Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I do n't have the original receipt but in either mid-XX/XX/XXXX/early-XX/XX/XXXX, I purchased a couch from XXXX on XXXX XXXX in XXXX, IL. I originally used my bank 's debit card, in-store, transaction went through smoothly. Less than a week later, the couch went on sale ( {$20.00} reduction ) and was told they would adjust the purchase to the sale price since it was just a couple of days between the purchase and the sale. On XX/XX/XXXX, I received a fraud alert from my bank requesting that I authorize a department store charge in the amount of {$910.00}. It seemed odd because I had already paid in-store approximately a month prior. I checked my account online and saw that XXXX made the charge in store, reversed it and then charged my card again on XX/XX/XXXX. I authorized my bank to approve the charge. However on XX/XX/XXXX,  XXXX again charged {$910.00} triggering my bank to send another fraud alert. At this point, I was annoyed with XXXX dipping in and out of my account ( for the 3rd time ). I attempted to contact XXXX to send them a check for the payment to settle this entire thing. After much back and forth with that, I sent them a check which took them nearly 3 months to process. Fast forward toXX/XX/XXXX, XXXX is again calling and emailing me saying that I owe them {$910.00} for the couch I purchased 2 years ago. I have the cancelled check from my bank but my experience with XXXX unprofessionalism, and horrible accounting processing has completely put an end to me ever dealing with them again. By the way, I was told when I paid the full amount by check, they would process and adjust the price and refund me the difference to reflect the sales price ... never happened.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, The problem has not been fixed my two banks can't connect to see my credit report. I can't see anything past XXXX, I'm still missing XXXX, XXXX, and XXXX. Equifax just sent me a physical report which is not what I need. 


PLEASE SEE ATTACHMENT, I logged into the website on the XXXX and the data only goes back to XXXX the issue is not fixed. 

Again Banks can't pull my credit score, I need help fixing the issues. I also tried multiple credit monitoring company they can't see anything as well.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Problem making or receiving payments

On XX/XX/XXXX I made a deposit through the ATM a check for {$75.00} from XXXX XXXX made out to XXXX XXXX XXXX XXXX was caught in the machine Debit card associated with this transaction. I called Key bank that evening and the customer service rep told me it would take 2 days to clear up. On XX/XX/XXXX I went into Key Bank and I was told they had the check. I talked with a woman XXXX ( not the correct spelling of her name. She called me on XX/XX/XXXX and told me the were depositing this check into the account. THIS NEVER HAPPENED. I went to the bank on XX/XX/XXXX The manager told me the check was in dispute, and she would have XXXX call me. Which she never did. Extremely poor Customer Service with zero follow through. I requested from the manager the check back ... the issue is still not resolved. I have heard nothing from KEY Bank. 

The name on the account is XXXX XXXX XXXX XXXX .... My name is XXXX XXXX. I am asking that this bank IS INVESTIGATED, and this problem is corrected immediately. 

Thank you for you timer in this mater XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

See attached documents detailing blatant violations of my consumer rights
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX XXXX mailed me a Judgement For Plaintiff notice on behalf of Discover credit card. XXXX XXXX XXXX claims I was served a summons on XX/XX/21. I was never served a summons. Total amount payable to plaintiff is {$9.00}, XXXX, according to this default judgement. I was never notified of a court date. XXXX XXXX XXXX claims the complaint was filed on XX/XX/21, and a copy of the complaint and summons were served to me, XXXX XXXX, on XX/XX/21 " as appears from the officer 's return. '' I was never served.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A company called Credit Plus made three inquiries on my credit report on three consecutive days. I never gave them permission to do so.

They then supplied my credit scores to a lender but the scores they provided were over 50 points lower than my actual scores.

I
Complaint sub-issue: Debt is not yours

Jefferson Capital System continues to report false information on my credit report. They are not the original creditor and I reserve all my rights under UCC 1-308 without recourse, I have no contract with Jefferson Capital System, my middle initial is XXXX and they are using XXXX. in a name that sounds like my own. I believe I'm a victim of identity theft by their company and would like this situation resolved before I seek filing charges. Under 609 of the FCRA I have rights that are being abridged. They can not swear under oath that I owe a debt.
Complaint sub-issue: Problem with customer service

I took out a loan with Discover Student Loans around XX/XX/XXXX. At the time the loan was taken out, Discover Student Loan transferred the servicing of the loan to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX and Discover Student Loans informed me that, Discover was going to take over the servicing of the loan. Once Discover took over the loan in XX/XX/XXXX, I no longer received phone calls or statements regarding loan. My co-signer received all the phone calls instead of myself who was the primary borrower. During the month of XX/XX/XXXX, I spoke with Discover roughly 5 times regarding the handling of the loan was advised the following : 1. My number was not in the auto dialier used by Discover and representative submitted a request to have my number manually added 2. Discover claimed that on the 2 separate occasions they attempted to reach me that my number wasn't going through their phone system 3. My number was included on the TCPA and therefore Discover wasn't allowed to legally contact myself ; however, I have a legal obligation with Discover Student Loan to repay the debt. During a phone call on XX/XX/XXXX I explicitly provided my consent to Discover to be called and communicated with about this loan. 

I also asked for a complete signed copy of the loan agreement from when the loan was taken out ; however, Discover has not provided that to me.
Complaint sub-issue: Reporting company used your report improperly

On XXXX, I submitted documents for an employment data report from The Work Number by Equifax. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. 

After getting no reply, I submitted a new request and set of documents on XXXX. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. 

I submitted a new request once again on XXXX after not getting any feedback and included the above reference numbers as a reply. I did get a response from that said there were no attachments found in my prior submissions. That is clearly wrong as evidenced by the referenced screenshots. I informed Equifax as much in a subsequent reply that, once again, included the requested documentation. The reference number is XXXX. See attachment XXXX '. 

After submitting the reply on XXXX, I also attempted to call Equifax in order to speak with someone that could confirm that the documents were received. I was unable to find any option in the phone tree for someone in that department specifically. I did speak to someone that I believe was general support for The Work Number by Equifax and they were supposedly able to get a message forwarded to a XXXX regarding this issue, but it appears that has not helped.
Complaint sub-issue: Called before 8am or after 9pm

I owe a conns bill of XXXX plus I got behind on my payment due to trying to pay for college. I told them I will try to pay when I can and they insist on me giving them my credit card information. I told them no. I will pay when I can. I get calls from XXXX XXXX to XXXX XXXX every day even weekends. I have even ended up in the hospital from all the stress of the calls just non stop but they call from a lot of other numbers to many to add here, from all over the state. I know I owe this money, I am just not able at the time. At this point I stopped answering my phone and have a recording stating my number is on do not call reg. sinse XX/XX/2016.
Complaint sub-issue: Not given enough info to verify debt

I recently decided to sign up for a credit monitoring service so I could check and monitor my credit. My family is looking to purchase a new home in the near future. Upon doing this I noticed some collections that are of big concern to me and I feel are in violation of my rights. ProCollect is stating that I owe them {$270.00} three times on my credit report from a company called XXXX XXXX XXXX XXXX. The account numbers are Procollect # XXXX, XXXX & XXXX. In addition, all XXXX dates reported are for XXXX 2015. I have never visited this company in order to get XXXX bills for the exact same amounts. I have written ProCollect starting XX/XX/XXXX and they have not validated that I have XXXX medical debts for the exact same amounts with the same company. I can not get anyone from Physicians Emergency care when I tried calling to verify I have XXXX bills owed for the same amounts. Since ProCollect has not verified the accounts after 2 attempts by mail. My belief then is that they are in violation of the Fair Debt Collections Practices Act and the Texas Finance Code for placing multiple collections on my bureau for the same thing. Due to this it is my belief that they should be removed ASAP from my account.
Complaint sub-issue: Information belongs to someone else

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention :
Complaint sub-issue: Problem with balance transfer

I wrote out a balance transfer check for {$2500.00} that was deposited by the recipient on XX/XX/2020. I was charged {$2900.00} on my credit card account, plus the 5 % transfer fee which is now {$20.00} over. I have been in contact with Citi card multiple, multiple times ; I have been hung up on after being stuck on hold for long periods of time. I have a copy of the canceled check showing it was for {$2500.00}. I received that about two weeks ago. Every time I call, I keep getting the same answers - it's being investigated, 7-10 business days, 2-3 business days, investigation is open. Citi literally stole {$420.00} from me ; since they won't fix it, it's theft to me. I don't understand how this can't be resolved. If I have a copy of the canceled check, then THEY have a copy of the canceled check. I've seen many complaints on social media about very similar situations with Citi card, and some have been going through this for months!
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( EQUIFAX, XXXX and XXXX ) about a bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XXXX XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent letters in regards to the incorrect information that is on my credit profile. I have yet to receive a response and it has been over 60 days. I'm very unhappy that I have been ignored and I have been very patient. It has been a rough time during this pandemic and I am trying to purchase a house for my family but being that there is incorrect information on my credit report it is hindering me from doing so. It has also cost me thousands of dollars each year due to the incorrect information. Being that it has been over 60 days and I havent received a response. I demand that these accounts be deleted. I will not keep waiting and waiting. An investigation should have been done by now, now I NEED the items deleted being that they havent done their job in the appropriate amount of time. I'm very knowledgeable of my rights and if items arent deleted I will be filing for litigation due to all the stress Ive been caused due to being ignored.
Complaint sub-issue: Trouble with how payments are being handled

Called numerous times attempting to change account status to " out of school '' as I have now graduated 4 months ago. Loan service officer indicated that changing this would be possible with paperwork, however never sent paperwork to allow me to change.
Complaint sub-issue: Account status incorrect

I am a XXXX university XXXX   in my second year, recently, I was curious about my current credit score, So I decided to check, and to my surprise, some of my student loan debt was listed as unpaid. My questions is, if i'm still a current student an have not finished school, how or why would my student loan be due, it has not been 80 days from one term to another. how is this possible? What steps can I take to remedy this, the purpose of going to school is to be a more productive member of society and contribute overall to the gross national product, when I'm in so much debt from my student loans debt before I even start to work. this appear to be a very scruples action, perhaps inadvertently, I'm not sure. please help!!
Complaint sub-issue: Reporting company used your report improperly

Equifax had a security breach stealing all of my information
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 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 homeless  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Account status incorrect

Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX several times. I still managed to make my payments. VW posted my payment late but I paid before the 30th day. 
XXXX XXXX credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed. 
XXXX is completely paid in full and I never received any bill or notification that my bill was due. 
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX. 
XXXX XXXXXXXX report of a late is inaccurate. I paid before the 30th day. 
XXXX did not update my report on my XXXXXXXX XXXX  account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time! 
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated. 
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank. 
XXXX ; XXXX reported late payment. Payment wasnt late and XXXX XXXX updated. Please see XXXX for accurate information. 
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.
Complaint sub-issue: Trouble with how payments are being handled

I am currently going through XXXX. XXXX XXXX sent emails on Portal about completing Income Base Driven forms. Due to my health, XXXX, and XXXX I was not able to fill out the forms. Fed loans substracted {$1200.00} from my banking account, even though I have never had to pay before because of my income. I have trying calling to get assistance and they rush me off the phone. I am at a lost and don't know what to do. They won't give me the information about getting a refund.
Complaint sub-issue: Investigation took more than 30 days

i have send numerous letters, disputing errors on my credit report to experian, all letter go with a copy of my driver license, voter registration and social security card, they dont remove the errors, i am tired of their incompetence and refusal to respond and correct the issues 1>-Statements Personal Statement ( s ) XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
I never ask for this and have 3 letters to have it removed 2.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies I never applied for a loan, they dont ' have anything from me 3.-XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific never did i do an application either
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX 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 also states consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information is not mine

I am trying to get one of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to me.