Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

The collection agency has used deceptive practices by serving me at an address that they knew that I did not reside at because they pulled my credit. I also did not know that this company won in court a default judgment in which I had a judge vacate because I was never properly served. 

I also sent a letter to validate the debt not knowing that I had even lost a case with USPS tracking number XXXX that clearly states on my return information that my address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX. They replied to my parent 's address. The only reason I found out was my dad had XXXX on XX/XX/2019 and I went home to help him with his recovery and that's when I went to court to get a motion to vacate. 

This company practices deceptive practices and should be punished for its willful violation of the FDCPA.
Complaint sub-issue: Can't use card to make purchases

Im unable to login to my account to make payments or login at all their system doesnt recognize my infria ruin when trying to reset my username or password horribke and I want a credit line increase they never give me one Ive been loyal for years their system doesnt see this and I want contactless technology on the car tap pay and the gas pump stations should add it as bp this should become available
Complaint sub-issue: Information belongs to someone else

I have sent out letters to dispute accounts which does not belong to me. It has been more than 100 days but I did not receive any response from them. I filed a dispute exactly last XX/XX/2022, another one from XX/XX/2022 and XX/XX/2022. They are not investigating about the issue nor taking proper measures when they received my letters.
Complaint sub-issue: Attempted to collect wrong amount

I was told the {$730.00} debt would be deleted from my credit report and it still has not been removed completely just like what we agreed to over the phone.
Complaint sub-issue: Investigation took too long

Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months Equifax continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Equifax is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Equifax XXXX the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, XXXX
Complaint sub-issue: Received bad information about your loan

XXXX is handling The public service loan program irresponsibly and sending misleading information.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Problem with fees

My  XXXX  2017 payment was due on   XXXX   XXXX   2017.   XXXX   XXXX   XXXX   is a Sunday. I mailed my payment from  XXXX  on   XXXX   XXXX   a Tuesday to   XXXX   XXXX   Mo. I understand the mail is erratic but it seems that 4 days should be sufficient US Bank says they received the payment on   XXXX   XXXX   2017 a Monday. I called customer service to remove the late charge of {$27.00} saying the due date was a Sunday and to please offer a courtesy considering it was received on Monday   XXXX   XXXX  . I was refused. I asked to speak to a supervisor but no one called me back. I feel US Bank is just trying to collect fees and that the  XXXX  is ex orbitant
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur during XX/XX/XXXX through XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Complaint sub-issue: Account terms

Equifax has not updated the information provided by XXXX mortgage XXXX provided wrong information to credit bureaus Equifax is the only company NOT to update after receiving info from me and XXXX they continue to leave foreclosure information on the bureau report even when asked by XXXX and my self to remove ( see attached )
Complaint sub-issue: Not disclosed as an attempt to collect

The debt that rossman and co is reporting to the XXXX major credit bureaus has reached its age of ineligability to be reported to them. The original creditor has since removed it from the reports but rossman and co claims it is eligible because it was just reported to them recently. I explained to the customer service rep that the seven year reporting time could not be extended beyond the seven years from the original default date regardless of when rossman received it information from the original creditor. I told them numerous times over the last few weeks that I wish to file a direct dispute to have the debt report removed and they referred me to their website which does not provide a way to directly dispute anything. I have sent numerous emails but no one will respond from XXXX. Please help!!! XXXX XXXX XXXX -- -original creditor is XXXX. My contact info is : XXXX or XXXXXXXXXXXX
Complaint sub-issue: Information belongs to someone else

XXXX is reporting an inaccurate collection on my credit report, I've disputed this account & they will not provide me with any updated information. I called the collection company on XX/XX/XXXX & requested that they provide me with any type of proof being a signed contract with my signature state that I've done business with them & that I owe them money, they refused to comply & told me that they provided XXXX with the " proof '' & to contact XXXX. I called XXXX on XX/XX/XXXX & spoke with a gentleman named XXXX XXXX & he placed the blame back on the collection agency. I don't even think that this collection agency is licensed to collect " debts '' in North Carolina.
Complaint sub-issue: Account status incorrect

Core Logic Credco has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.
Complaint sub-issue: Information belongs to someone else

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

I have a XXXX card issued by Fidelity ( Elan Financial Services ), and I'm filing a complaint regarding their lack of security procedure to protect their customers. 

On XX/XX/XXXX, after my card transactions were denied, I called their Customer Service line. The agent sent me a text to my cell phone for a 2-step passcode after verifying my other info. After that, I was told by the agent that on the previous day ( XX/XX/XXXX ), someone called in and reported the card was lost. The person requested that new cards be sent to XXXX, XXXX- not the address on my file. Fidelity processed that fraudulent request, cancelled my card, and was in the process of issuing new cards to the fraudulent address. I asked how could Fidelity process such request when I had to go through the XXXX verification. Plus, I never received email notification regarding my card 's cancellation. The agent said that she'll stop sending the new card to the fraudulent address, and re-issue new ones to my home adrress on file. She said the previous call will be reviewed, and gave me a case number. She said I can call the XXXX XXXX. XXXX to follow up. 

On XX/XX/XXXX, I called the Fidelity Visa card Fraud Line, and asked to speak to a manager. Manager XXXX  came online, and said the call recording of the first agent was reviewed, and the agent did nothing wrong because the caller had all my info. I asked how can Fidelity process the fraudulent request when I had to go through the 2-step verification. He responded that the 2-step verification process has been added to my account AFTER I reported the case- which is NOT true because when I called in on XX/XX/XXXX, I had to go through the 2-step process. 

I also asked why Fidelity did not have the security feature to alert account owner regarding card cancellation request, especially new card is to be sent to a different address. He just verified my email address on-file without answering that question. 

I'm filing security complaint against Fidelity Visa for lack of security procedure to protect their customer. 

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

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been fighting with ID THEFT for sometime now and there are fraud accounts reporting. Ive tryed disputing this info but am not able to get the accounts blocked and or removed even after dispute. I have sent in all supportting documents to include police reports and ID THEFT affadvits and then some in support of this fraud!! The following is fruad and needs to be removed ASAP. 
1. XXXX XXXX XXXXAccount number XXXX Payment Info Original loan amount {$2800.00} Balance {$2800.00} Updated on XX/XX/2019 2.XXXX/XXXX  Account number XXXX XX/XX/2019 3.XXXX  XXXX  XXXX  Account number XXXX XX/XX/2019
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, XXXX disputes were sent to the 3 major bureaus. The company TEK-COLLECT is still reporting the debt of {$19000.00} for XXXX XXXX is somehow mine when in fact it was another person who is now deceased.
Complaint sub-issue: Information belongs to someone else

I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX # XXXX, XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I have requested a credit block on all of my Credit information. This is my official Police report on file.
Complaint sub-issue: Unable to open an account

In XX/XX/21 I opened a checking and savings account online with Citi Bank. After receiving the checks and debit card in the mail I tried to login online to activate debit card. I no longer had access and I called in and was told they could not verify my identity. Makes no sense as I have 2 credit cards with them and bank at multiple financial institutions. I wasnt going to argue about it. I asked for my funds to be sent back to me and that never happened. I waited until mid XXXX and called in again and asked for my funds to be returned and that what they were doing is illegal. Was transferred several times again and told what happened was a mistake and I would get a new debit card in the mail and my account was reopened. That has not happened and they have not returned the funds. Im extremely frustrated and there is no Citi Bank location near me to go to.
Complaint sub-issue: Can't get flexible payment options

I have been paying my private school loans since XX/XX/XXXX. Never late, no problems. In XX/XX/XXXX, I lost my job and entered into a graduated extended repayment schedule with Access Group. At no time did they tell me it was only for 2 years with that repayment structure. During this time, Access Group sent my loans to be serviced with XXXX. XXXX has been a disaster from the start. They took away my repayment structure telling me the time had expired. Since that time, I have been having trouble making my monthly payments because I can not afford them. I get calls on my cell telling me I 'm late and threatening to report me to the credit burue said the time. I also receive emails from access group telling me to contact them to talk about my options on repayment. I call each time I get that email and then they tell me, there are no options. I do not understand how this company rather get paid zero than try and work something out so they can get paid something. People at this point have nothing to lose by not paying their loans. We have no property and our credit scores are shot either way! I feel that access group/XXXX do not care about the millions of people that want to pay, but they refuse to work something out. I am sure that in my lifetime, the bankruptcy laws will change to have this debt dissolved, and I will probably be amongst the first to do so if access group/XXXX does not step up and work payment plans with people.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out over 60 days ago. I have not been notified as a consumer I feel like these clowns taking advantage of me.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Early morning XX/XX/XXXX I received a call from the fraud department of my credit card company, Citi, that there was unusual activity on my credit card. The agent informed me that there were three charges at an AT & T store in Georgia for nearly {$1000.00} each. I let the fraud agent know that none of the charges were mine and I was told that all three charges would be removed, my account closed, and new cards shipped with a new account number. However, only one of the charges was removed from my account and the other two remained. It wasnt until a week later when I received my new card and went in to activate them that I noticed the charges had not been removed. I called the fraud department and was told that the original agent didn't notate that I disputed all three so the other two would be left on my account. After explaining the issue repeatedly, the agent finally agreed to remove the charges. Guess what ... same story, charges were not removed.. so I called again and spoke to another agent and same result. I also disputed the charges online and nothing. I dont know how I can be charged for something I didnt buy and I clearly told the original fraud department agent that I disputed all three charges ... I am a 20+ year cardholder and can not believe that I am being treated this way. I want the charges removed from my account.
Complaint sub-issue: Debt was paid

My complaint is with Sears Master Card XXXX XXXX XXXX, XXXX XXXX, SD XXXX.They changed the limit of {$250.00}. The XX/XX/XXXX statement came with a balance of XXXX. I called and they said the limit went up to {$350.00}. I contacted them but they still said I am responsible because the computer does this automatically. I did not receive that letter until after the fact ( I am have my mail monitored by the USPS because we have not been receiving our mail ). I called to stop the charges immediately and I paid the {$250.00} I agreed upon initially but said I will pursue this further. Then I received another bill on the XX/XX/XXXX for {$460.00} which did not reflect the {$250.00}. The next statement for was XX/XX/XXXX was for {$260.00}. I explained to many representatives and the Acceleration Dept. that I am XXXX XXXX XXXX, on Social Security and working part time. The charges went for resumes for work and the fees for resumes are flexible which drove the bill past {$250.00} which I thought was the limit. I challenge anyone to tell me that they read every long microscopic detail of the credit card company 's explanation for why they are doing me a favor changing my credit limit. 
Supposedly, I have been a valued member of this company since 2011 and been paying my bill promptly since then. I received a letter on XX/XX/XXXX from XXXX XXXX, Executive Response Unit - XXXX I appeal to you for help
Complaint sub-issue: Overcharged for something you did purchase with the card

n XXXX I purchased a TV through Costco.com in the amount of {$180.00} ( {$160.00} plus taxes ). My credit card was incorrectly charged twice for the purchase of the TV. I disputed the charge and performed a charge back because I was incorrectly billed. On XX/XX/21, I attempted to place an order on Costco.com that Costco cancelled. On XX/XX/21 I called Costco and was told the order was canceled because I placed a charge back request for the TV in XXXX. I explained I was billed twice and did request a charge back. Customer service then stated the charge back was for a rug not the TV. I did place an order for a run in the amount of {$240.00} ( plus taxes ). I explained the rug was {$250.00} and not for the amount of the charge back. Customer service then stated I used a coupon, which I did not. On XX/XX/21 I received a letter in the mail from Costco dated XX/XX/21 stating I requested a charge back for an air purifier and that they were sending me to collections if I did not pay the {$180.00}. The air purifier I purchased from them was ordered on a different date/order and cost {$290.00} ( plus taxes ) not the {$180.00}. Again I did not request a charge back for either a rug nor the air purifier, just the {$180.00} for the duplicate billing of the TV I purchased. Costco 's explanation is ridiculous because both items they claim I requested a charge back for were both over the {$200.00} ( {$240.00} and {$290.00} ) which is obviously more than the {$180.00}. There is no way that I will pay for the TV twice and I shouldn't be sent to clooections for Costco 's mistake.

In addition, I received no correspondence from Costco regarding the charge back until I attempted to place another online order.
Complaint sub-issue: Reporting company used your report improperly

Equifax security breach, whole family affected including our children. Replacement cards, freezing accounts, constant credit monitoring to protect our credit that costs us with no reimbursement from equifax and will affect us for a long time. Equifax did n't notify us right away and waited until the media found out. This has caused anxiety and equifax has not provided any support.
Complaint sub-issue: Information belongs to someone else

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX other engineering company showing up pulling my credit with my permission please get this corrected they have been destroying my life hacking issues and other issues i filed to ftc
Complaint sub-issue: Reporting company used your report improperly

The Equifax breech put my security at risk. They used my personal information very poorly.
Complaint sub-issue: Trouble with how payments are handled

American Education Services is scamming XXXX of Americans out of their hard earned money. First let me say that none of my student loans were ever explained to me by my financial aid offices at the University XXXX at XXXX, University XXXX at XXXX, University XXXX XXXX or XXXX XXXX University. I was told that these were the only means of financing my education and that everyone had loans because the loan repayments were so easy and the cost to borrow the money was so cheap. Now I am riddled with student loan debt I do not understand. My federal loans seem to work just fine, I have set them up on automatic payments and I can see each month that the principal is reduced. My private loans, XXXX from AES specifically, are a much different story. AES has returned my payments on several occasions XXXX weeks after the payment was made and told me that my checking account does not exist just so that they can charge me a late fee, I resubmitted the same information about my account to them and the payments was processed without any issues but with the added late fee. My principal balance is XXXX times the amount that I borrowed XXXX years ago and they are applying 100 % of my payments to interest only despite that fact that I am not on an interest only repayment plan. I sent them a message through their email service in XXXX asking them why this was happening and I was told that I had made my last interest only payment that month ( extremely convenient ) and that my future payments would go towards my principal but alas even today my payments are being applied only to interest on my loans which never seems to go down. I took out approximately {$44000.00} from them around 8 years ago and today my balance is over {$65000.00} despite me paying over {$500.00} a month. In addition they purchased my loan from XXXX and despite paying nearly {$900.00} this year on that loan only {$110.00} has been applied to the principal. At this rate I will never pay off these loans, I will have a payment for the rest of my life. There is no light at the end of the tunnel with this company, they are not honest or they are incompetent but either way they need to be stopped. Knowing that I will never stop paying them as long as I live and knowing that because of the federal protection this bank receives on their private student loans I will not be able to rid myself of this bad debt in my lifetime, I am hopeless. I will spend the rest of my life handing over {$6000.00} a year ( that means I have to make {$12000.00} just to pay them off ) to an immoral company who is being protected by the same government who already takes a XXXX of every dollar I make. You have created this website to give people a voice and I suspect that this is all this website is intended to do by letting people write down their terrible experiences and feel like they have been heard. I am submitting this assuming that nothing will ever be done to this company and that should let you know how desperate I am.