reversed the entire XXXX. So now i'm out that money and the money i refunded him. XXXX refused to give me any information on his credit card that i could contact and file with them, then wanted me to pay them the XXXX. 
This was a scam from the beginning and XXXX was in on it. Now they have sold to an outside firm, trying to collect from me. I have no additional paper work, as it was on the XXXX  site, and they have blocked my access to it.
Complaint sub-issue: Information belongs to someone else

there are items on my credit report due to fraud
Complaint sub-issue: Talked to a third-party about your debt

Discover contacted 2 of my relatives about a debt that was already closed and were looking for me but instead reached out to them.
Complaint sub-issue: Account status incorrect

My ex wife and I were victims of predatory lending in XX/XX/XXXX with XXXX Bank. Divorced in XX/XX/XXXX. She deeded the home to me in XX/XX/XXXX. Unable to pay on my own I was almost in foreclosure XXXX. The home was upside down in value. I finally modified ( XXXX ) the home in my own name in XX/XX/XXXX. New servicer (  XXXX ) came in at the end of XXXX putting my ex wife back on the note. I finally had to stop paying since the new servicer refused to take my ex of the note. When the old servicer agree to take her name off. XX/XX/XXXX I had no choice to take the servicer & trust ( XXXX ) to XXXX XXXX  court. Upon further research after filing summons & complaints, I've come to find out that the mortgage has been paid in full by XXXX PMI insurance. This means that the servicer is now trying to double collect. I have a quite title on my property. Of course I am running out of funds fighting against the big banks. XXXX has already been awarded by XXXX XXXX Court against XXXXXXXX XXXX XXXX  XXXX XXXX the end of XXXX for over a XXXX dollars. In turn my ex wife has taken me to court for contempt over the same issue. My lawyers bill are surmounting! I have tried to refinance but the derogatory remark is still on XXXX of my credit reports.
Complaint sub-issue: High-pressure sales tactics

After finding a vehicle I liked at a local dealer, I was excited, I went and put {$9800.00} down as well as traded in my car. A short time after, I got a call that the dealer was taking the car back due to financing not being approved. In the meantime, they had sold my trade-in and refused to give me any of the {$9800.00} back that I had put down, citing a $ XXXX XXXX fee in addition to any wear or tear. They charged me this even though it was specifically outlined in CO code that this is not an acceptable practice.
Complaint sub-issue: Information belongs to someone else

This is my fourth 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 Balance : {$1500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} ; XXXX XXXX Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Information is missing that should be on the report

I have a " Collection '' on my account with no company name specifying where the debt came from. It is just described as " collection ''. It has multiple wrong dates and it even says that the " customer disputes account information '' but there is a lot of information missing. I can not verify the debt.
Complaint sub-issue: No notice of investigation status/result

I would Like to open a complaint on behave of Equifax credit reporting agencies I asked them to send me a copy of the Orginal SIGNED contract for XXXX XXXX XXXX XXXX and a XXXX late Payments and ALL CREDIT Inquires that is more than 30 days old with my signature on file and they failed to do so. They sent out a letter to me starting that they do not keep that Information on File. I WAS VERY SHOCKED THAT THEY STATED THAT THEY DO NOT KEEP THIS INFORMATION ON FILE 1 THIS IS A FEDERAL LAW THAT THEY HAVE TO KEEP THE CONSUMER DOCUMENTATION ( credit application in there Physical possession at all time and I have the right to ask for this Information and they are and should provide this Info when asked about THIS IS PART OF THE FCRA 609 ( A ) ( 1 ) ( A ) AND THE SEcTION 611 ( A ) ( 1 ) ( A ) it is against federal law for them to report information on a consumer Like Myself without that. CAN NOT REPORT THIS INFO AND IT MUST BE PROMPTLY DELETED I 'M Fully aware that each creditor MUST send this Info to each of the reporting agencies In order for them to report information about the consumer As you can see from the attached Letter Equifax already admited that they DO NOT HAVE THIS INFO SO IT MUST BE DELETED THIS IS A FEDERAL LAW AND EACH OF THE REPORTING AGENCIES MUST OBEYED BY THIS LAW XXXX XXXX XXXX LATE PAYMENT PLEASE HAVE THIS ITEM REMOVED ASAP XXXX XXXX 30 DAYS LATE PLEASE DELETE THE LATES INQUIRES PLEASE REMOVED ANY INQUIRES THAT IS 30 DAYS OR MORE OLD. 

THANK YOU SO MUCH! 
XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have been trying to get a car finance throw my Credit Union, I was given an phone number to call, for Equifax which I continue to have issues with. They REFUSE TO CORRECT MY CREDIT FILE. I use my original birth name, and I have to get the sex corrected on my original birth certificate.

I called the phone number to Equifax, and ask them to remove my Security/Credit Freeze, so that I could try and get a car financed.

However, Equifax continues to update my Credit File, and once my Credit Union ran my credit report, I wanted my Security Freeze and or Credit Freeze back on my Credit File.

I need the correct pin number to access my credit file, and I need an new number for my Credit Freeze and my file was updated.

I was told the Credit Union faxed over information about me : Social Security Card Drivers License Utility Bill Equifax on the phone while still at the Credit Union to me that he was faxing over my information, and that it would only take a few minutes, However, when I called Equifax back, the Customer Service Claims that No One talked to me, and now my information, after the Credit Union Faxed over my Documents. 

I have not been able to reach anyone at Equifax, this happen on XX/XX/2018. 
The Credit Union Branch Manager XXXX XXXX, was very patient with trying to help me. 

I tried calling the Federal Bureau of Investigation, but the Bureau hung up the phone. 
Someone is accessing my information, and trying to steal my " Inheritance ''
Complaint sub-issue: Information belongs to someone else

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SD XXXX ; XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX AP XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to XXXX XXXX XXXX torelease myinformation toathirdparty.

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.
Complaint sub-issue: Problem with fraud alerts

XXXX XXXX had informed me that Equifax has a fraud alert on my credit report. I did not place it on my report and they have refused to remove it.
Complaint sub-issue: Account information incorrect

Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use XXXX worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it XXXX point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XXXX ) I called all my credit card companies and asked what they reported and they told me. I than called XXXX and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet experion placed a XXXX debt of my report. So I again followed the same process the next month XXXX XXXX XXXX and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XXXX the day XXXX XXXX reported to XXXX I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute XXXX and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs XXXX from the agent and I was placed on hold and told " fts '' or the federal government. I believe XXXX is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!
Complaint sub-issue: Reinserted previously deleted info

XXXX re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with Equifax ..., XXXX and XXXX deleted it ... equifax has not
Complaint sub-issue: Public record information inaccurate

Equifax is reporting my credit score is XXXX and the reason the source bankruptcy navigation something XXXX which doesn't make sense because I haven't had a bankruptcy for over XXXX years ago so that shouldn't even be on there due to the fact that 7 years after the bankruptcy is supposed to be wiped off my credit report so I would like credit human XXXX  direct to please fix my Equifax credit score to the proper score after taking and removing the bankruptcy that I don't have or haven't had.
Complaint sub-issue: Seized or attempted to seize your property

XXXX XXXX, US Bank stole {$20000.00} of inventory from my business. XXXX XXXX, US Bank overcharged my business {$15000.00} in closing fees.
Complaint sub-issue: Debt was paid

Collection company has never contacted me, but has recorded a collection account on my credit report as of XX/XX/2020. My wife indicates she paid this bill and I would like the account removed from all credit reporting agencies that they do business with.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX IS NOT HELPING ME AT ALL EQUIFAX INDICATES THEY CANT DO A PERSONAL DISPUTES CONFIRMATION # XXXX RESEARCH NUMBER
Complaint sub-issue: Personal information incorrect

Equifax is reporting and address XXXX XXXX XXXX XXXX XXXX Massachusetts XXXX that I XXXX XXXX XXXX XXXX has never live at.
Complaint sub-issue: Account information incorrect

this is my 3rd letter to the CRA 'S XXXX XX/XX/XXXX, EQUIFAX, AND XX/XX/XXXX about inaccurate and incomplete accounts they are reporting on my credit report that is old or unverified. I submitted the letters on the XXXX of XXXX and has not gotten any response in this matter.this is stressful to the max by not being able to get any help in this matter.i have copies of my complaints below.
Complaint sub-issue: Account status

I had an auto accident XXXX, XXXX, and XXXX XXXX over the next 2 and a half years. After my doctors told me that I would never be able to work in my vocation again I canceled all my accounts XXXX XXXX. I filed with each of my loans and credit cards the payment insurance/assurance purchased through the respective creditor. All of these account are beyond the 7 years provided by FCRA. I was diagnosed with XXXX in XXXX XXXX. I have n't worked since XXXX and unfortunately living in Louisiana during XXXX XXXX XXXX. Than XXXX the XXXX XXXX XXXX XXXX XXXX XXXX. Each of these catastrophic event devastated our economy, add to that each of my medical issues. This credit report needs to be straighten out.
Complaint sub-issue: Problem getting your free annual credit report

Dear Sirs, I am an US citizen studying XXXX XXXX at the XXXX XXXXXXXX present. I am low-income, XXXX, with XXXX foster kids, and a XXXX business ( Screenwriter ). Yesterday there was a remote meeting with the the XXXX XXXX in XXXX. He advisesall US citizens to leave XXXX.I have problems checking my credit report and score from XXXX, XXXX  ( even throughXXXX ), as the credit cards issued by the XXXX  banks will not work in the US and I need a credit card. I have mailed in all the copies of my documents as per their instruction on the site, but they did not answer. All my accounts should be closed and in good standing. I have the latest report for XXXXMy FICO XXXX scoreshould be around XXXX / XXXX of XXXX ; PLUS of XXXX XXXX / XXXX of XXXX. When I return to the US I have to be sure that all my accounts are in good standing and my score is high.I also have all the personal information on people who know my SSN.What should I do in this situation? I would highly appreciate you kind help with this matter and prompt reply. Sincerely,
Complaint sub-issue: Debt is not yours

My office was contacted by XXXX XXXX of Rab Inc. ( XXXX ) in regards to a debt that was not associated in any way with me or my company. Mr XXXX continued to harass my office with threats of liens on my property until somehow finding my personal cell number at which time Mr XXXX began to harass me through text and demand I pay a debt of one of what he claimed was my tenant in one of my buildings. 

Mr XXXX continued to threaten to lien my properties if I did not pay the debt of which I had no knowledge, association or involvement.

My attorney contacted Mr XXXX and told him to stop contacting me. I also emailed mr XXXX a cease and desist letter to cut off contact to which Mr XXXX replied " I am not a consumer debt collector sir! 
I hold no obligation to the FDCPA '' Although XXXX  shows Mr XXXX as a debt collector he refused to abide by the FDCPA and denied it in writing. In addition Mr XXXX continued to threaten my property with fraudulant liens and would not stop contact. 

XXXX and mr XXXX are acting as third party collectors for a debt. The debt is in no way associated with myself or my company. The original debtor has agreed that they do not know why RAB is attempting to fraudulently extort me by using liens on my properties as threats.