Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was in the process of changing banks from XXXX XXXX XXXX XXXX to XXXX XXXX and ran all the money out of the XXXX XXXX account only to find that the credit card associated with that account incurred a {$2.00} charge I believe for not being used. I called XXXX XXXX and they were unable to take a payment for this over the phone and so I attempted to transfer money from my XXXX XXXX account to the XXXX XXXX account but unfortunately this took a good amount of time ( I want to say 10 days ) and this {$2.00} caused a late payment and dropped my credit score by over 100 points. The money was transferred and payed on XX/XX/19
Complaint sub-issue: Account information incorrect

I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. 
I received several notices from XXXX XXXX XXXX ( XXXX ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted XXXX at that time and informed them that the dealership was handling everything. After a few more notices from XXXX, I repeatedly contacted the dealership and asked that they do something about the invoices from XXXX and they repeatedly assured me that they were taking care of it ; in hindsight, they werent. 
I heard nothing from XXXX after the dealership informed me that they took care of everything, clearing up the situation with XXXX and that they sent a payment to XXXX  to cover the lost key. 
I recently checked my credit report and found that XXXX had entered a charge-off against me. XXXX never advised me in advance that XXXX would be reporting a bad debt. I submitted a dispute with XXXX and Equifax regarding the charge-off. Both bureaus reported that they had contacted XXXX and that the charge-off was correctly entered by XXXX. I contacted XXXX  and they informed me that the dealership, or the warranty company, had indeed sent XXXX  the balance due on my account, but that XXXX had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing XXXX  could do to rectify that since it had already been reported. 
Because the dealership ( and the warranty company ) were delinquent in sending XXXX the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.
Complaint sub-issue: Keep getting calls about my loan

I co-signed for a {$6000.00} loan for my son on XX/XX/XXXX. When he failed to make his payments, I paid the loan off in full in the amount of {$7000.00} on XX/XX/XXXX. since that time, I have been harassed by Fedloan Servicing through repeated phone calls and letters that threaten to garnish my wages, report me to credit bureaus, and to assign litigation, even though I have talked with representatives many times by phone.
Complaint sub-issue: Account information incorrect

I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off my credit report.
Complaint sub-issue: Debt was paid

Between XX/XX/XXXX to XX/XX/XXXX I moved to a townhome and the townhome was offering free cable, so I did not transfer my services with a company called XXXX XXXX XXXX. Between the time mentioned above I went in person to the XXXX XXXX XXXX on XXXX to turn in two cable boxes and 2 remotes. A female customer service employee took them and put them aside. Ask my name and said okay thank you. I left and thought nothing of it. I then saw that XXXX XXXX reported to the credit bureaus in XX/XX/XXXX that I owned them XXXX for services. I disputed the charges for 2 years until finally it was resolved and investigated in XX/XX/XXXX and XXXX XXXX removed it from my credit reports. It appears that XXXX XXXX sold the account or somehow maybe a mistake it was sent to a collection agency again and now they are saying again I owe XXXX. We took care of all this with the dispute in XX/XX/XXXX. Now it ' [ s coming out again and I do not owe this amount. I would like this off my credit report again.
Complaint sub-issue: Problem during payment process

On XX/XX/2021, I made a purchase that was larger enough to be placed in 12-month special event. Regardless if I have a balance or not ( of current purchases ). Macy 's does not apply my payments to the promotional balance. Example, XXXX statement I did not make any purchases on my account, so I made a payment of {$75.00}. Which I called ( like I do every month ) to ensure that the {$75.00} was applied to my promotional balance, instead the company then applied it to purchases which were not on my statement yet. I have called almost every month and it is constantly not being completed. My last balance for my XXXX statement was {$280.00}, which I made a {$75.00} towards and called to ensure it is applied to the statement balance ( which was all the promotional balance ). But instead I get the XXXX statement which states that my previous balance was still {$280.00} and my payment was applied to my current charges. Macy 's is making it nearly impossible to pay off my promotional balance. Macy 's states they can't help me pay towards the balance unless, I make a phone call every month. I do make the call but they do not apply the payment as requested.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 and XX/XX/2021 I sent some letters regarding inaccurates and unknown things on my credit report. this is over 30 days I have not received a response yet they not follow the guidelines I feel being ignored by my disputes. section 611 ( a ). it is plainly stated that failure to investigate these items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately OR I will file for ligations
Complaint sub-issue: Debt is not yours

Hello my name is XXXX XXXX XXXX. 

have a ZERO debt profile with a credit score of only XXXX. 
Jefferson Capital is the collection agency that are RELENTLESSLY trying to get over {$1800.00} from me for a XXXX bill or debt that is NOT mine. I have tried to no avail to get this company to remove this off of my credit reports. I have requested proof of debt, i have sent in faxes, nothing has worked, As stated above I have ZERO debt and this collection from Jefferson Capital is really a thorn. I take my credit very serious and this debt is causing GREAT HARM to mine and my XXXX year old daughters lives. She wants a puppy and I need space to pursue my art career. Neither can happpen with this collection on my record. I need and want badly for this debt to be fully removed from all three credit bureus so that we can continue our quest to be firs time homeowners here in this great state of Texas. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from XXXX. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. 
Attached are documents regarding my identification. 
Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

didnt recognize these inquiries on my equifax report from car dealer when i didnt need a vehicle i tried resolving by call and dispute nothing happens they were several on XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  please help me solve these problems.
Complaint sub-issue: Reporting company used your report improperly

ACIMA DIGITAL FKA SIMP did not give an initial nor annual notice nor disclosure that I had a right to opt out. The Gramm-Leach Bliley-Act states I have a right to not have my non public personal information shared especially resulting from transactions such as Collections pursuant to 15 U.S.C 6809 ( 4 ) ( A ) .Acima Digital FKA SIMP, its partners and affiliates that I am now opting out from my non public personal information being shared with nonaffiliated third parties such as XXXX, XXXX, XXXX and any other credit reporting agencies
Complaint sub-issue: Information is missing that should be on the report

My complaint is with Equifax. I submitted a dispute XX/XX/2019 online, for some reason the online portal would not allow me to continue so it had provided me a form to manually submit through email. On the dispute form I submitted, it included only 2 accounts. One with the amount of {$310.00} for XXXX XXXX and the other in the amount of around {$1400.00} with XXXX XXXX, original creditor XXXX XXXX. As I submitted the form, it was having trouble and did not provide a confirmation. I followed up with a phone call XX/XX/2019 and spoke with a representative which confirmed a dispute was submitted and the confirmation number was XXXX. She then confirmed one of the 2 accounts were not included and proceeded to help me with another dispute, confirmation number XXXX. A few weeks passed and I received email confirmation that my disputed were resolved on XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I discovered most accounts on my credit profile were deleted. All of my open accounts that are correct and current were deleted. I have been in contact with multiple agents and supervisors. I have been told to contact my creditors and my creditors have confirmed they have been reporting to all three credit bureaus. My XXXX and XXXX profiles are correct for the most part and are updating, but Equifax has still not resolved this issue. This is affecting me tremendously and I need this to resolved expeditiously.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX in XXXX as there were inquiries or my report that I did not authorize when I was buying a car. Earlier in XX/XX/2018 I called with a few from a previous purchase and they were removed with no issues. In XX/XX/2018 when I was purchasing a car I told the dealership not to run my credit in any other bank other than the one my husband was already approved for and that I would only be a co-signer for to get him a better rate. They didnt listen and that why I ended up contacting XXXX. I was criticized by their employees when I called on XX/XX/XXXX that it doesnt affect my credit score. I explained to them that Im not worried about it affecting my credit score and that I didnt want it in my report as I never asked for credit from those places and that it remained on my report for 2 years. I asked them why these items were not removed when I filed the disputed in XXXX but was told that I had to write letters to those companies that I never had dealings with and provide personal information such as name adresss date of birth and social security number and hope that I dont become a victim of identity fraud. They had 30 days from the day I filed in XXXX to verify or delete these inquiries. They didnt do neither and they are still on my report. XX/XX/XXXX inquiries on my report are still not supposed to be on there. I want this resolved ASAP.
Complaint sub-issue: Information is missing that should be on the report

I opened a credit account with a jewelry company. The account reported for a month and then disappeared. The account is still active and in good standing and its sudden disappearance adversely affected my credit score by lowering my available credit and raising my credit utilization.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX For five years now we have had a nightmare with CitiFinancial. First starting with a personal loan of mine for {$7000.00}, I took {$6800.00} out of my retirement to pay off the loan because the interest was so high on the loan. That left {$200.00} to pay, that was in XX/XX/XXXX well we continued to make monthly payments on the loan until XXXX of that same year. My wife and I contacted the XXXX in charge of our account, she told us to stop paying on the account it was paid and there must have been an error and she would get back with us, well she did and told my wife that she applied {$4000.00} to our mortgage, which she did n't, and {$2000.00} to the personal loan. Also XXXX tried to convince us that is how we directed her to do so, definitely false! XXXX either was fired or resigned during this time from that branch in XX/XX/XXXX. Now we begin getting calls from the branch manager saying we owed full payment of {$7000.00} plus late fees. The branch and Citi have been absolutely no help. They also say it happened during a time they were switching accounts to XXXX XXXX XXXX and they 're not responsible for what happened at that time. They acted as if they 're not responsible for their or the employee 's actions. All I know is they stole {$7000.00} from me and my family and ruined my credit ... There is more Citi has done to us I 'll write in another story ...
Complaint sub-issue: Their investigation did not fix an error on your report

I Have been diligently contacting Equifax in order to remove a Old Consumer statement from my report Since XX/XX/XXXX for a month now. The Consumer Statement was not made by me and is a result of Identity Theft in the past. All 3 of my Credit Bureaus had Fraud Alerts and Equifax Must Remove this Consumer statement. I have spoken to 3 different managers and 5 customer service representatives In Equifax customer service department and they all say they have removed the Consumer statement and will show as removed on the credit file in 72 Hours and they give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax and the Consumer statement was not done by me. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately! The last 4 digits of my social security # is XXXX.
Complaint sub-issue: Information belongs to someone else

equifax not letting me login to see my disputes
Complaint sub-issue: Problem during payment process

XXXX XXXX XXXX is not treating their consumer/customers right. 
Got a Monthly Statement and had also signed up for Auto Pay.

Monthly statement clearly indicated the following language. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Your Account is enrolled in AutoPay.

Your next AutoPay payment of {$79.00} will be deducted from your bank account on XXXXPlease note that the next AutoPay payment may be reduced if you have made additional payments or received any credits during the current billing cycle -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Even their Autopay Information clearly mentions : XXXX XXXX XXXX, thanks for enrolling in AutoPay! 
AutoPay Plan Overview Payment Amount : Statement Balance in Full Payment Withdrawal Date:18 of each month Payment Source : CHECKING Account Ending in XXXX Confirmation XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I bought some more products outside the previous billing cycle, and so my account had a current balance, which I expected to pay for the next billing cycle. 

Instead of acknowledging their mistake they said it is normal and standard practice to deduct an amount up to the statement balance in case the Statement Balance is paid in full and one is signed up for Auto Pay. Instead blamed me saying I should have cancelled Autopay. The information provided is misleading and unethical and against standard banking practices. Instead of making amends and help resolve this issue the reps hung up on me up to three times. 

I sincerely hope you can regulate these BIG Banks and they need to be checked and regulated appropriately and I too need to be in the loop for the steps being taken to make sure they treat customers with at least some respect ( which in the past the slogan would be Customer is King! ). They were least concerned when I told them that I would complain to the regulating authorities.
Complaint sub-issue: Other problem

Last XXXX I received a pre approval letter for a discover credit card I thought that I was applying for the one that they advertise all the time no annual fee cash back I applied and gave them all my info and never heard back from them so I figured that I wasn't approved and went on with my life until XX/XX/XXXX when they withdrew {$200.00} from my bank account I immediately called them and cancelled demanding my money back they claimed that it was too late and that I would receive the debit card in two weeks I already have a debit card through my bank so I went to my bank to despurt the charges and then called back discover to tell them and I. Was told that they would be cancelling my account. But because I had paid bills thinking that {$200.00} was there I ended up over drawing my account and got charged {$33.00} and now I'm in the negatives {$9.00} I need help.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX continues to report inaccurate information on my credit report with Equifax, XXXX and TXXXX  without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX  ( 2 ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted my Student Loan provider in XX/XX/2021. My account at the time was current. My hours at work had recently been cut due to them needing to cut back some hours because business was slow due to the Covid Pandemic. The customer service agent I spoke to said they would be happy to assist me and it just so happened that Discover Student Loans had some temporary repayment options. I was told since my account was current i qualified to keep my account current even if i deferred the payment. I was happy. I started paying my loans back as agreed. But then I find out discover had reported my account delinquent when I thought we had an agreement. Now my credit score has dropped a significant amount. When I called Discover Student Loans to bring up this issue they said they had no record of said call. That they would have to look back and listen to the call and even then it wasn't a for sure because the call might have been deleted from their server. All they said was that they would talk to the employee but that I was basically XXXX out of luck and that was that. All they tell me is to dispute their claims. Its not fair that they tell the customers they will help when they actually don't. Now I'm suffering with negative remarks on my credit report and wont be able to buy the house I wanted to because this employee gave misleading information or just didn't care enough to adjust my account.
Complaint sub-issue: Problem with fees

Citi keeps charging late fees and refused to send bills explaining their charges. Their customer service reps claim to waive fees and send bills, but do not. 

Very unfair to charge fees but not send a bill, and then keep charging late fees. Advise other consumer to avoid all Citi bank credit cards.
Complaint sub-issue: Reporting company used your report improperly

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 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, 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 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed I have inquires That I did not request reporting on my credit report. They should be taken off right away.
Complaint sub-issue: Debt was result of identity theft

Here 's another derogatory account that I've been disputing for couple of months already but it really seems that you guys is taking my complaint for granted. Delete the item below at once! 

XXXX XXXX XXXX  Account # : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 


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/XXXX, 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. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - AUTO FINANCE Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22, I notified the credit bureaus and secondary consumer reporting agencies that I am a victim of identity theft. I submitted an identity theft report. As of right now, the items listed on my identity theft report have not been removed. According to Section 605B, these items were to be removed from my file within 4 business days! Also, no accounts can be furnished on my credit file without my written consent! I have never given anyone written consent to furnish anything on my file! I also spoke with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They have told me over the phone, and in writing that they do not furnish any information to the credit bureaus. Upon further investigation, I found out that this information was obtained from XXXX, XXXX, XXXX, and possibly other illegal means. I do have a right to privacy! You will not continue to commit defamation to my character. False information will not be illegally shared about me.