Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

I was steered into a prolonged period of general forbearance by my loan servicer ( FedLoan Servicing ) from XXXX of XXXX through XXXX of XXXX. My partner lost his job, cutting our available household income in half, but since we were not married, his loss of income did not lower my monthly IDR payment, and I was told that my only option was to go into forbearance if I could not afford my payment. The result is that I lost over 20 months of eligibility toward Public Service Loan Forgiveness during this time because of this bad advice. I should be eligible for loan forgiveness now, since I have been repaying my loans since XXXX of XXXX, but I still have two more years before I will be forgiven because of this bad advice to stay in a prolonged forbearance.
Complaint sub-issue: Reporting company used your report improperly

The bureau says that they verified this inaccuracy with XXXX XXXX which is a lie because it has been frozen since XX/XX/2020. I have provided written proof. In addition, the bureau has infringed upon my right to privacy based on the law 15 US Code 1681 ( a ) ( 4 ). With respect to privacy there is no such thing as a matter of public record for XXXX XXXX XXXX being as tho I am the consumer.
Complaint sub-issue: Account information incorrect

I tried reaching out to US Dept of Ed after my mortgage loan advisor told me that my account is showing past due. It appears that XXXX is mistakenly reporting the account as past due when really all of my accounts are current. US Dept of ed is stating that they dont see the error on their side so i need assistance having this updated.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Complaint sub-issue: Information belongs to someone else

I got my credit checked today XX/XX/19 because I want to refinance my car and I am unable to do so because there are several accounts reflecting badly on my credit report. There are about ten accounts on my report that are not mine. I had no idea that these accounts were open in my name before today ; I did not give anyone permission to open all of these accounts nor have I ever opened an account with any of those companies. I did not benefit anything from these accounts nor did I take part in any transactions that were made with these accounts. I do not have any signed or verbal contract with any of these companies and I filed a police report regarding this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

delete the hard inquiries XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX please remove these inquires
Complaint sub-issue: Account status incorrect

I traded in my car with XXXX XXXX XXXX XX/XX/XXXX. They are still reporting to the credit bureaus. The first time I called a lady told me my payout was paid on XX/XX/XXXX. So I waited a month. Now its another month later and they are still reporting. Tried to get in contact with someone but no one has fixed the problem.
Complaint sub-issue: Investigation took more than 30 days

This is my third time asking company to re-investigate my credit report they have not respond to me with any updates on removing inaccurate information off my credit report i have certified documents that prove that there investigation has took well over 30days. they use stall tactics to try and not investigate my issues. this is XXXX XXXX i am submitting this complaint on my own behalf
Complaint sub-issue: Their investigation did not fix an error on your report

Here we are yet again! The laws are not being followed. Under the FCRA, if proof of a contract, a physical signature, a recording by video or phone of a person asking for a line of credit is not available, it can not be verified or validated that SAID PERSON has a line of credit with an individual or company. Furthermore, IF IT IS NOT 100 % TRUTH it can not be reported. In addition, under the FCRA, false reporting can be compensated at {$1000.00} or more per offense. Now lets review this once again! 

Attached you will find letters dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In them are out right lies. 

XXXX Cards were not applied for by me * No contract to present * No physical signature to prove it was me who asked for the line ofcredit or used it * No email received : No in " IN BOX '', " SPAM '', or " JUNK '' * No phone call by me : I do everything my mail/certified mail in case I need to go to court * Card not applied for, as I always do, with my full name. If only middle initial is asked for I leave it blank and enter first and middle name on " FIRST NAME '' line * Copies of statements are not proof of an account in my name for verification or validation by court of law. 

My credit and name have been trashed my XXXX, XXXX, and the people who bought their debts XXXX XXXX. I have asked for 2 years now for proof and there has been none. I have not made payments on these accounts, used these accounts and I did not request lines of credit with these people. I'm willing to stand in front of a judge and state this as matter of fact. These companies can not stand in front of a judge and MATTER OF FACT prove any of the above.
Complaint sub-issue: Account status incorrect

XX/XX/2022 is reporting 30 days late on my credit report. I have tried to resolve this many of times. I paid this account on time. Your reporting system is reporting inaccurate information. By your system not working properly it has put a burden on my character to the lenders. It shows that I am unable to make payments on time which will make lenders deny me for a loan. Also, this is not the first time this has happened to me. Under federal law this is a violation. I tried numerous of times to fix this situation but, when I do I get treated unfairly and rude. 

I made the payment XX/XX/2022 I have bank statements for accuracy in my dispute. 

This is not 60 days late! 

This is starting to become very stressful when Im trying to apply for loans and I keep getting denied for their negligence!
Complaint sub-issue: Debt is not yours

This is not my dept I have disputed this several times XXXX  is the only agency with this dept on my report and I want it deleted
Complaint sub-issue: Information belongs to someone else

Sent certified letter to Equifax and delivered on XX/XX/XXXX, regarding XXXX, No Response from bureau, and my previous complaint regarding hard inquires filed on XX/XX/XXXX still no update or response.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 30 days and nothing have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach.
Complaint sub-issue: Debt is not yours

XXXX XXXX, and Equifax received an Identity Theft Affidavit from me and refuses to remove the account. It was not blocked in era and if they believe it was Id like a senior member of their organization to sign an affidavit under the penalty of perjury stating this. They continue to play games and responded to my request asking for information already presented to them.
Complaint sub-issue: Their investigation did not fix an error on your report

I find it disheartening that you keep claiming these 2 accounts to be verified and IT IS SO ABUNDANTLY CLEAR that the information is inconsistent. Now rather its you or the other credit bureaus that is reporting the incorrect information is none of my concern. The point is ONE OF YOU is WRONG and until you can prove to ME that you are the bureau that's correct, then ALL of you is WRONG. Please delete these accounts.It is so clear it wasn '' t properly verified. All credit information reported to the credit bureaus must match in its entirety amongst all credit bureaus and if you look at mt attachments as proof you can see that is not accurate and consistent. The accounts in question are XXXX XXXX  XXXX and XXXX XXXX  XXXX/XXXX XXXX XXXX. Here is the incoonsistencies with XXXX XXXX. The DATE OPENED is inconsistent amongst you and the other 2 bureaus, LAST REPORTED is inconsistent amongst you and the other 2 bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus and the DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. Now for XXXX XXXX  XXXX/XXXX  XXXX  inconsistencies. LAST REPORTED is inconsistent amongst you and the other bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus an DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. AGAIN I have attached documents that clearly show that you have not properly verified anything. Please review
Complaint sub-issue: Their investigation did not fix an error on your report

My complaint is against Equifax and  XXXX . There are liens appearing on both. The liens are  PAID. T he liens were filed " after the fact ''. The debt was satisfied before the liens were filed. Yet, they refuse to remove since the liens were filed in error. They are going to keep on my files for 10 years. This is absolutely insane. This is causing me much   XXXX   as I am attempting to purchase a home. As long as the loans appear on file, even though they are paid, lenders are declining credit or charging exhorbitant interest rates. I did not have this same problem with   XXXX  . Equifax and   XXXX    should be held accountable. They are truly inept and have horrible customer service agents. Why do we have to have (  XXXX  ) bureaus, any way? This is absurd ... ..
Complaint sub-issue: Information belongs to someone else

My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items I have never heard of. These things on my report are not mine. Please remove these items from my report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX account number ... 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. Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Problem with balance transfer

With a good credit score of XXXX, I applied for XXXX XXXX XXXX XXXX XXXX " XXXX XXXX '' balance transfer card with the intention of using its advertised balance transfer feature. 

The card is advertised at this URL : XXXX : XXXX? XXXX & XXXX From that link you can see the boxes that I filled out : they include basic demographic information, XXXX, annual income, and a box that says " I'm interested in a balance transfer '' - which I selected. 

Radio silence for a few weeks with no emails in my inbox. I called to check on my application after a week and it was still pending. A week later, I called and was told that my card had just been mailed to me with a {$600.00} credit limit. Surprised, I asked what happened to the balance transfer - I was expecting that to be defined before the card application was complete. From a perspective of common sense, {$600.00} is not a reasonable amount for any conceivable balance transfer. I am left to think that there is a missing field on the form, and my application was processed carelessly or negligently. 

When I called, they told me they were unsure about what I could do about the balance transfer, but that I could request a higher balance, which would be yet another hard pull on my credit. Over the phone, I consented to another hard pull on my credit to increase the balance limit to something that would be reasonably useful for the advertised balance transfer feature. Just now, I called back and have been told I was declined because my account hasn't been active for 6 months yet. This obviously makes the balance transfer unusable, since only 18 months are held at 0 % APR. Consequently, I have been forced to close the card having never even activated it. 

I have no idea how these two hard pulls on my credit - one resulting in a decline- have affected my XXXX score. I feel like this whole interaction has been disastrous. Emails from XXXX XXXX XXXX come into my Spam inbox under the generic name " cardholder services '', and the underwriting phone support, when I have called, have not budged beyond their stock justifications for the likely erroneous {$600.00} credit limit.
Complaint sub-issue: Information belongs to someone else

According to the FAIR CREDIT REPORTING ACT credit reporting agencies have WITHIN 30 days to investigate unverified and inaccurate information. If its not done within that time frame credit bureau must delete all disputed items. On XXXX 2021 I XXXX XXXX submitted a dispute letter to EQUIFAX ( certified mail receipt ) disputing several inaccurate items on my profile. Return receipt shows EQUIFAX received my letter on XX/XX/2021. Today is XXXX, XXXX 2021 and I have heard nothing back from EQUIFAX which puts them in direct violation of the FAIR CREDIT REPORTING ACT being that they are passed the 30 day deadline. This complaint is being submitted to the CFPB to help ensure EQUIFAX follow the law and DELETE all inaccurate and unverified information from my credit profile. Thank you for your time and assistance in this matter.
Complaint sub-issue: Was not notified of investigation status or results

I should not have to be doing this complaint if the credit bureau were doing their job. Back in XXXX XXXX XXXX I filed dispute with XXXX XXXX XXXX Equifax. There are things on my reports that are not correct and I want them corrected. This should not take this long to do that. Attached is the first disputes I submitted
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$55.00} XXXX XXXX XXXX {$1100.00} XXXX   XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX {$440.00}
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX mailed certified letter to AmeriCollect requesting debt verification and all information requested in letter be sent, if available ( attached ). 

XXXX - AmeriCollect responded with original creditor 's bill and over half of information requested not available. Also, my legal name on their files are incorrect. 

XXXX - collection REMOVED from all credit reports. 
during this time and XXXX collection account was placed back on all reports. 

XXXX mailed another certified letter requesting complete documentation for a second time. All information requested in yellow was not provided the first time. This letter was received on XXXX at XXXX and I received a voicemail from them the same day at XXXX. ( ALL information attached ) XXXX I received a letter stating that my request was " frivolous and irrelevant. '' I have disputed this because they can not provide requested information and my name listed on the bills are not my legal name. They also continue to call daily, sometime twice a day or more.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hi, I opened a dispute with Citibank credit card, the dispute number XXXX for the amount of {$1000.00}. The credit is no longer investigating this dispute as they said that their are satisfied with the results on their end. 

Here is a timeline : On XX/XX/XXXX, I started inquiring about 3 rooms for my trip. I had advised the hotel that I will enter the country through a cruise ship that will dock on XX/XX/XXXX at XXXX XXXX. I will check out on XX/XX/XXXX to catch my flight home. 

On XX/XX/XXXX, I proceed to book the 3 rooms with them. My confirmation numbers are XXXX and XXXX. The third room was booked by our friend under her card separately. Everything was officially confirmed on XX/XX/XXXX. 

On XX/XX/XXXX, 9 days later I started to contact the hotel requesting to cancel the rooms due to the breakout of the COVID - 19. My family members and children traveling with me were not comfortable in going to XXXX because of the virus. The hotel refused to cancel and refund the money. They had advised that XXXX was still open and will continue to be fully operating in XXXX. I have reached out to the hotel from XX/XX/XXXX through XX/XX/XXXX asking them to cancel, which they refused to. They did offer to reschedule for a later date, however, as the virus became a global pandemic and is not safe to travel at this time. 

I have also contacted the cruise line on XX/XX/XXXX to cancel the cruise and airline tickets. As you can see it was a large group of us traveling. They were very understanding and agreed to cancel the trip. I have also attached the cancellations from the cruise line so that you can see the trip was cancel in full. 

Again I have reached out on XX/XX/XXXX asking them to cancel and refund and again they refused to. I have explained to them again that New York is still on lockdown and I am not sure when we will be reopening. I have explained that the cruise and airline tickets have all been canceled and I can not travel at all. I have told them a few members that were traveling with me have been tested positive for the virus and are slowly recuperating. 

I have had this trip planned since XXXX, believe me, if I could I would love to go but with the situation with the world right now it is not safe and I refuse to put my family and children 's health at risk. 

Please review and advise if you need any further documents or information. 

Please help to reverse this charge. 

Best regards, XXXX XXXX Attachments Displaying CITIBANK.pdf.
Complaint sub-issue: Funds not received from closed account

I am XXXX XXXX  XXXX XXXX XXXX XXXX of XXXX  XXXX XXXX XXXX XXXX number XXXX. Our XXXX  XXXX XXXX XXXX have a Us bank  business account number XXXX, Routing number XXXX. Our XXXX  XXXX XXXX XXXX, Us bank business account are place on hold by Us bank  XXXX XXXX with out our authorization or merit. XXXX  XXXX XXXX XXXX, Us bank business account number XXXX, have {$110000.00} Capital Funds on hold since XX/XX/2022, and denying XXXX  XXXX XXXX XXXX XXXX of directors, no access to the {$110000.00} Capital Funds for daily business. This unfair action by Us bank  XXXX XXXX, violate, California XXXX Fair Business Practice Act Protection laws, California Deceptive Trade Practice Act Protection Laws, and the California unfair Competition act Protection laws.
Complaint sub-issue: Need information about your loan balance or loan terms

XXXX  XXXX was not my original servicer, XXXX XXXX   was. I believe consolidated my loans in XX/XX/XXXX to pursue the public service loan forgiveness ( " PSLF '' ). I have been working in XXXX XXXX since XX/XX/XXXX. When I submit my annual certification for PLSF, XXXX XXXX is not counting my public service while XXXX XXXX was the servicer. I have called XXXX XXXX two times and tried to resolve this. Both times, the agent went back into the XXXX XXXX profile and saw my payments made under XXXX XXXX, but before they credited those monthly payments, they disconnected the phone and did not call me back. Each of these calls took about 45 minutes, and that was my whole lunch break, so I could not call back. On XX/XX/XXXX, I wrote a letter to XXXX   XXXX regarding this, and I have received no response back. I would like XXXX XXXX to properly credit my monthly payments made while working in public service. 

Another issue is that for years, XXXX XXXX and XXXX XXXX refused to send the applications out for loan recertification. After I would call and beg for the applications and supposedly get sent the applications in the mail, which I never received, and then begged for the sites for the applications, I would always send in my applications on time. But it would take these servicers a ridiculous amount of time to " process '' what my new payment amount would be. Because they didn't know what my new annual payment was going to be, I had the option of making a full standard payment, which was basically all my earnings for a month, or going on forbearance, and not having that month count toward my PSLF. This is also an unfair practice, when the rubric for calculating a monthly payment is so simple and completely in control of the servicer. XXXX XXXX has since changed this, requiring documents to be sent in sooner, so they could process the new payment amounts by XX/XX/XXXX or so, but I believe those months spent working in public service and having to go on forbearance because the servicers couldn't properly process the payments on a timely application should also be counted towards my 120 payment total. This happened for four years, resulting in 4 months less counted. If they did this for 10 years, it would take just about a whole extra year to achieve forgiveness, which is not fair.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX 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 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