Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble getting, activating, or registering a card

Good morning My wife and I have a problem with : Money Network Cardholder Services related to the Economic Impact Payment Card. 

We have called their customer lines several times but We were unable to contact someone to help us with this request, the available options are only with a card number, but this is not our case as we never got one. We have also sent to certified letter through USPS and XXXX and  both have been returned saying the company moved from that location, but that is the only address shown on their website. 

We received a White House letter on XX/XX/2020, and notice number XXXX XXXX XXXX XXXX which indicated we are receiving an economic impact payment of {$2400.00} by check/debit card, nevertheless, so far, we have no received it, reason why, we contacted to the IRS to get more information about it. The IRS informed us that Money Network Cardholder Services is in charge and responsible for sending the cards with the economic impact payment so we contacted them directly with no response. 
We daily carefully check our mail but nothing has arrived yet after almost 4 months where even my neighbor got it. 
We truly appreciate your prompt reply to this request, due to the current situation, we really need this economic assistance. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im a victim of fraud ant I sent them by mail my police report they claim they have not received it and refuse to remove the fraud accounts and inquiries after telling me they will
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XX/XX/22 but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If Equifax does not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Account status incorrect

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Didn't receive notice of right to dispute

My wife and I are currently in the process of purchasing a home. On XX/XX/XXXX I was notified by my loan officer that there was a {$200.00} debt in collections attached to my credit report. The debt collector is IC System. Being this is the first time I have heard of this debt I was confused. The debt was placed in collections by XXXX XXXX for allegedly failing to return cable boxes to the company after selling a property they provided service for. The home was sold in XX/XX/XXXX. Being this home is a vacation rental, the cable boxes were actually transferred to the new owners to avoid service interruption. 

My issue is that there was no communication sent to either myself or my wife notifying us that XXXX still believes there is a debt. Spectrum failed to communicate the issue and IC System also failed to communicate the issue. I spoke to an IC System representative on XX/XX/XXXX to discuss their process. The rep said phone calls were made to my cell phone number and also my wife 's cell phone number. She confirmed that the phone calls do in fact show up as " XXXX '' on the call ID and that they do not leave voicemails of any kind. How is a consumer supposed to be notified of an issue or even think the issue is legit if no call back message is left or even instructions on who to contact to settle the debt? The rep also said XXXX letter was mailed to our primary residence in XX/XX/XXXX stating the debt issue. It was confirmed by the rep that the letter was not certified and there is no means to actually verify that we received it, which we did not. 

The {$200.00} is irrelevant. With proper notification it would have been settled. My XXXX  is that my credit score has dropped from XXXX to XXXX for a debt that I was unable to resolve because of poor communication. Since my credit score has dropped so much I am now being offered second tier mortgage interest rates instead of the best rates on the market. The home we are currently purchasing is nearly $ XXXX. Even a XXXX basis point change in my mortgage interest rate will cost me hundreds of thousands of dollars over the life of the loan. It is extremely frustrating. I was told by the IC rep that even if I paid off the debt my credit score still probably won't return to it's rightful level in the immediate future. 

The entire process conducted by both XXXX and IC Systems feels predatory and illegal from every angle. Any help is greatly appreciated on how to proceed. Thank you
Complaint sub-issue: Confusing or misleading advertising about the credit card

I contacted US Bank via email to close my credit card account ( XXXX ) and they did such as requested. ( Please see attached document ). I had a rewards balance of $ XXXX and went in this morning to redeem such and the balance was {$00.00}. I contacted US Bank and was told by the representative that when the account was closed their policy is to inform the cardholder that " you will forfeit any rewards once the account was closed ''. I informed the rep that this was not closed by phone but via email. I was informed that it should have been in the email, but as you can clearly see it was not. If I had been informed of such, rest assured I would have taken the rewards before closing. 

No one in their right mind would throw away XXXX  XXXX dollars, especially with paychecks being stretched thin and inflation at an all-time high. 

I am requesting that US Bank honor their policy of informing a customer about " losing their rewards '' and send me a check for the rewards balance that was there when the account was closed.
Complaint sub-issue: Their investigation did not fix an error on your report

I tried to modify my loan in late    2015  through  XXXX   XXXX , I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest.  XXXX   XXXX  then since late    2015  has reported  2 lat e payments both   XXXX   days late. I have never paid my mortgage more than  XXXX  days late, I did all trial payments on time, I have contacted  XXXX   XXXX  regarding their error and they do not correct the problem, I have also disputed the account with all  XXXX  CRA but  XXXX   XXXX  continues not fixing their error.
Complaint sub-issue: Information belongs to someone else

I have had a myequifax account for a few years. I suddenly have no access, multiple tickets have been created to resolve the issue. I have received several emails with no resolution. On XX/XX/XXXX a fraudulent account was inserted into my credit profile. On XX/XX/XXXX I contacted Equifax and was told to fax all information. I have contacted this company several times and my faxed documents are still not uploaded to my account and myequifax account is still not accessible.
Complaint sub-issue: Information belongs to someone else

I WANTED TO BUY MY XXXX YEAR OLD SON A NEW CAR FOR HIS BIRTHDAY. I GOT MY CREDIT PULLED AT THE DEALERSHIP. THERE WAS STUFF ON MY CREDIT THAT I HAVE NEVER SEEN BEFORE. PLEASE REMOVE THESE THINGS FROM MY CREDIT
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act. The company 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.

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Account XXXX, balance of XXXX original creditor XXXX XXXX SOLD DEBT TO A COMPANY WHOM NEVER GAVE ME THEIR NAME OF THE COMPANY Account was closed XX/XX/2020 was misinformed and miseducated about the balance that needed to be collected on a partial payment. Company didnt give a name of who was collecting my information and intimidated me for a partial payment. Currently theyre still writing charge offs on my credit report and the account been closed since 2020. XXXX negative charge offs! on my credit report UP TO DATE
Complaint sub-issue: Information belongs to someone else

I was going through my credit report and notice several fraudulent accounts on my credit report. i provided a copy of my ID to prove my identity.
Complaint sub-issue: Trouble with how payments are being handled

Nelnet services the bulk of my federal student loans. This company has been allocating my loans in ways contrary to what is listed in my monthly statements and payment schedule for the entire time I've had the loans. When I contacted them, which I have to do every month because the auto payments just happened to be allocated towards my lowest interest loans to have it adjusted to match what is in my payment schedule, they tell me that they have to put in a special payment request to do so, and often, this payment request is not honored and I have to contact them through their chat service to make an additional request to have it fixed. I repeatedly asked for proof that such request was being made and to understand why the payments weren't being allocated as suggested in the monthly statement or payment schedule, both of which are available in my portal, but they said that such requests were not accessible to me and they couldn't share any internal information. This was and is a huge burden to me to attempt to have my loans allocated towards the higher interest groups, or at the very least in the sums as stated in my original payment schedule or even the monthly statements. I repeatedly asked that my loans did not get " advanced due dates '' and almost always clicked the box to not advance due date ( once I figured out what that did ) when I made additional payments, yet, the loans still get out of sync. The secretive and nontransparent loan allocation process is always in Nelnets favor and to my financial detriment. Furthermore, the auto amount withdrawn monthly seems to be reduced at random times without my consent to push out the time frame I'm paying my loans and thus interest to them. I did not consent to this and again, is a non transparent action Nelnet takes that is in their favor and to my disadvantage. I feel like I have no control and that they are not accountable. I've paid on time always and I'm very attentive, which only means I see the re-allocations and have to spend much more of my time than I would like attempting to have it resolved. The lack of transparency and sneaky re-allocation drives me crazy. I don't see why this company should be allowed to profit when taking advantage of student loans in this way. I have documentation of some of my chats to prove that I repeatedly requested the allocations to be fixed because the portal overwrites whatever they've previously done. Again, no transparency.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Delete late payments from XXXX XXXX XXXX XX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under 15 USC 1681b - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects to subsection c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) in accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? A ) Subject to section 1681s-3 of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair debt collection practices act 15 USC1692g violations 4. Fair reporting act 15USC 1681 violations for willful noncompliance -616 Civil liability for willful noncompliance 15USC 1681n Best Regards, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : XXXX - {$230.00}, XXXX, XXXX account number : XXXX - {$200.00}, XXXX XXXX XXXX account number : XXXX - {$280.00}, XXXX XXXX XXXX  account number:XXXX XXXX. XXXX XXXXXXXX account number : XXXX - {$65.00}, XXXX account number : XXXX, XXXX XXXX  account number : XXXX - {$420.00}, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX  account number : 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not protect my sensitive personal information. The data breach was due to their inability to secure my information adequately and thus put me at risk. Again, it is up to me as the consumer to deal with any risk, remediation, and taking additional steps to secure my data and identity. This is simply unacceptable, given this is Equifax.
Complaint sub-issue: Old information reappears or never goes away

I wrote a certified letter to Equifax that was received on XX/XX/XXXX USPS Tracking Number XXXX to dispute an old item and a collection that does not belong to me and all the inquiries are not authorized by me. There was no feedback from Equifax although the other credit agencies deleted the items.
Complaint sub-issue: Deposits and withdrawals

XX/XX/2020 : A check for {$8700.00} was issued to me and my mortgage company by my home insurance provider against a home repair claim ( XXXX  XXXX XXXX  ( XXXX  ) ) in XX/XX/2020 using their bank XXXX. I got the check endorsed by the mortgage company rep and then I also signed back of the check. 

XX/XX/2020 : I made a mobile deposit via the Citibank Mobile app. However, the check was rejected by Citibank stating missing endorsement. ( However, I did not receive any email or mail about this rejection. So I was not aware of this rejection ) XX/XX/2020 Believing that the check has been successfully processed by Citibank. I trashed the actual check. 

XX/XX/2020 I noticed in my bank statement that Citibank had infact rejected the check and debited the check amount from my account. So I contacted XXXX to reissue me the check. XXXX  is claiming that the check was processed by Citibank and can not reissue the check until the money is credited back to their account. 

XX/XX/2020 Called the Citibank call center several times. Received a response to the service ticket BUT the response did not contain any details that I use for resolution. 

XXXX/PNC are willing to get any official from Citibank rep to call them and figure out the cause of the issue. But no one in Citibank agreed to get into a call. 

Finally, I contacted Citibank Relationship Manager seeking her help. Provided her the details of the issue. I did not see any help or resolution coming from her as well. 

Citibank reps have not been able to resolve the issue and went around responding to some other aspect of this transaction. Truly disappointed with lack of empathy by the people I spoke with in Citibank call center. 

However, I did not receive the check money in my account. So where did the money go? Which account did the money got transferred to?
Complaint sub-issue: Their investigation did not fix an error on your report

My identity was stolen. In XXXX of 2022, I filed a complaint with Federal Trade Commission and filed a police report and sent them all 3 major credit bureaus : XXXX, XXXX, and Equifax. It's been over 90 days and nothing has changed on my credit report. They've essentially ignored my complaint, even after sending them all the documents they required to correct my credit report.
Complaint sub-issue: Seized or attempted to seize your property

On XX/XX/2020 The law offices of XXXX XXXX XXXX XXXX was trying to XXXX all of my bank accounts for the amount of {$8200.00} I don't have any knowledge of this debt and why they are tying to levy my account I want an end to this harassments from this company XXXX XXXX XXXX  Thank you
Complaint sub-issue: Used obscene, profane, or other abusive language

I have been contacted multiple time via phone call from this company regarding a debt they are trying to collect. I notified IC systems Inc. to no longer contact me through phone call but to contact me and validate the debt via mail they have failed to validate the debt it has been over five days since they have sent return receipt. And they just updated the collection to a chargoff when I notified them this is obscene profanity language being used and they are harassing me causing my anxiety to spike which leads to XXXX. I am trying to rent a home and this adverse information is causing my pain and suffering
Complaint sub-issue: Their investigation did not fix an error on your report

I have 2 prior complaints that were closed by XXXX   and Equifax, # XXXX and XXXX without resolving the issue. XXXX is claiming that they verified XXXX XXXX XXXX XXXX as part of a Chapter XXXX Bankruptcy. XXXX has verified that the same account as being paid off used to be charged off. I have provided credit reports with inaccurate information anXXXX XXXX and Equifax have failed to delete this item. Also, they failed to remove it as so-called verified Bankruptcy with no delinquent accounts attaches to it. What did I file bankruptcy for if there are no accounts to be discharged? I'm providing proof that XXXX has verified the XXXX XXXX XXXX XXXX account as paid/charge off not a part of Chapter  XXXX Bankruptcy. I am also providing proof that XXXX  has deleted the inaccurate/incomplete Bankruptcy from my credit report to reflect accurate information. XXXX and Equifax have a duty to report accurate, complete, and verified information under the FCRA. Please refer to the complaints listed above for previous proof of my complaint. XXXX and Equifax keep sending papers stated I should write a 100-word statement. I have done that several times and keep getting these automated responses. This is unacceptable at this point.
Complaint sub-issue: Debt was result of identity theft

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve 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 accounts that are reporting on my Credit Reports : ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}
Complaint sub-issue: Account information incorrect

I tried to solve a problem with the credit bureaus because they are reporting inaccurate information that is affecting my credit score. 
Please investigate about my case.
Complaint sub-issue: Information is not mine

Hi. The dispute number XXXX was just opened by someone named XXXX. He basically refused to remove the items in the attachment off of my report. I have stated that the other bureaus have removed them because they know that they are not mine. I have verbally spoken to the XXXX and they verified that I am not in the system. They can not remove something that is n't showing up in their system. The last dispute that Equifax shows in their system was in XXXX, which is incorrect. Equifax has repeatedly shown that they have no regards for the law or for anyones credit since it does n't affect them. As of this morning I have filed a lawsuit against Equifax. I have attached my intent to sue letter with the accounts listed in the letter. I gave them the chance to remove the items and they have n't. They have n't responded within the time frame that they gave. They keep inaccurate records. They finally deleted inaccurate addresses off of my reports after filing complaints. I am going after Equifax for the full amount that the law allows. Their inaccuracies on my report is not helping me and it is hurting my family and myself.
Complaint sub-issue: Information belongs to someone else

Despite the multiple written letters I sent to the XXXX Credit Bureaus, my attempts to request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Also, hey have failed to comply with the FCRA section 605b and have been claiming that the disputed items are verified and accurate. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that by submitting this CFPB Complaint, the Credit Bureaus may be able to help me and have these items deleted as soon as possible. Here is the list of accounts and information that should be removed as soon as possible : XXXX XXXX XXXX XXXX, MO XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have filed a dispute with Equifax, XXXX, & XXXX about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.