Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I paid my homeowners insurance premium In XXXX to the XXXX XXXX XXXX XXXX and with my policy I was informed that I did not get the best rate because of information given to them by LexisNexis. I was also told that I could get a copy of that report. 

I wrote LexisNexis immediately for the report but only got a letter asking for what would be an identity thieves dream. They wanted a ) a copy of a bank statement or a utility bill with my current address ; b ) a copy of my drivers license AND c ) a copy of my Social Security card. Thinking that they were a reputable company I submitted the items requested. But no report was given to me. I may have assumed wrong about their reliability. 

I would like you to investigate this complaint and see if you can get the company to comply with what is legally required of them. 

The address I have for LexisNexis is : XXXX XXXX XXXX, XXXX, GA XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

A fraudulent charge appeared on my Citi Mastercard from XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/2018. My daughter made a MUCH smaller valid charge, and then someone at the salon ran a second, unauthorized charge on the card for {$23000.00}. Despite the ridiculous amount of the charge, Citibank never Calle to verify that this was a valid charge ( although I have previously received calls of that nature for smaller transactions ). Despite my maintaining from the outset that the charge was fraudulent, Citi has never treated it as a fraud matter, but rather as a merchant dispute. When the valid charge was made, they brought my daughter a tablet to sign for the charge, but did not return her card to her for some length of time. During this time is clearly when they ran the ridiculous, unauthorized charge. The e-signature for this second charge does not match my daughters signature, but looks like a poor attempt at forgery. Citi has done nothing to protect me as a cardholder.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Due to the pandemic, I have been unable to work my second job. As such my Discover student loans fell behind. Recently within the last few weeks, I have secured secondary employment to supplement my income. I had previously made payment arrangements for a single monthly payment that had cleared on XX/XX/XXXX. After this payment was applied it was found one of my loans had a different delinquency from the other loans. As such, when establishing a payment plan to catch up the payments, an additional payment was scheduled to catch up the out lying loan. The first of payment of the plan and the additional payment are scheduled to process on XX/XX/XXXX. 

While previously setting up these payments and knowing what I could afford my mother and I both would receive nearly daily emails from XXXX claiming to be from Discover and collecting on these loans. It was explained to me that these were system generated emails and after all arrangements were setup the emails would stop. 

All arrangements were setup on XX/XX/XXXX ; the emails stopped for approximately two business days. On XX/XX/XXXX, the emails resumed. In this set of emails however, the email I received had the balance due and the amount past due transposed from those in the email my mother recieved. To this date, no one at Discover has been able to confirm that these emails infact came from Discover. Because the number listed in the email is listed nowhere on Discover 's site nor seemed to have a connection with Discover from a web search, as someone who previously had their identity stolen I was not comfortable with calling the number listed. As such all communication has been directly through the Discover Student Loan 's primary number. 

In all communications it was obvious " the left hand didn't know what the right had was doing. '' Stories would change, on one call that lasted over an hour, the agent seemed completely oblivious to the account and payment status. Saying that she had to do some calculations because something didn't look right. 

After applying the payment on the XX/XX/XXXX, I was able to determine in less than XXXX XXXX that the discrepancy was due to the mismatch in delinquency across the accounts. The majority of representatives have been rude and argumentative in nearly every interaction I have had with Discover. While yes I have been upset, not once have was I ever disrespectful toward the agents. I have spent over 15 years in customer service and for me to become upset regarding interatcations with agents, there is good reason. I make every attempt to remain professional with the agents, however when they flat out lie and are disrespectful, it is to be expected the situation will escalate. Agents should always remember the customer isn't usually upset with them, they are upset with the situation. A customer service professional should be able to de-escalate the situation. Coming back at the customer with arguements and excuses are like putting small puffs of air into a balloon until eventually that balloon just pops.
Complaint sub-issue: Received bad information about your loan

On XX/XX/2019 I received notice from PHEAA Fedloan Service ( via my online account inbox ) that I must began paying my student loans effective XX/XX/2019. I submitted to PHEAA via their online complaint there is an error that my summer school began on XX/XX/2019. I uploaded a copy of my course enrollment receipt indicating the student loan amount for summer school. They refuse to accept the information stating they had already checked the federal data base which indicated I was not an enrolled student. Within my online PHEAA account lists my last student loan amount of {$3800.00} which was disbursed to me on XX/XX/2019. That is confirmation that I am a current enrolled student coming PHEAA 's information regarding my student status. PHEAA still refuse to make the corrections removing me from being in delinquent. I have proof.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Best Buy Credit Services has refused to issue a {$250.00} refund to me, despite getting a refund authorization from XXXX  XXXX airlines for this. On XXXX XXXX, XXXX, I bought 2 airline tickets on XXXX ( XXXX XXXX ) from XXXX using my Best Buy XXXX  card from Citi. Each ticket cost {$250.00}. XXXX canceled our flights, but never informed me - by the time I knew of it, 90 days had passed and Best Buy Credit Services told me I had missed my window to get a refund. XXXX also refused to refund, until after I filed a complaint with the US Dept of Transport. Finally on XX/XX/XXXX XXXX  issued refund authorizations. XXXX sent Citi ( Best Buy Credit Services ) 2 refund authorizations : XXXX XXXX for my daughter and XXXX did refund that to me. However, XXXX never refunded the second ticket, XXXX XXXX for my ticket. I was never informed of the refund and it was very difficult to get answers by calling the XXXX airline. I finally learned in early XXXX that XXXX  had also authorized the fund for MY ticket, too. I contact Best Buy Credit Services by phone in XX/XX/XXXX and began receiving letters saying they were working on it. When I phoned them to follow upXXXX XXXX told me that I never supplied the original purchase data of XXXX XXXX, XXXX which was nonsense. Each phone call to XXXX  consumed close to an hour, as I was shunted around with long hold times. Then on XX/XX/XXXX XXXX sent me a generic form letter stating 'they were unable to recover the funds ' because I had " not contact them in a timely manner '' and thereafter, when I tried to talk to XXXX I was rebuffed - they told me the matter was permanently closed. I tried emailing executives at the company and never heard back. I just today learned of this CFPB agency, so I am trying to get back my ticket, for {$250.00} which XXXX issued Best Buy Credit Services a return authorization. I should mention that it is very confusing whether Citibank or Best Buy Credit Services is responsible for the card. XXXX says they are.
Complaint sub-issue: Can't use card to make purchases

GLBA VIOLATION. PLEASE advise Citi to stop contacting phone number and addresses that they feel are associated with my account. Another Privacy Breach, Citi left a message on a phone number that they thought was my number but belongs to my son. My son and I share the same name. I am so frustrated with the " Fraud '' process that is is suppose to be in place to protect my identity when in reality they are providing information about me to third parties. This is my FINAL warning to Citi to  CEASE sending information to third parties about me. I have provided my DL to validate my identity as requested before ( My DL was attached to my last CFPB complaint. This is turning into harrassment from CITI. On the previous response, it was stated that CITI could not remove the XXXX XXXX address but CITI has sent correspondence to that address. This is a breach of my privacy. As I stated before, if Cit questions my identity, Citi should have never approved me for a credit card. I am paying my account monthly prior to the due date so I do n't see where the issue is. CITI DOES NOT HAVE TO WORRY ABOUT MY BUSINESS. I WILL PAYOFF MY XXXX BALANCE AND NEVER USE CITI AGAIN AND ADVISE EVERYONE THAT I KNOW THAT CITI IS A MAJOR RISK AND THEY CONTINUE TO COMMIT SECURITY BREACHES. I WILL ESCALATE MY ISSUE TO THE HIGHEST COURT.
Complaint sub-issue: Debt resulted from identity theft

I do owe this debt as it was already removed from my credit report in 2016 from another collection agency.
Complaint sub-issue: Was not notified of investigation status or results

I submitted my letter to all three credit bureaus to fix an error on my credit report in XXXX but they still have not responded or corrected the mistake.
Complaint sub-issue: Trouble with how payments are handled

On several credit reports it is noted that I was 60 days late on my Federal Student Loan payments in XXXX of 2014 - however, during this time I was a member of XXXX and on a loan deferment program. I 'd like to have the late payments on my Federal Student Loans erased.
Complaint sub-issue: Public record information inaccurate

I have contacted the corresponding court and they have admitted in writing that they do not furnish the credit agencies any information. 

I have reached out to XXXX and XXXX has suppressed any information to any alleged public record.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act i have several accounts that have violated my rights. *15 USC 1681 602a states i have the right to privacy and *15 USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX AccountUS DEPT ED XXXX US DEPT ED 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: Was not notified of investigation status or results

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. i DID RECEIVE A RESPONSE HOWEVER, THERE ARE ITEMS THAT ARE STILL SHOWING ON MY CREDIT REPORT WHICH I INCLUDED DURING MY DISPUTE. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.
Complaint sub-issue: Can't get flexible payment options

Original loan service purposely kept me in default to collect outrageous fees and interest for years without every paying a dollar toward principal. I inquired about ways to get out of default but was n't given workable option. Told I had to make double payments for a year -- close to $ XXXX!! Finally knew someone on the 'inside ' of this corporation and they helped get me out of default. My loans were bought out but still have a have a loan balance equal to what it was even after paying thousands via default. Thinking I was victimized. ZERO communication from lender in order to keep me in default. How do I find out if I was taken advantage of while kept in default??
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked the Equifax, XXXX and XXXX to reinvestigate this account being reported to them and ensure that accurate and fair reporting will be done, but my request was not granted, hence I am asking for your agency 's help. 

There are inaccuracies the way this account was reported to the bureaus. Let me tell you why : XXXX : The limit, past due amount, and balance were not reported, Also, the payment history shows multiple CO marks which are erroneous. 

XXXX  : Monthly payment and limit are missing from the report, and payment history shows multiple CO marks which are inaccurate. 

Equifax : Terms, high balance, limit, past due amount and payment history are missing. 

Clearly, this account was not properly investigated and reported. If the report came from XXXX XXXX, then why it is that each of them reports this account differently? Are they not suppose to have the same information as they all gathered it from 1 creditor?
Complaint sub-issue: Account status incorrect

On XX/XX/2020 citicards CBNA reported my account as being delinquent. I have paid off or settled every account that I have with them on XX/XX/2020. I have made several disputes about them report wrongfully on my credit report. They allowed the creditor they sold my account to report on my credit report, then they reported on my credit report, creating a double negative. I have been on hold for 3+ hours waiting for them to answer my questions and take their negative reports down. Then the phone automatically hangs up on me.
Complaint sub-issue: Used obscene, profane, or other abusive language

On XX/XX/XXXX a gentleman from XXXX XXXX XXXX called me and told me he is calling to collect a debt. He stated I owe {$920.00} for my mortgage payment that was due XX/XX/XXXX, which has a 15 day grace period. I told him I have already made the payment and he told me I did not make it. This is a brand new loan with the 1st payment being dueXX/XX/XXXX. OnXX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX I made a partial payment of {$470.00} for my {$920.00} due on XX/XX/XXXX The agent told me the way I make my payments ( I make a half payment each time I get paid on the 15th and 1st for the following months payment due ) is unacceptable and I can not make my payments like that and XXXX XXXX XXXX will not accept them. He told me he was coming after me for my mortgage payments. He was aggressive and told me I need to make my XXXX mortgage payment now as he is a debt collector and that I did not make my payments like I need to. I explained how I make them 1/2 at a time and he said it was not acceptable by XXXX XXXX XXXX and I need to pay now. I asked on 8 different occasions to speak with a manager and he finally transferred me. He was rude, uncouth, and aggressive trying to collect a debt that was not owed.
Complaint sub-issue: Debt is not mine

Sent a letter however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Gateway One '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Complaint sub-issue: Account information incorrect

All 3 of the credit reporting companies continue to mess up my reports. XXXX  and Equifax are by far the worst. XXXX  removed 4 closed accounts in XX/XX/XXXXafter Equifax rightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!
Complaint sub-issue: Was not notified of investigation status or results

I hope you can help me out with this problem. Back in XXXX of this year I file disputes with all 3 credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost two months and nothing.
Complaint sub-issue: Information belongs to someone else

I discovered an account that does not belong to me from a company called XXXX XXXX. I was made aware of it today XX/XX/20 when I was rejected from renting an apartment that I applied for due to this account being in negative standing. This account does not belong to me and I did not allow anyone to open this account on my behalf using my personal information such as my name, social security number or address. I did not benefit anything form this account and I did not make any payments to this account. I am not affiliated with this company whatsoever nor do I have any formal contract or agreement with them. I have filed a complaint with the Consumer Financial Protection Bureau as well as a police report regarding this unauthorized account.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, my wife and I sent an investigation request to Equifax. We wanted them to investigate erroneous information that appeared on our credit file. My wife received her investigation results in a timely manner. However, more than 45 days have passed, but I have yet to receive my results. Our investigation requests were made simultaneously, so there is no explanation for why my response is delayed.
Complaint sub-issue: Information belongs to someone else

I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.
Complaint sub-issue: Account terms

I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020 or XX/XX/2020, I went to the XXXX car lot located on XXXX XXXX XXXX TX XXXX in XXXX Tx with my girlfriend wanting to get estimates on what it would take to purchase a truck with them. We were working with a new sales agent who told us that we could get purchase estimates without having to pull our credit. We said ok cool. She went to speak with her XXXX XXXX whom then came over and told us that they need to pull our credit to get the best estimates for us. We specifically told XXXX that if we were to finance, we would finance through XXXX XXXX  or XXXX. We specifically asked that they only run our credit through XXXX. We also specifically asked and verified that there would only be 1 inquiry placed on my credit report. XXXX told us that yes it would only be 1 inquiry. As they went to run my credit, I received notifications from my credit monitoring service saying that my credit has been pulled several times from companies that we never authorized. Not 1 of the inquiries was for XXXX. All of the inquiries were from other unauthorized companies. We never authorized these companies to obtain a copy of my credit report. The unauthorized companies are XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They apologized for the mistake and basically told us there was nothing they can do. We requested something in writing stating that we did not authorize those inquiries and that it was a mistake on their end but they would not provide that. I would like for these unauthorized inquiries to be removed from my credit report immediately.
Complaint sub-issue: Account information incorrect

I have two accounts showing in collections with a zero balance that are affecting my credit score. These are not valid accounts. I have tried to file a dispute to have them removed and I have tried speaking to a customer service rep as well.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Debt is not mine

The phone rings 2 to 3 times a day, using different numbers on the caller ID looking for XXXX XXXX. When my mother finally spoke to some one asking for XXXX XXXX, she said no XXXX XXXX lived here then they asked for XXXX XXXX, again my mom said there was no one by that name at this number. The called said OK, thank you and hung up. The next day we receive a call showing ANOTHER TOLL FREE number on the caller ID looking for XXXX or XXXX XXXX. THIS is in reference to Ally Bank. No one in my family does business of any kind with Ally Bank. So far I see 3 different phone numbers being used.
Complaint sub-issue: Reporting company used your report improperly

I opened the XXXX XXXX card on XX/XX/XXXX of 2018 and was charged the annual fees upfront which amounted to almost {$100.00} ( {$75.00} + {$19.00} ) and on XX/XX/XXXX my credit score went down 54 points. I did not have this card within 30 days and it was reflected on my credit report. Since then, I have made 4 payments and the company has refused to allow me to make another payment this month. This card is supposed to help build credit but won't allow me to take the proper steps to ensure I can maintain my credit report.