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

On XX/XX/2019 I received a letter from Nelnet as response to a forbearance request that I made saying my loan was in forbearance. On XX/XX/2019 they withdrew {$120.00} from a bank account not associated with the loan I placed in forbearance. All of my other loans were on auto-pay for several years, but I never placed my new loan in auto-pay because I intended to pay for it with a different account. The money was not authorized to come out of the other account, but they took it anyway. When I called on XX/XX/2019, they told me that I could not get a refund for the money they withdrew without my permission or the permission of the account holder, and that my loan does not qualify for forbearance or repayment options. This account has already caused me problems because my grace period was taken away and I am in a situation where I'm being charged {$120.00} per month on this loan. I make {$350.00} every two weeks. I'm already starving myself to make ends meet. I can't afford this high of a bill, but I have no alternative except to pay because the department of education sent {$300.00} more than they were supposed to and if I pay that money back to get the grace period that I was guaranteed in my promissory note, then I won't be able to pay my mortgage.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX, I went to see a primary doctor affiliated with the XXXX XXXX. For that service, I received a bill for {$240.00}. My insurance company XXXX paid {$70.00}, and I paid the remainder of {$170.00} on XX/XX/XXXX. Thereafter, I received another statement for {$140.00}, listing an " adjustment '' of {$41.00} to the previously billed amount. Nonetheless, I emailed and called XXXX to inform them that this bill was paid in surplus of what I owed ( since my payment of {$170.00} is {$37.00} over the actual amount I owe ). This also begs the question of this hospital 's billing system since the first bill I received was in error on their part, and for an inaccurate amount! Rather than to rectify this issue, on XX/XX/XXXX, I was notified that XXXX sold this account to a collection agency called PMS ( Progressive Management Systems ). Upon learning of this, I immediately sent them proof of payment with an explanation of what had occurred thus far with XXXX. On XX/XX/XXXX, I received a letter from PMS stating that the payment was not credited to my account, but rather, this payment was " applied to ... outstanding balance for date of service XX/XX/XXXX ''. When asked for proof of their claim, there was NOTHING forthcoming because this was simply not true! 
Evidence substantiates the fact that the payment was made in surplus of what was owed. It is the hospital that has their information incorrect. The date of service for the payment I made is XX/XX/XXXX, not XX/XX/XXXX. 

Again, I submitted evidence which I previously provided to the collection agency and the hospital. Everything I submitted had the SAME INVOICE NUMBER plus the SAME DATE OF SERVICE!!! 

Despite my numerous attempts to clarify this matter, both XXXX and PMS continued to ignore me. Instead, on XX/XX/XXXX, I received notification that a derogatory remark was placed by XXXX on my credit report. As you can see from the attached documents, I have attempted numerous times to resolve this with with XXXX and the collection company. It obviously did not go anywhere as they failed to assist with this issue. 

I have also sent both XXXX and the collection agency a statement from XXXX that clearly states the date of service, XX/XX/XXXX, and the amount paid by my them, leaving me with my responsibility of {$170.00} which is exactly the amount I paid on XX/XX/XXXX. 

Currently, I'm having to spend my time trying to dispute their negligent placement of this account with the credit bureaus. Their negligent act has damaged my credit score and has opened the door for detrimental consequences to come.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I have repeatedly tried to unlock my XXXX Report from the fraud alert that was placed on my credit profiles without my prior written consent to do so and it is currently hindering me from being able to qualify for the purchase of my home. This is causing great stress and frustration to myself and y family. I have called multiple times and mailed several letters but the problem still exists.
Complaint sub-issue: Report provided to employer without your written authorization

There are a lot of missing information to tie this account on me. The report is incomplete and I am doubtful that this is correct.
Complaint sub-issue: Debt was paid

I spoke with this company MULTIPLE times where I was dealing with XXXX Directly. XXXX has informed me multiple times that we are handling this together. And this company keeps calling me and telling me I need to pay them. And they give all information over the phone, they even told my sister my social security number over the phone. REALLY!?!? That is not professional, what if she didnt even know me. They have NO BUSINESS putting this on my credit report as I am not doing business with them NOR do I owe them ANY MONEY!!!!!!!!!!!!!!!!!
Complaint sub-issue: Debt is not yours

I originally tried to contact the credit bureaus by via mail, and some of my dispute have been ignored. There's medical debts and a vehicle that I never owned that has been place on my credit. 

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2020, XX/XX/2020, and XX/XX/2020. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.
Complaint sub-issue: Investigation took more than 30 days

I sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX XXXX FILING A LAWSUIT AGAINST Equifax Information Services LLC! Equifax Information Services LLC is transferring XXXX XXXX nonpublic personal information without any of my lawful consent. Ive filled a FTC Complaint against Equifax Information Services LLC and will be writing the CFPB to investigate Equifax Information Services LLC for all deceptive business practices act and unlawful practices with prejudice! As dated XX/XX/2022.
Complaint sub-issue: Information belongs to someone else

Unauthorized accounts that I never opened are being reported : XXXX XXXX Opened : XX/XX/XXXX {$2500.00} XXXX & XXXX Opened : XX/XX/XXXX XXXX
Complaint sub-issue: Account information incorrect

I have called Equifax several times. They will not update the information provided, Equifax keeping saying information is valid. I have mailed several letter in.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested, numerous times over the last 2 years, that inquiries be removed from my credit report. My bankruptcy was discharged in XX/XX/2019 and since then I have had less than 10 legitimate inquiries, however this credit bureau shows nearly 100. Every time I try and dispute them, and explain that my identity had been stolen many years ago ( I have an FTC identity theft report ), they continuously come back " inquiries are a factual matter of record ''. 
It may be true that these companies looked at my credit but I DID NOT authorize it. Now I am attempting to purchase a home and am being told my inquiries are in the way. If the credit bureau can not provide proof ( signed agreement ) that I consented to these inquiries over the last 2 years, I would like them removed.
Complaint sub-issue: Information is not mine

I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section XXXX of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).
Complaint sub-issue: Reporting company used your report improperly

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Complaint sub-issue: Threatened or suggested your credit would be damaged

My husband and i bought a XXXX XXXX  in XXXX, after his death and life insurance i was able to continue with payments. I remarried in XXXX, but he died XXXX, now leaving me with house payment, car payment and RV payment on a low limited income. I wasn't able to continue with all the bills and payments. Talked to the bank and they agreed to pick up the RV. Told the bank I could not make the requested amount monthly payments. They in turn sent me to collections, stating i owe {$20000.00}. I do not know what I should do. Must I file for bankruptcy? My home was XXXX  last XXXX. I am a widow.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2022, I received a merchant refund via square bank/CashApp. I called CashApp and was told that Cashapp could not and would not release the funds to me in order to protect my new account. Problem is that the merchant refund went to a previous CashApp account of mine which was closed due to consistent fraud via CashApp. Although I attempted several times to resolve the issue via CashApp and on my own, fraudulent merchants continued to try and directly debit money from my account. As per CashApps request, I changed my CashApp debit card 3 times and changed my email address. To no avail, and it became apparent to me, that the issues did not lie within the debit card but with account and routing number for square bank, as the fake merchants continued to try and debit my account. So, to help myself, I canceled XXXX XXXXXXXX and opened a new account, XXXX XXXXXXXX Upon realizing that that my granddaughters school had refunded ( merchant refund ) a {$120.00} deposit to the old account ( $ XXXX ), I immediately called Square/CashApp to have them either transfer the refund to my new account or mail me a check. They refused to do either citing security reasons and will not give me any further information on how to proceed in getting my money back. Shortly before I close the first account, I received a letter from CashApp informing me of a rogue employee who stole information and that my account was not affected. Being that CashApp states explicitly that they will not give me any information on why the money will not and can not be forwarded to me as per security issues, even after I have given all of my information from the previous and new accounts, how do I get my money back with all the security issues that Cashapp says are preventing me from accessing my money? In addition, CashApp sent me an e-mail stating that unclaimed money is then forwarded as escheat. How could this happen when I am asking for my money? I have no idea as to what the real time security issues are and CashApp wont reveal what I need to do to resolve the issue. Square simply says they will not provide me with any detail. Once this issue is resolved, I will be closing my account and since I do have several real bank accounts, including XXXX XXXX, XXXX, and XXXX. I only used Cashapp as a convenience to send and receive money to and from my children and grands as CashApp has a feature to close the card at will. However, this feature does not affect or apply to direct debit from a merchant- which is the reason for closing XXXX XXXXXXXX. I will also direct my 5 children and 10 grands to close their accounts too because this is not good.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Pay for discover identity theft protection had a issue with identity theft and compromised bank account. They havent taken any steps to remove the charges just keep billing your he account that was removed and compromised. Have called several times all the gave me was a reference number that means nothing.
Complaint sub-issue: Didn't receive advertised or promotional terms

I made purchases of {$2200.00} through homedepot.com using a Home Depot store card on XX/XX/2021 due to the promotional APR of 0 % offered by Home Depot. However, I see a statement appears to have diverted {$160.00} or more to a XXXX Balance with an unknown interest rate. I am disappointed that I am having to spend more of my unpaid time getting Home Depot to honor the promotional balance when I made a single purchase of {$2200.00} through the website in XXXX distinct purchasing transaction on XX/XX/2021. On XX/XX/2021, I called the customer service number at XXXX to resolve the problem. I spoke with a supervisor named XXXX XXXX XXXX XXXX  that attempted to resolve the diverted amount of {$160.00}. However, XXXX started reading a long legal description for individual transaction amounts -- instead of the approximately {$160.00}. I initially agreed to one amount. I was hesitant on subsequent amounts since the legal description was not in writing. I requested the terms in writing. XXXX refused. I restated my request that I have a XXXX & was having difficulty following, so I need the legal description in writing. XXXX refused again & claimed because I gave prior consent that I could not revoke that consent. I restated my position & stated I would have to follow up with a regulatory complaint because there is no reason I should have to resolve individual transactions from XX/XX/2021 due to Home Depot 's error. I ended the call due to the XXXX 's refusal to provide the legal description of the verbal terms stated on the phone call. From XX/XX/XXXX through XXXX, 2021, I continued XXXX Home Depot 's card services through their website homedepot.com/mycard. Home Depot staff continued their refusal to resolve the error, continued their refusal to provide the the verbal terms from XX/XX/2021, and stated they " noted '' the problem but would not resolve it. I am submitting this complaint so that anyone else that makes a purchase through the website under the terms that it was under a 0 % promotional financing does not get deceived by Home Depot diverting their transaction from the 0 % promotional financing. Thank you for your time, XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I received a letter from ERC Collection Agency in re XXXX XXXX XXXX XXXX XXXX demanding {$150.00} or settlement of {$95.00}. This is an attempted shake down for a debt discharged in  chapter XXXX bankruptcy as of XX/XX/17. I have not attempted to contact this entity so as not to validate this matter unwittingly because it is invalid due to the discharge afforded by the BK Proceedings. This company is trying to perpetrate a fraud during this tax season as is common by collection agencies.
Complaint sub-issue: Debt is not yours

I spoke with the representative from this creditor this morning XX/XX/2020 and they assured me that the account has been deleted from all credit bureaus after speaking with XXXX credit reporting specialist she disputed the items again based upon the documentation that I provided please delete the account from my XXXX  credit report as promised in your prior correspondence
Complaint sub-issue: Other problem getting your report or credit score

As of XX/XX/2018 I have tried for the 1000th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! 

Again, I have tried to access my credit reports ONLINE since XXXX OF 2018.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$8200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$240.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$400.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00} USDOEXXXX XXXX Balance : {$0.00} USDOEXXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

I first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with Equifax and XXXX. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.
Complaint sub-issue: Can't close your account

Opened a high yield savings account with Lending Club. Feel they were misleading. After opening account found there was a {$5000.00} transfer limit per day on account. This was no good for me. Called several times to close account. Was told they could not close until initial {$100.00} deposit was in account and then they would close with no problem. Called XX/XX/21 after waiting a week to make sure initial deposit was in account. Account # is XXXX. {$100.00} was in account but they are still refusing to close account. Asking me to mail them documents to close account. I didn`t have to mail them documents to open account. I have other online savings accounts and never had to go through this aggravation. Every time I called them felt I was getting the runaround.
Complaint sub-issue: Information belongs to someone else

I was looked at my credit report and they are showing inaccurate incorrect information when it comes to my name address and date of birth and phone numbers. I tried disputing it on the 3 bureaus website but they blocked me from doing it.

Make sure to update my correct name and update my current address.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I viewed my consumer credit report and noticed some errors. On XXXX XXXX I didn't open an account with XXXX XXXX using my consumer credit card number. It was open and sent to an address I never lived at. I've also filed an FTC identity theft report against XXXX XXXX and XXXX. I am aware pursuant to 15 USC 1681c-2 ( a ), if the consumer provides a consumer reporting agency, such as, XXXX, EQUIFAX, and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by the consumer stating the information in connection with XXXX XXXX, XXXX  XXXX, XXXX, XXXX AND XXXX is not relating to any transaction by myself, is required to XXXX, EQUIFAX, AND XXXX place a block on my consumer report on the information associated with opened fraud account XXXX  XXXX and XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX   XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, i made a purchase of XXXX dollars on my Home Depot credit card, on XX/XX/XXXX I paid off the complete balance of the card to to a ballance of XXXX. On XX/XX/XXXX I received a bill for XXXX plus XXXX dollars in penalties and interest. When I contacted them I was told my XX/XX/XXXX purchase wasnt added to my balance on XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.