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

I was behind on my Discover card, was unemployed, and XXXX offered a payment plan to fit your needs ( what you could pay without not paying at all ). At first it was {$60.00}, then it went to {$70.00} and then it was an amount they had not discussed with me, and I had my payment set up for auto pay so that I would n't get behind on the payment plan. Well, I got a statement and I was told that the min. payment had gone up and that 's why I was so the past due amount was high. 

The second thing is, when I did the payment plan option, it ask you to choose a date. I chose the XXXX and then the XXXX. Well Discover does not tell you that even though you are on a payment plan, with a different date, that they report to the credit bureaus that your payment is late. So even though you are paying on time with the payment plan in place, it 's not reflected to the credit reporting agencies and this is wrong and unethical. I have been paying that bill on the XXXX and later on the XXXX with NO KNOWLEDGE of my payment being reported as LATE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This ridiculous! I chatted with a Discover rep today, XXXX and she said that it 's not told to cardholders who do the payment plans. Have them pull that chat for today 's date about 5 min ago and you can read it for yourself. I want my late reports removed immediately!!!!!!!! This is not fair. Very unethical.
Complaint sub-issue: Account information incorrect

I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to Equifax,  XXXX, and XXXX XXXX that I owe them {$9900.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

The three main credit reporting agencies have not removed items that took over 30 days to investigate. When they finally did there was not sufficient evidence with my signature proving the debt was mine. I've asked them to investigate the Bankruptcy on my credit reports and after contacting XXXX ( which they informed me that they have used to validate the bankruptcy ) which informed me that there is no information with my social security number that matches the reportimh. The agencies continue to report a bankruptcy as well as debts including in bankruptcy on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previous submitted a dispute to these companies in effort to resolve this matter. I have previous submitted a dispute asking this company for a investigation. I filed a police report, FTC REPORT and identity theft affidavit a obtain a lawyer and this matter is in litigation which this company is violating my rights by attaching this account to my file into the matter is resolved in court. This company said this account is not on my credit file I have proof from this company that I have attached the credit report directly from XXXX stream and XXXX. Please hold this company accountable for inserting a account on my credit file without accurate information and not following fair credit reporting act 605 when a investigation is in litigations. Thanks
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding unknown and inaccurate things on my credit report. To date, over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored on my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately removing those items from my credit report. It has been a over 30days so they should be deleted promptly. I demand these items be deleted immediately or I will move forward with filing litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Information belongs to someone else

I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX  XXXX {$5100.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I was alerted to a collection account on my credit report. This account has been paid. The amount of XXXX has been paid to XXXX, The original source.
Complaint sub-issue: Investigation took more than 30 days

I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  *Account # XXXX ( XXXX XXXX XXXX ) *Account # XXXX ( XXXX XXXX XXXX XXXX  ) *Account # XXXX ( XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

Equifax mishandled my personal information. According to their website, equifaxsecurity2017.com I am listed as a potential victim. I would like a resolution to this breach of my security. Thank you.
Complaint sub-issue: Deposits and withdrawals

XX/XX/2022 at XXXX I received a text message that a {$2000.00} XXXX money transfer had been made and wanted to know if I had authorized this transfer, reply YES or NO. I checked the number, and it was the same as the Fraud Department of my bank, so I replied NO. A few minutes later I received a call from a man claiming to work for my bank. He asked some authentication questions and kept putting me on hold. I tried to call my bank, but was unable to get through to a person due to longer than average hold times. The man kept calling back. I never gave this man my user name or password. I was suspicious at this point, told him I had an appointment so I would have time to get in touch with someone at my bank. When I got through to my bank, they told me a wire transfer had gone through for the entire amount of my savings account ( over {$10000.00} ). I asked to start a dispute of the wire transfer. I was told an investigator would be in touch with me in 24-48 hours. I mailed a letter to my bank disputing the unauthorized wire transfer. It has been 11 business days. I have made calls to my bank every business day. I still havent spoken with an investigator and the Account Takeover Department has no idea when or even IF I will get my money back.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a letter from the original creditor ( legal action department XXXX XXXX XXXX  XXXX XXXX ) in XX/XX/2018, stating I owe {$190.00} in damage to carpets and double coating wall painting. this letter also stated that I may get threats from the collection agency hunter Warfield,  harassed and the company will not be responsible. XX/XX/XXXX I sent a letter in response to XXXX XXXX XXXX stating I do not owe balance XXXX and please provide validation and documentation of charges listed in ledger. I  never received response back from the original creditor. On XX/XX/18 I received a second letter from original creditor stating the same as 1st notice. On XX/XX/18 I sent a 2nd letter to the original creditor legal department ( address listed on 2nd notice ) requesting validation. No response. XX/XX/18 I received a letter from hunter Warfield stating I owe XXXX. XX/XX/18 I sent a letter to hunter Warfield stating I have attempted to contact original creditor x 2 via mail, no response and requesting validation and proof of false charges made against me. XX/XX/18 I received a response from hunter Warfield with an ledger of balance breakdown, black and white photos of unclear spots on carpet. XX/XX/18 in response to hunter Warfield validation response.  I requested clear photos and proof showing that this was in fact the unit I previously resided in damaged and also provide proof of other damages listed on ledger. I did not receive pictures or proof from double coated paint charges of {$180.00}. I was charged for 11 stains on carpet and only received 6 unclear photos, I was charged for a gum stain on carpet and did not receive proof. XX/XX/18 I received a 3rd notice from hunter Warfield stating again the debt was validated, now owing a sum of XXXX with {$.00} interest added. I received the same photos from previous letter, still unclear and did not show in fact this was the unit I resided in. I still did not receive any proof of damage to walls requiring double coated paint and {$180.00} in charges. I have been receiving harassing phone calls after asking not to contact me by phone and only in writing. I have also been threatened to have my account reported to credit bureaus and listed as dispute. I do not owe this debt and feel my rights have been violated with threats of false information negatively affecting my credit report, along with reporting inaccurate information.
Complaint sub-issue: Didn't receive notice of right to dispute

As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AFNI INC for them to have obtain my personal information. With AFNI INC obtaining my personal information without my consent they are in fact in violation of 15 USC 1692 for infringement upon my consumer 's right to privacy and they have also committed fraud and identity thief for purchasing my personal information. AFNI INC also in violation of 15 USC 1692j for furnishing deceptive form making it seem like I owe this allege debt when in fact I don't.
Complaint sub-issue: Information belongs to someone else

I have an account XXXX XXXX that is showing on my credit and I never opened it. Found out about it thru running my credit report
Complaint sub-issue: Debt was result of identity theft

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file .The items i need deleted are listed in the report. i am a victim of identity theft and did not make the charge .I ask that the items be deleted to correct my credit report. i reported the theft of my identity to the Federal Trade commission and i also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit Please delete items as soon as possible
Complaint sub-issue: Account status

Equifax has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Complaint sub-issue: Loan sold or transferred to another company

XXXX of XXXX XXXX is not ethical and maybe even more egregious ( and possibly illegal ) in their accounting and sales practices. On XX/XX/21 I bought out my car lease and came in with a pre-approval from XXXX XXXX. XXXX who did my paperwork was told specifically that I wanted to bank with XXXX XXXX. He kept pushing PNC, yet I refused. Unbeknownst me my car loan is with PNC. 

After several attempts to get answers from XXXX, I speak to his superior XXXX XXXX who confirms my loan is with XXXX XXXX. He said he would speak with XXXX and call me back -- that was a week ago. Finally I get XXXX back on the phone today -- and he tells me that they mailed my paperwork to the wrong bank! How is this possible? You can clearly see that in the photo below that I agreed to bank with XXXX  XXXX NOT PNC. 
XXXX did not apologize, he was rather obtuse, nor did he offer any way to fixed the mess he created. He told me I was stuck with the loan although I did not agree to lending with this bank. I tried to speak with someone above him, and not only did I get their voicemails, but the receptionist also stopped picking up the phone ( I called from another line and she picked up ). 

How does PNC process my paperwork when it has another bank 's name on it??
Complaint sub-issue: Didn't receive enough information to verify debt

Advante USA placed a new collections on my credit report on XX/XX/, 2019. I have no correspondence of this debt. I have no debt with this company. I have no contractual agreement with this company. I have no debt on this date. Company states I owe them {$1200.00} out of nowhere. Can not seem to contact such company. Can not understand how this is legal.
Complaint sub-issue: Personal information incorrect

Equifax refuses to remove an address that does not belong to me. It is fraudulent. 


Remove XXXX. XXXX XXXX XXXX SC XXXX
Complaint sub-issue: Account information incorrect

My credit history age has been consistently low for the entire time I've had credit. I have credit cards and auto loans for 10+ years, yet me credit age consistently says it's only 1-3 years old. This affects my score and at times has affected my ability to get loans.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate items on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so these item should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong persons hands.
Complaint sub-issue: Report improperly shared by CRC

I am disputing with Equifax certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Equifax to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.
Complaint sub-issue: Company closed your account

On or about XX/XX/XXXX, I XXXX XXXX went to the Citibank branch on XXXX XXXX in XXXX, New York to check on the community based account that was set up for donations to help families from Mali that have lost a loved one. I got suspicious that something was wrong with the account when a member indicated that the bank teller would not take their donation as the account no longer existed. 

While at the bank on that day I spoke to a teller named XXXX who attempted to help me. I was told that the account was nonexistent. I was confused and requested an investigation. On XX/XX/XXXX I then received communication from Citibank that they could not locate the account. The account number is XXXX. 

I have gone to the branch several times to have this resolved to no avail. I have made numerous calls and visits and Citibank refuses to help me as they indicate the account was closed 2 years ago. 

On or about XX/XX/XXXX I was given a print out that they indicated showed that the check was cashed. By whom or where is not known. My members are furious and think that I stole their money which is not the case. The amount of {$10000.00} has been stolen, and Citibank is responsible for this loss.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 5 hard inquiries that I have no knowledge of : XXXX  XXXX XXXX XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 Citibank N A XX/XX/19 XXXX   XXXX  XX/XX/19
Complaint sub-issue: Other problem getting your report or credit score

I looked at my credit score on XX/XX/2018 through my XXXX XXXX XXXX. My score was XXXX. 
On XX/XX/2018, when I looked again my credit score was XXXX. 
I called XXXX XXXX and asked for an explanation. They could only tell my to contact you. 
I want to know how and why this happened. 
What causes a score to drop 28 points in less then 30 days.
Complaint sub-issue: Didn't receive enough information to verify debt

I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS
Complaint sub-issue: Debt was result of identity theft

Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/XXXXI tried to fix this issue with Discover Bank, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Discover Bank Acc # XXXX, Opened Date XX/XX/XXXX, XXXX/Closed Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to Discover Bank. Thank you.
Complaint sub-issue: Account status incorrect

I have contacted XXXX XXXX numerous times about incorrect information on my credit report that their company is responsible for reporting. XXXX XXXX IS REPORTING FALSE AND inaccurate information to the credit bureaus. XXXX XXXX is in violation of the Fair credit reporting act.
Complaint sub-issue: Information belongs to someone else

There are 3 accounts that aren't mine and I have disputed them in the past. Against the FCRA, they keep reporting and need to be removed.
Complaint sub-issue: Billing problem

This has been a problem since the loan began : 1. ) They repeatedly call me 5-6 or more times a day, every 3 hours, if I go beyond 10 days late.

2. ) At the 10th day, they charge an excessive {$70.00} late fee on the loan 3. ) In their effort to humiliate/harass you if you are late, they actually cut off access to using their online bill pay service. Because they receive pleasure in humiliating/threatening/harassing you over the phone.

4. ) If you give them no exact time table when you can pay before the 30 day late grace period, they keep calling you repeatedly.

I'm actively working on credit repair. I CAN NOT WAIT to refi my car loan elsewhere and get away from this abusive company. This activity should be something that is ILLEGAL!!