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

I have student loans through XXXX. I have submitted documentation to re certify for the income based repayment plan. They denied and said I needed to send in my XX/XX/2017 tax info. I did do that online, but went ahead and sent it in again and I got conformation it was received. I was checking my account on line and I saw the payment was {$390.00}. So I called and talked to someone about the amount was too high. He suggested doing a forbearance and for the month of XXXX and by then the re certification should be done and payment should be lowered. So I agreed and hung up. I checked my account the next day it showed I owed {$280.00}. and my payment was late. Which was not true I made my payment early before the due date and the amount was {$190.00} which was the amount I have been paying for the past year or so. I called and talked to someone and told them the amount was wrong and there should be a forbearance and it should show that I do not have a payment due. He was trying to tell me I owed back payments from XX/XX/2017. I asked to talk to a supervisor and he would not let me and said he had it figured out and that was it. I later called back because I did not believe him. I talked to lady and she tried to tell me I was not paying the right amount and I told I was and asked her to look at my statements. The reason I figured I was being charged this {$280.00} was it states interest is being recapitalized such as when a loan goes into repayment or if there was a deferment or forbearance. So that what I could see. Which is a problem because I was not in any forbearance before I made these phone calls. The lady I was talking talked to her supervisor and it should not have been there and they were putting in for a reversal. So far it has not. The agents did not seem helpful and tried to accuse me of not paying the right amount of or saying I owed something I did not. I have had trouble with XXXX XXXX when I first started with them. I am part of the loan forgiveness program and they are my only option. So I am frustrated and disappointed. I hope someone can help me.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am contacting you regarding account CBNA Reported : XX/XX/2018 - {$420.00} Closed showed up on my XXXX credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time XXXX is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried several times, since XX/XX/XXXX, to resolve the issue with Equifax. They have me labeled as being deceased through XXXX from XXXX. I provided that information back in XXXX and they took it off my report, then recently they put it back on my report. They did a dispute and at the same time I call XXXX and they sent out a letter stating that I was not deceased. On XX/XX/XXXX, Equifax sent me a letter stating, " The account is currently not reporting as deceased. The following fields have been modified : *additional information *stats *balance *type of loan. '' I'm trying to refi my house and can not due to being labeled as deceased. I've made multiple calls and all of them tell me it's going to take 30 days for the dispute. I've waited over 90 days to keep getting the same results. I talked to one agent who was actually helping me before I was sent to a survey and eventually disconnected. This is also hurting my credit score, at no fault of my own. It's obvious Equifax is not going or willing to help me resolve this issue so I can move on with my life. I need someone else to step in and resolve this for me as soon as possible. As a consumer, I am entitled to my credit score and allowed to authorize who I see fit to run that report, but Equifax is preventing me from doing that.
Complaint sub-issue: Attempted to collect wrong amount

PDQ has reported this debt opened on my credit report as of XXXX XXXX, XXXX. PDQ began collection efforts on XXXX XXXX, XXXX as indicated by the attached letter from PDQ to me. PDQ is illegally and erroneously reporting incorrect collection dates to allow them more time to collect zombie debt. PDQ 's response thus far as been to state they will " not discuss a letter that is over 2 years old ''. The consumer protect act requires accurate and honest reporting. PDQ is neither accurate or honest in reporting these dates in my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

Received a credit card in the mail addressed to XXXX XXXX at my address. No one here with that name, we've lived here almost 20 years in a single family house. The card is a US Bank ReliaCard Visa debit card, needs to be activated. I called the number to report the fraud/mistake, but can't reach a service agent without entering a card number ( which I didn't want to enter in case it activates the card ) or account number, which I don't have, of course, since I didn't apply for the card.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$650.00}
Complaint sub-issue: Problem during payment process

I called and made a payment on my Citi Best Buy card of {$50.00}, on Saturday XX/XX/XXXX, it cleared my bank on Monday XX/XX/XXXX. They show no payment being made. They said I have to fax proof of my payment, not just a statement, it must be an electronic transmittal form that I pick up from the bank. 
It may take 7-10 days to settle the dispute, which means my payment will be late and I will get a late fee. This card is also part of a fraud dispute, someone got ahold of my number and tried to charge {$1000.00}, which didnt go through, only because I didnt have the funds available. When I called them they said to check my account for other charges that I may not have done. I did find one other charge for {$99.00}. The representative that I spoke with on Saturday said she credited my account for the {$99.00}, and that my new balance reflected the credit. When I called today, I was told it is not instantly credited to my account and may take 7-10 days. So Im sure you can understand my frustration of finding out my card has been hacked, and being told it was credited instantly to my account, and then today when I call, my balance does not reflect the credit or my payment!
Complaint sub-issue: Company closed your account

CITI closed my new XXXX Card credit card without prior warning. The account was in good standing, never a late payment and a low balance. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unauthorized inquiries from : -XXXX/XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. 











Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX  XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Was not notified of investigation status or results

I have told these people many times that they are reporting inaccurate information on my credit report. I have told them different laws that they are breaking and they still have not done a thorough investigation into this information. If this continues, I will seek monetary compensation for the pain and suffering that this is causing me as well as for every FCRA and FDCPA law that they are violating. Please remove this account completely from my consumer report immediately. XXXX has already removed it.
Complaint sub-issue: Account status incorrect

XXXX XXXX is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.
Complaint sub-issue: Debt was result of identity theft

I received a phone call from XXXXXXXX XXXX Ph # ( XXXX ) stating I have an outstanding lean against me for a loan with Boost Finance. I have never heard of Boost Finance before. They provided me with all of my accurate SS #, Phone # and address which is really concerning to me. I was re-directed from XXXX to XXXX XXXX Ph # ( XXXX ). They stated I needed to contact XXXX to resolve this matter. XXXX XXXX did give me Boost Finance 's Ph # ( XXXX ). I then called Boost, but I am not able to get to a representative. 

I fear someone stole my information and took out a loan with this company fraudulently. Now I can't get ahold of anyone to get proof of signature or resolve the matter.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

My vehicle was repossessed by XXXX XXXX in the State of Georgia on or about, XX/XX/2015, and resold on or about XX/XX/2015. Under the laws of the State of Georgia UCC, O.C.G.A. 10-1-36 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. These notices were not given an violated thus law. I was not given a 10 day Notice of Right of Redemption/Right of Reinstatement '' if the car was sold at a private sale, the date of the intended sale if the lender intended to sell the car at a public auction, they didnt notify me of the time, date and location of the auction to give me the opportunity to bid on the property or bring your own bidders an explanation of your liability if I owe a deficiency balance after the sale a description of how I could obtain an explanation of how the proceeds of the sale are applied to my debt obligation a description of how I can obtain an explanation of how the lender calculated my debt obligation contact information to find out more information about the upcoming sale. 

During the end of the loan I was harassed by your customer service representatives with threats of wage garnishment and other legal matters. Under the Fair Debt Collections Practices Act you are not permitted to harass me with such attempts. I have reached out via certified mail and was ignored the following proof of documents and not reached out to by anyone of the company. I'm looking for my account with all 3 credit bureaus and responsibility  for the balance your stating I owe in collections to be removed. If not I will take things in to a legal matter.
Complaint sub-issue: Problem with product or service terms changing

To limit the sharing of my information, Equifax suggests there is a way to do it online, but, if there is, it is not accessible via the directions provided in the privacy notice. 

Upon signing up for a free account, I wanted to limit the sharing of my personal information as much as possible. They provide a pdf called " Consumer Privacy Notice '' that provides two options to limit sharing, an online portal or a phone number. The link offered in the consumer privacy notice does not exist, and so I can not use that path to limit the sharing of my information. The relevant text from the pdf is below : Visit us online : https : //help.equifax.com/s/contactsupport and select Customer Service
Complaint sub-issue: Information belongs to someone else

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$5000.00} XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$410.00} XX/XX/XXXX XXXX {$900.00} XX/XX/XXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$2500.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XX/XX/XXXXXXXX {$890.00}XX/XX/XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$31000.00}XX/XX/XXXX XXXX {$62000.00} XX/XX/XXXX XXXX {$400.00} XX/XX/XXXX XXXX {$490.00} XXXX XXXX {$340.00} XX/XX/XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$23000.00}XX/XX/XXXX XXXX {$3900.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXXXX/XX/XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX {$1700.00}
Complaint sub-issue: No notice of investigation status/result

XXXX is continuously re-aging the accounts on my credit report and Equifax continues to report credit account. per FCRA XXXX is in serious violation of repeatedly adding the account to my file. They are trying to ruin my credit score. XXXX IS CONTINUOUSLY RE-AGING THE ACCOUNT. THEY SHOULD BE FINED FOR THEIR ACTIONS PER FCRA
Complaint sub-issue: Problem getting my free annual report

going into reports for XXXX and Equifax I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

citi bank/homedepot consumer credit card has arbitrarily dropped my credit limit from {$3500.00} to {$2000.00}. I called the company and was told it was an automatic action due to something the credit bureau sent them. I have approximately {$1800.00} charged so when they dropped the limit it affects my credit score due to percentage charged versus limit. I called Citibank on XX/XX/2020 and was told the limit was dropped on XX/XX/2020. I tried to explain to them that by now showing the card is almost maxed out it will drop my credit score. I was told that was not their problem. They stated it was an automated process and nothing could be done. 
I do not see how this company can get away with doing this to consumers when amount of charge versus limit is a factor in credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX account # XXXX was removed from my 3 reports on XX/XX/2020 and place back on XX/XX/2020.
Complaint sub-issue: Their investigation did not fix an error on your report

I had an account with XXXX XXXX from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. 
Since payment, XXXX XXXX has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! 
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.
Complaint sub-issue: Card was charged for something you did not purchase with the card

my card was used at a list of places without my authorization i contacted upgrade and they denied my fraud claim after i submitted a police report.
Complaint sub-issue: Account information incorrect

I made a settlement agreement with PNC BANK to pay what I still owed for my car loan, They agreed a settlement payment of {$4000.00} dollars, I paid the whole amount, they sent me the settlement letter and when I paid they also sent me the letter of XXXX dollar balance,, but in the 3 bureaus the account is still open and with a balance of {$2300.00}, they reported my payment of {$4000.00} dollars like a regular payment and not like a settlement, so the account is on my credit report with a balance when it have to be with XXXX   balance and closed.I called them and they told me that Im the one who has to make the diligence to update my credit, that they do not have to report it to the credit bureaus, later they reported the payment like a regular payment and not like a settlement I called them again and they told me to make a claim in writing.
Complaint sub-issue: Debt resulted from identity theft

My business landline rang but no one was on the line from a number listed in California. I called it back but it rang to a recoeding that someone was trying to contact me. I then received a call on my business cell phone and it was ERC trying to confirm my address I immediately told them they were not to contact me at work and that I was a victim of identity theft multiple times. This afternoon I received more of these harrassing calls where no one was on the line and when I called it back turned out to be ERC.
Complaint sub-issue: Information belongs to someone else

Information on my credit report that are not my items are listed
Complaint sub-issue: Their investigation did not fix an error on your report

THE SYSTEM IS BROKEN,,, HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY SOMETHING DIFFERENT. IT'S A VIOLATION TO DO THAT! THESE COLLECTION/CHARGE-OFFS ARE REPORTING INACCURATELY AND NEED TO BE REMOVE IMMEDIATELY. LATE PAYMENTS REPORTING AFTER ACCOUNTS BEING CLOSED. CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THIS ACCOUNT IS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. REMOVE IMMEDIATELY. 
DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED.INACCURATE ... ... ... VIOLATIONS!!!! INQUIRIES NEED REMOVING AS WELL. 
1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX
Complaint sub-issue: Information belongs to someone else

We received a loan in XXXX for a timeshare type service XXXX XXXX XXXX that we did not realize at the time was a fraudulent company. We have not had any success contacting the company through mail, email, or phone. We were lied to about pricing of the travel site and pressured into getting it. We have also not had any luck resolving with Equiant whom the loan is through. As a result of now contact or resolution. We stopped paying in XX/XX/XXXX and are now seeking credit repair services to fix the issue.
Complaint sub-issue: Account terms

XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Equifax about the date of credit card closure and credit limit. However, upon disputing the information with Equifax on different occasions, I have gotten multiple different answers. Different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. Therefore, I ask that Equifax remove the closed XXXX credit card account from my credit file immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Good Evening this is a continued problem that XXXXXXXX XXXX and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached
Complaint sub-issue: Account information incorrect

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX XXXX  XXXX account XXXX ; US BK COURT account XXXX ; XXXX account XXXX XXXX XXXX account XXXX ; and XXXX XXXX XXXXXXXX account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Complaint sub-issue: Account information incorrect

FCRA violation : Incorrect balances being reported. High balance reported inaccurately by XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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