Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees charged

There are actually a few issues here, one the illegal practices this company uses to collect a payment i.e spamming me outside of legal hours and more than the legal amount and using threats as well as aggressive behavior to try to collect a debt which is illegal in the state of Texas. 

The company has also added a mass of fees onto my account which isn't correct, the original loan agreement was around XXXX including tags title and interest that was on everything I originally signed for the car. The debtor now states the whole amount was XXXX which isn't right at all. 

Debtor has hung up on me, doesn't answer customer support calls or have voice mail service or respond or have valid email contact adding to late fee 's and issues. Extra fee 's were never voiced to me nor did I agree to any additional fee 's outside of the base of what I owe. 

online login doesn't work, advised this to debtor several times however they never fixed the issue, there is also no option to split payments through the site if you are 1 day late or 2 it would make it 2 car payments rather than just being able to pay one off and paying the 2nd off when you are able to.

Debtor has made comments about my medical condition and fianc 's that was not at all legal or appropriate. If you review all of the review pages for debtor you will find many complaints about debtor adding fee 's to other people as well as customer reports against them through the XXXX   and other sources. 


As this company is exhibiting illegal collection practices and illegal billing practices this needs to be looked into further.
Complaint sub-issue: Information belongs to someone else

I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain inaccurate information and Unauthorized Inquiries in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX BANK XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 2022
Complaint sub-issue: Reporting company used your report improperly

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within XXXX days.
Complaint sub-issue: Account status incorrect

Three payments of {$840.00} were received by Sears in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; Sears agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account resolution.
Complaint sub-issue: Problem with personal statement of dispute

sometime in early XXXX, I cancelled my XXXX XXXX car insurance policy and had an outstanding balance of {$85.00} that I didn't know about. When I took care of the bill ( when I finally found out about it ) it had gone to collections despite there being no efforts to contact me directly. The bill reflects paid in XX/XX/XXXX and was reported to the credit bureau in XX/XX/XXXX. 

Fast forward to this past month XX/XX/XXXX, and I am in the process of opening a business and applying for an XXXX loan. despite my credit score on XXXX, XXXX, and XXXX being in the mid-high XXXX, the company the bank used to pull credit reports pulled my credit as over XXXX points lower, the lowest being a XXXX and thus denied me the loan based upon this {$85.00} bill that's been paid for almost 2 years that I had no idea even was an issue. I've had my credit pulled numerous times and never had this issue, so for some reason this company that the bank used, Credco, was able to interpret the same credit information as XXXX points lower than all the other credit reporting agencies. despite the bill being paid almost 2 years ago, and having a very healthy credit and work history, the XXXX denied me a loan based on this one credit pull based on this report from Credco.
Complaint sub-issue: Account status incorrect

I have a student loans from XXXX unfortunately i have a permanent XXXX and therefore my student loans was discharged by bank, i have received from Discovery Bank a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX XXXX  and XXXX ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.
Complaint sub-issue: Company closed your account

I called Citi Bank 1-2 months ago and asked them to close my account and reverse a negative balance that accrued due to the account balance being left at {$0.00}. They said they would reverse the charge and close my account as per my request. They never did, which I noticed when I got an email saying I had a new Citi Bank statement. This new statement showed that my account, which was supposed to be closed, again had a new negative balance, so I called Citi, who once again told me they would reverse the balance back to {$0.00} and close my account. This second call was 2-3 weeks ago. Then, for a third time, I got an email saying I had a new Citi statement. I checked it, and lo and behold, my account had again not been closed. My account said I owed a balance but at the same time it looked like maybe they had reversed it ... it didnt appear to make much sense. Shortly after this, I got an email from Citi saying my account had been closed due to a negative balance accruing and never being paid ... This was all a huge XXXX up on part of Citi and they have all the calls I have with them recorded ( they told me this on the most recent call ). Citi says I owe them {$80.00} and to remedy this, they said they would send me a check for {$80.00} that I can take to a Citi Bank location to pay it off. This is not an appropriate remedy as they are the ones who made the error ( several times in a row ), and for me to follow through with this would be to say I was in the wrong and therefor affect my checking account reporting in the future. Its not just the principle here but my financial history/reporting that will be affected.
Complaint sub-issue: Problem getting your free annual credit report

Not credit reports exist with XXXX  & Equifax. I have 2 secured credit cards, an XXXX store card and a credit building loan. At this time I do have XXXX reporting.
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes, LexisNexis has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days.
Complaint sub-issue: Debt is not yours

I believe that this company is in violation of federal consumer laws by assigning a unverified debt that I have no knowledge of I have due to the inaccuracies it has lowered my credit score and Is deformation of character
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1997 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FMS SERVICES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious  FMS SERVICES XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in  the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1997 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX  and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX VIOLATED THE AUTO MATIC STAY XXXX XXXX. ALSO, XXXX IS FAILING TO VACATE DEFAULT JUDGEMEMNTS ON FILE, THIS DEFAULT WAS ILLEGALLY GOTTEN BY ATTORNEY CHANGING ADDRESS IN THE MIDDLE OF LAWSUIT AND WAS NOT FURNIAHED FINAL COURT DATE. ALSO, REPORTING JUDGEMEMNTS ON XXXX, THAT IS SUPRESSED BECAUSE OF YOU.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Scam # : ( XXXX ) XXXX Received : Monday, XX/XX/2022 @ XXXX Message : " COMERICA : A DEBT OF {$310.00} was placed on your card. To APRROVE reply 'Y ' or Cancel Here : https : XXXX/Comerica to RESOLVE. '' *I do not have any affiliations with " COMERICA '' let alone a " card '' or " debt '' concern with said Comerica*
Complaint sub-issue: Account information incorrect

On XX/XX/2020 I applied for a VA mortgage loan with Ameris Bank, Loan specialists XXXX XXXX at the XXXX GA office, as required by both the State & Feds, my credit scores should be sent, scores only, this criminal refused to release them! Also I asked for the name of the their Tri-merge Reporting Agency, this XXXX knowingly refused to give me this Reporting Agencys name, in-be knowing to XXXX, Ive got XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  and other Engines, ALL Alerted me via email & XXXX text, XXXX XXXX isnt going to work. Need the name of Tri-merge company that ran my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number 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: Information is not mine

My wallet was stolen XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.
Complaint sub-issue: Account terms

I have been making car payments through XXXX. Its not posting anything and its been a year.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS, U.S. BANKRUPTCY CHAPTER XXXX AND A FEW ENTRIES THAT WAS IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT BUT TO MY SURPRISE NONE OF WHICH BELONGS TO ME OR WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION OF THESE ACCOUNTS TAKE PLACE SO THAT THEY CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. THE ACCOUNTS DOES NOT BELONG TO ME AND SHOULD NOT BE REPORTING ON MY CREDIT FILE.
Complaint sub-issue: Information belongs to someone else

I have a small business revolving charge/Credit Card account that was opened by my XXXX. Unfortunately, it is attached to my Social Security number, and is showing on my XXXX, XXXX XXXX, and Equifax reports. I have asked the issuing bank to assist, they tell me that I must reach out to the credit reporting bureaus. I filed complaints with both banks and was denied by XXXX  and Equifax. The business account is still on my personal credit report and is dragging down my personal credit score. XXXX XXXX removed the account without issue.
Complaint sub-issue: Information belongs to someone else

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

According to Equifax, XXXX XXXX customers had information such as name, social security number, birthdates, addresses, driver 's licenses, and credit card numbers stolen from theor database. Also according to Equifax, I am risk for having had my information taken. Equifax 's gross negligence in handling this sensitive information is appalling. Furthermore, recent reports have surfaced citing a mass selling of stock by Equifax employees prior to public acknowledgement of hacking.
Complaint sub-issue: Information belongs to someone else

ive tried to deal with the credit bureaus on these matters in several occasions there is fraudulent info on my report and im going to sue due to no other recourse
Complaint sub-issue: Didn't receive enough information to verify debt

I've been sending letters to Equifax credit reporting, since XX/XX/XXXX through XX/XX/XXXX, demanding actual validation of the debt on my credit file. Item in dispute ; XXXX, XXXX Receivables in the amount of {$4600.00} dollars, not my debt. I have not received any reply from Equifax nor verification documentation, per my request. Please help to remove this from my credit file, thank you.
Complaint sub-issue: Keep getting calls about my loan

Hi, My Federal student loans were transferred from XXXX to Fedloan Servicing in XXXX 2016 due to my application for the Public Service Loan Forgiveness program. 
To start off, my income-based repayment plan was never transferred over to Fedloan Servicing. I was told to apply for the repayment plan again. 
This morning ( XXXX/XXXX/16 at XXXX ) I received an email saying : " Welcome to FedLoan Servicing Based on your interest in the Public Service Loan Forgiveness ( PSLF ) program, we are in the process of transferring all of your U.S. Department of Education owned student loans to us for servicing. Having all of your loans with FedLoan Servicing will make it easier for you to manage your loans and track your progression in the PSLF program. '' On XXXX XXXX, 2016, I received the first email saying : " Your student loan payment is over 30 days past due. 
Contact us today to discuss your options. 
Hello XXXX : Your student loan account is a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. '' On XXXX XXXX, I made a payment which was due on XXXX XXXX : Payment Amount : {$770.00} Payment Date : XXXX/XXXX/2016 Checking/Savings Account : **** Confirmation Number : XXXX I confirmed to make sure this was taken out of my account. 
I have another payment due XXXX XXXX of about {$300.00} ( I resubmitted my income-based repayment plan a couple months ago ). 
My mother as well as my in-laws both received a call today stating that my loan from Fedloan Servicing is past due. The caller left the actual Fedloan Servicing phone number ( XXXX ). I did call this number just now and kept pressing '0 ' to be transferred to someone in customer service as I did not want to provide my account number or social security number ( I was being cautious ). 
The statements that I am receiving in the mail I believe are the correct statements. 
I have heard the Fedloan Servicing is terrible with a bad reputation and when my loans were first transferred to them, I had an awful customer service experience on the phone. I just want to make sure that this is n't going to effect my credit. I do n't know what is and what is n't a scam at this point. I do n't know if this is just them being " terrible '' or if it is an actual scam.. 
Thank you for your help
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX/XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX ) Account # : 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: Information belongs to someone else

My information was used without my consent to open these accounts at this time I asked for accounts to be removed. If anything is inaccurate on my report with these accounts remove that as well do the fair cred repair act and that I am trying to better myself in life I wan na be able to provide to the youth and my family.
Complaint sub-issue: Account status incorrect

Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX