Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Account number ending in XXXX Case Number : XXXX XX/XX/2022 Purchased USED video card from XXXX XXXX  that was cost {$1100.00} using my Discover card. XXXX sent me a different video card from the one I purchased. I looked online reviews of the XXXX XXXX  and it's 2 out 5 stars, people are complaining about different issues with used items sold at XXXX XXXX. I contacted XXXX multiple times in regards to returning the video card back to them, but XXXX is not providing me with the return label nor the return shipping address so I can ship it back to them. Contacted Discover card and filed the dispute, sent the pictures of the video card received, multiple explanations and documents proving that I receive the wrong item and still Discover charged me for the wrong item I received from the merchant, with no explanation whatsoever from XXXX why the wrong item was shipped to me. Paying more than {$1000.00} for the item and not having it is ridicules and Discover did absolutely TOTALY ZERO to protect their customer.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I checked back on my account payments, because I thought there was some discrepancy. So I found out they double billed me for {$83.00} once on XX/XX/2022 and again on XX/XX/XXXX, so I called XXXX and the agent agreed there was a double payment so he said they will pay back {$83.00} to my checking account with-in 20 days. I thought I should receive it in a week.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN - XXXX IC Systems Collections XXXX XXXX XXXX XXXX XXXX MN, XXXX Account # XXXX I would like to file a complaint because IC Systems collections added this account ( XXXX ) to my credit report without notifying me in writing or any other form of communication. They claim I owe {$3100.00} which I have requested information on how I owe this amount and the dates to which they say I owe. I have not received any information about how I owe this amount and for which dates they say I owe. I did not apply for credit nor receive credit from this provider on the dates on my credit report.
Complaint sub-issue: Trouble with how payments are being handled

As a note - I didn't realize there was anything I could do about the issue I had with Mohela until recently. I figured they were just big bank getting away with all sorts of things - until I heard some news stories saying these loan servicers were involved in giant lawsuits. 

Originally, I had a government college loan ( unsubsidized ). As part of the agreement, if I made a certain number of on-time payments, my interest rate would be reduced. 

At one point, Mohela took over as the loan collector ( I don't have the exact dates of this, as the information is no longer available in my Mohela account because I paid off my student loan - several years early ). Mohela informed me that one of my  payments wasn't on time, so I wasn't eligible for the reduced interest rate. When I called to inquire how this was possible as I had setup automatic payments - they told me that one payment wasn't on time - and came from a bank account that wasn't my own. When I asked how that is possible - they said they weren't at liberty to tell me. And they couldn't tell me who the other payer was. Up to that point in my life - I had one bank account. So this was impossible.

My guess was that when Mohela took over, the payment for that transition month was routed through the previous lender. The person who took my call clearly didn't care - and enjoyed the interaction from what I recall. They offered no assistance and refused to help in any way. When I asked to speak to the agent 's supervisor - she refused.
Complaint sub-issue: Information is missing that should be on the report

equifax did not give my correct score to the bank i was unable to get loan due to incorrect credit score
Complaint sub-issue: Information is missing that should be on the report

I went into get a loan and was giving my credit report and I found that my mortgage company was not reporting my payments for the last 13 years. I have been paying $ XXXX {$600.00} a month on time and no I have not did anything about it but file this complaint.
Complaint sub-issue: Information belongs to someone else

I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Complaint sub-issue: Information belongs to someone else

It has been discovered that you are not impending records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering improperly because of fraud, I will hand my archives over to my lawyer to begin a legalized process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

On XX/XX/18 I called XXXX customer service number & asked if I had a payment due for XX/XX/XXXX since I never received a bill. I input my account number. 3 reps pulled my account info but refused to give me the information unless I gave them my social security number and date of birth. I was willing to provide my full name and full account number. The refused to provide me any information regarding my bill. My ssn number was not given to me so a XXXX rep could use to identify me. It was given to me for government benefits, nothing more. The manager XXXX agent # XXXX refused her last name yet wants my ssn.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account on several occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the dates to be exact. I have not received any information about these requests. This is negatively impacting my ability to obtain auto financing. I want this account to be removed as it is not reporting accurately.
Complaint sub-issue: Information belongs to someone else

A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. Please send me that information or remove these accounts from my credit, the law is very clear about this. Thank you.
Complaint sub-issue: Information belongs to someone else

FTC Violations XXXX - CARD SERVICE {$2700.00} XXXX - CARD SERVICE {$5700.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX XXXX : XXXX. XXXX, 2021
Complaint sub-issue: Problem with customer service

Per the CARES Act, I submitted a refund request on XX/XX/XXXX for payments made during COVID payment pause. I was told it would take 2 months to process the request. 

Summary of payments requested for refund : {$550.00} payment made XX/XX/XXXX ; {$29000.00} payment made XX/XX/XXXX. 

A partial refund for {$550.00} was received XX/XX/XXXX. Meanwhile the student loan balance on my account reflects the combined total of {$29000.00}. I have not received the {$29000.00} refund. Today is XX/XX/XXXX. The two month timeline given was XX/XX/XXXX. 

Multiple attempts made seeking resolution to refund request.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX has violated my rights.. 


15. U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1661 Section 604 A Section 2. Its also states a consumer reporting agency can not furnish a account without my written instruction
Complaint sub-issue: Account information incorrect

I have a closed account with XXXX that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with XXXX was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with XXXX regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in XXXX.
Complaint sub-issue: Public record

I have Judgement on my account that was on there, but it was paid in full it should never been on my report, Its all paid tax lien, it was on my credit by error, then deleted now its showing up again, my life has been place on hold for the error 's reported
Complaint sub-issue: Not given enough info to verify debt

There is a collection opened on XX/XX/2016 fro XXXX dollars. 
I have no idea what that is ... .... but I do not want to be affected by that. 
I always pay my bills on time
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I received a call from " UNKNOWN '' number. Voicemail left said that documents were refused and to call the firm that hired him within 2 hours. " CALL NOW ''. This person then called family members and left the same message. I called the number back twice. The woman who answered the phone answered with " law office ''. She identified the law firm as " Roberts Law ''. She said she would send an email to the " server '' and tell him not to call anymore. The number I was told was - XXXX.
Complaint sub-issue: Information belongs to someone else

I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges mentioned on the attached list. I have reported the theft of my identity to the Federal Trade Commission.
Complaint sub-issue: Information belongs to someone else

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is Discover Financial XXXX.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX ; I attempted to pay down my Citibank Premier Credit Card # XXXX, with a third party check {$2400.00}. A friend XXXX XXXX, owner of XXXX XXXX XXXX, owed me this sum. It was a payroll check issued from XXXX for his landscaping services. 

I deposited the 3rd party check along with a deposit slip, indicating that the funds were to be used for my Credit Card Payment. The ATM branch that I used was at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ( See attached - Exhibit 1 On XX/XX/XXXX, the bank reversed my payment. 
( See attached - Exhibit 2 ) After many months of disputing this situation : In XX/XX/XXXX, after an investigation by Citi was completed ; Citi REVERSED Incorrect Payment XXXX. However, this status was not maintained because on XX/XX/XXXX, Citi made a Reversal Adjustment XXXX and declined a second time, my payment of {$2400.00}. 
( See Attached - Exhibit 3 ) On XX/XX/XXXX. I received correspondence indicating that " on XX/XX/XXXX the Illinois branch bank requested us to return the {$2400.00} payment to them because they stated the payment was not intended for the above account ... ... '' ( See Attached - Exhibit 4 ) After each reversal that Citi made, I kept calling the customer service line to request further investigation which at first resulted in a solution. However after dozens of attempts more in trying to have Citi apply the {$2400.00} with no avail, I became exhausted and frustrated from this ordeal and stopped pursuing a resolution. However, I kept copies of all the receipts, statements, correspondence, etc. 

When a friend encouraged me to open a case with your agency, that I never knew existed, I decided to pursue a complaint and resolution again.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, and Equifax all reporting a credit card negatively. XXXX XXXX XXXX Bank ending in XXXX in the amount of {$920.00}. 
Transunion has 82 credit inquires. None are mine, Equifax fixed the inquires on there report but XXXX   and XXXX are reporting incorrect/fraudulently made inquires still. 
Equifax reporting Negative/Collection account in the amount of {$1900.00} from original XXXX XXXX opened before I was even legal age of XXXX. XX/XX/2016 XX/XX/2016
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit report is reporting inquiries that I do not have an account with. This is effecting my credit report severely to where I can not get jobs or a home loan.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

See attached disputes that was mailed out to Lexis Nexis on XX/XX/2021 and on XX/XX/2021. Please review and respond to my attached disputes immediately. 

Thank You,
Complaint sub-issue: Debt is not yours

I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
Complaint sub-issue: Problem with statement of dispute

My complain is with Equifax. What is the status of providing my results on previous investigations. How is the verification the XXXX XXXX has the more correct data than the US District documents that I have. Equifax closes investigations with statement, Closed with Explanation sent to consumer. The explanation is horrible, there is no validation unless a company can verify its own information. the name of the company, address, and the statement this has been verified as an account belonging to you. I want to know how and who is able to verify this and the document that prove it.
Complaint sub-issue: Debt was paid

Please provide validation of the debt that is the actual accounting that is a signed Invoice A copy of the Contract binding both parties This company has violated my privacy. There is no record from me granting permission to furnish this account. The negative information is adversely impacting my life. It is inaccurate. Please remove immediately 15 USC 1681
Complaint sub-issue: Problem getting my free annual report

*I have applied for credit, last fall 2014, and was denied because Equifax claims they do not have any record of me. ( XXXX XXXX and XXXX both do. ) * ( Prior to this, in the summer, I mailed a copy of my driver 's license and a utility bill to verify my identity. ) *Since that time I have attempted XXXX other times, via automated telephone systems, to obtain my free annual, and each time have not received anything. 
*The last time, online ( today -- according to their personal verification system ) I was prompted to select from a list the bank that holds my mortgage. I do n't have a mortgage. 
*I hope for a response soon as I am left with no other recourse.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2018 I paid my collection XXXX. I did contact the collector and they sent me a letter showing that they reported it being satisfied.
Complaint sub-issue: Right to dispute notice not received

I send my payment on time every month for 18 months and I have never received a statement or anything from them. I have no way of knowing if my payments are even being applied against my huge {$50000.00} balance. When I call them they say they do n't know the balance or payment information and they will have to contact the credit bureau for my balance. What are they doing with my payments? Why ca n't I access my account online to view my payments and statement information. They have never sent me anything and know nothing when I call. This seems very fraudulent to me.
Complaint sub-issue: Information belongs to someone else

I'm A victim of identity thief ... the following account i didnt authorize ..XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

In XXXX Equifax started to report my DOB incorrectly. I submitted multiple disputes. It was not corrected until XXXX. I have not been able to view my equifax report through XXXX  or annual credit report.com they both state something is wrong with my personal info at equifax. Equifax is unwilling to help. I called and was sent to a different department. They say they cant even access my credit report. The agents re rude, sometimes I wait on the phone and a agent never answers. Instead it goes to the survey. I can access it on my Equifax.com. Equifax is by the far the worse and most difficult credit reporting agency. I should have access to my credit reports just like I do the other bureaus.
Complaint sub-issue: Debt is not yours

XXXX has sent an account to collections to be collected by IC Systems for a debt that is over XXXX XXXX XXXX and is not owed by me. I have disputed the validity of the debt for years and they keep reporting it as a collection on my credit bureau
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2021, I accepted a promotional offer from Citibank, N.A., for a " Flex Loan '' for the terms of 24 months at 8.99 % in the amount of {$2400.00}, with fixed monthly payments of {$110.00}. 

On XX/XX/XXXX, Citibank moved my account balance in total ( {$2400.00} Flex Loan + {$2300.00} revolving balance ) from a promotional APR ( previously unknown to me as my account balance is paid in full monthly and no interest is ever charged ) to the standard purchase APR of 19.99 %. 

On XX/XX/XXXX, a payment in the amount of {$3600.00} was made to account by due date. The amount was intended to cover the previous statement balance of {$3400.00} + {$210.00} toward the {$2400.00} Flex Loan balance, with 8.99 % APR for 24 months. 

On the statement dated XX/XX/XXXX, I have been charged interest in the amount of {$59.00}, despite revolving balance being paid in full each month and agreed to Citi Flex Loan terms of {$110.00} ( I have been paying more than this amount ). 

Citi is charging interest at 19.99 %, not the agreed to promotional terms of 8.99 %. 

This case of deceptive advertising and lending practices is unacceptable.