Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

Before my loans went into repayment once I graduated from grad school, I chose to consolidate. My loans were transferred to FedLoan Servicing. I have previously had loans consolidated with XXXX and have only had good experiences. I currently pay my student loans from my previous degree through XXXX 's direct debit system, with the same bank I am attempting to use with FedLoan. They have repeatedly approved my application for direct debit, then told me I had insufficient funds ( I do not ). I have had issues with them telling me my routing number is wrong, I change it to the one they tell me, then it 's still not going through. It seems that they are deliberately complicating the process of direct debit so that the interest rates do not have to be dropped the tiny portion of a percent. Every time I use my banking information to make a phone payment, that MAGICALLY goes through. I have been calling them at LEAST monthly to correct this issue since XX/XX/XXXX and it is now XX/XX/XXXX. I have launched my second complaint with the ombudsman and requested that I have my account transferred to another provider, hopefully XXXX, because clearly this is a predatory lender.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX {$1200.00} Acct XXXX XXXX XXXX {$280.00} acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions
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 items 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 items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3800.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$250.00} ; XXXX  Inquired on XXXX XXXX, 2022 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: Credit inquiries on your report that you don't recognize

I had a hard credit inquiry done by Credco without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.
Complaint sub-issue: Attempted to collect wrong amount

We purchased a credit line from a home services provider in the summer of XX/XX/XXXX. We've been paying a monthly payment on the loan for almost 1-year. On the morning of Friday, XX/XX/XXXX, I received a phone call from GreenSky Credit & I immediately knew it was time to make a payment on the account. I thanked them for the reminder and made a note to pay it when I went to the office. 

1-hour later I received a " payment confirmation '' that a payment for {$180.00} was made on my behalf, without my authorization or submission of any kind. I immediately went to their website and cancelled the payment. I called them directly & they claimed that bc I cancelled the payment they could not tell what had been done on their end. I informed them that none of that mattered that it was illegal for them AS AN ORGANIZATION to authorize a payment on anyones behalf w/o authorization. If the phone call was recorded then they will know that no one authorized a payment. 

I went ahead and filed complaints w/ the BBB & CFPB. I have both emails as proof that an unauthorized payment was made & then I cancelled it. I went ahead and paid the account in full because I NEVER want to do business w/ a company who steals from it's own customers.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX my debit card declined due to insufficient funds. When I check my account I noticed a levy from California franchise tax board ( FTB ) on Monday XX/XX/XXXX I called the FTB and resolved the issue. At around XXXX the person from FTB said they would fax the release to Citibank and I should follow up in a couple of hours. 
When I did Citibank claimed they had no records of the release being sent to them. 
I called the FTB again around XXXX on XX/XX/XXXX and after another hour on hold the representative from FTB faxed the release again to Citibank and upon my request age also sent me a copy of the release. 
When I follow up with Citibank they would either hang up or route me to the wring extension. When I did get a banker on the phone I was told of would take 24hrs, someone else said 48hrs and today I was told 36hrs.

It's been over 48 hrs I still don't have access to my funds even though the lien release was sent over to Citibank well over 48hrs ago. 
On XX/XX/XXXX I walked into a local branch emailed the branch manager the documents I received via fax from FTB but that resulting in nothing. 

I currently do not have access to the funds in my account. I can't purchase gas, food or any other necessities Citibank refuses to release my funds or provide any information about who I need to contact of when the funds Will be available. They are holding on to my funds illegally
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15USC1681Section 602A states that I have the right to privacy.

15USC1681Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Personal information incorrect

Equifax is refusing to remove 2 incorrect/fraudulent previous addresses from my credit report. I first informed them of these bad addresses in XX/XX/2018 and after about a dozen calls since then, they claim to have removed the bad addresses 3 times. However subsequent credit reports from Equifax still contain the fraudulent addresses. After all this, Equifax then claimed that they could not tell me which credit company was continuing to report the bad addresses and that I needed to call each one to determine who was reporting it and to correct it. I called all of the credit agencies on my report and all say that they are not reporting the fraudulent addresses. I called Equifax yet again today XX/XX/18 and they said that there is nothing that they can do. So despite their clear admission that they are reporting fraudulent information for me, EQUIFAX SAYS THAT THEY WILL CONTINUE TO REPORT INFORMATION THAT THEY KNOW IS FRAUDULENT. PLEASE HELP!
Complaint sub-issue: Information belongs to someone else

After receiving my credit report, there are multiple US Code has been violated by this reporting, 1. 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 15 USC 1681a- ( e ). " Congress says in order for you to have conducted an investigation you have to have Spoken to neighbors, friends or associates etc and if they spoke with them the information provided can not be factual ''
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  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: Debt is not mine

I was a XXXX bundle customer and I have terminated my contract prior to XXXX XXXX, XXXX due to a transfer of residence. Months after, I got calls from a collection agency for XXXX saying hat I owe them {$100.00} and some change for services rendered on XXXX XXXX, XXXX to XXXX XXXX, XXXX. For an address that I am not living in anymore. They are charging me for services we did not use. When we called them about it, they said they will fix it and make sure it 's taken care of. Today, XXXX XXXX, XXXX, I am applying for a new lease for a new property and that amount shows up in my credit report, essentially increasing my deposit requirement!
Complaint sub-issue: Public record information inaccurate

This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my XXXX report. The following date is when this remark was disputed via CFPB : XX/XX/XXXX, XXXX- via CFPB, XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested for information to validate your findings with LexisNexis or the secondary agency you receive your public records from. Youve ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with LexisNexis via phone as well as paper trail getting the same response from the company. The XXXX Court listed informed me that they do not work with credit reporting agencies like XXXX, therefore, they could not confirm nor deny any information. XXXX continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019 and mail, stating the vendor has claimed the information as accurate. Theres no proof XXXX verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by LexisNexis that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with LexisNexis via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the LexisNexis report showing no reporting Chapter XXXX Bankruptcy Ive submitted to XXXX. Ive even attached my XXXX report showing how another reporting agency is correctly reporting the information. 

XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

For Equifax to say they can not find my credit file is just lazy, I sign into MY Equifax all the time so my credit file is available. 
Attached you will find a copy of my Drivers license front and back and a copy of my social security card. 
Please Equifax do you job and stop stalling I am a natural person, a living human being. I have rights under law 15 USC 1681, And they have violated my rights several times. I demand the accounts listed below be removed because According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Received a bill from a collection agency for something I'd never seen or used. 
A credit card denial from a XXXX Bank that I never applied for.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : PNC BANK Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Complaint sub-issue: Personal information incorrect

I am freaking tired of this company they hang up on me on purpose or they lie about verification. I sent all documents and they did not investigate unauthorized inquires and address XXXX XXXX XXXX needs to be removed never lived there. They are stalling. They are in violation they never investigated. I enclosed the police report they asked for.
Complaint sub-issue: Account information incorrect

A review of my credit Equifax rating score was listed as XXXX on ( XX/XX/19 ) .And then upon another review made on ( XX/XX/19 ) found my then current score to be XXXX. Further invest of my credit report indicated that only two open accounts between the dates of XX/XX/19 & XX/XX/19 were updated by the lenders. 
1. XXXX reported a decrease of XXXX 2. XXXX Loans reported a decrease of XXXX. 

I then initiated a dispute with Equifax ( EQ ) on XX/XX/19 and a subsequent follow up was received ( XX/XX/19 ) from EQ without a credit correction score posting. Upon telephone ( call XXXX XXXX XXXX ) was advised that EQ could not explain the reason for posting the XXXX point decrease and/or that there was nothing that they could do to resolve this matter.
Complaint sub-issue: Debt is not mine

I have been charged by property management ( XXXX ) for leaving apartment filthy however have photos and dated videos showing proof that I did n't. The management was notified and I was told that I was wrong and charges will stay, because this is how they do business and they always get paid. After 7 attempts of settling what was actually owed. I was informed debt was being turned over to collections because they always get their money. I contacted the collection agency Hunter warfeild in writing informing them the debt was not valid. They said they will investigate and notify me. This never happened and now this illegal and trumped up charge is on my credit report. Would love the chance in court to prove my innocence.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX  has a fraudulent account on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
All fraudulent accounts need to be removed immediately.
Complaint sub-issue: Information belongs to someone else

I have been submitting letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I submitted a disputed referencing the Medical debt forgiveness Act 2022 and that medical debt under {$500.00} would be removed. 

The disputed was submitted and Equifax stated the debt was accurate and was not removed. 

XXXX XXXX XXXX - {$55.00} XXXX XXXX XXXX, XXXX, CA XXXX
Complaint sub-issue: Problem with personal statement of dispute

There has been previous issues involving XXXX XXXX XXXX XXXX " Bill Pay '' and XXXX XXXX and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

XXXX tells me the collection dept made attempts to collect $ XXXX and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX since opening the line of credit.
Complaint sub-issue: Can't use card to make purchases

I was once a fraud victim of identity theft and notified the credit bureaus about the fraud. The bureaus worked with me to solve all problems. I recently changed my phone number. My old number was XXXX an my new number is XXXX. I reached out to bloomingdales credit card company to change my number on file with them. They told me it needed to be changed with the credit buraus too. I sent the credit bureaus certified letters about 3 months ago letting them know I had a new updated phone number. Everytime I attempt to place a order or even add a authorized user to my account with bloomingdales they always say they will place a call to my old number ( that I don't have anymore ) to verify its me. I have tried NUMEROUS of times to get my phone number changed on file with them and they wont do it. I called the Credit Bureaus and the REASSURED me that the new number was reflecting. I would like to be able to use my Bloomingdales card however they wont allow me due to me having a new phone number. I would like to solve this issue as soon as possible. I have had this card about 5 years or longer. When I call they will place me on hold and sometimes even hang up on me. Bloomingdales should pull my credit record and it will show I have updated my number with the bureaus. Instead they tell me the bureaus need to contact them which makes no sense at all. I would like to keep my card and be able to actually use it in store and make purchases online. They also once had me to set up a telephone password and they still wont ' allow me to change my number .Thank you.
Complaint sub-issue: Information belongs to someone else

Equifax Consumer Affairs sent me a email request to upload the following attachments to dispute the fraudulent inquires on my credit report. I sent the agent a copy of the FTC Report for them to remove the fraudulent items on my credit report. She told me she would do it within XXXX hours. I sent the XXXX a copy of the letter to remove the late of XXXX XXXX XXXX to remove the late payment from my credit file. This item was updated in the month of XXXX when I had covid XXXX in XXXX and there was a late payment mistakenly reported to my file. The agent that verified the document was accurate and told me he would remove the late from the credit report. The 30 day was removed and now it is showing again. It is hindering me with my credit reporting ratings and purchasing a home. I feel I am discriminated because I am victim of domestic XXXX and I am told the agent that.
Complaint sub-issue: Account information incorrect

My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with Discover Student loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on Discovers end. My balance to the loans is currently XXXX. In XX/XX/XXXX Discover is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call Discover to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. Discover has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against Discover. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
Complaint sub-issue: Can't close your account

I tried to create and an account with Money Lion for their roar money account however they denied opening an account to me because they could not verify my identity. I have two last names which their system only allows if the names are hypenated, mine are not. I submitted documentation ( my ID and marriage license ) to provide verification but my account was denied. Due to the denial I asked if my information including my social security number, name, address and email address could be removed from their database to which I was told no. I was informed that they would retain my information but only deactivate the account. I simply want my information removed if I can not monitor its use and was told no.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXX Bank 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
Complaint sub-issue: Information is missing that should be on the report

In XX/XX/2017, I contacted Equifax and ask them to correct the start date on an auto loan through XXXX XXXX. Instead of updating the information the entire record was deleted. I reached out to them by phone to fix the issue and was told that a representative from XXXX XXXX had to contact Equifax in order for the loan to be re-added to my credit file. On XX/XX/2017, I contacted XXXX XXXX and was told to fax them the request. I did the same day. XXXX XXXX sent me a letter on XX/XX/2017 stating that they had furnished the information regarding the loan to all 3 credit bureaus including Equifax. On XX/XX/2017, I sent a follow up letter to Equifax highlighting incorrect information on my report. I also asked them, again, to add the XXXX XXXX loan to my report. I included a copy of the XXXX XXXX letter in that correspondence. To this date, Equifax is yet to report the XXXX XXXX loan. That is approximately 3 years of on time payments that is favorable data for me that is being left off of my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

Received a letter from XXXX XXXX XXXX stating their client USI Solutions , Inc turned a debt over to them that was originally owned by XXXX. I don't know what debt this is referring to and have not received any other communication regarding this debt of {$5600.00}. They offer a discounted payment of {$1400.00} if paid by XX/XX/21. I am not sure if this is real or a scam. 


XXXX XXXX XXXX