Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

I made a payment of {$440.00} towards a private student loan with discover student loans. This payment should have paid the last of the loan off, however while the money was withdrawn from my checking account the payment was never applied towards my loan balance. I have called multiple times and been asked for patience while they attempt to resolve the issue, I have messaged them through their online messaging system with similar results. I have uploaded a copy of my bank statement, as well as a letter from my bank confirming the payment, as they requested and still they have not resolved the issue nearly two months later. I have lost faith that they have any intention of fixing the problem at this point.
Complaint sub-issue: Their investigation did not fix an error on your report

Have incorrect information on my report, addresses I never lived at, a bankruptcy that isnt mine nor did they provide how they verified it was mine. I spoke to the court, they said they did not release information with a persons full social security, that it be impossible for them verify it. They took XXXX  days to investigate it. Also i called to speak to them to dispute XXXX false hard inquiries made on my credit report that werent mine, they said contact creditors, creditors said contact equifax. Equifax would not let me dispute hard inquiries, I informed them i never authorized said inquiries, asked them to obtain proof that i authorized them either in person or show me a paper with my signature, they said they wouldnt let me dospute them.
Complaint sub-issue: Account status incorrect

My  XXXX   XXXX    XXXX   Retail card was closed and the reason is noted as consumer request to close.      1 )  I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me,  XXXX  did n't even argue this point. This is totally unprofessional and poor service for customers.      2 )  This misreporting has prevented me from securing student loans.      3 )  My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.      4 )  Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.
Complaint sub-issue: Information belongs to someone else

The following debt collector and credit card account, and credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XXXX, {$300.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, Tbom/Cont fin, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to me.
Complaint sub-issue: Fee problem

An overdraft charge for XX/XX/2019. 

I saw no shortage of funds or a negative amount on my account when this overdraft payment occurred. I was told that the overdraft occurred when PNC did their there processing. In the past, when overdrafts occurred, they were shown on the account immediately. 

I check my account once or twice a day. All funds that are deposited in my account are from PNC Merchant Services, ( which are available for use the following day, except weekends, because the clearing house does not release them until Monday morning ), a monthly pension, ( that is direct deposited for immediate use ) and cash. Once in awhile I may deposit something else. 

If PNC is closed on weekends and my funds are there in my account when they open, why am I charged for over drafts?
Complaint sub-issue: Account information incorrect

I do not owe this company ANYTHING. I have tried to fix this several times, I need some help. XXXX XXXX # XXXX through XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

In XXXX XXXX  I opened an account with Citibank with their promotion of $XXXX after depositing $XXXX,XXXX cash into checking and savings. Within 2 weeks, and well within promotion guidelines, I wired $XXXX,XXXX into the account.I have been trying for over a year to get both my promotion $XXXX   credit AND my full $XXXX,XXXX back from them. Countless hours, phone calls, escalations, and still it is completely unresolved. Please help me escalate and resolve this blatantly fraudulent promotion offer by Citi.Thank you.
Complaint sub-issue: Threatened to sue you for very old debt

I had a loan with XXXX that went into collections with Plaza Services supposedly in XX/XX/2020 I didnt know anything about this until it showed up on my credit report in XXXX. I tried all XXXX to get in touch with them and could not and today I finally did and they have transferred the account to XXXX XXXX XXXX so I called them today to get the account number to set up a payment plan and she threatened me and said if I didnt pay it all today I would be sued and they had the paperwork ready. I informed her I was not going to do that and hung up. I then got on their website and emailed them to get the account number which they complied and I made XXXX dollar payment, they continue to send me letters demanding the whole amount immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Didn't receive enough information to verify debt

Im reaching out to request a deletion of ProCollect ( Account # XXXX ) from my credit file. I have filed numerous disputes with the credit bureaus and Procollect directly. Procollect has continuously failed to provide sufficient documentation that I owe a debt. Procollect can not furnish proof. On XX/XX/2021 I mailed certified letter for verification of debt to the three credit bureaus and Procollect. On XX/XX/2021, I received 3 pages of information from Procollect. One was attempt to collect debt letter, 2nd was final account statement, 3rd was copy of an application for housing. On XX/XX/2021, I certified mail Procollect asking for a written, signed contract with my signature to verify that this debt is mine. On or around XX/XX/2021, Procollect mailed the exact same 3 pages of information. This debt is not mines. According to the FCRA, Procollect has violated my rights. 15 USC 1681, Section 602a states that I have a right to privacy. 15 USC 1681, Section 604 ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Also, Procollect is violating 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692e ( 11 ). 
This company is reporting wrong information and is causing a negative effect to my credit report. Please delete all Procollect accounts from my credit reports.
Complaint sub-issue: Information belongs to someone else

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$110.00} XXXX XXXX  XXXX {$100.00} XXXX  XXXX {$310.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$980.00}
Complaint sub-issue: Information is missing that should be on the report

equifax provided incorrect credit score to bank and i could not get loan or credit card very unhappy they gave wrong score to my bank.
Complaint sub-issue: Account information incorrect

Equifax and XXXX reported my utilization rate changed from 5 % to 23 % by reporting a balance of {$1700.00} for a XXXX XXXX account. My balance for XXXX  XXXX was report as a zero $ balance for XXXX and XXXX. My score decreased XXXX points instead of it increasing and this is hurting my chances of homeownership. I mailed a letter to all bureaus and this issue has not been resolved. My credit card statement billing cycle did not end until XXXX and this balance was reported on XXXX before the billing cycle ended. The credit card was paid off prior to the billing cycle ending which is not supposed to happen. Please see attachements
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting an inaccurate late on my credit report.
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 has violated my rights XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2  ( A ) ( XXXX ) 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: Their investigation did not fix an error on your report

I have sent letter to all 3 Credit Bureaus XXXX Equifax XXXX In Regards to many fraudulent accounts on my report that I have been attempting to have removed. I have validated all documents and necessary verification information and I am now seeking to have these fraudulent accounts listed below removed from my report. 


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 ( all 3 bureaus ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX ( Equifax & XXXX ) XXXX XXXX XXXX XXXX # XXXX ( all 3 Credit Bureaus ) XXXX. XXXX XXXX # XXXX ( All 3 Credit Bureaus ) XXXX. XXXXXXXX XXXX XXXX XXXX ( All 3 Credit Bureaus ) XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX ( All 3 Credit Bureaus )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 Account Number Date Opened Last Activity Original Creditor Status Type High Balance Unpaid Balance Highest Adverse Rating Most Recent Adverse Rating XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Open Individual {$4800.00} {$4800.00} Collection/Charge-off Comments Collection/Charge-off Placed For Collection Account Number Date Opened Last Activity Original Creditor XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Status Open Type Individual High Balance {$840.00} Unpaid Balance {$840.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Collection/Charge-off Account Number XXXX Date Opened XX/XX/XXXX XXXX Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$2000.00} Unpaid Balance {$2000.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Consumer Disputes This Account Information, Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number XXXX Account Status Open Date Last Activity Type Responsibility Remarks Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit XXXX Open XX/XX/XXXX XXXX XXXX Credit Card Individual XXXX XXXX Provided {$590.00} {$590.00} Creditor Information XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX In 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: Information is not mine

I had a XXXX which was an XXXX. I opened a BUSINESS credit card account with XXXX XXXX XX/XX/XXXX. The business never made much money and I decided to shut the corporation down XX/XX/XXXX. I closed as many credit lines as I could by paying for them out of my personal income. There were XXXX credit lines still open that I could not pay right away until I paid more of my personal debt off to get more cash flow. I will have to pay the accounts eventually from my personal income. However, as soon as the BUSINESS credit card for XXXX XXXX went past due for 60 days, XXXX XXXX reported the NEGATIVE only information to the credit bureaus under my social security number. I have confirmed that the XXXX number for XXXX XXXX is on the account record and is accurate. I was told by XXXX XXXX that their policy is to report ONLY NEGATIVE information under the primary and secondary business owner 's social security numbers as well as the business credit bureaus under the XXXX. I believe this is wrong, unethical and may be illegal. I believe this is an attempt to circumvent the laws governing a separation of personal and business debt. Also, it shows that XXXX XXXX 's intention is to cause harm to the personal financial reputation and not to assist in collecting the debt. The fact that ONLY NEGATIVE information is reported under the owner 's social security number AND to the consumer credit bureaus is vindictive business practices designed to destroy the financial reputation of the business owner instead of the business ' financial reputation instead. All business debt should only be reported to business credit bureaus and completely separated from personal debt. The credit bureaus should not be allowed to report business debt on personal credit reports especially in the case where legal means have been used to isolate business and consumer debt for example in the case of a XXXX etc. XXXX XXXX 's current policies ignore the laws governing the formation of these legal entities under the law. The way I am impacted is that I have lost thousands of dollars in the business failure. By XXXX XXXX damaging an otherwise pristine personal credit record, I am not able to sell my house and get a lower costing mortgage which would help me pay back XXXX, XXXX 's debt. My personal credit bureau scores do n't allow me to re-finance the debt or allow me to maneuver to find a solution to repay the debt. So, in reality, XXXX XXXX 's behavior and policies are damaging to the economy, the banking industry, the mortgage industry, business financing, and shows a vindictive intent to destroy the personal credit of the business owner. This behavior should be outlawed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In XX/XX/2020, nearly all of my credit accounts disappeared from my records on myequifax.com. I have initiated disputes through their website XXXX XXXX, XXXX, and XX/XX/2020 XXXX, filed a XX/XX/XXXX complaint XXXX XX/XX/2020 ), and called their customer service line ( XX/XX/2020 ). Each time I have been told there is nothing wrong with my report and that I can access my credit history via myequifax.com, yet myequifax.com still shows almost none of my credit history. 

When I asked their customer service representative how to contact tech support to address the issues with their website, I was told they are tech support and there is nothing wrong with my account. Solutions offered were to refresh my browser history ( no effect ), and to mail their dispute center my XX/XX/XXXX and XX/XX/XXXX credit reports for comparison. The issue is not my credit history ; the customer service representative said their files show 17 accounts. The issue is I can not access my credit history on myequifax.com, and I have thus far been unable to connect with anyone who has the expertise to address the issue.
Complaint sub-issue: Information belongs to someone else

I am in the process of purchasing a home and my realtor pointed out several accounts showing on my credit profile that I have never opened nor have any knowledge of
Complaint sub-issue: Account information incorrect

XX/XX/XXXX Re : Regional Acceptance Co acct. # XXXX Dear Regional Acceptance Co , I've been a customer of yours for years now, and recently when reviewing my credit reports I noticed late payments from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. I have always paid my bills on time, for as long as I can remember. I really believe that these payments must have been due to an error of some kind, such as an issue with the mail or something similar. If you'll review my account history, you will see that I have never been late aside from these instances. My credit is important to me and my relationship with your company is also important. I've been a happy customer for many years, and would like to remain one for many more. Based on our good relationship, I'm asking you to please remove these late payments from my account and from my credit. I ask you to take this in consideration and please favor your faithful client. 


Thank You.
Complaint sub-issue: Their investigation did not fix an error on your report

My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.
Complaint sub-issue: Debt was paid

I opened an XXXX XXXX XXXX account through a third party for the bundled package. They somehow opened XXXX accounts on the same day ( one that nothing was done with, and the other that I still use to this day ). I then received the bill for the second account from XXXX XXXX XXXX XXXX and they saw the problem, and said that my account would be pulled back from the collection agency and then closed out with a XXXX balance. They clearly stated they saw the problem, and it was an error. A few months passed and I didn't get any bills from AFNI Collections. All of a sudden they have started again. I called XXXX XXXX XXXX XXXX again ANGRY, and gave them the account number that XXXX was trying to collect on. They said they couldn't find the account. I called XXXX and explained to them the situation, they told me to contact XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX and was told that, " Yes, there was an error on their behalf, and the account was closed with a XXXX balance. '' I even gave them the account numbers that are showing on the AFNI Collection bill. They were still unable to locate the account.
Complaint sub-issue: Problem using a debit or ATM card

Unable to attach my atm card to XXXX  to send money to my children for emergencies. They live outside the state and it would be more cost effective to be able to use XXXX   instead of spending money to send via XXXX XXXX or XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Accounts where open without my knowledge, which let me be responsible for paying back, I have been disputing these items for 2 years now I have send FTC reports, police reports but they have yet to removed. Also a few companies removed it from the bureaus for a few months and then put back on which is a violation of my rights. Accounts are closed but are revolving on my reports. 

XXXX XX/XX/XXXX ( {$940.00} ) XX/XX/XXXX {$1200.00} Macys XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX  reporting false information on my credit report this account does not belong to me and should be remove immediately the address and info is not correct ive have filed a police report and XXXX  report in regards to this matter
Complaint sub-issue: Information belongs to someone else

I was checking my credit report, there are so many negative information. I told you, this information does not belong to me. Im sure that someone have my personal information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My husband and I checked our credit scores with credit Karma because we were applying for an apartment and wanted to check our scores. This was on Wednesday, XX/XX/XXXX, in the XXXX Saturday, XX/XX/XXXX I received an email from Credit Karma stating that there was a new credit account on my report. I thought this was suspicious as I had just checked my score a few days before. Credit Karma seems to just be a funnel for getting customers to sign up for new credit cards stating this can improve their score. I looked up the organization on my report that was this new credit account account on my report. It was XXXX XXXX XXXX. I searched the web for them. They offer a deal where you can pay them to expunge the negative ding to your credit score ( mine had gone down 2points ) by sending them money without contacting the creditor. They did not reveal the original company of the debt or even the collection agency working for them. This seems like a scam where Credit Karma and XXXX XXXX XXXX are working in tandem to rip people off. I want the ding taken off my credit score, if there really is one and I hope this is investigated and consumers can be alerted to this scam.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX  account XXXXhas mishandled my Consumer Reporting Disputes, which has prevented me the consumers From Exercising Debt Collection Rights. I dont know who this company is and I didnt give consent for my information to be released to XXXX XXXX 

They need to end this illegal credit reporting and debt collection practice. This debt is holding me hostage from getting a new vehicle for my family and it is effecting the way I am living. I dont believe its fair. 

Also effective XXXX XXXX 2022 no medical debt should be in a consumer report.