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

My auto loan was deferred for 4 months starting in XXXX and end in XXXX. 
My payments should have automatically pick up again on XXXX XXXX. But for some reason on Ally end the payments are not going through .I called pertaining to late payments notice I receive and went on to Ally website to make payment myself and Ikeep getting a message that read ( The payment account you selected is temporarily unavailable. Select another payment account or try again later ). I attempted this several times yesterday XXXX XXXX, plus chat with XXXX and XXXX and XXXX was no help she suggested that I pay through XXXX XXXX and incur a {$4.00} service fee. I told her Ally need to fix the issue and I'M not going to use XXXX XXXX .Then XXXX transfer me to speak to XXXX who place me on hold for XXXX minutes and told me the was fix and that I could make payment. I tried again and was unsuccessful. I called Ally XXXX XXXX XXXX XXXX And spoke to a represented and she told me she would make notes in my chart about the late fee and that she see that Ally correct the issue, and to go on later in the day and put payment through and then give them a call back tomorrow to set back up direct payment. I attempted to make payment again did not go through yesterday, I reattempted the payment this morning did not go through. I spoke to XXXX today and went to XXXX XXXX incur a {$4.00} charge and was told I would be reimburse the {$4.00}. I made the payment through XXXX XXXX and now I will look for my {$4.00} REIMBURSEMENT.I left the conversation with this is the one and only time I'M making this payment through XXXX XXXX and for Ally to fix this issue so they can receive my payment to automatic payment on XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions and or permission.

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX COMPANY DATE ASSIGNED : XXXXXXXX XXXX XXXX  OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXXXXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Complaint sub-issue: Public record information inaccurate

I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or Pacer who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus.

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. Credit Bureaus are NOT supposed to use Public Records for their reports!

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud.

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I was given a {$100.00} Visa gift card for my birthday on XX/XX/XXXX and I tried to use it twice the following week and the card wouldnt work. I thought that maybe I needed to register it online, so I went onto XXXX and realized that the card was already registered to someone else and a purchase had been made the day after it was given to me by someone that is not me in a city where I do not live and there was only a {$.00} balance left on it. I followed the instructions to register it as stolen after calling the lost and stolen number on the paper included with the card, which included faxing in a copy of the card, my ID, and writing a letter asking XXXX XXXX ( the company who handles the card ) to open a fraud investigation. I faxed all of the information in, and after three tries of sending in physical and electronic faxes ( through an app ) they still hadnt transferred the card to my name or opened an investigation. I talked w/a supervisor on XX/XX/XXXX and told her that I wanted a different option for sending in their required info, and she gave me the address of where I could send hard copies of this information, which I immediately did. I still had not heard anything back on XX/XX/XXXX, so called in again and was told that they had transferred the card to my name and received all of my paperwork and were opening an investigation. As of XX/XX/XXXX, I called back again and was told that the card was NOT in my name. I called back on XX/XX/XXXX to  talk to a supervisor and was told that they are still in the process of putting the card in my name and that it may take an additional 90 days to do the fraud investigation. When I asked that customer service rep what company he worked for because I was going to file a complaint he told me, " XXXX XXXX ''. I specifically asked him, " that is the company name? '' and he said " yes. '' I believe he intentionally gave me the wrong information as the card is drawn from XXXX XXXX so that I would not have accurate info for a complaint. This company has been an absolute disaster to work with, with numerous people giving me inaccurate and erroneous information for something that was NOT my fault and that should be easily rectified and they have made it incredibly difficult every step of the way. I have now spent hours on the phone, doing faxes, and sending papers just to get a replacement {$100.00} gift card, and every time I call I have to go through the same process over and over again and there is never any progress or solution. I believe they are making it intentionally difficult so that they do not have to give me a replacement card.
Complaint sub-issue: Information belongs to someone else

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts
Complaint sub-issue: Problem using a debit or ATM card

Money was removed from my account without my authorization on XXXX  XX/XX/202XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

Annual check up of my files was unable to get my XXXX XXXX or Equifax report both making all kinds of reasons for not getting past go. Equifax keeps asking questions that do not belong to me and make me think I have Identity problems ( student loans and jewelry loans )? Never had them so i can not get my report. XXXX XXXX on the phone and online, nothing. " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' On the phone was timed out with over and over details ... over and over now have to refer you to another department to do that all over again??
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On or about XX/XX/2018, I was notified by XXXX Credit Bureau that XXXX XXXX reported over the balance with a decrease in credit by two FICO scores. I logged into the bureau to find by Discover cover over {$150.00}. I called discover no one had the info and I thought it was related to illegal activity on my account. I logged into my Discover account only to find that on XX/XX/2018, Discover did a repost to a dispute for {$220.00}. he company did not notify as advertised or make a called to see if I wanted to challenge the amount or what was going on. Discover then allow a representative on XX/XX/2018 to approved the {$220.00} from the merchant to be legit and failed to look at the required contents of the submission provide my the account holder. I have excellent credit and only at lease pay Discover balance in full mostly every month. To not get notified of this overcharge or dispute is not within ethics, standards nor does it restore confidence and Integrity with Consumers. The agent acted without thoroughly reviewing what Discover had previous requested for the initial dispute. The documents was in view but, this agent just sided with a company who Scam me and may be others. On XX/XX/2018, I spoke to a supervise and she resubmitted the dispute and gave a provisional credit. I had previously report this same merchant to XXXX and XXXX stated they had zero tolerance for merchants like XXXX with scamming customers and it was against their policy. I have used this merchant in the past but, no for this type of services and they had always completed within one day. This last project they lied to get my money then, gave me the run-arounds for a month and tried to credit for my work. I called Discover ( spoke with a different Supervisor ) I told her about the agent on lack of effort of them not reviewing the documents and she stated, " It not a legal requirement to do so! '' I asked then, why would Discover have me to download the Proof when, Your not going to hear what your customer has to say or give them rights! She then turned into a unlicensed attorney, " That is way you need to take legal actions because, it looks like to me all the work is the say! '' I don't know how Discover made her a supervisor. She was not speaking in terms knowledge of Discovers mission statement, value, Integrity, or trying to restore confidence like the first supervisor. ( my understanding from the conversation ) She's telling me, '' we don't care its what every the merchant states. Your complaint is just going to repose again. Your wasting your time. Out of her own mouth- That's why you need to filed this in COURT ... WOW. So, Since Discover did the repose on XX/XX/2018 hurting my credit and this last supervisor advising me to file this in COURT. I feel I have no RIGHTS and Discover will do this again.
Complaint sub-issue: Debt was result of identity theft

The Bureaus Inc continues to violate federal and state laws pertaining to debt collection agencies. The Bureaus Inc can not and have not gave me proof of their claim that I owe them. They continue to create and attach documents which doesn't bare my signature and statements which doesn't contain my correct address. I have sent several letters to the alleged collection agency and they refuse to terminate all collection efforts. The Bureaus Inc is not licensed as a collection agency in the State of Illinois with the Illinois Department of XXXX XXXX XXXX XXXX which goes against state law, however they continue to unlawfully try to collect alleged debts. I am requesting the Consumer Financial Protection Bureau investigate into this fraudulent company and their deceptive practices and willful and negligent noncompliance with state and federal laws. 
Please find screen recording attached of me trying to search for The Bureaus, Inc collection agency license in the Illinois Department of XXXX XXXX XXXX XXXX database and no such license populated. ( I tried searching different variations of their name )
Complaint sub-issue: Their investigation did not fix an error on your report

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. 
The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Reason : NOT Metro 2 Compliant there not USC 1692g compliant.
Complaint sub-issue: Problem making or receiving payments

Will not allow 3rd party app to access account. ( XXXX ). I have used this app for months to help me pay off debt and now all of a sudden PNC is refusing to allow me to utilize it.
Complaint sub-issue: Reporting company used your report improperly

First I am a Identity Theft Victim. Not just a plain victim. My profile was stolen and IRS is working on this to help get a new social security number. 
XXXX XXXX stated they sent info., to you to be checked. I did not authorize that. You should have looked for the authorization. But, you should have immediately known I was a Identity Theft Victim. Then you come out and give them some bogus score number, after I have had my car financed with XXXX XXXX and have a perfect account. This seems to be a pattern where the finance co. can approve the loan but charge a higher interest rate. My loan with XXXX today is at XXXX XXXX 
I can see from the multiple complaints that this is going to turn into a mass litigation lawsuit! 
I tried to get my credit report from you and have not received it. I just called you again, but will not call anymore. I am requesting a full investigation of your company, to include employees-where and how you obtain your information-length of time in business and the number of complaints filed against you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX XXXX  is reporting twice. Ive asked them to remove the error. I was told well if you pay your debt it will probably update. 
How can they report the same account twice with different amounts and payment dates? She yelled and disconnected the call.
Complaint sub-issue: Reinserted previously deleted info

I JUST HAD MY CREDIT RAN AND FOUND OUT THAT EQUIFAX HAS DELETED ALL MY POSTIVE TRADE LINES AND PUT BACK FRAUD ACCOUNTS THAT WERE DELETED YEARS AGO I DO N'T KNOW WHAT THEY ARE DOING BUT THEY HAVE RUNINED MY CREDIT AND NOW THEY CA N'T EVEN ANSWER WHY THOSE ACCOUNTS ARE THERE AND WHAT HAPPEN TO ALL MY POSTIVE CREDIT. I SPOKE TO A LADY NAME XXXX NOT SURE IF THAT IS HER REAL NAME. THIS ALL HAPPEN AFTER I MADE A COMPLAINT WITH CFPB ABOUT FRAUD INQUIRYS. ATTACHED ARE SCREENSHOTS ON HOW MY CREDIT LOOKS NOW
Complaint sub-issue: Didn't receive enough information to verify debt

I was notified by my credit monitoring service that I was 30 days past due on my lease payment. The information stated that the month of XXXX was 30 days past due. When I called to ask for the removal of this derogatory information, I was told that US Bank does not remove reported information. 

I called to dispute the late payment and was told they couldn't find it in their system. I explained that I never received information that my payment was late. When I paid my lease in XXXX it was larger than usual, I assumed it was for the following month as well and I paid for both. After US Bank looked through my account, they determined that my payment wasn't made in XXXX, not XXXX. I was never notified that my payment was late. 

I have since disputed the late payment information on my XXXX report. Things have been difficult during this time of COVID-19. My mortgage has a COVID forbearance so that I could continue to pay my other bills. I would like to resolve this matter, enroll in auto-pay, and have this information removed form my credit report. US Bank was not interested in helping a reliable customer.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is still reporting inaccurate information on my credit report. XXXX and XXXX has already removed this account from my report. This account was in litigation due to deception and predatory lending practices and failed to prove I owe this account. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter that they already received. This account nolonger exist and I nolonger owe, so why is Equifax still reporting a dismissed account on my credit report?
Complaint sub-issue: Debt is not yours

I was in the process of disputing a debt with a debt collector AFINI. AFNI XXXX XXXX XXXX XXXX, IL XXXX RE : XXXX / {$170.00} - I sent them a request via certified mail on XX/XX/XXXX to validate the debt. - They were unable to provide any documentation or proof that the debt was indeed mine. - I followed up via mail again with " failure to respond '' and received no response from them. - I sent them one more letter via certified email on XX/XX/XXXX as they were not following the stipulations of the law and requested they remove this debt. It is not mine and they are unable to provide me with any documentation or proof to show otherwise. During this dispute process I can only assume that AFINI ( unable to provide proof of the debt ) sold it to a new debt company to cut their losses. This new company ( XXXX XXXX XXXX, XXXX ) has now started to reach out to me. This is unprofessional and an inconvenience to me. While working on trying to resolve this with AFINI they have inconvenienced me even further. Instead of doing their due diligence they just passed it on to someone new. I will now have to start the dispute process all over again with this new company.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of Equifax Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I called XXXX  to notify them that account ending in XXXX was not mine. It was a fraudulent. They did wanted to take my dispute.
Complaint sub-issue: Funds not received from closed account

So half way thru my vacation last week Pnc bank decided they didnt want to business with me no reason and closed my account before that they put a hold on my account and didnt notify me and me and my XXXX children got embarrassed at XXXX XXXX  and we had to wait so my brother could come pay our bill and know its been two weeks and they still have not given me XXXX XXXX dollars thats in my account me and my kids are sleeping in my car borrowing money for hotels and these people have no sympathy for position they have put me in and I have talked to several people since then even this morning and they have to mail a check which they should have done last week instead they mailed me six letters telling me my account is closed they refuse to give my money at a local branch even tho the branch is XXXX XXXX and no one is the banking system has communication anything or put anything that I called several time I have constantly made them aware of my situation I have XXXX XXXX  in my crypto account and I need XXXX for the processing fee and they are about to make me loose out on this opportunity to better me and my children life the are about to give my account to someone who can afford it as part of the program I sign up for help me please we will be homeless by tomorrow
Complaint sub-issue: Reporting company used your report improperly

I have been listed as a " potential victim '' in Equifaxes data hack. Time and time again, companies have underestimated the importance of data security, and time and time again, this has completely come at the expense of the average consumer. 

Instead, the Executive board is able to inside trade out their own securities before divulging their MONUMENTAL mistake, further damaging a market they have already destroyed. 

This company needs to be completely frozen and audited from the ground up, and no information should be processed through them until a proven process can be implemented. 

This is disastrous for potentially almost half of Americans and I hope this company receives this level of complaint from every last one of us.
Complaint sub-issue: Account information incorrect

My account with Vance Huffman collection agency has been re age. The date of last activity show XXXX being XX/XX/XXXX and XXXX show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.
Complaint sub-issue: Debt was result of identity theft

I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$850.00}