Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I have 17 open accounts with XXXX XXXX that were placed in forbearance as part of the Cares Act back in XXXX of XXXX. Over the course of the past two months my credit scores have plummeted ( in excess of 50 points ) as the information reported to the credit bureaus has been inaccurate - resulting in me no longer qualifying for a mortgage I was pursuing. I have made numerous calls to XXXX in an attempt to get this corrected. During one call I was advised it was a credit bureau issue and to file disputes with all three agencies, which I did and they're still under investigation. During another call I wasn't getting any resolution through the XXXX agent and requested a supervisor. The supervisor advised me of an option to submit a credit dispute directly through XXXX, which has to be done through the mail. During the most recent call with XXXX, the agent began laughing as I was asking a question relative to the latest information being reported by XXXX to the credit bureaus. Below, is a breakdown of the discrepancies from each credit report obtained from Equifax, XXXX, and XXXX  ( PDF also included showing examples ) : XX/XX/XXXX Equifax - Account Status - Closed, Payment Status - Pays Account As Agreed, Comments - Payment Deferred, Payment History - No XXXX Payment History Reported XXXX  - Account Status - Open, Payment Status -Pays As Agreed, Payment History - No Payment History Reported for XXXX XXXX  XXXX Account Status - Open, Payment Status - Current, Was 180 Days Past Due, Comments - Payment Deferred & Account in Forbearance, Payment History - XXXX Payment History Reported XX/XX/XXXX Equifax XXXX Account Status - Closed, Payment Status - Pays Account as Agreed, Comment - Payment Deferred, Payment History - No XXXX Payment History XXXX  XXXX Account Status - Closed, Payment Status -Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XXXX XXXX  - Account Status - Closed, Payment Status - Current, Was 180 Days Past Due, Comment - Payment Deferred, Payment History - XXXX Payment History Reported XX/XX/XXXX Equifax - Account Status - Closed, Payment History - Pays Account As Agreed, Comment - Payment Deferred, Payment History - No XXXX/ XXXX Payment History Reported XXXX  - Account Statue - Closed, Payment Status - Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XXXX, XXXX or XXXX XXXX  - Account Status - Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XXXX and XXXX Payment History Reported XX/XX/XXXX Equifax - Account Status XXXX Open, Payment Status - Pays As Agreed, Payment History - XXXX Payment History Reported, No Payment History For XXXX XXXX  - Account Status XXXX Open, Payment Status - Pays As Agreed, Payment History - XXXX Payment History Reported, No Payment History For XXXX XXXX  - Account Status XXXX Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XXXX and XXXX Payment History Reported
Complaint sub-issue: Can't use card to make purchases

I opened a Citibank thank you premier card in XXXX XXXX. My whole experience with the card has been polluted with numerous instances where my card goes under review, I call up to resolve the situation, then it goes under review once again. Often this secondary review happens within hours after clearing the card. And each time, I have to spend hours on the phone to resolve the situation. This has happened almost weekly for the past XXXX months. When I call them they make promises that theyll call me back within XXXX2 business days. To no ones surprise, that call never comes, and I have to reach out to them again, only to have the same promises made, and the cycle continues. A little more than a week ago, I spoke to a supervisor who assured me that the issues are resolved and that this wont happen again. Foolishly, I believed the supervisor. To his credit, the card didnt go under review again until a week later, the longest time the card had not been under review between reviews. Alas, however, the review came. And after spending XXXX5 hours of phone time ( mostly in hold ) with them today, holding my XXXX so I wouldnt lose service in the bathroom, I am sitting here with promises of a call back that will surely be broken once again. This is beyond frustrating at this point. And I have not even been able to use my card so I may not be able to hit my minimum spend amount required to take advantage of their sign up rewards bonus. Speaking of which, I did not receive my thank you points for the second month of spending until I had to call the thank you points line to have them adjust it. I imagine that this hold is the reason for it. I anticipate that being the case with this month, once again.
Complaint sub-issue: Reporting company used your report improperly

In 2020 LexisNexis submitted a report to the Kansas Department Of Labor in response to an application for assistance. LexisNexis gave them a consumer report for me that had an incorrect social security number. As such I was investigated for fraud and never received my funds and due to staffing shortages I am still in the appeals process two years later because of this report. XXXX actually told me this in a recorded call and gave me their information to call. Upon doing so - again on a recorded line I spoke to someone named XXXX who wouldn't process my request for a consumer report but also screamed at me and called me a " XXXX liar and XXXX never told you to call here '' then hung up. So I called back a few times- each time the same person answered and began playing manipulative games with me. To beat him I called their number from my wife 's phone while I still had him on the line and he somehow was still the same person to pick up while still on a different line with me. 
I have sent multiple requests in writing to receive a copy of my consumer report so that I can correct their information and each time they use a different stall tactic. For instance the first time they sent me a letter stating I had not provided an ID with my request ( there wasn't an option ) and to call them. I did so and then receive a blank piece of paper and a paper with a link and pin. Upon doing so it doesn't work. Meanwhile I have also been declined for checking accounts as well as apartments that have used their service. They have an entire other consumers information mixed with mine and have provided that information to agencies that have in turn reported it to my credit report and after hundreds of hours of trying to get this sorted out they stall me at every turn. My life is completely on hold from any level of actual productive results from my efforts.
Complaint sub-issue: Debt was result of identity theft

Account : XXXX ( XXXX ) My name is XXXX XXXX, and I am a federally protected customer creating a complaint against American Education Services for XXXXommitting identity theft and violating many of the laws set forth in the FCRA. I have never given American Education Services my consent to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that they claim that I owe. Pursuant to 15 USC 1692c ( c ) I am legally refusing to pay this erroneous debt. I am demanding a cease and desist of all illegal activity, any communications or collection activities, and any alleged debts until AES can provide me with sufficient documentary evidence that there is any legal obligation to pay them. If the required evidence can not be produced and AES chooses to continue it's collections efforts, I will file for litigation for actual damages caused and AES will be help criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein and of this notice, you are notified pursuant to UCC 1-202f. Your immediate attention is both required and requested.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

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 Had violated my rights. 

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 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records convictions of crimes which antedates the e report by more than seven years. 

15 usc 1681s-2 ( A ) ( 1 ) 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: Problem accessing account

Discover Bank has had a rash of fraud on their accounts. I got an email on XXXX XX/XX/XXXX, about an authorized activity on my account. I did not click on the email, but went to the website and tried to log in. It was locked and told me to contact their fraud department. When I called it said the wait would be over XXXX hour. I sat on hold for XXXX hour and XXXX minutes and had to hang up because I was at the doctors. For the last few days I have been calling trying to get a person to no prevail. After XXXX hours on hold their phone system hangs up on you. Their customer service refuses to help you and tells you there is nothing they can do. 
XX/XX/XXXX XXXX hour XXXX minutes- had to hang up XXXX seconds- said the wait was over XXXX hours XXXX hours XXXX minutes - system hung up XXXX minutes - system hung up XXXX minutes - system hung up XXXX minutes - system hung up XX/XX/XXXX XXXX minutes- said the wait was over XXXX hours- had to hang up XX/XX/XXXX XXXX minutes- said the wait was over XXXX hours XX/XX/XXXX XXXX hours XXXX minutes - system hung up They have frozen my funds with absolutely no way to contact a human to assist me. Their customer services answer is we know about the problem and are working on fixing it, but you just have to keep calling until you get to a person. They will not help you, they flat up refuse to let you speak to a supervisor. If i needed these funds for any reason i would have no way to access my money.
Complaint sub-issue: Account information incorrect

XXXX  credit card reporting incorrect information on credit report. Reporting debt owed is XXXX. 2017 income tax XXXX form sent with cancellation of debt balance {$1600.00}. Company is still reporting an incorrect balance. Debt has been filed on incmoe tax and penalty cost have been added to taxes, filed on my behalf as additional 2017 income. Please have company update all credit bureaus with accurate information immediately. Thank you in advance.
Complaint sub-issue: Reporting company used your report improperly

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 

-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Complaint sub-issue: Attempted to collect wrong amount

I received numerous letters and phone calls from this collection agency over the course of years. I did not recognize the debt however in order to rid myself of the problem, when I received a letter that was an offer of settlement for an amount that I could afford, I sent in the payment. I 've since learned that this debt is barred by the Statute of Limitations and not even on my credit any longer! Instead of receiving a letter acknowledging the debt payoff, I received another bill for the balance! I wrote on the back of the check and on the return stub ( see attached ) that it was an accord and satisfaction. I hope this will stop them from trying to revive the debt. Outrageous!
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

I need help enforcing the Fair Credit Reporting Act, the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN consent. Federal law overrides any company policy, Pursuant to consumer law 15 USC 1681b-permissible purpose. This company is listed on my consumer credit report several times. I want them removed from all 3 credit reporting bureaus. I have filed an FTC complaint # XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft.
Complaint sub-issue: Frequent or repeated calls

Hewitt Capital LLC Has been contacting other people after have they have been already in contact with me. Disclosing my personal information about my loan to other contacts. Repeatedly calling my ex boyfriend with phone calls and my step father.
Complaint sub-issue: Problem getting your free annual credit report

I am having a problem getting my free annual credit report from XXXX XXXX, Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ) I am entitled to XXXX free credit report annually. Furthermore, I want XXXX XXXX, Equifax and XXXX to release my credit report to all lenders, creditors, banks and credit unions.
Complaint sub-issue: Frequent or repeated calls

I have a credit card account with Best Buy Credit Services. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( XXXX XXXX XXXX ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH Citibank ( Best Buy ) and XXXX. Despite my attempts to make payment, Citibank wo n't take a payment and refers me to XXXX. Furthermore, XXXX indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is Best Buy billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is Best Buy still billing me? Why is XXXX indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). XXXX has also advised that interest and late charges can still accrue, which suggests that Best Buy has not passed they debt. Please help.
Complaint sub-issue: Threatened or suggested your credit would be damaged

A month or two ago, I started getting letters from a company ( XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ) telling me that they were trying to collect a {$74.00} debt owed to " XXXX XXXX XXXX XXXX XXXX '' and that I better pay or they were going to make reports to credit bureaus. I wrote them back, telling them that I don't owe any amount to, and have never done business with, XXXX XXXX. A web search told me that this electric company is in Massachusetts ; I do not even live in Massachusetts and have certainly never done business with XXXX XXXX. XXXX XXXX just keeps sending letters. Maybe they are trying to scam lots of people.
Complaint sub-issue: Problem with personal statement of dispute

My credit report shows a negative collection/chargeoff from discoverbank.This account was paid and closed on XX/XX/XXXX. The full balance was paid. Discover still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2020, There was an account opened with XXXX XXXX XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Complaint sub-issue: Trouble using the card to spend money in a store or online

XXXX locked my card and will not unlock it advising me that I need to send in proof of who I am when I have already done that with the local government! Who do they think they are to lock someones money up its been a month Ive sent in information and still my card is locked. My card has thousands of dollars on it!
Complaint sub-issue: Frequent or repeated calls

My personal phone, and the personal phone of my son are being harassed by call centers that I'm assuming to be associated with Nelnet or XXXX. The person that they are calling and inquiring about is my son-in-law. I, nor do my son have any responsibility to this person 's debt, and all of the payments for any of my children 's debt that I have co-signed for are fully up to date. I don't understand how my son would be harassed by these tactics nor do I understand how they would associate him with my son in law without cross-referencing them through different accounts that we are associated with.
Complaint sub-issue: Debt is not mine

This account does not belong to me. Have made several attempts to have this removed. At the time of debt I was underage to have even entered into contract. I was told that I was XXXX and could give verbal consent for someone to open a account in my name
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXXXXXX - account # XXXX XXXXXXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX XXXX account # XXXX 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 a account with out my written instructions
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/2018 I received a call from an English speaking woman from Sears Mastercard fraud unit. She stated that suspicious activity was noticed and asked did I make charges in the amount of {$850.00} in Massachusetts at a XXXX XXXX XXXX XXXX and at a donut shop. I told her I live in XXXX XXXX and have never been to Massachusetts and never made the charges to my account. She said she would remove the charges and reissue me a new credit card and my account would not be charged. Today, XX/XX/XXXX I received a letter stating they had received a receipt and that they were rebilling my account and closing out their case. I signed the letter stating I did not make the charges and faxed back to them. I have talked to them several time on phone and I do not get anyone who speak good English. I did not make the charges and the receipt the store sent does not have my signature or name or anything just the last four digits of the card. Sears Fraud Unit is giving me the run around and I do not feel they have investigated. They have just rebilled me. What do I do next. I do not think they are doing this legally and I always pay my bills on time. I have always paid my Sears out in one or two months. If I had made a purchase I would have paid for it. It looks like someone purchased 3 gift cards and how can someone use a credit number and no card at a donut shop. They have been very rude on the phone and there is a great communication problem. I believe a new company must be taking over Sears accounts because this has not happened to me before. Do I contact Attorney General, get a lawyer and start a class action suit? I do not believe they are going by the law. It seems Sears is closing and they must be selling all their accounts to a foreign company. They do not understand English and many have been inpatient and rude and they don't seem to know what is going on.
Complaint sub-issue: Information belongs to someone else

I am interested in disputing all inaccuracies on my Equifax credit report.
Complaint sub-issue: Problem during payment process

I received a random charge on my account in XXXX. In XXXX, I received a notice in the mail of late payment and logged in promptly to pay. I paid the bill in full in the amount of XXXX online. I did not receive any more mail from SST, nor did I receive another late payment notice. Yet on XXXX was reported late to the credit bureau. When I called customer services, was told that the payment did not go through for some reason. They also indicated that they tried to reach me via phone, but did not have the right phone number. In all other cases they have sent me mail, but in this case they did not. I feel like they intentionally did not try to reach me or do their due diligence to reach me. When I saw the alert on my credit report, I immediately logged into their website and paid in full.

I would note that this card has a XXXX  balance, and has been fully paid for over a year. The charge that was made in XXXX was a random fee, and not initiated by me. Both in XXXX and in XXXX I have again paid the balance in full but was still reported as 30 days late to the credit bureaus. 

I would also add that their online process for payments is confusing. You must press Yes I want to make a payment 4x and press submit and then press submit over and over again. I believe that they have configured this intentionally, so that people will not make the payments. They also do not offer an automatic payment process. 

Yet, again I have been reported as late for a charge I did not initiate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.