Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

Suddenly today, XX/XX/2020, I had a hit to my credit report from a company for XXXX. The company is Jefferson Capital. I have never heard of them and never received a call or email or US mailing about this. I have no idea how to contact them. It states its from a previous phone account that discharged several years ago. I had no idea it could suddenly be owned by someone else and reported randomly without contacting me at all.
Complaint sub-issue: Account status

I have never paid late for my XXXX card, but EQUIFAX will not remove a negative mark on my old credit card, even after sending them proof that XXXX agrees. 

Equifax customer service is unreachable and there credit reporting system is flawed. I have filed multiple disputes to Equifax with no avail. 

Equifax has been a horrible experience for their credit reporting.
Complaint sub-issue: Personal information incorrect

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2017 a charge of {$430.00} was made on my Citibank/ Sears Card , this was not my transaction.

I have tried to resolve the transaction with the issuer of my card, and even though is it quite clear that the signature for the transaction is not my signature, Citibank/ Sears Card are refusing to refund my credit card the fraudulent charge.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Complaint sub-issue: Company closed your account

hello i had a citi bank personal account for XXXX years no problem working with them. i have a small business due to covid i applied for SBA loan with all my documents social and taxes i was aproved for the loan. they deposit my funds into my citi bank account in XX/XX/2021 XXXX dollars next day the bank froze my account ask me for proof of my business and for the loan which i totally understood next day i went to the bank with all my documents and fax all the documents to the fraud department from the bank. literally 2 hours later after citi bank fraud department received my business documentation and approved everything told me i was totally gave me access again to my funds with no problem. after that one month later sba approved my business for more money another loan of XXXX dollars same documents same bank same business after a weekk of receiving the money the second time citi bank called and ask me for the documents again which i thought will be like the first time. i went next day to the branch and summitted all the documents again but this time they didnt re open my account or gave me an explanation why for the next 4 months after the second loan my acccount and all my money funds were frozen i had no way to pay rent my car or my business citi bank never gave me a reason on why this time they closed my account for so many months their customer service its the worst CLOSING THE PHONE on me like i was some type of criminals and not giving reasons on what happened. 4 and a half months later i callled one more time which this time i was told my account was totally closed finally they answered me something i ask them to send the funds back to the sba. the loan money after 2 months of my account being closed has not being sent back to the sba loan office they refuse to answer on when this will happen or to tell me the reason why my accont was closed when the first loan they had no problem reopening my account. 



my account number on citi bank was XXXX routing number XXXX name on the account XXXX XXXX phone number XXXX sba loan number application # XXXX i have all my taxes and documents for my business. thanks for the help. 
email XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I have spent countless hours on hold with Fed Loan servicing trying to achieve the student loan forgiveness I am entitled to under the new XXXX waiver. My employment history has been verified with 13 plus years of public service. I have never missed a payment on my loans during that time, however a large chunk of payments from 2011 are missing from my records! This is exceedingly frustrating that nobody can help me. I am put on hold time after time and given no explanation for a solution. I am losing faith that I will ever receive the relief I was promised. Please help me.
Complaint sub-issue: Information belongs to someone else

My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a jr., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the Equifax data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$900.00} 4. XXXX XXXX XXXX {$4600.00} 5. XXXX XXXX XXXX 6. XXXX XXXX XXXXt 7. XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I filed a dispute with Equifax on behalf of number of inquires that have appeared on my credit report, I have sent out dispute to the company 's as listed and some have came back as not deliverable, Equifax responded with verified but didn't disclose how or what was used to verified with, confirmation # XXXX under 15 us code ss 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to  whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to  review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. 
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the  consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and
Complaint sub-issue: Information belongs to someone else

These are not my accounts, and I did not authorize these credit inquiries.
Complaint sub-issue: Account information incorrect

XXXX XXXX OPENED XX/XX/XXXX Collection/ChargeOFF ok XX/XX/XXXX Accounts closed by credit grantor XX/XX/XXXX STILL SHOWING BALANCE DUE DISPUTED AT LEAST 4 TIMES
Complaint sub-issue: Information belongs to someone else

fraudulent accounts and inquiries were attributed to my credit file that I have No knowledge of, nor have I benefited from
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for a Discover Credit Card on XX/XX/2020. I had received two invitations from Discover within the past 30 days before I applied for the card, both invitations stating : 0 % Intro APR on Purchases and Balance Transfers for 14 months After your Into APR ends your standard variable purchase APR applies, currently 15.99 % -18.99 %. 

I checked my credit scores with XXXX XXXX on XX/XX/2020 and they were above 700. 

since they were above 700, I decided to apply for the card. 

I get the card, it comes with the 0 % Intro APR on Purchases and Balance Transfers for 14 months but it comes with an interest rate of 20.99 % Also, the card comes with a page stating my credit score is XXXX. 

I call Discover card on XX/XX/XXXX. I explain the problem and they tell me that the invitation interest rate is not set in stone and the interest rate is based on my credit score.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Complaint sub-issue: Investigation took more than 30 days

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Threatened or suggested your credit would be damaged

1 ) On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
refused to code it for the insurance company as a XXXX XXXX XXXX XXXX  I made multiple attempts to have him change the coding, but instead he sent me to the credit agency for collection. I made it clear to both XXXX XXXX and ICS systems credit agency that the billed amount was in dispute because of the improper coding. Nevertheless ICS kept hounding for the money. I send them a check for an amount that I thought was appropriate with a restrictive endorsement stating that endorsement constitutes a satisfaction of the disputed amount. I consulted a lawyer in XXXX who indicated that the restrictive endorsement should satisfy the debt.

2 ) In summary ICS has harassed me and damaged my credit over an amount that is in dispute. I sent a check with a restrictive endorsement that they cashed and they continue to pursue for the balance.
Complaint sub-issue: Debt was paid

Premier Credit, a debt collector for the Indiana Department of Revenue, was tasked with collecting a tax warrant in the amount of {$4700.00}. They garnished my wages and received all but {$900.00} the amount owed. Even though they had confirmation from my employer that they would honor the garnishment order, Premier Credit proceeded to levy my bank account for the full {$4700.00}, as if the garnishment order had not been made and received -- which my bank immediately transmitted to them by cashier 's check, without prior notice to me.. Premier admits it overcollected, having received almost XXXX the {$4700.00} owed,, but refuses to refund the difference to me or my bank. They said the large overpayment, though recognized as such, will be submitted to the Indiana Department of Taxation, even though the Department only authorized them to collect {$4700.00}. A debt collector can not legally charge and retain from a debtor, more than its creditor is owed, yet that is exactly what Premier Credit has done. This is oppressive and unlawful conduct, in violation of the Fair Debt Collections Practices Act, but Premier 's policy is NEVER to refunds collected in excess of legal authority and to remit all such overpayments to the Department, to the detriment of taxpayers across Indiana.
Complaint sub-issue: Reporting company used your report improperly

My personal information was leaked by Equifax, and I now have to lock everything down and for the rest of my life my SS # and all my financial information will be in unknown hands.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax remove reporting that capital is reporting pays on time but removed 66 points from my eqifax profile with XXXX XXXX. Theses practices are fraudulent and must stop. If Iam on time why Iam Iam I losing points One part of the report says Iam doing good then the other says I missed a report. It's confusing and my score she not be affected by equifax or XXXX XXXX inaccuracies.
Complaint sub-issue: No notice of investigation status/result

CB deleted account for XXXX on XXXX XXXX and the account was added back in XX/XX/XXXX2016. Equifax failed to validate the debt in 30 days and continues to allow the company to report to my credit at their leisure without validating said debt. I have sent letters to both Equifax and XXXX to resolve debt and have it removed to no avail. Equifax continues to violate my consumer rights by allowing this company to place unverified information on my report.
Complaint sub-issue: Problem during payment process

I have a credit card with Discover Financial Services. I sent an email on XX/XX/2021 to Discover Financial Services Executive Offices. That email requested a Check/Voucher for Exemption be sent to me in the mail or attached to my billing statement that would allow me to discharge my debt. Discover sent me mail containing a letter on XX/XX/2021 stating that they were closing my account and included all of my credit card statement history, but the Check/Voucher for Exemption was not included. 

I would still like Discover Financial Services to send me a Check/Voucher for Exemption. Discover is allowed to access my pre-paid credit at the Federal Reserve and I will be allowed to discharge my debt at the Federal Reserve with the Check/Voucher for Exemption. Discover Financial Service fails to follow the Commercial Administration Laws under Federal Title 15 that apply to their corporation.
Complaint sub-issue: Problem with statement of dispute

I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that they are currently listing the account as 120+ past due when that is not true. The accounts have been closed for years so how can it be currently past due if they were transferred/sold years ago?. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Complaint sub-issue: Debt is not mine

XXXX XXXX XXXX XXXX XXXX billed me for balance not covered by insurance for ER services rendered to my minor daughter on XXXX/XXXX/XXXX after her father, the insured, refused to pay. Prior to treatment, admissions clerk had me sign a computer pad & explained that it was permission to treat & bill insurance. Provided father 's info during services rendered & clerk said he would be billed as responsible party. No copy of the signed document was provided to me. Within 1 day of receiving balance notice reassigned to me, I paid XXXX of bill and provided hospital with copy of signed XXXX XXXX stating that father is responsible for equal share of uninsured medical bills & his complete contact info to pursue payment. Instead of responding to my dispute XXXX XXXX XXXX XXXX sent me a XXXX bill for 50 % balance. I initiated over 10 phone calls to dispute and assist in providing father 's current information to collect, but instead of attempting to contact court ordered responsible party for payment, hospital assigned XXXX ( XXXX ) to collect against me. 

Per court order supplied to XXXX XXXX XXXX XXXX XXXX collection agency on multiple occasions, I paid my responsible 50 % of medical expense on XXXX/XXXX/XXXX, included complete contact info for other legally, responsible party & biological father, XXXX XXXX and disputed remaining collection. 

After filing previous FTC complaint # XXXX, I received notification on XXXX/XXXX/XXXX from XXXX that debt had been cancelled. 

On XXXX/XXXX/XXXX, I received collection letter from new agency, Progressive Management Systems for same debt. 

XXXX XXXX XXXX XXXX has been provided, on multiple occasions, supporting documents & complete information for responsible party, but continues to re-assign new collection agencies to pursue me.