Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I opened a XXXX XXXX store card in XXXX of XXXX. I had only one purchase on the card for a watch that costed {$620.00}. I purchased this watch at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I have a receipt for the watch as well as I forwarded my receipt over the phone. I returned the watch the next day as the watch wasn't a good gift. 

My store card was charged without my knowledge as it was stolen by somebody and used in a foreign state. I found about the charge when the account was delinquent and collections agency was calling me. The credit charges posted on my account were without my knowledge. XXXX XXXX account team did not help me as they kept me reverting back to some collections agencyXXXX XXXX posted many months of late fees on top of the ~ {$110.00}. the late fees added by XXXX, inflated the over all owed amount to {$380.00}. And I have been harrased and not provided any support to launch a claim. XXXX XXXX horrendous service caused delay in customer support or relief for me as the customer. I have called and waited on hold with XXXX XXXX customer service then XXXX XXXX  ( XXXX uses for their store Card ) and spent hundred of hours trying to resolve. XXXX XXXX customer service has been giving me different numbers each time I call. I filed a fraud claim with XXXX XXXX explaining that my card was stolen but no support came in from XXXX XXXX at all. It's XX/XX/XXXX and I still do not have any support. XXXX XXXX customer Customer service gave me XXXX XX/XX/XXXX week, customer service told me to talk to the accounts team. 
Customer service gave me XXXX to talk to the fraud department. the fraud department did not have anyone available to support. 
Customer service gave me XXXX, this time explaining that XXXX is direct number to the team responsible. I waited hours to finally file my fraud complaint with XXXX id : XXXX Then XX/XX/XXXX XXXX XXXX gave me XXXX, telling me it will work this time, only for the number to say that due to COVID no call support is available. 

XXXX has harassed my mentally and physically with bad service and a ~ {$110.00} fraud charge for over three years. 

I request for the CFPB to help me remove this fraudulent entry on my credit report as XXXX XXXX have constantly failed me and I and begging for relief.
Complaint sub-issue: Problem with fees charged

I was in a car accident and I had my car loan through Ally Financial. The vehicle is a total loss being paid by the insurance and I called Ally on XX/XX/2020 to get the payment date of XX/XX/2020 moved to the end of the month so the insurance could take care of everything. I even recorded to call. I was told that the payment would be moved but that I also had a 15 day grace period in addition to that. Then I get a notice that I am past due. I look today and I am 16 days past due and there are lat efees on the account. I call and the first person just mumbled into the phone and hung up. I got on chat and called back simultaneously. I was told on chat that she found a record of me calling to move the payment but told me it never got processed so I was pretty much out of luck. THe collection person XXXX XXXX or something that I talked to on the phone barely spoke English and I asked her to spell her last name like 5 times and still couldn't understand her. She basically told me the same thing. That it never got processed so I had to make the payment. I asked for a supervisor and she claimed one was not available. I asked multiple times and she refused to offer me a manager. Said she was working remotely and no supervisor is available. I had to make a {$350.00} payment today, knowing that the insurance is paying off the loan and that my payment was supposed to be postponed until the end of the month, which would have given me an additional 15 day grace period into the XXXX of XXXX to have the insurance thing done since the car was a total loss. I was in a severe car accident and this stupid company told me that the payment would be moved and now I am having to make an extra payment that I shouldn't because someone did not do their job on the 3rd. I already had to buy a new car and I was told that this was taken care of.
Complaint sub-issue: Their investigation did not fix an error on your report

Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX XXXX
Complaint sub-issue: Billing problem

Reference Complaint ID XXXX. Lender started calling again from a local phone number ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX ( Arizona time ). Gateway One Lending and Finance called me again on XX/XX/XXXX. The representative 's name was XXXX and they wanted to discuss payment for an XXXX. I have already informed this company back on XX/XX/XXXX and XX/XX/XXXX that I was n't the XXXX XXXX they were looking for. They apologized and said that the person doing the investigations was new and in training. They said they would n't call me anymore. Well, it 's 3 months later and they 've started calling me again. I told XXXX, it was n't me and he asked me, did n't you just say your name was XXXX XXXX? '' I said it was but I 'm not the XXXX XXXX from XXXX, CA who bought an XXXX. I told him I 've already gone round and round with their staff back in XX/XX/XXXX. I asked for a letter resolving this issue and I never received anything. I requested to speak with a supervisor. Will put me on hold and then came back and said his supervisor was n't available at the moment. I asked for that supervisor to contact me to have this resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from my credit report.
Complaint sub-issue: Account information incorrect

I have been in contact with Discover and they had advised me on XX/XX/2021 that the amount that they had offered for a settlement was 50 % of the balance. They were contacted various times and this was not the amount advised as I had the information written. I'm in a significant hardship due a permanent health condition. The agent was advised that I was not able to come up with the funding which they advised was to settle at 65 % of the balance and would not change this amount. I have secured a amount that is close to the 50 % which is 35 days subsequent to the date I contacted the credit card. The position they have taken is to advise that they will not honor the 50 % which was not advised and kept requesting a minimum payment to secure the settlement which is higher than the 50 % now at 60 %. I have secured money from a family member to settle the debt and am formally requesting help from CFPB for the credit card company to honor what they advised would be the amount to settle with me. The last representative in XX/XX/2021 has misled me and not advised of the amount the representative advised on XX/XX/2021. Discover attempted to increase the settlement to 60 % and make the payments extend to 36 months to make it seem as if they were working with me but they are not as the increase of 10 percent is significant when do not have income.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX.is reporting on my XXXX and Equifax that I have two missed accounts but it states they are current. This is confusing and misleading to future creditors. If my accounts are current how are they missed. This is the type of fraudulent and misleading information that in violation to FCRA.
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Balance {$310.00} XXXX XXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00}
Complaint sub-issue: Debt was paid

I have an account from a debt collector named XXXX XXXX XXXX that is reporting a collection for {$1600.00} on my personal credit reports with XXXX, XXXX  and XXXX. This debt is not valid and per a dispute with the original creditor, the account was supposed to be recalled from the collection agency as of XX/XX/2019. As of XX/XX/2019 this information is still listed on my credit reports and came back as verified when I opened an investigation with the credit reporting bureaus. See attached for documentation from the original creditor that this debt is settled and should have been removed from my credit reports.
Complaint sub-issue: Didn't receive services that were advertised

I received a alert/notice from Equifax to enroll for XXXX   IDnotify monitoring service, as Equifax is collaborating ( transition ) to XXXX this subscription. I promptly contacted BOTH companies via email and customer service numbers provided and neither were able to provide the process or means to register for the solicited monitoring service. Both dismissed the solution to registering for the monitoring service ( ID notify ) at no charge for 2 years.

Several Federal issues for compliance are violated when an offer is extended and detail/means to transition are not specifically disclosed or available ( particularly when a live person and chat program are used in the communication ). 
A total unethical environment is associated with Equifax ( legal issues are massive ), and it seems XXXX is now in association! 

I want to register for this solicitation/offering!
Complaint sub-issue: Account status incorrect

I have duplicate XXXX XXXX accounts reporting on my equifax and XXXX reports, these have been deleted by XXXX XXXX with XXXX per XXXX XXXX request but are still showing on other XXXX credit reporting agencies, please delete. I XXXX longer liable for these accounts and do not have a contract with XXXX XXXX, attached deleted records and you will see the XXXX XXXX account numbers also. XXXX XXXX account numbers are attached also. Please delete XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Nelnet received a CFPB Complaint XXXX with no resolution More facts have emerged My social security number ends in XXXX I searched for an account with my social security number on Nelnet website and no account exist I have a installment loans from Nelnet on my credit report with a balance of {$0.00} I would like removed off my credit report with XXXX My social is XXXX XXXX XXXX My legal name is XXXX XXXX The Nelnet account # XXXX opened in my name does not match my social and is illegally used to impersonate me. With account number I filed a police report to support my documents
Complaint sub-issue: Information belongs to someone else

I'M SENDING THIS LETTER TO HELP WITH GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT ASAP.
Complaint sub-issue: Problem with rewards from credit card

Ms. XXXX and her colleagues are liars. They have already been caught contradicting themselves. 

What's more, Ms. XXXX stated she has confirmed that my application was received through pnc.com and not XXXX XXXX XXXX promotional link, yet she has failed to provide proof of such indictment ... STILL. 

This core deceptive 'bait and switch ' business practice is completely unacceptable. And since they still after all this time refuse to give me my credit, as promised, and won't even show documentation to back up their weak and unsupported claim, they are non-compliant with the UDAAP and the DoddFrank Wall Street Reform and Consumer Protection Act and they must be punished ...
Complaint sub-issue: Received bad information about your loan

on   XXXX   XXXX  2017    I first spoke with customer service person once again I was not read any mini  XXXX . He was extremely rude and argumentative. in the background I hear d two other  women speaking about another account when I finally asked for a supervisor. He kept saying that I filled out the paperwork wrong when I try to explain that they 've been corrected he wanted to continue to argue with me. When I asked a supervisor they gave me a team lead. I wanted to speak with supervisor I was on hold for abou t five min utes never received a supervisor said I would speak with somebody higher up than the supervisor still was not given that courtesy to speak with supervisor. Did agreed to speak with the team lead. I was asking about the discretionary income clause that President Obama set up for Student Loan 's and was totally ignored they were still basing things on gross income and poverty level which had nothing to do with what I was applying and for was not helpful with me at all that perhaps maybe I was even filling out the wrong repayment option and finally offered me the forbearance for a year. I felt I had no choice but to apply for forbearance I wanted to pay on my student loan and continue making payments When I read their response my first complaint nobody told me anything about my application being approved or was given y amount of {$150.00} and matter fact i was told it would be more than I was currently set up with because of some overtime. I could not afford present payment. There is so much inconsistency as to what they 're doing that I feel that my loans and not being handled incorrectly. They are not helping. I am strongly considering hiring an attorney for these actions that have been taken b y Nelnet. I happ en to have a medical condition that I could easily try to apply for  disability  and perhaps even receive full disability I choose to work, I choose to pay my student loan back but these people were n't interested in that at all What they have chosen is to charge me more interest on this loan while during this forbearance. Because they would not even go over different options with me on repayment and discuss discretionary income which is very different than gross income which t hey did not seem to understand. I have contacted now nelnet in the last six week s twice and I 've been treated very rudely, not helpful, not company doing there job. At this point I would prefer to only speak with the supervisor and when I mean supervisor I do not mean a team lead an account  manager  or customer service person. I am looking into hiring an attorney to file lawsuit against nelnet.
Complaint sub-issue: Company closed your account

On XX/XX/23 I opened a Citi high yield savings account online. I was actually solicited to do so since I currently have 3 existing Citi Credit cards that I have had for years. I clicked on the link, opened the account via online application with no issues and even received a debit card and pin # in the mail for the account. I funded the account immediately electronically through my existing XXXX XXXX savings account. Everything was fine and all of the sudden I logged in and saw XXXX available balance when the day before I had an available balance of XXXX. I called immediately and was read a script that my account has been closed and I could not be provided with an explanation over the phone. They informed me it would take 30-60 days to get my {$15000.00} back via a mailed check to my address even though it took a matter of minutes for them to debit my TD banking account for these funds electronically. Now I am left here penniless. No money, no explanation. If there was a problem with opening the savings account or with my application for any reason, the application should not have been approved and the account should not have been opened. Please help me. This is unjust and unfair. I can not eat or sleep over this and I need help regaining my life savings. 
Thank you, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

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

I sent three letters to XXXX, XXXX and Equifax with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received a prepaid XXXX for {$150.00} on XX/XX/XXXX, and used it once for {$60.00} at XXXX around XX/XX/XXXX. I attempted to use it again the next day and the cashier said it was declined. When I checked the balance I learned funds had already been depleted from New York and I live in XXXX XXXX. Someone also managed to register it under a different name. My card was compromised even before I used it for a small amount of {$10.00}. Someone had already stolen a portion of my money without having the physical card. I have attempted several times to dispute with company, sending faxes and them saying they couldnt see documents correctly. Documents include : copy of gift card front and back, my drivers license, copy of original and activation receipt. I also mailed copies to them on XX/XX/XXXX and upon checking every week they tell me they have not received them. They give the run around too much and are not cooperative. Today is XX/XX/XXXX and they supposedly have not received them. They do not accept email and have to wait until notes are placed by the fraud department. There is no number to speak with anyone In the fraud department per XXXX the senior representative. They are scammers!
Complaint sub-issue: Debt is not yours

A company by the name of I.C.System has called and harassed me viciously regarding a debt from XXXX XXXX XXXX XXXX Now they are sending letters to my home claiming I owe {$160.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I 've been disputing a specific collection account with  XXXX   XXXX   XXXX  for over a year with Equifax. I sent them documentation proving the debt was fictitious and I was mistreated and left to suffer with a collection account on my credit report for now over a year. The collection company got involved and told Equifax to remove it back in  XXXX     2016, the y are still reporting it. I 've attached that documentation. This violates countless laws and rights and is no longer going to be tolerated.     I disputed an account with  XXXX   XXXX  back i n  XX/XX/XXXX / XXXX  2016. As  a result of that dispute, the account was deleted from my file. It is now reporting again without written notice being given to me. Equifax is a repeat offender when it comes to this and will claim that the creditor re-inserted it. When I reach out to the original creditor, they state that they have not re-reported it to Equifax. IT is obvious that Equifax is the issue since the original creditor 's automated systems can not pick and choose which credit bureau to re-report accounts that are closed to. Equifax is the ONLY credit bureau it will report to again. If it was the original creditor, it would report to ALL   XXXX    credit bureaus.     My credit report is not accessible by myself using their credit monitoring products or many others, nor is it accessible to creditors and employers.     I submitted a set of disputes several weeks ago, and have yet to receive anything from Equifax stating that they are investigating those items.     When I call the department they 've placed my file with for assistance, I am mistreated and discriminated against. I recently called to get access to my credit file for my employer and while they claimed the issue was resolved, it is not.
Complaint sub-issue: Information belongs to someone else

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX  # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} Veros Credit LLC Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Veros Credit LLC or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.