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

I would like to open a credit dispute with XXXX  XXXX, XXXX who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit file.
Complaint sub-issue: Called after sent written cease of comm

My daughter was XXXX from XXXX XXXX but it was n't working for her. They blocked her from furthering the program because I was not financially able to make the asked payments. I told them about my circumstance more then once. They wanted to work with me on smaller payments but I just could n't afford it. My daughter couldnt use the system to study anymore so, I do n't agree to making any further payments to account she no longer was able and blocked from using. It is not fair for them tell me she would be able to excess her progress after payments. But still charge me for something she was no longer able to use.
Complaint sub-issue: Information belongs to someone else

I have necessary paperwork to all three bureaus to get some accounts removed that were not mine and Equifax has failed to respond to my request and failed to remove the accounts from my credit file. XXXX  an XXXX have removed all of the inaccurate accounts.
Complaint sub-issue: Reporting company used your report improperly

Credit Karma has sent over XXXX 's of adds to my home, phone, laptops, computer, as I applied & an I feel has never intended to assist with credit card assistance ... .Just abused my personal info
Complaint sub-issue: Problem with personal statement of dispute

XXXX  XXXX XXXX and Citigroup are dictating to companies who they will or will not do business with based own these banks views of gun rights and the XXXX XXXX XXXX. These multi-billion dollar Banks that were bailed out from financial collapse with American taxpayer dollars now feel they do not have to follow the laws set by Congress and our constitution and can discriminate on certain companies with their on policies. This is a dangerous precedent.
Complaint sub-issue: Reporting company used your report improperly

These items listed are not my accounts or I did NOT authorize these companies to pull my credit. Please remove them immediately.
Complaint sub-issue: Trouble with how payments are handled

I am an XXXX XXXX. When I was XXXX to XXXX, my loans went into default. Before going to default, I attempted to get my loans in a deferment or income based repayment plan. I had tried to have the XXXX use a Student Loan Repayment Plan ( SLRP ), but he XXXX did not process this payment correctly. Instead of putting the loans into a military deferment, using the SLRP to pay the loans off, or put the loans in an income-based repayment plan, my loans went into default. I have tried working with the loan provider and debt collection company, but neither will not allow me to pay off the loans with a payment plan. Now that the loans are in default, the XXXX 's SLRP program wo n't pay the loans off.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Problem with fees charged

I got a car loan from US Bank and my payment got delayed since I was suffering from XXXX complications for the last few months. I had this XXXX complications since I work at a XXXX XXXX and I have to XXXX XXXX XXXX with XXXX 
Also I tried to setup automatic bill pay from US bank web site and keep getting error online banking is not available at this time ( attached is the snapshot ) and along with XXXX complications and long wait time to get hold of US bank customer care I missed a payment. I kindly request that US bank waived the late payment as a courtesy and the US bank web site allow me to set up an online bill pay to avoid late fees
Complaint sub-issue: Problem with fees

They keep changing the payment Amount every month on me one time its {$27.00} next time its {$45.00} then its {$55.00} Now theyre trying to tell me to pay {$79.00} theyre charging me a {$38.00} late fee every month I have every month on the 3 of the month told them. Charge me {$95.00} in interest fees  this account is closed my balance two months ago was {$580.00} now theyre saying balance due was {$630.00} last month XX/XX/2019 XX/XX/2019 bill theyre saying I owe {$730.00} this is gotten out of hand and it is ridiculous I have called and complained this company multiple times and they havent done nothing but racked me up more charges on a card that I closed. I want my payments cut back down to when they were only {$27.00} a month I want credit on my bill I only owed {$580.00} in XX/XX/2019 at this rate Ill never get this paid off because they keep racking up charges I will pay {$30.00} a month I get paid on the XXXX they will receive there money no later than the seventh I want to bill change to the XXXX of every month
Complaint sub-issue: Trouble with how payments are handled

I have my student loan through Great Lakes. I pay my normal monthly payment via Auto Pay on the XXXX of each month, which is the due date. I supposedly receive .XXXX % off of my interest for being enrolled in Auto Pay. I also make additional payments of between $ XXXX {$200.00} at the end of each month via the website. There is a feature that allows me to allocate which loan I want the extra payment to go to. Of course, I always choose it to be XXXX % allocated to the loan with both the highest balance and highest interest rate. I recently discovered that it has never actually been allocated that way, contrary to what I believed. 

I sent in XXXX emails over the last week inquiring about this, and when I finally heard back all I received was a FAQ answer about how extra payments are applied ( which I already knew, and which was not being applied as it said it was supposed to be ). I called and spoke to someone for XXXX minutes today. He explained to me that my Auto Pay is set up to make payments on the XXXX of the month, which is my due date. Thus, the extra payments I make at the end of the month are not considered to be extra, but instead considered to be my normal payment. As such, they can not be allocated to specific loans. 

The gentleman then went on to tell me that I will have to change the date of my Auto Pay via the website ( he said he was not able to help me with that over the phone ) to be earlier in the pay cycle so that my extra payments could actually be considered extra payments. I went online to change it, and the website states it only allows Auto Payments to be processed on the due date and not any earlier. 

Now I 'm stuck between paying all of this extra money every month just to have it only go towards the interest on XXXX different loans, or canceling my Auto Pay and having my interest rates bumped up. I believe this is totally and completely unethical, and I think this company should be investigated for fraudulent and unethical business practices. They make it absolutely impossible to make any headway with getting these loans paid off! I pay almost {$400.00} per month, and the outstanding balance only decreases about $ XXXX {$40.00} every month! Help!!!
Complaint sub-issue: Was not notified of investigation status or results

I have been waiting for investigation updates or results since XX/XX/2021. It has been more than 30 days and nothing yet. There is inaccurate information reported on my credit and I have tried on several occasions last year to fix these errors with no luck. Now they aren't even responding to me. Please help!
Complaint sub-issue: Personal information

I have submitted information to correct my employer 's information and as one can clearly see they list my work in XXXX instead ofXXXX Massachusetts. My second issue is that I use my middle initial and not my full middle name. My third issue is that I was denied an credit card through XXXX due to not having sufficient number of accounts. I also have accounts with XXXX and XXXX Gasoline which is not on the reports. XXXX of the bureaus does not list a previous paid up account at XXXX XXXX XXXX XXXX. It is frustrating dealing with and attempting to dispute and clearify the above issues. I am also attempting to determine when I requested a credit report from the bureaus. I prefer to have them sent to me and not through the internet as I then have a copy for reference, particularly if I do not have the luxury of a printer or there is an issue with obtaining the copy. Once the information is lost, it is lost. Also, have tried to find the credit reporting agency that submits the information to the bureaus with no luck. Please advise. Thank you for your understanding and assistance in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ]
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter from XXXX XXXX XXXX Department to remove an inquiry dated XXXX XXXX 2021. XXXX contacted Equifax to remove the inquiry and they still will not remove the inquiry. The company that mistakenly made the inquiry asked them to remove it and they willfully will not remove it. Also, Equifax did not contact me after 30 days and never sent me the investigation results
Complaint sub-issue: Old information reappears or never goes away

I contacted equfax and attempted to notify them that two accounts on my credit report that I was initially disputing was changed to not disputing and to remove the statements on my credit report as disputing. The 2 accounts are XXXX XXXX and XXXX. I have been unable to contact anyone from Equifax. Whenever I attempt to call they keep telling me im answering the identity questions incorrectly. I just want all statements removed from my credit report stating that I am disputing them claims.
Complaint sub-issue: Attempted to collect wrong amount

Hunter Warfield is attempting to collect a debt on behalf of XXXX XXXX  from me in the amount of {$4700.00}. I do not owe XXXX XXXX  {$4700.00}. I contacted Hunter Warfield on Wednesday  XX/XX/XXXX because XXXX advised me to. I reached out to XXXX to pay them for the court awarded judgement that they received for a balance that I owed in the amount of {$2100.00}. 
Hunter Warfield is in violation of the FCDPA. When I contacted them on XXXX they told me that they had some fees accrue and that I now owe the balance of {$4700.00}. This is inaccurate. 
The FairDebt CollectionPractices Act ( FDCPA ) prohibits theaddition ofany interest, services fees, collection costsor other expenses incidental to the originaldebtunless it is expressly authorized by the agreement creating thedebt I have expressed to XXXX XXXX  that I have the right to satisfy the court awarded judgement against me in the amount of {$2100.00} without being bullied into paying {$4700.00} because the court did not order that amount. Neither XXXX XXXX  or Hunter Warfield are cooperating with me. Both are withholding my right to satisfy the judgmentthat XXXX receivedagainst me by demanding me to pay more that what was court ordered by Judge XXXX XXXX, XXXX XXXX, place XXXX. 
Hunter Warfield is in violation of the FDCPA and the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

In a recent dispute XXXX XXXX, Sr. Consumer Relations Specialist from Equifax , said that the following accounts were verified.XXXX XXXX XXXX XXXX regarding accounts XXXX, XXXX, XXXX and XXXX how is this possible? What was your method of verification. Please send me all documents used to verify these inaccurate accounts, I have no record this information. Please delete these account because they reporting inaccurately affecting my creditworthiness. I am the process of trying rent an apartment for my family.
Complaint sub-issue: Transaction was not authorized

Point of Sale purchase for Skrill USA NEW York XX/XX/2021 in the amount of {$50.00} from my XXXX XXXX XXXX  debit card that is tied to my checking account. Two Point of Sale purchases by Skrill USA NEW York XX/XX/2021 in the amount of {$50.00} two separate times from my XXXX XXXX XXXX  debit card that is tied to my checking account. I have called to have my card immediately deactivated. These are fraudulent charges. I have never done business with this shady company. They need shut down. I have researched that they allow scammers to do this over the years for the exact amounts of XXXX dollars several times just as has happened here.
Complaint sub-issue: Information belongs to someone else

These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX Delete account for failure to failure to perform an investigation 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611.

3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$600.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 

4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$67.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report.
Complaint sub-issue: Information belongs to someone else

I have been sending letters to the credit bureaus for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX  XXXX ... Step up CFPB and remove it from my credit report
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX   violated my 609 rights by reporting incorrect information to Equifax regarding my credit profile. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, names, and employers corrected on my report as this is a violation on my consumer protection rights.
Complaint sub-issue: Problem with fees

XXXX I called Goodyear to complain about a {$10.00} FEE when I withdrew just {$20.00} from my XXXX XXXX XXXX ATM, on XXXX XXXX, XXXX. Goodyear employee told me that they were just following the law and the fee was valid. I believe it is usurious to charge 50 % fee for a small cash transaction of {$20.00}, Goodyear would not budge on eliminating the fee. My credit is XXXX with Goodyear having paid off purchase of XXXX tires.
Complaint sub-issue: Account status incorrect

this account was disputed with the bureau and the company as being reporting incorrect information as far as date last active which transunion show XX/XX/2018, XXXX  shows XX/XX/2018 and Equifax shows XXXX XXXX also showing a past due when the account is a charge off. after disputing and pointing out these inaccuracies they fail to update or delete the inaccurate information. also late payment is still being reported after the account as been closed.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received my unemployment debit card from Key Bank five weeks ago, Key2benefits Card. I only used it once and forgot the PIN? From that moment I've never been able to use it again and Im completely locked out of the system! It won't let me reset my pin on the website, there is no live chat and they don't answer the phone, ever! Theyre holding my money hostage. Please see the million other of the same complaints on XXXX website
Complaint sub-issue: Their investigation did not fix an error on your report

I called this company and asked to have something taken off my credit report that i paid in XXXX. I asked the gentleman how long would it be on my report and he said their practice is to never take it off I said but sir most companies I have talked to say it is at their transgression to where it comes off in the present or 7 years. I don't understand the purpose to just out right ruin someone's credit if they have paid you in full. The company I was talking to was ERC DEBT COLLECTION. They collected payment for an account I had with XXXX XXXX XXXX. It was placed on my credit report XXXX I paid the full amount {$250.00} in XXXX.
Complaint sub-issue: Investigation took more than 30 days

Hello I am very disturbed that Equifax continues to post in accurate and unverified items on my credit report. I have sent numerous letters with minimal response to obtain a written procedure of their method for investigation into my disputes and in most cases, they have failed to respond completely as this is XXXX of the cases of the dispute letters, I sent out on XX/XX/2021 and it is now XX/XX/2021 and I havent gotten a response in writing yet. It appears that Equifax doesnt care about damaging my consumer profile with unverified and inaccurate information that has prevented me from obtaining homes, employment and lower interest rates when attempting to apply for credit in which I have been denied numerous times due to Equifax XXXX ( SOLELY ) on XXXX to do their investigation with some out dated numbering system that guesses what category, number or classification a consumer dispute fall into for verification without no one but a computer reading dispute and no human responsible for deciphering the dispute. This is the main reason the CFPB receives XXXX complaints on Equifax a year and Equifax has not changed the way or process they verify consumer data because they DO NOT CARE about insuring, they post accurate and verified data on a consumers credit profile. At the beginning of XX/XX/2021, I noticed Equifax had reinserted items back on my credit report that had previously been removed. Equifax did not send me ANY notification nor did the entity that Equifax claims verified the erroneous information on my credit report PRIOR to reinserting these negative inaccurate unverified items on my report which are listed here as I have asked by phone and mailed letters for Equifax disputing there claims and remove and delete these negative inaccurate unverified items OFF my credit report. They consistently drag their tail and sometime but not often send a vague response to my questions in my dispute letters and by phone. I consider this a very shady practice and I expect better from an entity that controls whether a family will be able to purchase a XXXX home for a family of XXXX or living in a government housing project because Equifax doesnt XXXX enough to ensure consumers credit reports are accurate. Equifax NEEDS to remove and delete immediately these items below as they have not verified them at all no have, they sent me ANY of the detailed information I requested by phone and by mail. 
DELETE AND REMOVE AND NEVER REINCERT THESE ITEMS OMN MY CREDIT REPORT AGAIN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CHILD SUPPORT XXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reaching out to the CFPB is my second to the last options because my final option is seeking legal advice as I have an extensive XXXX XXXX to support my statements.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was incarcerated XXXX of last year and card end up stolen while incarcerated fraud charges had occurred and account closed and now nobody at the bank/? card issuers cant help nor get information about how to fix the problem