Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX I submitted a complaint against ERC for erroneous reporting and collections tactics on a time barred account. Since then, I received verification from ERC that the debt they have attempted to collect and are reporting on my credit reports has inaccurate information, per the documents submitted to me by ERC themselves. 

This is in reference to a XXXX account, which per ERC records was closed in XXXX of XXXX. The final bill sent was dated XX/XX/XXXX for {$100.00}. The collection account reported on my credit reports is dated XX/XX/XXXX- which is not only incorrect but also after California 's statute of limitations for debt reporting. 

After the final bill from XXXX, according to the documents sent to me by ERC from XXXX, there was another bill dated XX/XX/XXXX for the amount of the collection, which is {$58.00}. Again, the reporting date of XX/XX/XXXX is beyond the 4 year statute of limitations for debt reporting in California. And grossly incorrect, by a time frame of over 4 years. 

I contacted XXXX directly and they could not confirm whether or not the bill was paid, as their payment records only go back 5 years. They can not explain the 9 month gap between service termination and the 2nd bill for {$58.00} ; they were also unable to explain why the balance was different on both bills. Again, these debts are unverified as they have no way to confirm that no payment was received. 

It should also be noted that the communications from XXXX were all sent to an incorrect address in XXXX. From XXXX of XXXX to XXXX of XXXX, we lived in XXXX, CA- which again can be verified by my credit reports. Therefore, the notifications of these alleged debts were not received. 

In the letter received from ERC there is a phone number to call if I have any further questions or concerns. I have left multiple messages requesting a call back to resolve this matter but have not received a response. 

My request is that this time barred, alleged debt, be removed from my credit accounts as the information is grossly incorrect, per the records submitted by ERC themselves. This should have never reported to my credit in XXXX of XXXX and I ask that this be resolved as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

Equifax was struck by a cyberattack which potentially put my personal information at risk, making me susceptible to identity theft and other forms of fraud now, and for potentially the rest of my life. This is unacceptable. My information should not have been shared or taken without my consent, and I should not be held personally responsible for the the possible damaging ramifications of this breach.
Complaint sub-issue: Debt was paid

XX/XX/2016 service date XX/XX/2016 reported {$50.00} I e=requested itemized statement from the XXXX XXXX XXXX ; the statement shows as {$0.00} due
Complaint sub-issue: Received bad information about my loan

I have filed for an income based payment program for my student loans through Nelnet every year since graduating in 2010. I have had issues with the associates giving incorrect information or offering no information or assistance. I 've had to file a deferment for 30 days every year because they claim my paperwork was n't sent in time forcing me to accrue interest on a loan I now will never be able to pay back. I have been unemployed for almost 2 years and can never get factual information or help for these loans. Im on the verge of defaulting because I do n't trust Nelnet or it 's associates. Even after filing a report with the Better Business Bureau, they have failed to reach out and assist me in answering questions I have about this loan I do n't understand.
Complaint sub-issue: Funds not received from closed account

This has been going on for so long and I have been trying to reach out to Citibank for my XXXX dollars for months now and its been very stressful for me and my daughter. I been getting handed off to representatives like a toy ball been giving me the run around everytime i called. I was once told that my bank account is closed and that i should be receiving a check for my remaining funds. But when I called back as I was told to do I was told now that my bank is not being closed but has to be looked at first and I have to wait more months once again. I am very XXXX and XXXX  to the point I dont know what to do with my life Im so XXXXe financially and also my mother has passed away recently so I have no one to rely on for help. Can anyone please help me please. My number is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX reported only one late payment to the credit bureau, I was only 30 days past due and paid them in full before the next payment. I was fined for the late payment and I am up to date and current with XXXX. This impacted my credit score XXXX points, I feel that being a customer with XXXX for XXXX years and XXXX months this was extreme for only one late payment and now I am in good standing with them. I disputed this on the XXXX XXXX with XXXX and Equifax. My credit was rasied back to the original score and then XXXX fought the disbute and my credit was dropped back even lower. I called XXXX and asked them kindly to retract the negative impact because I am a long time customer of theirs and a XXXX point impact on my credit score is extreme and can stay on my credit history for up to seven years. Credit is everything in society from employment to financing. This has greatly impacted my career as far as even getting into medical sales school and approval for loan options to help better my life, my credit score was XXXX and I have worked hard to get it there. Now I can not get approved for anything due to one mistake and XXXX XXXX XXXX is not even trying to work with me. It makes me sick the amount of money I've paid them and the treatment I am getting.
Complaint sub-issue: Problem with personal statement of dispute

pened a Discover secured credit card account. I was approved and funded the card through an ACH transfer from my bank to Discover. A card is mailed to me and I am able to activate and use the card. A week/10 days in, I am asked to submit a verification document. 10 days after that, I received an email saying that my account has been closed. I called Discover to get information regarding the closure. They could provide none other than " business decision. '' I asked about recourse, next steps and why there was no adverse action notice. They had no answers other than " our current policy is not updated '' so we can not provide any information regarding the business decision. Any remaining credit balance will be mailed to me in 4 months. Why was I approved for a card and then denied with no explanation or recourse? In addition, why are they holding on to my money and collecting interest on it based upon their unilateral decision? The phone agent did indicate that I could reapply for a card. It I can reapply for a card though I suspect it would be rejected and further harm my credit score. 

In my XXXX  complaints, Discover reviewed my complaint and cited no new information and provided no answers : They provided no adverse action notice and no justification for their decision. They must inform me of where they got their information and how it can be corrected. I received neither of those. When pressed in the XXXX complaint, Discover offered no information and subsequently the XXXX complaint was closed without resolution. 

They are violating FCRA as their denial of credit impacts my credit score. I have a right to know why my credit account was closed and how I can correct any errors that led to that bad decision. They do not get to have my money for several weeks while they review and ultimately cancel my credit account. 

As this closure negatively impacted my credit score and any subsequent attempt to reopen an account would further impact my account, they have a responsibility to disclose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account ... XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, Dept Of Education/XXXX XXXX XXXX 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 cousin lived with me for about a year and a half. He opened numerous credit cards in my name. I was in prison when these cards were opened so there is no way I opened them. I sent various letters to XXXX, Discover and XXXX XXXX explaining this. I filed a police report, an FTC identity theft affidavit and still they have refused to removed this information from my credit. If this is not removed I will again sue the credit bureaus and have proof of their negligence. I have attached the letters I sent.
Complaint sub-issue: Received bad information about your loan

I took on a number of student loans during XXXX school. After I graduated in XXXX, I worked for the federal government, and sought information about the Public Service Loan Forgiveness Program ( " PSLF '' ) -- a program where I could get loan forgiveness on direct loans after 120 qualifying monthly payments. 

In XX/XX/XXXX, Nelnet sent me an email telling me that I had qualified for a " Special Direct Consolidation Loan Opportunity. '' A copy of this email will be submitted with my comments. I spoke with several Nelnet representatives on the phone and told them that I wanted to consolidate my loans in order to make payments pursuant to the PSLF. I submitted an application. A copy of the email confirming my application will be submitted with my comments. After this, I continued to apply for income-based repayment and make payments on my loans, believing that my payments were counting toward loan forgiveness for all of my loans. 

Years later, in XXXX, when I began the process of recertifying my payment program, a Nelnet representative told me that a significant portion of my loans ( nearly 50 % of the balance ) did not qualify for PSLF because they had not been consolidated as direct loans. I told her that I had consolidated in a " special direct consolidation  loan opportunity '' and she told me that process hadn't actually consolidated my loans into direct loans. Now, on several follow up calls, Nelnet representatives have given me conflicting and inaccurate information about which of my loans might qualify for PSLF. 

I believe that I was mislead by Nelnet telling me I was in a " DIRECT consolidated loan opportunity '' when in fact my loans were NOT consolidated into direct loans.
Complaint sub-issue: Information belongs to someone else

The accounts listed are results of identity theft. I did not give consent to benefit from or utilize my authorized credit. 
Attached is a copy of my identity theft report Account Name Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Problem with customer service

On XX/XX/22 I put a request for a refund for my payments made during the XXXX pandemic with FedLoan. FedLoan stated it would take up to 60 days for me to receive my refund. 

On or about XX/XX/22 I called FedLoan for an update on my refund and I was assured it would still be received in the 60 days timeframe. 

As of XX/XX/22 I have not received any refund yet and the 60 days has elapsed. I have not been contacted by FedLoan to explain any delays or problems. I checked my profile online and confirmed my address and other information was current. 

I am concerned that I will not receive my refund ever or in a timely manner. Over 60 days has been too long to obtain a refund.
Complaint sub-issue: Other problem getting your report or credit score

I have tried on-line since XX/XX/18 to see my Equifax credit report. As of today I am still not able to gain access. The claim of Equifax is, order in progress. Plus they state since XX/XX/18, Our records indicate that you already have an order in progress for this product. We will email you when your order is available for viewing in the Member center. If you have any questions, please call us at XXXX ( XXXX ) or email us at Equifax Customer  Care. I tried the link to e-mail Equifax and as expected it didnt work either. 

Please accept this e-mail as my official complaint that Equifax is harming me by their continued XXXX!!! 

Thank you XXXX XXXX
Complaint sub-issue: Other problem

Discover card willfully misrepresented their intentions in order to obtain payment on my account.On XX/XX/XXXX Discover card called me and stated that if I made a payment that day that it would prevent my account from being suspended. I agreed and made the payments as promised. On XX/XX/XXXX they suspended my account contrary to our agreement. Discover misrepresented and lied in specifically to deceive me. I called Discover and they acknowledge that they misrepresented their collection process but was unwilling to offer any resolution. I understand I owe the money and was working to keep them in good standing but I question the legality if not ethics of intentionally lying to the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX OF XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

NO information given. Accounts unknown. It's been 3-4 months and no sign of investigation. Accounts violate multiple laws including 15 USC Law 1692 ( e ) ( f ) ( g ) and 1681 ( a ). I was never notified of these debts and never authorized or given permission to report.
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/XXXX - Reached out via email to request a refund of my payments made on XX/XX/XXXX of XXXX. ( Replied XX/XX/XXXX ) XX/XX/XXXX - Phoned into Student Loan Counselors and spoke with a representative that informed me that my refund would apply 30-45 days from speaking on the phone. 

Today, XX/XX/XXXX - I have not received any updates, no emails or changes on my account page. It was supposed to take 3 weeks for my account to process, and another week or so for the refund to hit my bank.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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

There are XXXX accounts on my credit report that do not belong to me I have not approved authorized or used these accounts I need this off my credit reportr ASAP!!!! 

XXXX/XXXX  XXXX  - Account # XXXX Amt {$2200.00} XXXX XXXX - Account # XXXX Amt {$830.00} XXXX XXXX XXXX XXXX - Account # XXXX Amt  {$3400.00} XXXX XXXX XXXX - Account # XXXX Amt {$1100.00} XXXX  XXXX XXXX XXXX - Account # XXXX Amt {$300.00} AFNI, XXXX - Account # XXXX Amt {$130.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

Dear Equifax I need a credit report in English language. 

Do you already receive my XXXX form for FATCA identification? I have a problem with your representative to transfer information to head office of Equifax.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Complaint sub-issue: Account opened as a result of fraud

I opened a Citi Business Streamlined Checking account ( ending with XXXX ) at one of their branches located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX since they were running a promotion that after deposit $ XXXX within 30 days and keep the fund for 60 days I should receive a bonus of {$1000.00} within 90 days. I opened the account with one of their bankers and deposited $ XXXX  on XX/XX/XXXX. I kept the $ XXXX in my account until XX/XX/XXXX ( after almost 90 days ) and called Citi to check my bonus status. I was told that they would investigate it and gave me a case # XXXX. However in the following months until today ( XX/XX/XXXX ) I still have not received the bonus. During this time I made several calls to the bank and wrote emails to the banker in the branch to check my case status. The banker was helpful by checking with the bank but all the response I got was that I've met all the requirements and should be qualified to receive the bonus and I should receive it by the end of XXXX. I then patiently waited until the end of XXXX which has been well passed 6 months and no surprises I still have not received the bonus from Citi. I'm very disappointed by Citi running fraud promotion by getting people sign up for their account then refuse to pay out the bonus as they promised. I trusted Citi by putting my hard earned money into their account but Citi does not seem to like to honor their own promise.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account # XXXX account # XXXX account # XXXX, is violating 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 also states a consumer reporting Agencey can not furnish a account without my written instructions.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I tried making a payment on my Macy 's account via the app on my cell phone. The payment did not go through, saying I couldn't make less than minimum balance which was over {$1400.00} dollars and I was only paying {$75.00} on my account. My payment was not due until next month, I wanted to pay in advance. The payment never went through so I could not complete the payment. A few days later I received notification that my payment posted of {$1400.00}. 

I called Macy 's on XX/XX/XXXX to inform them that the payment was posted in error. I spoke with XXXX who said I made the payment with my bank account on the app. I told her I did not make the payment. I asked for a supervisor but she told me the supervisor would say the same thing. I insisted on a supervisor and she placed me on an extended hold but no supervisor came to the phone, I hung up. 

I called back today XX/XX/XXXX and spoke with XXXX for assistance. She said the same thing as XXXX, I asked for a supervisor and she continued telling me that I needed to wait XXXX days before they could refund the payment. I asked her if she heard that I was asking for supervisor and she said the supervisor would say the same thing. I asked for a supervisor again and was placed on hold for XXXX minutes before a supervisor by the name of XXXX came on the line. He asked me what I wanted him to do about the payment. He said they could reverse it after XXXX  days or refund it. I told him that the payment was an error and I did not complete it. He continued with the same resolution. 

Since, I wasn't getting anywhere with the reps by phone, I sent a few emails via the app secure messaging system. I received notification back that I should call in for help. 

Due the bad customer service I am receiving from Macy 's I had no choice but to try to resolve outside of them. This erroneous payment is causing me NSF charges with my bank. Macys need to reverse this payment because it was their system error that caused the problem. I have been a customer for almost XXXX years and have never had this issue. Anytime you make a payment online, an email confirming online activity is sent but I did not receive that for this XXXX payment.
Complaint sub-issue: Information is missing that should be on the report

MR XXXX XXXX brother brother dont play your XXXX little games with me brother you know that youre in full violation of the FDCPA the law REQ you to enter the next companies information on the credit report you have failed to do your job and most importantly youre violation a federal law. I really dont care where the debt is at this point after doing my own investigates I found that you violated a federal law and you have to remove it I know you keep saying you wont remove it and Im telling you that you have to due to the violation and brother brother I wont stop until you do remove it because I can legally take legal action if you dont so cut the youre rift raft out and remove the tradeline today. 
XXXX XXXX Equifax I Delete this tradeline due to the fact that XXXX is has violated FDCPA for failure to not the account as transferred sold and or place also this is a FCRA violation as well remove the account immediately and send me a updated credit report showing the changes thank you!