Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered 2 truck doors from an online seller. The online seller said he only accepts XXXX and told me I must use the friends and family method thru XXXX. I did not know any better since I never purchased anything thru XXXX in this manner. The seller turned out to be a scammer, because if I used the regular XXXX  method he would be required to reimburse me the funds I paid him if I complained. Since he scammed me using this XXXX method, I filed a dispute with Sears credit card since this is the credit card attached to my XXXX account. These truck doors are very heavy and cost me almost {$200.00} to have shipped. The doors I ordered were not as described, they were in horrible shape and had rust holes everywhere. He took the pictures as to not show any of the defects and his online add said they were 99 % rust free and he even told me on the phone that these doors were in excellent condition. 
Sears said I had to return the doors to get a refund, I tried to explain to SEARS that this wasn't some small package that cost {$5.00} to return, that it was a very large item that would have to go truck freight and would cost about {$200.00} to ship. I've already paid {$200.00} to get them shipped to me. Since the online seller deliberately scammed me by selling me something that wasn't as described, the seller should pay for the shipping. I told SEARS they should be defending me, since I am their customer and have been an upstanding customer for many years. Instead, SEARS took the side of the scammer and insisted I pay for the shipping. I argued this point with SEARS over and over but they insisted I return the doors. When I contacted the seller/ Scammer and said I was going to return the doors, he said he was going to refuse the shipment and said he told me they were sold as-is. When SEARS called him, he told SEARS he would accept them back, but tells me he will refuse the shipment because I gave him a bad review. You see he knows how to work the system. I paid {$660.00} for the doors plus almost {$200.00} for shipping. why would I ship them back to satisfy SEARS knowing he won't accept them and then Id have to pay for shipping back to me again. If I did that, I'd be out for almost {$600.00} in freight charges plus the {$660.00} I paid for the doors. I am stuck, please help, SEARS is being unreasonable.
Complaint sub-issue: Used obscene/profane/abusive language

Multiple people called from Direct Capital, claiming to have an account of over {$11000.00} in my name for a bad check, said they would settle for {$1000.00}. They also claimed they were a mediation company and did not have any information other than the amount owed. Would not give me any information regarding the account or what it was for - when I asked for more information and documentation, I was hung up on by a representative as well as a supervisor. I recorded the conversations for documentation. I called back 3 times, each time to be yelled and berated by the representative. I told them I would not settle anything or confirm anything until I received documentation showing what the debt was for. They sent me an email that did not display any of the information needed and have continued to call, from varying numbers as well as my work. This is not only frustrating, but embarrassing. If I do have a debt, I will take care of it, but so far it seems like they are a scam harassing people for reasons they are not willing to disclose.
Complaint sub-issue: Debt is not mine

Avante will not provide me with any proof that the debt belongs to myself furthermore I 've called the hospitals and they have no record that I owe anything it gets removed from my credit and then put back on every 90 days
Complaint sub-issue: Was not notified of investigation status or results

Hi, I sent certified mail requesting Assignment of Debt, validation of Debt and Method Verification for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX I have never received the requested information.
Complaint sub-issue: Old information reappears or never goes away

Please update my documents My current license is from Tennessee And whatever case That seems pending Case was resolved and closed with a withhold adjudication no point no conviction. Please find attached the court case summary of the citation. The record you pulled its not an official Driving record, so it does not give the full detail of the case on your record. 

Here is my case worker and lawyer info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX
Complaint sub-issue: Account information incorrect

Ally shows two 30 days missing paying on a car loan, one in XXXX and the other in XXXX. 
XXXX only has 28 days and 29 on each leap year. 
Ally shows payments in XXXX and XXXX as being paid as agreed. How did XXXX account for 30 days in the month of XXXX? 

If this was a computer error and automatically generated it should be corrected.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

( XXXX XXXX XXXX  )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I've been trying to get information from Equifax for the last 3 weeks since XX/XX/XXXX regarding an inaccurate reporting on my credit. The account they are reporting dropped my credit score by 112 points. I have plenty of documentation from XXXX proving that what is being reported by Equifax is inaccurate and XXXX has sent and resent the information to Equifax multiple times. I have letters, bank receipts, confirmation numbers, reference numbers and everything from XXXX and Equifax refuses to give me any information regarding a dispute. Equifax is reporting I have a {$170.00} collections bill that still has an open remaining balance of {$170.00}. This account was closed and PAID IN FULL with a {$0.00} balance directly to XXXX. I had even made a payment on XX/XX/XXXX to XXXX XXXX XXXX and this account says it started on XX/XX/XXXX. How is it possible to be paying a company and have Equifax report a collections account?!?! I have filed disputes with all 3 credit bureaus. XXXX  and XXXX  resolved the issue immediately ( removed from a credit report with a fully restored credit score in the 700s ), however, Equifax refuses to provide me with ANY information. Every time I call the company, I get someone who doesn't speak any English reading from a literal script. I've been hung up on twice for no reason. When I ask to speak to a supervisor, they either hang up on me or tell me one is not available. I am forced to provide my entire Social Security Number and information that neither of the other two Credit Bureaus ever asked for. My security is at such a high risk with this company. I just want one simple account to be removed from my credit report just like the other two companies did. I can't even access Equifax 's website to do anything because it doesn't work properly. My credit score is 700+ on both XXXX  and XXXX  but remains at XXXX in Equifax . It's ruining my life dealing with this company.
Complaint sub-issue: Investigation took more than 30 days

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION XXXX XXXXXXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, Dept of Ed/XXXX  ACCOUNT XXXX XXXX, Dept of Ed/XXXX  ACCOUNT # XXXX XXXX Dept of Ed/XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, ACCOUNT XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I requested debt validation from XXXX and Equifax and received nothing to validate the debt. I have disputed with accounts several times and they sent a letter saying they changed addresses but didnt send a letter answering my request. The debt does not belong to me and they havent sent any verifiable information to say it does.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : CHAPTER XXXX BANKRUPTCY-XXXX CHAPTER XXXX BANKRUPTCY-XXXX  CHAPTER XXXX BANKRUPTCYXXXX
Complaint sub-issue: Information belongs to someone else

Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX  : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
Complaint sub-issue: Problem with statement of dispute

I received a copy of my credit report and discovered a tax lien. I disputed the tax lien and asked Equifax to verify the lien. Equifax updated the status of the lien as released. I called Equifax and spoke to a representative who stated they verified the information that I was disputing. XXXX XXXX of XXXX says it was obtained through a third party vendor, XXXX XXXX. I called XXXX XXXX and they reported because I have a security freeze they could not release any information on my credit report. Equifax LIED and said they verified information when they have not which is a straight violation of the Fair Credit Reporting Act.
Complaint sub-issue: Trouble with how payments are being handled

This private lender servicer ( Firstmark ) is not applying payment principal correctly. I've asked them twice to tell me why the amount applied to principal for every payment varies so widely. For example, the last two payments were made within a day of each other : 1. XX/XX/20 payment : {$120.00} principal, {$42.00} interest 2. XX/XX/20 payment : {$83.00} principal, {$86.00} interest They then sent me a standard response about how they calculate. Using their own computations, I can't get the distribution above. 

This is just two examples. 

My daughter borrowed {$8300.00} originally from XXXX XXXX XXXX. Then they " capitalized '' thousands of dollars in interest, and now my my daughter owes more than she initially borrowed. This is a travesty - she attempts to improve herself with a great education, and she ends up owing money to legal loan sharks. 

Please help her and me. I am a co-signer for her loan. 

Thank you. 

XXXX XXXX XXXX
Complaint sub-issue: Can't get flexible payment options

Was in year 3 of my XXXX degree in XXXX XXXX. I pulled out loans each year with Sallie Mae. Could not afford to pay for University out of pocket. I applied for year XXXX loans and was denied due to a " high loan balance ''. Now they want {$910.00} a month in repayment. Without a degree I am unable to find work paying high enough to afford {$910.00} a month and any attempt in having the loans put on income based repayment have been met with " we do not offer income based repayment on private student loans ).
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9100.00}, {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

I have no affiliation with the furnishing company nor have they provided any services to me. They've not provided the verification method or valid information linked to my accounts. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account name : Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States. No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) section States. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX, my mortgage was sold from XXXX XXXX to XXXX XXXX. XXXX XXXX has not had my account since XX/XX/XXXX. In XX/XX/XXXX, they reported the account was 120 days delinquent in XX/XX/XXXX lowering my credit score. This is an error. I have contacted XXXX but they have not come up with a resolve as of yet.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once
Complaint sub-issue: Information belongs to someone else

XXXX XXXX {$0.00} Closed 2 late payments This account does not belong to me please remove
Complaint sub-issue: Information belongs to someone else

one collection has been reporting under my equifax credit file, i have disputed several times but they come back and say it has been verified, an d i am sure they are not even disputing this inaccuracy, cause many times they have ignored my and my request. please have this inaccuracy removed from equifax credit agency. only they are the ones who are reporting this fraud account. 
please you are my last hope i call the collection agency they dont even have my information in their data base, not even my social or my name, they checked many times an i even know that i dont have any collections. i will be attaching my police report and the FTC report which i provided. thank you for your cooperation
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/XXXX, I called to inquire about my account because I was unable to use my accounts at a merchant. I was told that my accounts were closed for my protection because of a large number of purchases I made for my business at XXXX XXXX and some incidental purchases of gift cards. 

On XX/XX/XXXX, I received three letters from U.S. Bank indicating that all my U.S. Bank and Elan Financial Services credit card accounts had been closed. 

On XX/XX/XXXX, I sent a letter to U.S. Bank stating my concerns and requesting that my accounts either be reopened, or that I be paid for the rewards associated with the closed accounts. 

In late XXXX, I received a letter dated XX/XX/XXXX stating that U.S. Bank would neither pay my accumulated rewords nor refund the annual fee that I had paid. 

The losses U.S. Bank caused me through their adverse action are as follows : XXXX points awarded to my XXXX XXXX card, worth {$1100.00} when redeemed for travel at XXXX cent per point {$180.00} in rewards from my U.S. Bank XXXX XXXX XXXX XXXX, as of my XX/XX/XXXX statement {$400.00} annual fee I paid for the XXXX XXXX card
Complaint sub-issue: Information belongs to someone else

Equifax is failing to investigate the incorrect credit report from XXXX on my credit report. Equifax is failing to investigate the incorrect credit report from XXXX on my credit report. I have sent them two certificated and notarized affidavit with supporting evidence on how XXXX XXXX  had incorrectly sum up with payments and are still charging me a late payment even through the last payment was higher than the actually payment. Theamount past due was for {$6500.00}. The last actual payment amount of {$7100.00}. {$7100.00} is greater than XXXX. Also, their math is incorrect. My monthly payments were {$400.00}. For example on the 13th month, they claimed that the balance owed was {$5400.00}, but the correct math for the alleged debt is {$5200.00}. They are also changing the dates so it shows that I have been late within the sixty days.
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$3800.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 
( DISCOVER BANK XXXX Date opened XXXX XXXX, 2018 Balance {$3800.00} )
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX  XXXX XXXX XXXX XXXX - Account # XXXX. I have never been late to this company providing a payment, yet they have late payments marked on my credit report. This is in reference to 15 U.S.C 1666 ( b ). This information is not accurate In accordance with the Fair Credit reporting act the following has violated my rights XXXX XXXX -Account # XXXX, XXXX XXXX-Account # XXXX, XXXX XXXX  - Account XXXX XXXX, XXXX XXXX  -Account XXXX, XXXX XXXX- account # XXXX, XXXX XXXX - Account # XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

My rights as a consumer has been violated.
Complaint sub-issue: Their investigation did not fix an error on your report

As of XX/XX/2019, my claim of fraudulent loan was addressed and resolved. 
I was finally removed from the fraudulent account and XXXX XXXX blocked access the account online. Finally. 
However, on XX/XX/2019, I received a notification from XXXX XXXX. XXXX XXXX added the fraudulent account back to my report. 
XXXX XXXX unresolved what was resolved. 
Why was I added back into account?
Complaint sub-issue: Information is not mine

Gas company says i owe money for gas at an address I never lived at.