Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

I moved XXXX and let my recently widowed stepfather and motherless sister move in after me. I left the cable plan going for them, too, which I had with XXXX. 

They bounced checks and did not tell me, nor did XXXX. Once XXXX had had enough, they canceled the service, seized the equipment in person, and put on fees for returned checks, early termination, and for the equipment that was seized. They sent the debt to a company called AFNI. 

AFNI asked that I pay some {$1400.00} for not paying a cable bill - when asked to justify that amount they said I had to call XXXX. I did. XXXX said they charged me for the equipment - I said I 'd pay what I owed, but not the equipment, since my family told me that someone came and took it. XXXX said to wait while they did inventory, and to not pay anything to anyone until they did, and then after to pay them directly. 

I waited. 

XXXX said they found it and the new amount was some {$970.00}. I asked if it was on my credit report yet, they said no. I asked what I had to do to keep it out of my credit report, and did exactly what they said I had to do. They offered a payment schedule plan and I said I could do it in two months, and did. 

After the first month 's payment AFNI put a hit on my credit report. I called XXXX and they said it was a mistake, that they 'd delete it, and that once I paid the rest they would do so. I did. Nothing happened on their end. 

I called back over the course of months trying to get them to do what they said they would do, to honor their original agreement to not put anything on my report or to delete it once it was put on there. I got mixed answers ranging from " some other department will do it '' to " we will call you back '' to " the last person lied we do n't do that at all. '' I appealed directly to the credit agencies and XXXX and XXXX deleted it quickly, without incident. XXXX says that I " settled and paid less than the full amount '' ( I did not, they asked me to pay more than I owed in the first place! ) and that I defaulted ( I did not, I paid exactly as they told me to, and explicitly asked what to do to keep it off of my credit report, and did as told ). 

XXXX states that AFNI claims they own the debt and that it 's mine, despite XXXX being paid by me directly and AFNI 's refusal to work with me regarding the amount I actually owed. XXXX refuses to either delete it or correctly remark that I did not settle for anything, but rather paid what I was told I actually owed in the first place. 

XXXX records all of their phone calls and refuses to give me copies of these calls despite telling me they would in XXXX6 weeks in XXXX. It is now mid XXXX. 

Do not trust XXXX. Do not trust AFNI. Do not do anything without getting it in writing. Stay persistent if this ever happens to you, and do n't try to throw your family a bone after your mother died.
Complaint sub-issue: Their investigation did not fix an error on your report

There are still unauthorized inquiries on my consumer report. My consumer rights are constantly being violated by this company.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX this account is involved in XXXX XXXX XXXX XXXX this account is involved in XXXX XXXX XXXX  XXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, Engelhadt V. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.
Complaint sub-issue: Information is not mine

I disrupted all on my credit I did n't recognize on equifax rep ort .I call  them also.Iam a victim of identity theft notified by the  Us  Department of justic e case  #  XXXX  They caught one per son using my information. But equifax told me to file a police report. I have proof that my identity was stolen by the letter from the Department Of Justice.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

These is a XXXX bill located on the equifax profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX I ask for a PIN Number involving my Equifax Credit Freeze Confirmation Number XXXX. And XXXX XXXX me, went through fouXXXX more Equifax Confirmation Numbers after asking for a PIN Number to my Equifax Credit Freeze Report. And after asking for a Pin Number to my Equifax Credit Freeze Report. And after five tries one Equifax Representative stated on XX/XX/XXXX, that a creditor reported my address as being XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

This iswas totally incorrect, wrong. I, XXXX XXXX left XXXX, TX on XX/XX/XXXX and moved to the XXXX XXXX XXXX, in XXXX XXXX, GA. And my address was and has been XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX , GA XXXX since XX/XX/XXXX. Then I asked WHICH CREDITOR? 

Even my XXXX XXXX XXXX as well as the Veterans Administrations are aware of my address change since leaving XXXX XX/XX/XXXX. And I have received appointment notices to my XXXX XXXX, GA Address since moving to this address. 

And what is so troubling about these five tries is that my address information has been compromised by a clandestine creditor, one made up by operatives involving the false traffic alleged citation from the lying XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX. 

And what makes this so ridiculous is that Equifax sent me my XX/XX/XXXX XXXX  Score to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. My First legal name was XXXX which was changed XX/XX/XXXX. However, both the XXXX as well as that of the XXXX XX/XX/XXXX reflects the same first name. So how is it that a clandestine creditor can report my current address and change it to my old XXXX TX Address. Thus the privacy and the communications of an address change has been fraudulent done via the permission of Equifax without notify me nor sending any information that my address has been changed since XX/XX/XXXX from being my XXXX, GA address to that back to my old XXXX XXXX XXXX address. 

This is criminal and I want to be highly compensated by Equifax in the sum of XXXX  XXXX ( XXXX XXXX Dollars ) for their actions of allowing my privacy to be violated. So who is this unknown clandestine creditor that involved knowing my PRIVACY as well as pertinent information. Whom was allowed to change my address without me, XXXX XXXX knowing about it and agreeing with the change. 

Plus, Equifax has failed to reveal who this XXXX creditor is that violated my privacy as well as my Personal Credit Information. This is criminal and I blame Equifax for allowing such without a consent and agreement by me XXXX XXXX of the XXXX, GA Address. 

Because all of my CREDITORS including the banks whom I have credit cards with as well as Department Retailers, XXXX  XXXX, XXXX and the U S Postal Service. All knows and are aware of my current address as being XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX since XX/XX/XXXX.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I did a short sale on my house. I was due to pay {$15000.00} over 8 years ( beginning in XXXX of XXXX ) the additional debt owed on my mortgage {$35000.00} would be charged off and I would need to submit a 1099-c to IRS for the remaining balance of {$20000.00}. I have a document stating this that is signed as part of my short sale process. XXXX XXXX is claiming that they are collecting the entire balance of {$35000.00}. Also, I have asked repeatedly for a document that shows my payments and the remaining balance on the debt. They have have given me a doc once of the payments that I have made, that doc was given to me XX/XX/XXXX, they have refused to give me the remaining balance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act., VANCE & HUFFMAN XXXX XXXX has violated my rights. 

15 USC 1661 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent or instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Trouble with how payments are handled

XXXX or five years ago my husband & I went through Chapter XXXX which was dismissed XXXX 2016. When we filed we were told my student loan was not included, which was fine. I planned to continue paying ; however, the loan disappeared and I had no way to pay. The loan was with Nelnet and after the bankruptcy was discharged, I received an email from Nelnet telling me my loan was now two months overdue. Then I received a letter from XXXX which is a collection agency for student loans. My frustration is in the lack of communication from Nelnet. I am no longer interested in dealing with them due to their poor handling of my situation and XXXX has n't been any better, although recently I received a letter from them saying that Nelnet sold my loan when we filed bankruptcy and then bought it back after the bankruptcy was dismissed. I am furious because if they would have allowed me to keep paying, it would almost be paid off by now but they took my ability to continue paying away and randomly did their own thing without communicating with me. Even now, they have not communicated to me anything but demands for payment. They took my right to pay away when I was willing to continue paying. Collection calls do not count toward effective communication. They ca n't just show up after all these years and tell me my loan is overdue.
Complaint sub-issue: Public record information inaccurate

XX/XX/XXXX I submitted a dispute concerning a chapter XXXX bankruptcy which was discharged in XXXX By law a chapter XXXX bankruptcy can stay on your report only 7 years.
Complaint sub-issue: Their investigation did not fix an error on your report

15 Us Code 1681Congressional findings and statement of purpose under ( A ) Accuracy and Fairness of Credit Reporting ( 4 ) states There is a need to insure that consumer reporting agencies excercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. Equifax did not excercise their grave responsibilities with fairness doing this investigation. I called Equifax and told them I need verification of this account with paperwork and all the documents sent to me by mail of this account from XXXX XXXX and they told me they will send the documents proof of account. I have not gotten any paperwork of account. The conclusion of the first investigation that the account was closed. I know the account is closed but this account need to be verified with the proper paperwork or has to be removed altogether from my credit report by law. I as a consumer is not aware of any debt from XXXX out of XXXX Md. This credit report is being stated without my consent and I did not authorize Equifax to give this report Us code 1681b permissiable purpose of consumer reports ( 2 ) I have to instruct you by law to give this report and you have to have my consent. I have reached out and ask for information multiple of times for verification. You have to provide proof not just give your word that I owe any debt that I am not aware of by law. I as a consumer and the XXXX  need the paperwork to be sent and proof of account. If account cant be verified with paperwork, it has to be removed altogether. Equifax also just admitted that they gave false credit scores from mid XXXX to early XXXX due to a glitch with the system. I was affected with that also. By law you cant give out false information.
Complaint sub-issue: Trouble with how payments are being handled

I have student loans with AES, this is the third time that I have had to file a complaint. Once again, before the student loan freeze is over, AES is sending me threatening letters about repayment. The two times previous they have had to remove the current charges, but in both cases, I have had to file a complaint with your office. At what point, does the CFPB reach with AES that it sees they are nothing more that a predatory lending operation? Even with the loans suspended, I have tried to continue to make some form of payment, but these people feel they are above the law. Once again, please enforce the freeze on these people, they can't seem to police themselves!
Complaint sub-issue: Company closed your account

I opened a high yield savings account on XXXX with citibank and they debited my account for $ XXXX. I called on XX/XX/2020 to activate my debit card and was told that my account was being closed due to fraud and to call XXXX ( XXXX XXXX ) to obtain details for negative activity. I called the number 3 times over the course of an hour and NO ONE answered. i called citibank and told them I wasn't getting a response and they said there was nothing they could do. I asked when I would get my $ XXXX back and they told me between 30-60 days, and that is unacceptable especially when you took the money a couple of days after opening the account and I expect the same expediency in returning my money. They told me the decision to close my account was final and would not be reversed even though I haven't done anything wrong. So I'm writing this complaint to get my money back and dispute their closure of my account. They're basically stealing/withholding my money for 2 months putting me in financial hardship.
Complaint sub-issue: Problem getting report or credit score

I have been denied credit within the past 2 weeks because lenders have been unable to pull my Equifax credit report. I attempted several times within the past week to obtain my own reports through the Equifax site but when I do, I receive an error message. A hold is placed o my credit card for each attempt but no credit report is produced. By not being able accessing my report, I am unable to make important financial changes. Customer service has not been responsive and has been unable to help me. I have no active credit freezes or alerts on my file that should prevent me or a lender from obtaining my report
Complaint sub-issue: Problem with product or service terms changing

I was a victim of identity theft and multiple banks were tried to open a line of credit under my name with my information. XXXX XXXX XXXX XXXX did not accept the application because they couldnt verify my identity. XXXX XXXX XXXXXXXX also denied the application and called me to verify if it was identity theft or not. XXXX XXXX XXXX  however, let the account be fraudulently opened under my information, and let a large balance be accrued. I had to freeze all 3 of my credit bureaus and report to the FTC about my identity theft. I opened a claim with cXXXX XXXX XXXX, and the person I spoke with on the phone said to file the claim online and they would fix the account and balance that I did not personally open. After I followed all the steps to report this account as fraud and identity theft, XXXX XXXX XXXX  denied my claim, and is saying that I opened it and they are requiring me to pay a balance for charges I did not make. This needs to be overturned and resolved. I will not be a victim that pays for something I didnt charge, on an account that I did not open. This whole event of having my identity stolen has been grueling enough to deal with. The bank needs to update its security measures to ensure that people who are opening accounts have their identities verified, instead of just letting things push through.
Complaint sub-issue: Personal information incorrect

These addresses are in correct and inaccurate : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Complaint sub-issue: Information belongs to someone else

I noticed two accounts that are not mine and invalid from XXXX for {$3100.00} & another one from XXXX for {$2000.00}
Complaint sub-issue: Account status incorrect

In XXXX of XXXX, I purchased an XXXX XXXX as part of my XXXX XXXX. 

One year later, XXXX of XXXX, I paid the phone off early and moved my service to XXXX. 

Unbeknownst to me, XXXX continued billing me $ XXXX for data charges for the remainder of XXXX with the final balance being {$230.00}. These bills were being sent to an old XXXX address that I was no longer using so I was unaware of the charges. 

In XXXX of XXXX, XXXX moved the account into collections at IC System. 

After being contacted by IC System, on XX/XX/XXXX, I paid IC System {$230.00}. I paid the amount IC System said was due to XXXX and was informed that the account was paid in full. At that time, the account was not showing up on my credit report. I received documentation from IC Systems stating the XXXX account balance was XXXX. 

In XXXX of XXXX, I saw that I had a collection from XXXX for {$2.00} on my credit report. I contacted XXXX, was told there was still an outstanding balance, even after IC System said the balance was paid in full, and I paid them {$2.00} at that time. The {$2.00} plus the previously paid {$230.00} equals {$230.00} which was the amount of my final bill from XXXX that I just recently found in my old XXXX email account. I dont know where the disconnect was between IC System and XXXX on the amount due but it has caused nothing but issues for me. IC System collected the wrong amount and XXXX put the remainder ( {$2.00} ) on my credit report. 

It was in XXXX of XXXX that XXXX first re-aged my account on my credit report. At that time, it had been appearing as a charge off dated XXXX of XXXX. After I paid the {$2.00}, they changed it to XX/XX/XXXX. 

Although I paid the full {$230.00}, the account is still showing on my credit report as legally paid for less than the full balance. 

Im working on getting a business line of credit and need to have this XXXX collection removed off of my credit report. I contacted XXXX and asked for a goodwill deletion. I had been a customer for many years, never in collections, and paid the amount that was due after the account was closed immediately upon learning about it. 

XXXX replied back declining the goodwill deletion and stated that the payment I made was made in response to a negotiated settlement offer. Not true. 

Just this past week, I am seeing that XXXX has once again re-aged the charge off. This time it is appearing as XX/XX/XXXX making it look like a fresh charge off.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( 2 ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( 2 ).

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates. 
You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Used obscene, profane, or other abusive language

I have been receiving repeat threats from a company called the XXXX XXXX XXXX. I have sent 3 different debt 609 validation letters to this company without a response. However today I received a call from this company and spoke with a XXXX XXXX who proceeded to be very rude and say this debt was mine and I made payments on this card and it is mine. I advised him that this debt was not validated properly. He advised me that the debt was mine and that I needed to pay it with very abusive and threatening language. I asked him was he allowed to even licensed to collect a debt in my state and he refused to answer my question. He told me that he would update my account as a refusal to pay and that they would keep calling my phone. I am outraged that this is happening to me and that I am being harassed in such manor. I did not give this company permission to call me or place this debt on my credit and this is a violation of my rights.
Complaint sub-issue: Account status incorrect

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. 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 inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Application denied

I have applied multiple times for the XXXX XXXX and because no one at the bank calls the number on my Fraud Alert they decline application as unable to verify identity.