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

On XX/XX/XXXX, I made a purchase from XXXX in the amount of {$280.00}. There is a 30-day money-back guarantee on the purchase. 

On XX/XX/XXXX, the glasses were returned to XXXX via priority mail flat rate box. 

On XX/XX/XXXX, the package was delivered to XXXX, and signed for by XXXX XXXX at XXXX. 

The glasses were returned, and XXXX did not refund my money. I opened a dispute with Citicards. On Saturday, XX/XX/XXXX, Citicards advised me that the dispute was resolved in the merchant 's favor, and the credit they previously issued me was being reversed. Citi did not tell me why. I have since called Citicards 3 times, emailed them proof of the return, and faxed proof of the return - they not only refuse to help me, but every single time I call them, they advise me that they can not speak to me because of some fraud warning on my account. I then get transferred to the fraud department who advised me that there is no fraud warning on my account! This has happened multiple times, and because of this fraud warning that doesn't exist, they will not reopen the dispute.
Complaint sub-issue: Problem with statement of dispute

I have a open collection on equifax 's credit report. i have disputed the validity of this with the collection agency ( XXXX ). they have sent me a letter stating that they have requested that this be removed from the XXXX agencies ( XXXX and equifax ) reports. XXXX complied and equifax refuses. i have disputed this and they insist it has been validated even though the collection company has stated in writing that this was an error and should have been removed.
Complaint sub-issue: Reporting company used your report improperly

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Any other adverse item 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 ) 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 inaccurat
Complaint sub-issue: Received bad information about my loan

I pay my loans through a service called Nelnet. I changed my repayment plan and it was initially processed in XXXX 2016. Since XXXX, Nelnet has made mistakes with how my repayment plan was processed on each group of my loans. Due to this issue, my payments have been incorrect every single month. I received no notice from Nelnet in the changes to my repayment plan processing, only the monthly statement notices. Each time I speak to a customer service representative ( at least once a month ) to ask why my statement has changed, the story changes as to why my monthly payment has changed. Additionally, each month I am assured that the problem is rectified and that my repayment plan has been correctly processed only to find out that the information about my payment they give me is incorrect. This has negatively affected how I manage my bills every month and has made me feel that I am being taken advantage of by these loan collectors. I have had to ask for an apology from several employees and was never offered any consolation for how my loan repayment plan process was mishandled.
Complaint sub-issue: Debt is not yours

I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize.
Complaint sub-issue: Investigation took more than 30 days

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reporting XXXX inquiries in my credit file that I did not authorize. This company has failed to delete inaccurate or unauthorized inquiries in my credit file. It is extremely damaging to my credit and character and can prevent me from obtaining credit in the near future.
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/XXXX I filed a dispute with equifax stating 2 items were being reported incorrectly. One I tem was XXXX XXXX XXXX in which they never investigated and I continued to send in requesting new investigations and still nothing they totally ignnore. at the end of the year XXXX I get item investigated.and remains. Thats 360 days it took to investigate this item has 30 days but they kept ignoring. Now they say was investigating but no information is available on this account buy account holder so how investigation was done is beyond me. Equifax violated federal law as it has 30 days to respond not one year and is and should be fine. I sent them a new letter in which they signed for on XX/XX/XXXX telling them od the fraud they have committed and to remove the account its now XX/XX/XXXX and they have ignored and have not responded back. This item goes why beyond fed limits and they should be fined which is my next step as it has cause great distress. Next at the same time account XXXX XXXX XXXX was also received on XX/XX/XXXX by Equifax. This item was previously removed in XX/XX/XXXX then put back on after removed and disputed for a year not 30 days then they after a one year investigation which is illegal come back and add time on to a loan that was paid off XX/XX/XXXX and show it being paid all the way though XXXX and marked status 120 late. Now they ignored my request that they received on XX/XX/XXXX to remove and havent responded and its now XX/XX/XXXX. This is also a serious violation of federal law. How can a loan paid off in XX/XX/XXXX show late 120 days a year after account was closed.. They flat out ignored both my requests not only in XXXX but now XXXX. This has cost much damages to my credit score as well as taken much of my time to write letters to try and correct and only to be ignored. Such failure of federal law should entitle me to 1000s of dollars..This is total neglect of their responsiblities. I dont wish for a new investigation as they have botched up and ignored 1 plus years of request. I want these items totally removed as well as some kind of compensation for there neglect of duty.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have a credit report about atnt they're trying to collect funds from a phone that I once had I would like to use my rights of rescission 15 USC 1635 also they're in violation of the truth and lending as I put a Downpayment on this phone and they're trying to collect funds from me I would like to receive the property and collect the money using 15 USC 1635 they're also in violation of 15 USC 1662 as I put a down payment and money for installments
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX and they have my information united with my brothers XXXX XXXX as if I own his house too when I dont .I am ready to upload our documents to separate our information. XXXX XXXX XXXX is the one that owns the house for XXXX XXXX XXXX in XXXX, nj XXXX, Not me.
Complaint sub-issue: Problem with statement of dispute

I received a copy of Equifax credit report on XXXX/XXXX/15 and noted a hard inquiry from XXXX XXXX dated XXXX/XXXX/14. I called XXXX XXXX and requested reason as to why a hard inquiry on Equifax report when there was no request, of any kind, for credit, but rather the opening of a savings account on that date. I was told by representative of XXXX XXXX that " That was the way we 've alway 's done it ''. 
I informed them, I felt, a hard inquiry, which results in a lowered credit score, was inappropriate for the opening of a savings account and that I would file a dispute with Equifax. I did. 
Apparently, Equifax simply contacted XXXX XXXX and verified that they intended to make a hard inquiry on that date, regardless of the reason, and found in there favor. 
I submit that proper procedure, as I understand it, has always been that a hard inquiry to a credit report, which does in fact affect a credit score and therefore someones credit worthiness, should be initiated only in the event of a request for credit, in some fashion, and not at the vendor 's random discretion as in this case, the opening of a savings account. 
End result was that my credit score was lowered for opening a savings account. 
Does this seem fair? XXXX XXXX and Equifax seem to think so!
Complaint sub-issue: Received bad information about your loan

1.I re certified income on XX/XX/XXXX 2.I followed all directions on application/submitted extra payment information 3.XXXX stated they needed explanation to state exact income ( I do not have exact income ) 4.I followed the directions from customer service and submitted another letter immediately 5.Customer service then said I needed to create company logo and submit on company logo letterhead. I paid {$99.00} for logo and gave same day 6.Customer service then said letter needs to say " business owner '' and not " sole proprietor '' because it confused them 7. I then received notice my payment was almost {$700.00} even though I am a single mother of 3 and do not make this much XXXX. Customer service stated " sorry, our departments do not talk to each other. please just resubmit '' I did immediately. 
9. XXXX added over {$20000.00} to my loan for interest because the resubmitted application I submitted due to their mistake, is not " late '' 10. XXXX stated there was nothing they can do, so they used income from previous year. 
11. After no less than 20 hours on the phone, XXXX recalculated my income and payment was now {$130.00}. 
12. XXXX stated there was nothing they can do, I have to pay the {$700.00} or add it to my loan balance because " the computers will not let me update from previous month '' 13. I filed complaint. 
14. XXXX LIED and told you I never submitted the application XX/XX/XXXX 15. Complaint filed again. 
16. XXXX made excuse after excuse as to how this was MY fault now and I needed to pay or they would ruin my credit even though my XXXX was less than XXXX. 
Excuses included : 1. income submitted was too old ( less than 2 weeks old at time of application and more than required included ) 2. The initial letter was not typed ( nothing on application states this ) 3. The payments were not on set bi monthly schedule XXXX there is no law that states income payments must be set. I explained I was a contractor and was paid when I received work. ) Application does not state this requirement. 
4. Updated, late application did not have a " wet '' signature. 
( original application turned in XX/XX/XXXX contained a " wet '' signature only changed to typed when XXXX requested it. 
17. I send multiple emails and made multiple calls requested for XXXX to point to the section on the application stating any of the requirements they insisted I violated. I requested they how me what I did not included that was listed on the application as needed. THEY COULD NOT SHOW ME. 
18. At this point, XXXX became hostile and demanded I pay the {$700.00} now, add it to my loan, or they will ruin my credit. 
19. XXXX did take off the $ XXXX they illegally placed on my account, however ruined my almost perfect credit and have now cost me my practice I just opened. I can not obtain the business loan I was seeking due to this fraudulent remark. 
This was done in retaliation for them being made to take of the XXXX.
Complaint sub-issue: Overdraft charges

I have my paychecks deposited onto a Money Network Card which also my stimulus check was deposited onto. They have incorrectly processed a dispute which was showing my account overdrawn by {$1000.00} now I am unable to gain access to the {$600.00} stimulus deposit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I open a account with this company in XX/XX/XXXX, as we all know the XXXX hit Americans XX/XX/XXXX, well I talk to them in XXXX of XXXX and explained to them that I had loss my job due to XXXX I was assured that they wouldn't report to my credit and it did. I paid the account off in XXXX and early. I called the company in XX/XX/XXXX, it was told they apologize that it did report and they would fix it and it could take 60 days to update. I called again in XX/XX/XXXX, and was told the same thing and that give it 60days to update. I called again in XX/XX/XXXX and was told that the information was true and they can't fix it. I ask to speak to supervisor and was hung up on. I have been calling this company every other month since then. This is destroying my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I send over couple FTC report for those hard unauthorized credit Inquiries.. consumer/ fraud department keeping say they were remove upon check noting have been remove for couple months. The XXXX gave me XXXX confirmation # XXXX
Complaint sub-issue: Account status incorrect

All major credit bureaus are refusing to remove information reported by XXXX XXXX inaccurately. Account not paid late and paid per the terms of a payment agreement.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed several accounts from my credit report with Equifax, XXXX and XXXX  I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 XXXX 2 : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was checking my credit report and notice inquiries and addresses I do not recognize or authorized. I am afraid my information may have fallen into the wrong hands. The unauthorized inquiries are as follows XXXX XXXX inquiry dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The inaccurate addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

There are several inquiries on my credit report that I am unfamiliar with/fraud and they should be removed because I didn't apply to these creditors : EQUIFAX ( 6 ) XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( 4 ) XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 8 ) XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Threatened or suggested your credit would be damaged

Never received 1st collection notice and or any phone call regarding the collection of the debt. Did receive a letter to threats of lawsuit only. Send fax requesting contact by phone but never got any calls. Requested original application showing my signature that I signed the application and was refused to be provided it. Asked for ITEMIZED STATEMENT, sent incomplete documents after two request. After my fax request was not honored by, HUNT & HENRIQUES ; called to get the information requested and was DENIED. Tired to offer a settlement was told by XXXX XXXX, " NO SETTLEMENT WE ARE GOING TO PROCESS A LAWSUIT. '' She then just hung up on me. Very unprofessional if trying to collect a debt and furthermore not sure if they even stated the mini-miranda when I called there offices. 

Hunt & Henriques XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX
Complaint sub-issue: Debt is not mine

Hunter Warfield debt collection company has reported I owe a debt of over {$1000.00} which they purchased from a lease company called XXXX XXXX out of XXXX, Ohio. XXXX XXXX fabricated these charges in retaliation for me reporting and complaining about illegal activity on the apartment complex property which endangered myself and my children. When we broke our lease because of unsafe conditions and repeatedly being victimized by theft by other residents and their guests the leasing company withheld my security deposit and fabricated charges for non-existent " damages '' in order to recoup the rent that would have been owned had we fullfilled the remainder of our lease. I informed Hunter Warfield of this on every occasion that I spoke with them. They insisted they had verified the debt was " valid '' by taking XXXX XXXX 's word for it. I told them I had XXXX photos of the apartment on the day we moved out showing there were no damages but they refused to let me send them to them. After repeated contacts to my cell phone I informed them I did not want them contacting my cell phone anymore and requested they only contact me in writing. Collectors were rude and hung up on me when I made these statements, only to continue calling back to my cell phone multiple times. Their collection practices were aggressive, threatening, intimidating and illegal when they refused to stop calling my cell and refused to contact me only in writing. They also did not do a proper job of validating this debt as there were no damages to the apartment at all. I have now been denied a mortgage loan to purchase a home due to this specific item appearing on my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

Here I am again fighting XXXX XXXX and their IMMEDIATE removal of the XXXX account they have bought. XXXX deleted the file because they have no PROOF as required under the FCRA and FDCPA and still XXXX  insists they can keep reporting this account to EQUIFAX without PROOF of my physical signature of a contract between ME and XXXX  It DOES NOT EXIST they can not. Sending me statements is not proof I have a contractual account with XXXX and it must legally be removed immediately. 



Again : " 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 accounts listed below. ''
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00}XXXX XXXX XXXX  XXXX XX/XX/XXXX {$14000.00}, XXXX XXXX  XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  XXXX XX/XX/XXXX {$220.00}, XXXX XXXX XXXX XX/XX/XXXX {$270.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

Good evening! Ive always made on time payments. I receive some disturbing news from my credit information and none these accounts Are reporting positive information Im gon na excise my right under 15usc 1681 I demand that all of these accounts be update always made on time payments I demand updates all positive information being reported. delete collections not mine. Accounts to be updated to on time payments : XXXX XXXXXXXX XXXX date Change to on time payments Last report date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX date Chamge to on time payments Last report date XX/XX/XXXX Chamge to on time payments XXXX XXXX XXXXXX/XX/XXXX Last update XX/XX/XXXX Positive on time payments XXXX XXXXl Open date XX/XX/XXXX Last report date XX/XX/XXXX On time payments XXXX  open date XX/XX/XXXX Charge off delete Last update XX/XX/XXXX Thats charge off delete XXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX update to on time payments I am going to Folllow up with a civil suit as well Im going to notify the attorney general after I get response.
Complaint sub-issue: Don't agree with the fees charged

I am a XXXX XXXX of XXXX XXXX university XXXX college located XXXX XXXX XXXX at the XXXX XXXX, I have been receiving my refund from the school, but after the last payment on XX/XX/2018, so I have written to both the school officials and the financial aid, but no response. Please I need my money because I have gone through pain and suffering, I have been delinquent on credit card and had several late payment on rent.