Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

I was charged {$100.00} on my checking account for no reason. I have call them several times and they give me different answers but they dont resolve anything. Supposedly I was charged from the credit card department to pay for my credit card but that payment isnt reflected in my credit card record. I have talked with both departments checking account and credit card and they dont resolve anything.
Complaint sub-issue: Having problems with customer service

On XXXX XXXX XXXX I was fortunate enough to close on a loan to consolidate home mortgages and my student loan into XXXX payment at a reasonable interest rate. 

The problem is the school loan payoff went to the wrong address within the same organization. The check was cashed by the XXXX XXXX XXXX, XXXX but can not be transferred to the Nelnet address. I have been told that a check will be reissued and sent back to the sender in this case the law office that issued it in XXXX 6 weeks. In the mean time since this all started I still will be responsible for interest at {$10.00} a day. I put the loan into forbearance status to protect myself from monthly payments and late fees. They are claiming that it was not their mistake and my statements for over a year have had the address on it. I stated that I 've been trying for over years to figure out how to pay off these loans and I have an email from XXXX that I asked for a payoff amount and the payoff address was the XXXX address. When I was trying again this current year and pulled a payoff statement online there was no noted payoff address so I had this address in my file so gave it to the law office to send pay off into. 
I can not believe that NelnetXXXX does not have a means to transfer funds for a close out payment. I would like not to have to pay the interest and for this organization to work reasonably with me in completing this final transaction. 
On XXXX XXXX I received a letter from Nelnet stating the loan was paid but a balance remained not true I called same story as above.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Contacted you after you asked them to stop

I received a telephone call on a company phone number from a XXXX XXXX @ RAB  http : //rabtx.com/XXXX XXXX. XXXX called stating that an account was placed with his firm for collection. I informed XXXX that the number he was calling was not associated with this debt and asked him to not call again. XXXX then began to tell me that my name was the individual that had ordered the service that was in collection. I was an employee of that company at that time - not an XXXX  - not a financially responsible individual. XXXX then began to repeatedly call three different phone lines that I personally have. One call I answered he shouted that he would contact my husband ( and told me his name ), my son ( told me his name ) and daugther in law ( told me her name ). He then began to scream at me over the phone ~ loud enough that other employees could hear him and are willing testify to the emotional turmoil it caused me. I hung up and he called back and spouted off my SSN, & home address and proceeded to tell me that he would show up at my home to collect the money. This individual is now spoofing numbers and calling my number showing up like my boss and calls from them showing up on his phone as me. This has been harassment like I have never experienced before. 

PLEASE KNOW THAT I AM NOT THE RESPONSIBLE FOR THIS DEBT, HOWEVER, I DID FILL OUT THE INFO ON THE LAST PAGE AND CHECKED " JUST ME ''
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the same personal information that is breached in order to verify my identity and approve a change.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Information belongs to someone else

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had 3 credit cards with Citibank and all 3 were compromised. Since XXXX I have been trying to resolve an identity/fraud issue with them. There were over {$8000.00} of transactions that were charged to me but not made by me. After several months Citibank completed their investigation and determined the credit card charges were fraudulent. 
However, there was also a bank account that had been opened in my name using my social security number in Florida. Monies was transferred from this card ending in XXXX to a Citibank checking account. I have NEVER had a checking account with Citibank and I have NEVER lived in Florida. I have tried to have this disputed through the bureaus and Citibank will not honor the dispute, I received a letter XX/XX/XXXX saying they needed more information. THEY HAVE ALL THE INFORMATION!!! I have brought this issue up to Citibank 's executive response unit and was told that iiiiii have to call some other department and have them reverse the charges and credit my account, HOW?!?! On an account that no longer exist and has been closed. They gave me a number to call and no one can assist me. I get transferred multiple times back and forth to different departments spending HOURS on the phone with no resolution. I AM TIRED, FRUSTRATED, and FURIOUS. Their last email received XX/XX/XXXX ended with them saying they will no longer respond to inquiries regarding this matter. WHATTTT?!?!?! Meanwhile my credit score is taking a devastating hit. I need a serious intervention and hope you can assist me.
Complaint sub-issue: Debt is not yours

There is a collection agency mark on my credit for an unpaid medical copayment. The medical payment should have been sent to my health  insurance and billed to me or notified me or collected payment at time of services rendered for copay as shown on my insurance card. My health insurance is XXXX XXXX XXXX XXXX ID : XXXX. 

This is in relation to an emergency room visit that took place in XXXX. 

For clarification, this company did not contact me - I noticed it on my credit report while checking it.
Complaint sub-issue: Funds not received from closed account

Called Popular Bank on XX/XX/XXXX regarding maturing {$250000.00} 24 month CD due date XX/XX/XXXX ( originally tried calling in 7 days prior but unlike with other banks I have had CDs with was told their [ 'sticky fingers ' ] policy was to only allow redemption orders to be placed 0-9 days after maturity date - denying me interest on the float ).

Popular Bank representative took my request to transfer entire account balance including any unpaid accrued interest via ACH to my previously linked XXXX checking account. Verified all related account and routing numbers with the representative during this call. Was told the transfer would occur 2-3 busi
ness days from then ( another 'sticky fingers ' policy intended to create an unpaid float ). 

Called Popular Bank back on XX/XX/XXXX to complain that funds were not received. Was told that transfer had occurred XX/XX/XXXX and that I should check with XXXX. Asked the representative to start a trace. 

Called my personal rep at local XXXX account. Asked him to start a trace from receiving end. XXXX has since confirmed that there has been nothing sent or pending to any of my accounts matching this transaction. 

Note : this CD account was configured to sweep each month 's interest into the linked XXXX account, which was successfully done 24 times. There is no room for ambiguity about whether the correct information is in Popular Bank 's records for delivering these funds.
Complaint sub-issue: Investigation took more than 30 days

I received your correspondence on this alleged account stating your ( verified or updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Complaint sub-issue: Their investigation did not fix an error on your report

I have obtained the letter from XXXX XXXX. Please see attached letter. 
I need the 3 credit bureaus to correct XX/XX/2021 Hard Inquiry to a soft inquiry.
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/2017 The company is XXXX XXXX They have sent an account that was current to collections also they are requesting money on a cellphone that was returned
Complaint sub-issue: Reporting company used your report improperly

N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem during payment process

I have a  " Citi Double Cash Card '' credit card from Citi Bank. When the monthly invoice arrives there is absolutely no mention of who to make the check payable to when paying via check. This is a deliberate tactic on Citi 's part in order to make it more difficult to pay via check. This is doubly strange because they include a complimentary envelope with which you can mail payment, either in the form of a check or money order. I hav e saved the original invoice and can forward it if necessary.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information and allowed it to fall into the hands of hackers due to negligence. They have told me that my credit and identity ( and millions of others ) are at risk now. A resolution, and accountability for those at fault, is necessary.
Complaint sub-issue: Didn't receive notice of right to dispute

I noticed I had a negative mark on my credit report on XX/XX/2019 involving a medical debt that was being handled by Works & Lentz , Inc. of XXXX XXXX, OK. I have never received any notice via phone or written communication of this debt from Works & Lentz , Inc. Upon further investigation with my insurance company and the provider, a claim had never been filed and I had not received any bills due to error in my address on file. The claim has now been submitted and I was advised to notify the debt collection agency that the debt was now in process of being resolved. Upon calling Works & Lentz and  explanation of events, they wanted my contact information to now notify me of the debt. The individual on the phone also wanted our insurance information and DOD number even thought they are not the ones filing the insurance claim. I promptly ended the phone call at that time.
Complaint sub-issue: Can't get flexible payment options

While in XXXX college I decided to move on an pursue a degree at a XXXX college and decided to look out of state. After applying and getting into XXXX XXXX XXXX, I worried about the cost of attendance and wondered how I could pay for this. My parents who at the time were supporting XXXX children with only XXXX income decided to send me to college, but looked into federal loan options to help me. After finding out that the federal loan system would give me less the a fraction of the tuition ( even though my parents did not make sufficient enough money to support our family and send me to school ) so I had no choice but to look into private loans. I was completely incompetent with regards to any financial literacy and Sallie Mae took direct advantage of that by assuring me and my parents that the loan would be easily repayable and that there were repayment options. They also denied my parents as co-signers and made me look to other immediate family. Now after graduation I am in over XXXX dollars of debt with over XXXX in interest because of the ridiculous rates and I only make about XXXX of the total in salary every year. I also have XXXX in federal debts and have filed for repayment programs to assist me in this crisis. Looking back on the experience, I was persuaded into accepting a ridiculous loan that in the end was a terrible investment because the education I received was EXTREMELY poor for the cost. I would have never even considered this loan had I had not been to young and nave to realize what a dangerous mistake this was, but the company took complete advantage of the fact that the material was so new and confusing. Terrible education should not cost that of a mortgage and because of this reality the education system has truly failed students looking for a better future.
Complaint sub-issue: Debt is not yours

Americollect has not reached out to me about this account I checked my credit report and it was on there this is not my account. I have no knowledge what server of this collection account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries on my credit report that I did not authorize : XXXX via CONSUMERINFO XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

Calling me to collect on the account
Complaint sub-issue: Account information incorrect

In process of closing on home. Contacted XXXX because they are the only credit bureau that is reporting my student loan that has been paid off back on my credit file after was already removed and reflecting never late paid in full balance is now XXXX. they directed me to their website which doesn't allow you to open new investigation. Please help time is of essence. I am currently in process of closing on a property and my score dropped and now my debt to income ratio is 10 times higher.
Complaint sub-issue: Reporting company used your report improperly

I did not open XXXX XXXX account # XXXX or XXXX XXXX XXXX account # XXXX These are fraudulent accouns I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/20 was going to add a second line to my XXXX unlimited plan. 
XX/XX/20 received XXXX card for account # XXXX phone number XXXX Never used second line XX/XX/20 cancelled second line. Bill was still charging me XXXX bucks. 
XX/XX/20 paid my normal bill of XXXX, still showed a XXXX dollar balance Was reassured the XXXX would be a credit XX/XX/20 XXXX shut phone off Got it back on. They shut off again XX/XX/20 shut off again. 
XX/XX/20 started a new service with XXXX XXXX  and quit XXXX. Try to charge XXXX bucks even though XXXX is a credit and I never used the service again after XX/XX/20! 
They are now destroying my credit
Complaint sub-issue: Account status incorrect

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a business banking account with XXXX in XX/XX/2020. I received a SBA loan and was approved. They asked me to see a copy of my original loan application from a 3rd party. I provided my signed disclosures for the loan as it was approved they returned my funds back to SBA without my consent. When I reached out to the bank I have not received a response. They discriminated against me. I told them I have never heard received a call from XXXX bank until my funds were deposited. They told me they thought it was fraud. When I provided my documents they still wired my money back without a explanation. I informed them my information has been confirmed through SBA. I am not requesting any products from them why are they asking me for my taxes and what do they intend to do with it. No response.
Complaint sub-issue: Their investigation did not fix an error on your report

I settled 3 XXXX card accounts with a collections agency around on XX/XX/XXXX of this year. None of my reports updated so I submitted a dispute with all 3 bureau 's. XXXX  and XXXX updated my accounts within a week of my dispute as they verified with the collections and XXXX that my accounts were paid for and had no outstanding balance. 

Equifax on the other hand closed my investigation saying XXXX reported to them that I still owed money. I have paperwork mailed to me from XXXX saying the accounts are paid off as with the collections agency paperwork saying the same thing. The other two bureau 's verified this information. I also faxed my documents to Equifax. When I was told I still owed money, I asked if they had seen the paperwork I faxed. The lady had not and did not even know i faxed them anything. It appears that Equifax either did not do an investigation or is lying. I had to initiate a re-investigation with Equifax. I am not confident in this re-investigation as they seem to be grossly incompetent. I do not trust them to handle the simplest of tasks.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting Act : XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  acct # XXXX, has violated my rights. 

15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) states 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. 

15 U.S.C 1681 section 604 A section 2 : states, A consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states, I have the right to privacy.
Complaint sub-issue: Investigation took more than 30 days

several attempts have been made through mail and fax for Equifax to update the spelling of my name, I 've sent my drivers license and voters regristration and they still refuse to correct the spelling and update my report. My name is not spelled XXXX it is XXXX and it seems like no matter how many times I send them the info they do nothing. 2nd I have credit monitoring on my phone which alerts me when there are changes in my credit report and score, on XXXX/XXXX/XXXX I recieved an alert and checked and saw that a collections was removed from my credit report ( XXXX XXXX ) and lucky I took screen shots just in case issues like this happened, on XXXX/XXXX/XXXX I recieved an alert, Equifax added the collection back on to my report with no prior notification, no anything, I was down to XXXX collections and now I have XXXX. Last it took them over 30days to respond back to my letter that was sent over a month ago. Photos are I closed when they removed it and then added it back
Complaint sub-issue: Can't temporarily delay making payments

Due to covid I am not working and have XXXX income. They put the loan into forbearance for three months however the first time did so after I paid one month, refunded me, said my account was past due after it was refunded and made me pay and refused to credit me the month so in essence they gave me two months forbearance. I havent received unemployment although Ive been trying for over 4 months now. I have begged them in multiple emails and explained my situation since XXXX and now they said theres no forbearance left and if Im late they will immediately report to my credit so I use much needed funds to pay. Please help. In this time with no income and being unable to work due to being immunocompromised I am shocked that a company is this heartless. Regular loans forbear at XXXX  %. I do t even care about interest I just need a few months to catch up.