Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I was disputing a Bankruptcy on my credit report that XXXX   verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them XXXX stating they were able verify that bankruptcy from my credit report by verifying it with a third party called LexisNexis. So on XX/XX/2020 i sent LexisNexis letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. As of today XX/XX/2020 i have not gotten a response from them.
Complaint sub-issue: Old information reappears or never goes away

I submitted a dispute for a car loan with XXXX XXXX XXXX XXXX that was a paid charge off on my account. The results of the investigation stated that the item would be removed in XX/XX/2019. I called XXXX and was utterly disgusted at the level of service that I received. The representative advised me that the item would not be removed until XX/XX/XXXX.which is totally unacceptable. I requested a supervisor and was passed around like a ping pong ball by XXXX, XXXX, XXXX, XXXX, XXXX  (totally condescending and transferred me back to the XXXX  after requesting a supervisor in the USA, XXXX  (hung up on me). At this point they even blocked my cell phone so it just rang when I pressed 2 for a customer service representative but when I called from my house phone a representative picked up immediate while my cell phone continued to ring.I finally got a representative in the USA by the name XXXX  who got me to a supervisor by the name of XXXX, She made every effort to assit but since I verified every item on my credit file successful except the month the dispute was filed they denied me service. This item has been removed from my XXXX  XXXX  report for almost a year so there should be some consistency with how these investigation are managed. If the results of the investigation were inaccurate I should not be penalized for their mistake. This company should not be allowed to manage anything pertaining to peoples livelihood.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( XXXX ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Account information incorrect

The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and Great Lakes, my loan servicer to update the record but it has not happened.
Complaint sub-issue: Account information incorrect

XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$300.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and has not supplied any proof to me. There is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.
Complaint sub-issue: Information belongs to someone else

I have contacted these credit bu bureaus about a collection account that is on my account that does not belong to me. I have sent letter after letter asking for the inaccuracies of this account and other accounts to be removed. I have I have yet to hear anything back from the credit bureaus. I have sent numerous letters and made numerous phone calls about the matter but they have been completely ignored. The information that is being reported on my credit report by the bureaus is not accurate and is not valid I would like for this to be re-investigated and removed because it does not belong to me. These accounts are in violation of my rights. These accounts are reporting collections status with past due balances which is impossible. How can a account being a collection status, but have a past due balance. That is a violation of my rights, and it is not being reported as accurate invalid. The dates on these accounts are in accurate, each bureau is reporting different dates for the same account. How is that possible in regards to the same account with the same account number but all the dates are different and balances are different. I want this stuff removed immediately from my credit report and sent a copy of my report in the mail to my address ASAP.
Complaint sub-issue: Investigation took more than 30 days

I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked for debt validation on my credit report from Equifax. I have requested this many times over the last 5 months and every time it comes back with " verified '' however Equifax never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX. I have sent certified letters on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX all requesting that I have proof of this debt and every time without proof they have verified it.
Complaint sub-issue: Problem during payment process

I submitted a payment through the " Bill Pay '' service provided by my credit union on XX/XX/XXXX. The payment is shown as received by my credit card company, First Progress, on XX/XX/XXXX. As of today, XX/XX/XXXX, however, the payment has not been applied to my credit line. 

I called First Progress on XX/XX/XXXX to inquire and was told that they received the payment on XX/XX/XXXX and it takes 48 hours to post. When I pointed out that it had been 5 days since the payment was received but had not been applied to my available balnce, the agent spoke with her supervisor. After speaking with her supervisor, I was told that it should have posted to my available credit on XX/XX/XXXX and that I should call back Monday XX/XX/XXXX if it did not post by that time. 

When I called back today, the agent told me that the money is now on a 10 day hold but could not explain why it is on a 10 day hold rather than the 48 hours that is usual. She also could not explain why the agent I spoke with on Saturday did not tell me of the 10 day hold nor why that agent 's supervisor did not advise her or me of the 10 day hold. 

After speaking with a supervisor, I was told that because it was a check that the bank could cancel it and not honor the funds. I advised her that it was not a check but rather a transfer from by bank, which is the only payment method they accept unless I pay an additional fee to make a payment over the phone. She said it's on a 10 day hold and there's nothing I could do about it and then quoted me the section number in the cardholder agreement that said they could hold funds for 10 days. 

She could not explain why neither the agent I spoke with on XX/XX/XXXX nor that agent 's supervisor saw this or informed me of it. At that time I requested that my account be closed and all of my deposit returned. She said this will take

10 weeks to process. I asked about having it expedited, as the website mentions it can be. She informed me that it would take 2 to 3 weeks once they receive my fax. I asked why she was quoting 2 to 3 wee
ks when the website states that it is 7 business days, and she said that was allowing 10 days for mailing time.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ; XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX Dept.Of Education/XXXX  Acct # XXXX Dept.Of Education/XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C.1681 15 U.S.C.1681 section 602A : States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Didn't receive advertised or promotional terms

I had a Fidelity Rewards credit card issued by U.S. Bancorp that was converted to XXXX XXXX XXXX in the summer of 2016. The advertised rewards from XXXX is that you receive double points for all qualifying purchases and 2 % rebate if the rebate is deposited into a Fidelity account. 

I have been diligently redeeming my rewards over the past year only to realize that I had only been given 1 % instead of the 2 % as advertised. I never received any information that upon my account converting from Bancorp to XXXX, I was supposed to call to change my rewards level. This was not clear and a very deceptive process for all customers. 

All along I was using my card to receive the 2 % and I was only given 1 %. This needs to be better communicated and any accounts converted should have received information regarding the steps to take to ensure they were participating in the right rewards program.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted equifax about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! I want this off my credit asap! 

yall keep saying yall are doing a internal investigation but are saying it is factual information how can fraud be factual information!
Complaint sub-issue: Not given enough info to verify debt

Original debt was not submitted to insurance company therefore I was billed. I have since reached out to the collection company to get information on how to settle this matter. Can not get necessary account information to pay this off.
Complaint sub-issue: Contacted me after I asked not to

I sent a written cease and desist letter via fax on XXXX XXXX telling them that I would contact the originator of the alleged debt to work out any concerns. I received a notice from the RMS on the XXXX stating I had 10 days to pay them with fees and interest or they would contact the credit reporting agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit reports. Please be aware, XXXX  has already deleted this account as it was in violation. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact bearing my signature with your company, giving you the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you have no legal right to collect because you do not have no original contract on file with my bearing my signature and please do not reply with copies of credit card statements, or copies of papers from third party carrier or original creditor, as this do not validate the right for you to collect, as this will  not hold up in court. 

Again, I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt.

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.
Complaint sub-issue: Deposits and withdrawals

I requested a wire transfer. Ally then locked my account for no reason. I called numerous times and I have provided all information that Ally told me to send them. I have asked to speak to a supervisor and I had to leave a message and after calling the fraud department again they told me it would be a few days before a supervisor returned my call. I asked the rep XXXX what Ally 's address is and he told me to go look it up in XXXX. I did XXXX it and Ally has numerous Address 's so which one to contact is difficult to determine. Most of the customer service reps have been unhelpful. Even though Ally claims they are available 24/7 that is not the case. I have called in the middle of the night and I am told to make a selection and it does not allow me to. Ally 's customer service has has dropped into the gutter. You can only contact their fraud dept from XXXX XXXX  to XXXX and then they request proof of life and all sorts of personal identification which I have previously provided them when I opened my accounts and my accounts are still locked. I only found out my accounts were locked by accident. Ally sent emails but they should have called me. The emails said I had to call and verify some information which I did now Ally takes their time verifying the info I sent and my accounts are still locked. I have been a customer of Ally for at least 10 years and once I sent the information they requested they should have unlocked my accounts. Does Ally have this much supposed fraud going on that it takes them days to verify my info. Something is wrong with Ally to have this much fraud taking place when a long time customer like myself is suddenly lcoked out of my accounts and then Ally will not resolve the situation in a timely manner and then not able to contact a supervisor.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an fraudulent inquiry on my account from US Bank and XXXX is taking no action to help remove this. I've reported this to US Bank and have no reply. I need this inquiry removed now.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I have made over 120 qualifying payments toward PSLF but I only have two payments showing as qualifying. I had been with XXXX XXXX since XXXX, having only Direct Loans. I was on track for forgiveness. The limited waiver was applied to my account in XXXX of XXXX. The payments across my loans were now different for unexplained reasons. I consolidated the loans to obtain the correct highest counts across all of my loans. The consolidation completed in XXXX of XXXX. I was forced to choose Mohela rather than XXXX at the time of consolidation. I have since had an employment certification form processed by Mohela in XX/XX/XXXX. The payment count on the consolidation loan was updated from zero to two payments. I contacted Mohela regarding when the qualifying payment counts prior to consolidation would be included in the total. Mohela indicated that they would be included by the end of XX/XX/XXXX. In the beginning of XX/XX/XXXX, I filed a compliant with the FSA Ombudsman group.

The FSA Ombudsman group has indicated that XXXX XXXX is supposed to update the count, Mohela is supposed to update the count, and that the Department of Education is supposed to update the counts. I have contacted each of the Mohela, XXXX XXXX, and the Deptartment of Education, but no one seems to know who is supposed to update the account. I contacted the Ombudsman groups at each of Mohela and XXXX XXXX while on the phone with the FSA Ombudsman. The FSA Ombudsman group told XXXX XXXX XXXX Ombudsman that XXXX must transfer the loan information to Mohela to get the counts updated. The FSA Ombudsman later told Mohela 's Ombudsman that the waiver will not be applied until later in the fall. I told both that the waiver had already been applied to my account in XXXX of XXXX. The FSA Ombudsman then said that I had to wait longer. When asked how much longer, no answer was provided. The FSA Ombudsman indicated that they have no timeline in which to process the waiver, that it can take years, and that I have no recourse. 

I have only had Direct loans and have only had one employer - the federal government. 

XXXX is in my promissory note. I have made over 120 qualifying payments and over 118 of them are not being counted. I have already made the qualifying payments toward forgiveness, but my loan servicer refuses to acknowledge them so that I qualify for forgiveness. It has been five months since my consolidation completed, and all of those qualifying payments made before consolidation have disappeared. Nearly ten years of payments are being ignored. Each of Mohela, FSA, the Department of Education, and XXXX XXXX are blaming each other as to why these qualifying payments are being ignored.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/XXXX Conn 's first inially stated I owed {$3300.00}. 
I eaxplained I never took delivery of the mattress. 
XX/XX/XXXX They finaly removed the mattress charge but the tv charge should only be {$660.00} XX/XX/XXXX The TV chaerge was still showing {$760.00}. The tv was only {$660.00}. 
XX/XX/XXXX I could not longer make payments Conn 's company would not tell me the late fee cahrges only what was due. 
XX/XX/XXXX I emailed Conn 's and said I can pay {$25.00}. They asked me to tell them why I explained I was no longer working they said I need to borrow the money to pay them. 
XX/XX/XXXX Still not working I can pay {$25.00}. Conn 's said I owed {$890.00}. 
XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owed {$990.00}. 
XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owe {$1300.00}. 

The amount I owed kept increasing with no explanation. However on my credti report it reported I owed {$760.00}. 

I attempted to contact COnn 's and explain that the ampunt of teh tv was {$660.00}. Please send me a ledger with the monthly late fees showing the amounts and they will not. 
They tell me one amount but I check my account online and its always more. 
I want to pay for cost of the tv. Not all these different chanrges that seem to be made up.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  has been non-compliant with removing the unverified account OMNI FINANCIAL which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that OMNI FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.