Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

I was approved for a secured Discover card in XX/XX/XXXX with a security deposit of {$500.00}. I allowed Discover to draft the deposit using my routing and account number. After the probationary period, I was approved to graduate to a higher credit limit of {$2000.00} and have my {$500.00} security deposit refunded on XX/XX/XXXX. However, I did not receive the refund check. I contacted Discover in XX/XX/XXXX twice to find out where my refund check was. It was returned as undeliverable. My address has not changed. I have lived at the same address since XX/XX/XXXX. I provided them with my correct address again. I called again in mid-XX/XX/XXXX and spoke with a supervisor because I still had not received my refund check. I was told yet again that they would issue another check via US Mail, and I would have to wait 30-45 days to receive it. I called again on XX/XX/XXXX. I was advised that my check was mailed XX/XX/XXXX and that I needed to wait until another 30 days had passed before calling again. I have asked repeatedly and even offered to cover the shipping fee if they will just send it XXXX  or XXXX so I can have a tracking number. They said the only way they refund the security deposits is via check sent first class US Mail. I am seeking your assistance to receive the refund of the security deposit that I am entitled to. I am also seeking your assistance in changing this procedure because other customers are probably affected by it as well. 

Thank you
Complaint sub-issue: Information belongs to someone else

I emailed this company every day and no response! They have 3 different numbers and not one can be reach! It say I have a credit account with them. Im trying to report fraud and no one is responding. Someone use my social and my name for this. This is not fair. Each number given belongs to a cell phone number. So basically someone can steal someone social n identity and this company will allow them to get away with it. Theres no help
Complaint sub-issue: Frequent or repeated calls

Hunter Warfield has continued to contact me regarding a debt with " XXXX '' for which I have never been a part of. In addition, they have been sent a debt validation letter from XXXX after placing an account on my credit and have yet to get a response, although the collection attempts continue. The account shows payments made on it however I have never paid the company a dime. This is not my debt. I receive upwards of 3 calls a day to my cellphone and have started to get calls at a previous employers office for which I never gave the number out. On my credit report, it shows I am disputing the debt however, they continue to contact me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 I contacted Equifax at XXXX and spoke with XXXX. I advised XXXX I was made aware of inquiries on my credit report I did not authorize. XXXX advised I was unable to dispute this information and had to contact each individual company to dispute it. I advised I did not feel it was my duty to do so because as custodian and the furnisher of information it is Equifax 's duty to ensure all inquires a duly authorized.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$450.00} written off. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$12000.00} XXXX Account charged off. {$19000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$23000.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident XXXX Single XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single XXXX
Complaint sub-issue: Problem with fees charged

Late fees of {$15.00} per month on the account summary portion of the Mechanics Bank Auto statement, but on the payment coupon further down the statement shows late fees ranging from {$15.00} ( correct late payment fee ) on XX/XX/2022 statement, but each statement after XX/XX/2022 having overcharged with the highest amount being {$75.00} on the XX/XX/2022 statement. 

I've been trying to catch up on payments on my account but the varying fee amounts are making me fall further behind. On the XX/XX/XXXX payment due date coupon, it shows {$75.00} in late fees. On the XX/XX/XXXX payment due date coupon, it shows {$60.00} in late fees. Then again in XX/XX/XXXX, it shows {$60.00} in late fees as well. On XX/XX/XXXX it shows {$45.00} in late fees. XX/XX/XXXX shows {$30.00} in late fees. XX/XX/XXXX shows {$15.00} in late fees which is the only month where it seems correct. Every other month it seems like it was being duplicated two to five times what it should've been. 

From what I understand, late fees are {$15.00} per month according to the account summary on the estatements but I've been overcharged by quite a bit for the last five months. 
XXXX - {$75.00} late fees minus correct {$15.00} late fee = {$60.00} overcharged XXXX - {$60.00} late fees minus correct {$15.00} late fee = {$45.00} overcharged XXXX - {$60.00} late fees minus correct {$15.00} late fee = {$45.00} overcharged XXXX - {$45.00} late fees minus correct {$15.00} late fee = {$30.00} overcharged XXXX - {$30.00} late fees minus correct {$15.00} late fee = {$15.00} overcharged Total overcharged late fee amount = {$190.00} On the mechanics bank auto website account history it shows 5 late fee assessments of {$15.00} each, so I'm not sure why there are 5 months of 2x to 5x the amount of the original {$15.00} late fees added on to my minimum amount due.
Complaint sub-issue: Account status incorrect

XXXXXXXX XXXX  XXXX This account should be reporting as " CLOSED, PAID AS AGREED ''. There was an UNAUTHORIZED charge made to this account in XX/XX/XXXX for the amount of {$130.00} by XXXX XXXX XXXX. XXXX XXXX XXXX was not authorized to process any payments on my behalf. I cancelled insurance with them in XXXX and have have no business with then since XXXX. See cancellation information. ALL derogatory information needs to be removed from my credit file immediately. XXXX responded that a correction was warranted on XX/XX/XXXX but have yet to update my credit file. It has been over 30 days. See letter from XXXX.
Complaint sub-issue: Information belongs to someone else

THIS ACCOUNT WAS SUPPOSED TO BE REMOVED. I PAID THIS ACCOUNT AND ITS STILL ON MY PROFILE. I AM TRYING TO BUY A HOUSE AND THIS PAID COLLECTION ACCOUNT IS CAUSING ME AND MY FAMILY HARDSHIP There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. 

Transaction Details -- -- -- -- -- -- -- -- -- -- -- - Date : XX/XX/21 XXXX Merchant : XXXX - XXXX Type : Credit Card Sale Invoice # : XXXX Amount : XXXX Description : XXXX XXXX Credit Card Holder : XXXX XXXX XXXX Card Number : XXXX ITS REPORTING AS XXXX XXXX  XX/XX/21 {$800.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXX XXXX XXXXr PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Other problem getting your report or credit score

Equifax refuses to tell me whether my SS # was stolen through them
Complaint sub-issue: No notice of investigation status/result

Confirmation # XXXX XX/XX/XXXX, Confirmation # XXXX XX/XX/XXXX, and Confirmation # XXXX XX/XX/XXXX - I have been sent numerous disputes to Equifax with regard to 2 credit card accounts " settled for less than full balance '' on XXXX # XXXX & XXXX. Both accounts DOFD go back to XXXX. Both Accounts were settled. in XX/XX/XXXX. I have requested these items be deleted from my credit report as I am in the process of trying to refinance my home and the negative information is stopping me from this process. As you will see by the uploaded documents the same comment appears " The creditor has verified to OUR Company the date of last activity is correct. Under the Fair Credit Reporting negative items are supposed to be deleted from 7 years of DOFD, last activity date means nothing in reference to this item beyond the 7 years of reporting. Each time it has been disputed I have asked the representative to provide me with written documentation from the Creditor showing these items have been verified. As you will see on the all the confirmations, none of that has been provided to me. I have contacted the creditor ( XXXX ) and they have told me nothing has been reported to Equifax in years since there is a " XXXX '' balance. Why does a credit bureau have the right to report information beyond the 7 years reporting time when a creditor stopped reporting to them years ago. This is my final attempt to have Equifax delete this information before a suit is brought against them for damages in XXXX County. These items have dropped off XXXX and XXXX in XXXX. 
I take my credit information seriously and I am hoping you do too!
Complaint sub-issue: Report improperly shared by CRC

Equifax once again is doing nothing but saying the have verified a debt it is impossible for them to do so XXXX is not being report but data mined the debt is in the amount of XXXX and they would not be able to verify it with the court I not able to please give me the name and the number of the person who does I will need to talk to the before court Equifax will not stop the practice of sharing my information with whom ever when ever
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX I learned from the Equifax website that my personal information which includes social security number, date of birth, address, credit info and possibly drivers license, was compromised. 

I was instructed to log back on the website XX/XX/XXXX to enroll in their free credit monitoring service. Really?!? 
This is absolutely unacceptable! 
I in no way trust this company and the fact that 3 Equifax executives sold stock with this knowledge prior to release to the public is illegal!!! 

Equifax should be financially held responsible for this breach! 
The fact that sensitive personal information was obtained by hackers is beyond unacceptable!!! '
Complaint sub-issue: Information belongs to someone else

This account does not belong to me they put an account that doesnt belong to me
Complaint sub-issue: Their investigation did not fix an error on your report

When I reinvestigated my credit report, I see that still the same accounts was erroneous. The XXXX credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2900.00}
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}
Complaint sub-issue: Public record information inaccurate

CHAPTER XXXX BANKRUPCY : BANKRUPTCY XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Complaint sub-issue: Information is not mine

In reference to CNAC-TX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I booked a nonrefundable flight through XXXX for {$470.00} but the flight was cancelled the same day by either the airline or XXXX without my knowledge. I filed a chargeback under the reason of cancelled goods/services. I provided all the necessary information, however, on XX/XX/XXXX I was informed that the claim had not been closed in my favor. The only reason I was given was that I did not provide necessary information when I had. My flight was cancelled without my fault or knowledge and I have lost the money. Case ID : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had an account with XXXX ( Acct. XXXX ). In 2018 I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of 2018 and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own.
Complaint sub-issue: Debt was result of identity theft

AFNI, INC ORIGINAL CREDITOR AT XXXX XXXX XXXX/XXXX/19 {$1600.00} placed for collection
Complaint sub-issue: Other problem

30 days no reply and I would like to get this account off my credit profile. 
1. debt has been sold and charged off to another agency 2.Date of Last payment dont match under all 3 bureaus 3.Credit limit and high credit is not the same for all 3 bureaus
Complaint sub-issue: Received bad information about your loan

I have one loan with Sallie Mae for {$15000.00}. I had a forbearance due to Covid. Which I had to call numerous times to allow the forbearance to go through. I was given the run around. And the situation had to be escalated more than once until my account was adjusted. In XXXX I informed Sallie Mae that I was returning to school and what would I have to do to get an in school status. I was told that I would not have to do anything and my status would change once my session started. However I started getting billed. And I started receiving emails about past due amounts. I called and Sallie Mae kept saying they were waiting for my status to change. I then asked my school to fax confirmation I was in school. Which they did on XX/XX/XXXX. I called XX/XX/XXXX to see why my status had not changed. They told me to wait until XX/XX/XXXX and if its no change to call back. It is now the XXXX and Ive had to call again because now I am being threatened to have a negative payment on my credit report. I called and told them Ive submitted paperwork and that my status should have changed by now. I was initially talked over and told that the paperwork was invalid. It wasnt until I talked to a supervisor that I was told my paperwork was correct and it should change in a few days. It is frustrating and mentally draining to have to constantly call about the same issue while they take their time to help resolve issues.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Avantus Llc reported I incorrect inquiry on my credit report on XX/XX/2019 I didn't sign any documents for them to pull my credit report by the fair credit report act it should be removed from my credit report if it can't be validity by the original sign document
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account with Equifax and the only response I get is verified. I ask XXXX XXXX/XXXX XXXX for VALIDATION since I live in XXXX  & this company seems to be in XXXX. 

My FCRA rights are being ignored and this is my next plan of action to get the XXXX & FTC involved until this is removed from my credit under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. I am being harassed at lease twice a week. I am seeking damages. I asked for the company to validate this debt on XX/XX/2017 according to FCRA 611 ( 15 U.S.C. 1681I ) but they just ignored the request and kept on emailing me.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I graduated in 2012 and have been making payments monthly for a {$7500.00} Discover Student Loan. My current payoff is {$9800.00}. I have already paid $ XXXX towards this loan. That breaks down into {$1300.00} going towards principal and roughly {$7500.00} paid towards the interest. The interest alone is more than the original loan. So I asked them about lowering my interest rate or allowing me to refinance so that I can pay down more on the principal. The ONLY offer they have for lowering the interest rate is to save a quarter percent by switching to Auto Pay. They will not allow me to refinance with them and because of this loan I can not get another loan to cover it. I will end up paying triple for this loan and not even pay it off until I'm in my 50s.. Please help!
Complaint sub-issue: Personal information incorrect

he credit bureaus are reporting inaccurate/outdated/incomplete personal information.
Complaint sub-issue: Reporting company used your report improperly

I demanded verifiable proof be submitted to the consumer in writing. In the form of testimony ( via affidavit ) given by trained personnel described in Section 610 ( a ) ( 1 ) [ U.S. Code 1681h ], pursuant to Section 609 ( a ) ( 1 ) [ U.S. Code 1681g ]. These claims have NOT been substantiated by the alleged creditors. 

Failure to positively verify these accounts now constitutes malice and willful intent to cause injury and suffering to the consumer and causes damage to my ability to obtain credit. 

Under the FCRA, as these accounts have failed to be substantiated, they now must be removed. 

I demand the following accounts be removed immediately. 


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