Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

Soon after getting the card, I lost my job. So i did indeed miss payments as well as had a returned payment but I called and notified the company at all times and even when each payment was due, they said it would be ok as long as I make a payment as soon as possible ... which I did. Ever since I gained employment again I have been making payments on time as well as paying well above the minimum payment ( to avoid the card being closed as I am trying to fix my credit ). I called XX/XX/2019 at XXXX and spoke with XXXX from South Dakota ( she was not willing to give me any other information ). She was rude and condescending.. had me on hold for 30 mins and came back to the line and said I would have to call back tomorrow. I called back XX/XX/2019 and spoke with XXXX in KY from team 5 ( she would not give anymore information ) and my account was closed and she said there was nothing she could do! Apparently this company is in the business of taking peoples money and then closing their accounts! Ive never heard of such a thing. Especially for a customer that is trying to do the right thing. I feel as if I am being punished for trying to be a good customer, which is unacceptable. If they were going to close the account, they should have did it when I was MISSING my payments, not MAKING THEM! On XX/XX/2019 two payments were taken out of my account, one for {$150.00} and one for {$250.00}. Not only did they not make the funds available but they then proceeded to close the account, which is mind baffling to me. When I called to ask for explanations I just kept getting transferred finally for someone to claim there was nothing they can do. I WILL NOT RECOMMEND THIS COMPANY TO ANYBODY AND I WILL BE FILING A COMPLAINT WITH THE XXXX XXXX XXXX!
Complaint sub-issue: Account status incorrect

I use XXXX XXXX to get my credit reports through, and my Equifax report showed that I had 3 payments NOT received this month for XXXX XXXX. I am a XXXX XXXX. ( XX/XX/19 called ALL DAY waiting for call backs ) ) and I am on XXXX ( Mental health XXXX etc. ) and my XXXX XXXX payments are paid monthly out of my check BEFORE I receive it. ( AUTOMATIC ) I contacted Child support and they said that they've received this months payments and I am NOT behind in any way on payments. They suggested I file a complaint through the reporting agencies web site and try to resolve it. 
I attempted to do this through Equifax, but for some reason, after looking up all the info online to verify my identity ( Security questions / Highly sensitive questions about balances etc. / personal information, and more information than I can even REMEMBER ) ) They wanted me to send them a copy of my birth certificate and drivers license. 

I checked TODAY on whether my data was breached through Equifax ( Recent judgment against them for security breach ) and found that my information WAS breached, so I filed for compensation and successfully completed that process. FUNNY how someone was able to get my information so easily, yet I can't even get through the front door of this company to just correct missed payment status on my report??? 

I called them 4 times, and each time I got the same run around, and asked for a supervisor after the 3rd time, and I still got the same exact questions ( Verbatim ) from what they tried to say was a SUPERVISOR : ( : (
Complaint sub-issue: Account status incorrect

I have sent several disputes to each on of the credit bureaus : XXXX, XXXX  & Equifax and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Complaint sub-issue: Can't temporarily delay making payments

On XXXX XXXX, XXXX XXXX XXXX was hit by hurricane XXXX. The entire island was declared a major disaster area by FEMA. On XXXX XXXX, I followed the instructions on the XXXX website to request disaster forbearance. The instructions said to send an email with information about the disaster and how your work or home were affected. I did that. I received an email from XXXX acknowledging they received my message. I received no reply so on XXXX XXXX, I emailed XXXX again asking about the status of my forbearance request. I received no reply. I also got an email from XXXX acknowledging receipt of my email on XXXX XXXX. On XXXX XXXX, I contacted XXXX through their chat system. The representative I spoke to said that they never received a disaster forbearance request for my account even though I had sent two emails to that effect. I put the request through again over the chat. Allegedly, it will take 7 to 10 business days even though at this point my payment is due in 2 days. XXXX is not addressing disaster forbearance requests for XXXX XXXX after hurricane XXXX. This is unconscionable.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It has come to my attention that DT CREDIT has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT CREDIT Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that DT CREDIT takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights The credit bureaus received letters asking them to verify the debt on my report. They answered back stating that everything is verified correctly. My credit report is still showing inaccuracies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, XXXX XXXX XXXX  added a derogatory mark on my credit report per Equifax. I never in my life had an account with XXXX. In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. In XXXX, I was a resident at XXXX XXXX XXXX XXXX XXXX, GA XXXX. According to the FCRA, XXXX XXXX XXXXXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

Please terminate collection efforts, and remove and notify all credit bureaus such as XXXX, Equifax, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt. 

I also never in XXXX, TX at XXXX XXXX. This is a fraud account.
Complaint sub-issue: Frequent or repeated calls

XX/XX/17 - called my cell phone one time. ( I did not answer ) XX/XX/17 - called my work line 7 times ( between XXXX-and XXXX ) in a row after I politely told them to please stop calling that number. Then the lady proceeded to threaten that the next call would be to my manager.
Complaint sub-issue: Account status incorrect

Previous CFPB # XXXX AES sent a letter that stated that the late pays would be removed from my account. I have been receiving credit agency emails stating that my account has been corrected. After contacting the agencies they state balance has been updated and late fees removed but XXXX late pay in XXXX is still showing on report. I 'm in the process of obtaining a XXXX loan on my home and this is causing an issue with the rate due to damage to my XXXX XXXX. 

I 'm confused on why the reporting agencies are permitted to add derogatory info to accounts without first alerting the consumer? It took them XXXX day to ruin my perfect credit and its going to take XXXX days to repair after fighting with AES for XXXX months. 

Can this dispute also be sent to all XXXX credit report agencies? I will gladly complete XXXX more disputes is this is what it takes for them to correct this issue. 

Thank you so much!!!
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX I was told my loan will go into deferment so I wasnt going to have to pay anything for XX/XX/XXXX as I look at my credit report I see I have 2 late payments on my credit report from XX/XX/XXXX and XX/XX/XXXX before my loan actually went into deferment in XX/XX/XXXX I feel like if I wasnt told that it will go into deferment I would have continue to pay as much as I could on my loan until it actually went into deferment
Complaint sub-issue: Account status incorrect

This company had inquiries on my report as a result of identity theft. They deleted these inquiries after receiving my FTC report. Prior to this matter this impaired my creditworthiness, which caused XXXX. Their action of deleting inaccurate reporting on my credit report is admission of liability. This company has a grave responsibility to report accurate information on a consumers report, which they have not done so.
Complaint sub-issue: Debt is not mine

There is an XXXX XXXX XXXX debt collection for {$550.00}. The debt is from a home I lived in with my parents when I was in high school. I have the same first and last name as my father. There must have been a mix up with tagging me with a collection that was intended for him. I never put any XXXX XXXX XXXX service under my name ever and especially not as an XXXX year old kid. 

If the company would logically look at the dates of the collection it makes no sense that it could be my debt. As I spoke to the collections agent he explained the debt was from XX/XX/XXXX. This was only a month after my XXXX birthday ( XX/XX/XXXX ). Even if I did open up XXXX XXXX XXXX cable service as an XXXX year old, there is no logical way that this much debt could have taken place in such a short time. 

It is a shame that such a simple mix up of XXXX " XXXX XXXX '' living under the same address, could be causing me so much credit pain. I have never had cable service with XXXX XXXX XXXX and this collection is being falsely charged under my name.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Called creditor also called XXXX  Credit Reporting company without any success.I have over 30 something inquiries that I didn't not authorized from
Complaint sub-issue: Problem getting my free annual report

I am currently an XXXX living in XXXX on a temporary basis. I have tried to get my free annual credit reports but can no longer get them on the website. I contacted the credit agencies and was told that they will not give me my credit reports unless I have an address in the U.S. Since I am XXXX, I do not have a current mailing address in the U.S. We are U.S. citizens, my husband works for a U.S. company, we are paid in the U.S. , pay taxes in the U.S. and have bank accounts in the U.S. We should be able to get a copy of our credit reports to make sure there has been no fraudulent activity. I would like some assistance in this matter, please.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my

Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report
and other furnished Lexis Nexis, XXXX XXXX, XXXX inquiries regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also, future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Oh XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I need Lexis Nexis,  XXXX, and XXXX XXXX to OPT OUT my name and information from all their products and remove the inaccurate information. I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Complaint sub-issue: Attempted to collect wrong amount

I received an email that a dispute I filed yesterday with Equifax was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. 
I initiated a live chat on Equifax website and the agents response was to call Consumer Service Department. I informed her I was XXXX and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call. This is not an option for me.

She then gave an email address that is invalid. I attempted to live chat with several more agents on Equifax website, all of which chats I have saved. Several told me there were no existing emails for customer support and two agents gave me different email address with which to correspond through. I believe both are invalid and fear I may have inadvertantly sent information to an unsecure email address.

I simply wished to know why two of the three derogatory remarks are duplicated with the same amount. I have never received a bill from them and would like to know their account numbers so that I can verify that they are valid and know what account to pay. Even the collection agency listed on my report does not have an existing account number for which they are trying to collect. Any help would be greatly appreciated. Thank you.
Complaint sub-issue: Deposits and withdrawals

I need help paying my phones bills and school bills even I got laid off in XXXX in my job because I struggle to save my money.
Complaint sub-issue: Debt was paid

Company filed a wage garnishment through XXXX XXXX ( Nebraska ) in XX/XX/XXXX. The garnishment was paid put of my pay check between XX/XX/XXXX and XX/XX/XXXX. Company is still sending letters calling daily some times XXXX a day. I contacted Company and told them several times this was paid with wage garnishment. Will not listen and trying to threaten me with another wage garnishment for something that was already paid. They refuse to look in their records or do any research and claim its my responsibility to correct their lost paperwork.
Complaint sub-issue: Personal information

Never lived at XXXX XXXX XXXX my XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed the items with the bureaus on XX/XX/2022 but the bureaus did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX
Complaint sub-issue: Debt was result of identity theft

In XX/XX/XXXX, My discover credit card ends in XXXX was stolen then used for 300+ fraud transactions in two months. Throughout the time, Discover never sent a fraud alert about any of these fraud transactions. Since I enrolled in autopay, I paid two statements for {$5100.00} in total In XX/XX/XXXX after I found my credit card is stolen, I called Discover to report the fraud. I also called police to initiate the case with a police report. 

In XX/XX/XXXX, I was contacted by Police that they found the criminal who stole my credit card and police report is completed. 

In XX/XX/XXXX, I was contacted by District Attorney that a court case is initiated. 

In XX/XX/XXXX, I was contacted by District Attorney that the court has determined the criminal guilty. I was sent a completed police report with all the evidence including video footage, receipts showing the fraud. 

In XX/XX/XXXX, I was contacted by District Attorney that the criminal plead guilty. 

Throughout the timeline, I've contacted Discover for more than 20+ times updating the case and sent all possible documents including police report, court notice, District Attorney contacts, Police officer 's contact. Yet every time Discover still concluded that there is no fraud on my account and the investigation was closed. Several reasons they provided me : 1. Not enough information to determine the fraud. 
2. Discover isn't responsible for the fraud. I should pursuit my money with the court and the criminal by myself. 

One thing needs to be highlighted is that in XX/XX/XXXX, I was contacted by a manager in Discover customer protection department called XXXX. XXXX rudely accused me of continuously disturbing their work by calling their department frequently. When called about why the investigation is closed and why it's determined no fraud, XXXX refused to provide any reasons and tell me to resolve it myself. XXXX hanged the phone without notice after.
Complaint sub-issue: Received bad information about your loan

I attended XXXX XXXX XXXX  from XXXX. My son, XXXX XXXX attended XXXX XXXX from XXXX. He was offered a XXXX scholarship to attend. In XXXX, I made a direct payment for the cost of the additional amount due after the Scholarship and grants were applied. In XXXX, I agreed to accept responsibility for a parent plus loan in the amount {$8200.00} after the Scholarship and grants were applied. In XXXX, XXXX was living off campus, no longer in the dormitory or on the meal plan and the Scholarship and grants were applied. In XXXX, my husband offered his GI Bill Benefits for the remainder of XXXX 's educational tenure and therefore, all expenses in excess of the Scholarship and grants were paid for by the VA program. I can see where several loans are listed more than once and then all rolled into a consolidation loan. Since XXXX, I have called and written countless times to the XXXX XXXX and had discussions with FSA and Fedloan Servicing. I have just spoken to XXXX XXXX at XXXX XXXX XXXX  in the financial aid office. She confirmed that the loans I have received for my education and the parent plus loan for my son total about {$40000.00}. She is unable to see the same amounts that the Fedloan website indicates. She also said their office is required by law to submit all documentation loan agreements charged against me. I have asked their office in the past for these and was instructed to contact the university. The debt charged against me is over {$160000.00} with interest at this point. I am giving this XXXX last effort to resolve the amount I owe in Parent Plus Student Loans before seeking legal advice and taking action against FedLoan Servicing for fraudulent student aid practices.
Complaint sub-issue: Their investigation did not fix an error on your report

My Equifax and XXXX credit score dropped XXXX to XXXX points without proper explanation. The information given on my credit scoring is conflicting information. I disputed my credit report on XX/XX/2022 and Equifax closed the dispute on XX/XX/2022. Wow they really did a thorough investigation in less than 24 hours? I have submitted several complaints about the discrimination and violations in which I have received from Equifax per my credit report. I will be also making another complaint to the FTC. Its time to seek legal actions.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX, I submitted complaint ID XXXX because my mortgage was not being reflected on my credit report. The mortgagor stated that they submitted the correct information to the three credit bureaus. To date, the three credit bureaus are not reflecting my mortgage account. The mortgage account with the previous bank, XXXX XXXX XXXX is not reflected on my credit report, neither is any information from the new mortgage company. 

Additionally, when the account was transferred in XX/XX/XXXX, the credit bureaus closed the mortgage account and dropped my XXXX XXXX 114 points. The old account does not show as a closed account. They are not reflecting the new mortgage. Also, my XXXX XXXX credit card was upgraded to an XXXX XXXX card in XX/XX/XXXX. Instead of transferring the balance, the credit bureaus closed the XXXX XXXX account, dropped my score 41 points and then added the XXXX account. 

In my opinion, the credit bureaus are inaccurately reporting data and manipulating credit scores to sell credit cards, loans, etc.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # XXXX CONTACT # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX : Creditor : XXXX XXXX XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX EQUIFAX : Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX. XXXX XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Creditor : XXXX XXXX # XXXX XXXX