Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't agree with the fees charged

During the Pause of all student loan repayments, this company stated that My student loans were too old to fall under the stop. When I tried to dispute this they told me there was nothing they could due, because of the way the law was written. I did some research and found out that they lied to me. There was no date put on what student loans were supposed to be paused. They have been charging me interest and late fees for the entire time the Pandemic Loan pause has been in place.
Complaint sub-issue: Debt is not yours

This is not my account please remove from my credit report
Complaint sub-issue: Frequent or repeated calls

Back in XXXX or XXXX, I became I XXXX with my company. We have our cell phones and technology paid for by the our employer. I called XXXX XXXX and had BOTH my cell phone and tablet transferred to the business account. I was clear about transferring both items. The XXXX employee stated that they just needed to get the clearance from my employer. My phone bill was transferred however my tablet was not. I was not contacted about this until a much later date. I didnt hear anything about an outstanding bill until I went into the XXXX XXXX location in XXXX XXXX a couple years later after having an issue with my phone. I remember the store employee telling me that she shouldnt be discussing this with me because its already been turned over to collections. That conversation had to be in XXXX. When I check my credit score, it states that this wont fall off until XXXX!! The tablet was in collection in XXXX so how will this not come off of my credit score until XXXX?? How is this possible. That is WAY past the 7 years something takes to come off of someones credit report. MULTIPLE TIMES, likely XXXX times, I spoke with the collection company that XXXX hired to collect my debt. I requested them to have XXXX XXXX contact to to explain why they never placed the tablet onto our business account in the first place. They continued to call and harass me while I was working for months even years after I requested XXXX contact me and they stop. I want XXXX to explain their error that caused this debt in the first place. My credit has been suffering for years and will continue to suffer because of XXXX error and lack of communication about the debt. The debt is a small amount and can be easily paid. However, this was an error on XXXX part and Jefferson Capital continues to reopen this collection. It should have been off my record years ago but because of an error and Jefferson Capitals shady dealings this continues to be on my credit. This is really a complaint for Jefferson Capital and XXXX XXXX but since the original error was made by XXXX, they need to have most of the responsibility.
Complaint sub-issue: Problem with customer service

XXXX XXXX is refusing to give me credit for work complete in XXXX  XXXX with the XXXX XXXX XXXX. I have completed the paperwork to certify my work to include the information of my employer EIF number, website, address. etc. My past employer will not fill out the documentation as I no longer work for the XXXX XXXX XXXX after 12 years of service with them. XXXX XXXX is requiring that the XXXX XXXX XXXX sign my paperwork. I am unable to do this and I check the box stating I was unable to do this on the application. XXXX XXXX XXXX   responding in a letter that I had to have them sign it. they are unwilling to take anything showing proof that I work for that XXXX XXXX XXXX and will respond with get a signature. I am no longer employed their and can not walk into my old HR as it was a XXXX I worked at and access must be approved of which I can no longer get. XXXX XXXX is taken advantage of me and probably others in the same situation.
Complaint sub-issue: Reporting company used your report improperly

My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX is also reporting my XXXX of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XXXX of XX/XX/XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. Ally financial can clearly see in the online portal that the payments were made within the 30 day time frame.
Complaint sub-issue: Debt was paid

I have been dealing with IQ Data International for 4 years and have tried to settle the matter with the company. 

I worked for XXXX in 2018 and lived at one of their apartment communities. Due to a work conflict and an infected apartment with bugs, I was allowed to vacate the premises without owing a balance. I have provided documentation, i.e. emails from management stating I don't have a balance, to XXXX and the documentation was provided to IQ Data International and they refuse to accept my written correspondence. 

On XX/XX/XXXX, I spoke with XXXX from IQ Data International, and she advised me to go to XXXX XXXX, while she was on the phone, and apply for a loan to pay this outstanding debt. She took information from me to see whether I qualify for a hardship settlement due to my circumstances and placed me on hold. She returned back and advised me to go to XXXX XXXX  and apply for a loan for {$1800.00}, the debt is {$1400.00}. I explained to her my credit is not the best and I will not be approved, she insisted I apply. They are asking me to pay more than 20 % interest on top of the actual debt. I have no signed contract from the creditor stating I will be paying interest ; this is against the FDCPA. I have asked IQ Data to provide me with documentation from the creditor to show the stipulations, and they have refused to provide me with anything. 

After a few moments, I told her I do not owe this debt since I have written documentation from a manager. She stated I need documentation from the regional manager, which I did provide, and IQ Data is still refusing to accept any documentation and have this collection debt on my credit going on 4 years. 

This has caused me to find housing and tremendous hardship and qualifying for any credit and has impacted my score.
Complaint sub-issue: Credit denial

Credit is my right, US Bank has discriminated against me with an adverse action in the form of a denial under 12 CFR 1002.7,15 us 1681a, this being adverse to my interests as a consumer. Congress definition under 15 usc 1691 explanation of activities constituting discrimination says it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION, this law is clear! U.S. Bank has committed a crime and continues to be noncompliant and willfully negligent on resolving this matter. Credit is my right.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019 I made a cross-country move. My move was sub-contracted out to a company that was NOT of my choosing ( my original contract was not with these people ) and the company that showed up that day was unknown to me. It turns out they have multiple XXXX complaints against them for fraudulent business practices. For my move, they sent one of their employees and he picked up four day laborers from my local area who had never done moving work before. They handled my items roughly, broke a few things, and one of them stole a bag containing a passport and other identifying items ( this last was verified by the police ). The moving company also took my household goods hostage in the truck and would not move anything unless I paid double, almost {$3000.00} more than was in the contract. I will note that handling my items in this way is against federal regulation and laws applying to interstate moves. 

I paid with my XXXX Citibank Visa because they had everything I owned and I was not in a position to fight them, alone in my house. After the move, realizing how badly the movers had manipulated me, I contacted XXXX, who advised me to file a dispute with Citi before I attempt legal action. I filed the dispute on XX/XX/19 and was told that I would be contacted shortly to provide documents, photos, and anything else I had to support my dispute. However, two days later, on XX/XX/19, my dispute was closed " resolved '' and the reason given was the merchant had performed a service and deserved to be paid. 

I immediately called customer service at Citi and was directed to someone in the disputes department, who listened to my story, heard that I paid the movers twice - once with the card to get them to actually move my stuff, and once with cash - and I have documentation proving this, and he said I had a good case to reopen the dispute and cite double-charging. He told me to email my story and any supporting documents to XXXX and my case would be re-opened for review. 

I gathered everything together and on XX/XX/19 I emailed a full accounting of the moving experience, photos of my items, and copies of the conflicting contracts and receipts with the movers to Citi. As of XX/XX/19, however, I had heard nothing, could find no evidence of action on my dispute and nothing had changed on my online account. I called customer service again and was directed to another person, who said she could see my email had been received but all my attachments were corrupt. I asked why no one had responded to me to indicate receipt or that there was a problem, and she had no answer for me. She simply suggested I re-send.

I re-sent everything that same day. However it is XX/XX/19 and still my dispute has not been reopened, and when I call today, I can not reach a live person who can help me.
Complaint sub-issue: Attempted to collect wrong amount

When Working  w  ith The Collection Agency Professional Credit Services multiple calls was made to phone #    XXXX   XXXX   XXXX   XXXX   and  XXXX . I Was told on the   XXXX   XXXX   XXXX   by  XXXX  in the litigation Department that a refund of my garnishments was sent back on the    XXXX   XXXX   XXXX   either to  my home address or my employer. This was from a call initiated by me do to the attempt From PCS to garnish my wages for a second time. This was resolved by a copy of a document I had provided by the  XXXX   XXXX  stating they had paid for the balance owed the full debt, through financial assistance. After finally verifying the letter that was a receipt of the full balance being  XXXX ,  XXXX  then explained the garnishment amount was to be returned in full.   I had received the amount of {$440.00} already handed to me in form of a check issued on  XXXX / XXXX / XXXX  and was told that I would need to wait for  XXXX   XXXX   XXXX  to contact the client before I would receive the remaining {$830.00} and when  XXXX   Had  told me of the return of that {$830.00} on  XXXX   XXXX , I had went ahead and used my credit card to make purchases expecting the check to reach my employer or my mother 's by the time I would got paid on the  XXXX . I had already called my employer immediately following my first call with  XXXX  the week prior to the  XXXX  when  XXXX  informing me the check was sent out but yesterday on the    XXXX   XXXX   XXXX   I called the payroll department to follow up on the check to see if I should  use my Credit Card anymore and that 's when I was told that the check has not been sent out yet and that PCS is still deciding on how to send it out.   I have been working with PCS Sense  XXXX  when I first received the notice of the next round of garnishments which ended up happening fo r two p ay checks and PCS immediately returned the {$440.00} when I had sent the documents through email. But to find out that I was lied to several times through multiple calls along the lines of " You are not receiving the garnishments back '' from the first full round taken in  XXXX  too " The check was sent out '' and now the result of  XXXX  's lie is there are purchases on my credit card that will become a financial burden because I was lied to which is deceiving behavior.
Complaint sub-issue: Debt was result of identity theft

My identity was stolen which resulted in me having a collection account with Enhancement recovery and I tried to dispute the account and they wouldnt remove it I even agreed to settle the account and they still wont delete even knowing that I was a victim of identity theft
Complaint sub-issue: Attempted to collect wrong amount

I do not know what happened but I don't recognize Jefferson capital systems. I would like information to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have student loans and they were defaulted because of a car wreck I was in. My family and I were   XXXX   XXXX   XXXX   XXXX   XXXX  , resulting in  a death of a family m ember.     Upon getting my life back together, I completed t he rehabilitation     program and pai d 9 consecutive payments on time for 9 mont hs. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are  3 times  as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2020 XXXX  equifax and XXXX deleted XXXX XXXX account XXXX, on XX/XX/XXXX it was re inserted back into my credit report. at no point in time did XXXX XXXX  or equifax notify me within 5  days of the reinserting. under 15, u.s code 1681i - procedure in case of disputed accuracy i was not notified, nor any written statement was sent to me at all. i would like the acccount to be permantly removed. you are in violation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries are being furnished on my consumer report that I did not authorize nor consent too.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
4. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
8. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
9. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
10. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report
Complaint sub-issue: Other problem getting your report or credit score

I have contacted ( called ) EquiFax a few times over a period of a year ( between XXXX and XXXX ). I have set up the account, and the account exists. However, I am still UNABLE to get into my account and unable to secure my credit report or credit score, etc. Each time they said someone from IT will get in touch with me or something like that. I have, each time, successfully identified my identify and yet, no representative from this company was able to resolve my issue unable to access my account!!
Complaint sub-issue: Fraudulent loan

The is an extension to complaint ID - XXXX submitted on XX/XX/XXXX. I had a conversation with Ally Auto they are still referring back to the dealership and the dealership has been extremely uncooperative and disrespectful towards my concerns. I am really at a loss because the dealership continues to run my credit report to finance loans. and now they have me financed under is a XXXX XXXX XXXX and the amount financed was {$24000.00} which is what Ally Auto said to me. I clarified I did not sign for an auto loan for this vehicle and my credit was ran without my consent. I have the contract and it clearly states XXXX XXXX XXXX amount financed was {$35000.00}. I was financed for a XXXX XXXX XXXX XXXX Momentum and upon doing some additional research on the Vehicle Identification Number ( VIN ) XXXX on the XXXX XXXX XXXX XXXX XXXX ( XXXX ) its saying the VIN is incomplete and the XXXX position of the VIN does not match the model and year. I have reached out to the dealership and they have no intention to cancel the loan. I received a credit alert yesterday. XXXX XXXX XXXXXXXX in XXXX Kansas ( auto dealership ) processed another auto loan application without my consent. " Error Text : XXXX - Incomplete VIN ; XXXX - Model Year Warning - Model Year entered for decoding with VIN does not match the model year based on the XXXX position in VIN. ''
Complaint sub-issue: Card opened as result of identity theft or fraud

A Discover Credit Card Acct # XXXX was opened XX/XX/2018 without my knowledge or consent. When I learned about the account, I contacted Discover and told them and was promised they would complete and affidavit of fraud and remove the account within 30 days from my credit files. Discover never sent any documents and then started reporting the account as late payments a few months ago and destroyed my awesome credit score causing a 198 point downward spiral. 

The company did not remove this account despite being told that I suspected that one of the employees at my apartment building, who has since passed away, is who I suspected of having done this, though I was not certain and had no proof.

I have disputed and challenged this debt multiple times, yet Discover continues to report the account and is unwilling to remove an account they know is not mine. All of my credit cards and accounts that I have present perfect payment histories. This account has caused me to have to pay higher interest rates and resulted in one of my accounts to have a credit limit decrease based on my current credit score. 

Please remove this fraudulent account immediately from all of my credit files.
Complaint sub-issue: Problem with the interest rate

I financed a vehicle through BB & T Bank for 72 months and was told by the finance manager that I recieved the lowest possible interest rate due to my credit score and that the warranty I purchased would cover me to 92k miles and then I recieved a letter from warranty company saying that there was an error in contract that I only have coverage to 60k odometer reading. I then complained to BB & T bank and dealership and was told by dealership {$3000.00} refund will apply as payments and BB & T rep failed to tell me that it would not count as a payments until I was already late. I caught up with payments and recieved a letter saying my contract had incorrect APR and was promised that I would have my past due balance recently to be deferred due to hardship and my last payment was mishandled by BBT by inputting incorrect account number causing me to get a fees and issues. I just want these issues resolved due to the errors. Now I'm paying a substantially higher payment due to BBT errors on my contract and aren't honoring my deferred payment plan and mishandling my account with payments, fees and APR. I want my account to be in good standing and hope BB & T will make this right for me.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a response letter from Equifax. 
In the letter they continue to report my in-correct phone number. 

Equifax reports a wrong phone number XXXX. This is not my correct phone number Equifax needs to report my correct number. This is now my XXXX attempt to get them to correct this information. Please delete the incorrect information. 

My correct phone number is XXXX. I kindly and patiently am asking that they stop reporting this wrong information and correct my information. I am enclosing a copy of the letter that they have sent me today and I have circled the incorrect phone number in green.
Complaint sub-issue: Debt is not yours

A collections debt was opened on my credit report XXXX from a debt collection company named Enhanced recovery COXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) phones number ( XXXX ) XXXX. Claiming I owed {$380.00} to XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) But, I have never had either company. I got the debt removed once before from my credit report due to it being a fraudulently attempt from this company to collect money from me. However, it keeps reappearing and disappearing from my report. Causing serious credit damage.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/XXXX I notified CFPB that a company Puget Sound Collections reported a judgement from XX/XX/XXXX on my credit report which is against the law as it was past 7 years, they came back very harassingly and threatening saying they bought it from XXXX XXXX XXXX XXXX XXXX so it was new, and that the judgement could be extended out another 10 years ( there is correspondence from the Washington State Attorney General attached ) Puget Sound Collections sent to XXXX XXXX XXXX XXXX as they said in the attached they can " per their discretion, and said they could report it because they bought/received in XXXX. This is not correct and they are breaking the law. 

This debt is over 8 years old, it can not be reported to credit and can not be collected XXXX see information attached ). This debt as stated was filed on XX/XX/XXXX and there is no legal recourse that the current holder of the debt can do due to the age of the debt. I received the notice dated XX/XX/XXXX from the agency that Puget Sound Collections sent it to XXXX XXXX, XXXX which took two weeks for them to send. XXXX XXXX, XXXX will cease all written communication due to the fact the age of the orginal judgement, and I am on permanent XXXX to which my income is protected. If they do not cease activity I will send copies to the Attorney General for the State of Montana and the Federal Trade Commission. 

The response from XXXX XXXX XXXX will be " we have ceased collection and closed this file in our office '' if not, it will be going to every government agency.
Complaint sub-issue: Information belongs to someone else

I have called in numerous of times and have also mailed in each document I have been asked for. There are unauthorized and unverified inquiries on my credit report that I didnt do