Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent numerous letters to the three credit reporting agencies and also the companies involved asking to remove inquiries. I keep getting the run around credit bureau says to contact customer who put the inquiry on, the company says they ca n't remove to contact the credit bureau. 

None of these inquiries have been marked as disputed on my credit report, I do believe these are supposed to be verified just like any other thing on my report that I dispute.
Complaint sub-issue: Debt was paid

I was with the company sprint wireless for over 6 years, i have decided to switch providers due to ongoing billing issues and wasting 2 hours every month on the phone with them. My fianal bill was paid ( this was how i was able to prt my numbers and bring my phones to XXXX ) a few monthe later i staryed getting letter from a collection agency named anfi statin i owed ove XXXX dollars. I had advised them this is incorrect and i would like to see a letter statindwhat the money owed i also asked for my account history of all payments to show i was up to date when i left ther I never received anything from them so i disputed with the credit report companies but this debt keeps reappearing on my reports.
Complaint sub-issue: Their investigation did not fix an error on your report

when i reach out to XXXX  and XXXX  about two bankruptcy on my report they said they was verified thru a third party who which i or the us federal bankruptcy court have not gave the permission to report
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 15 USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : 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 state 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 crime 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 inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has agreed to remove all late pays from my credit reporting agencies profiles. Please see attached letter from them stating as such. Please have these removed as soon as possible as its damaging my credit.
Complaint sub-issue: Trouble with how payments are being handled

I had been with XXXX for my student loans for approximately four years, until I applied to the public service loan forgiveness program in the summer of XX/XX/XXXX. I am currently employed by a county government. I wanted to see if my payments qualified under the PSLF. This apparently automatically initiated XXXX to take over my loans beginning in XX/XX/XXXX. When this occurred, I set up my account with XXXX, including automatic direct debit. I even received an automated e-mail from XXXX saying " This is a reminder that you have an upcoming payment due -- but no worries! You 're enrolled in our Direct Debit service so the payment will be automatically withdrawn from your bank account. '' Several days after this payment was due, I got an e-mail from XXXX notifying me that my payment was late. I logged into my bank account and XXXX account and nothing had been posted. When I called their customer service line I was notified that their system takes 4-6 weeks for direct deposits to begin clearing. I explained that I had received an e-mail from their system stating that the payment be automatically withdrawn. No one at XXXX ( and I spoke to three different levels of customer service ) would take any responsibility for this error.

Additionally, when my loans were transferred to XXXX, a month in my payment was skipped. I believe the interest continued to accrue, and as a result my monthly payment went up by approximately $ XXXX/month. The customer service representatives did not seem to understand that the extra $ XXXX/month was not the problem for me -- I could afford $ XXXX/month -- but that over the term of my loan, that " missed '' payment resulted in a substantially larger increase in the total loan payoff.

I was notified approximately two months later that none of my payments were qualifying for the PSLF program. This program was the entire reason that I applied, and that my loans had been switched over to XXXX. Whenever I have tried to contact customer service I have had to speak to at least three representatives, all of whom try to pass off blame to " the computer system '' or on other employees, and have been singularly unhelpful.

More recently I have sought to adjust the term of my loan from a 20-year repayment program to the remainder of what would be a 10-year repayment. Their website offers misleading, and I would claim predatory, advice regarding the total interest and payments resulting from fixed vs. graduated monthly payments.

Every time I end up on the phone with XXXX to seek clarification about why a payment was not processed, or why they took an extra month to begin accepting payments on my loan, or to ask for a status update on XX/XX/XXXX tax documents, it is a very long wait to reach an operator, and then the customer service is not helpful either.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/XXXX while writing out bills, I noticed that Home Depot was not applying any monies to the deferred interest accounts that we have with them. Since XX/XX/XXXX I have been making payments, assuming that the deferred accounts were being paid down. I now have over {$1500.00} that has never had one dollar applied to the account.

I called Home Depot on XX/XX/XXXX and spoke with a representative and a supervisor that told me they do n't have to do that and I would have to call them each month and tell them where to apply the monies I paid. I told them there is nothing that I could find on the bill that indicated I would have to do any such thing. I told them it was unethical and it was obvious that they offered the no-interest as a way to get more money from their customers.

I am an authorized user on the card and I then tried to re-direct the XX/XX/XXXX payment to pay part of the no-interest accounts, at that time they would not allow me to make the changes and would have to have my husband make those changes.

Unethical, lying cheats!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i've called to get issue resolved but didn't receive the right help. inquires that are not associated with any account was not authorized by me. i would like for them to be removed immediately please.
Complaint sub-issue: Account status

I filed a chapter XXXX bankruptcy that was discharged on XXXX/XXXX/2008. I had a home equity loan with XXXX XXXX XXXX that was included. It is showing on my Equifax credit report as being reaffirmed. This account was never reaffirmed. I have disputed this with XXXX and Equifax several times and it is still reporting as being charged off after being reaffirmed on Equifax. The account needs to be removed from Equifax due to the bankruptcy was over 7 years ago. This account has been removed from XXXX and XXXX but still Showing on Equifax.
Complaint sub-issue: Problem with fees

A payment was due XX/XX/XXXX for regular charges and a balance of {$150.00} of for a non interest bearing promotional purchase. 
A check for {$530.00} was mailed on XX/XX/2021 in the pre addressed payment envelope provided by Citibank in order to cover everything that was due and to avoid any interest charge. 
On XX/XX/2021 ( ten days after the payment was mailed ) an email notice was received indicated they had not received the payment and it was now overdue. As it appeared the payment had somehow been lost, a call was placed to Citibank 's collection department and a {$500.00}. payment was made over the telephone. ( that was the maximum my bank would allow without pre authorization ). 
On XX/XX/2021 ( thirteen days after it was mailed and six days after the payment was due. ) there appeared in my checking account the cancelled check for the payment XXXX said it did not receive. 
Citibank would have me believe it took the post office nearly two weeks to deliver their pre addressed envelope. The result of this I am being assess {$170.00} in fees and interest because the check was not credited in a timely manner.
Complaint sub-issue: Information belongs to someone else

I have been constantly emailing this company since XXXX or XX/XX/2019 ... ... .each time I contact them I am given the run around. Its been 6 months already and I have provided them with every document they requested from me. This company is awful and is not doing the proper investigation in a timely matter. I have filed a police report and the bank account that was used has been closed. I went back to the police department because this company claimed they couldnt verify the police report was accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

XXXX FILED BK RECENTLY AND SETTLED A CLAIM FROM OUR BK XXXX FOR $ XXXX, ALL OTHER TRADELINES INCLUDING XXXX MUST NOW DO THE SAME.XXXX, XXXX XXXX  XXXX WAS FRAUDULENT MORTGAE SERVICERS AS YOU WELL NO.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute with Equifax on XX/XX/2018 and XX/XX/2018 with the student loan companies XXXX and XXXX XXXX XXXX XXXX/ XXXX XXXX. Prior to filing a dispute with Equifax, I contacted the company directly requesting any documentation supporting the claim that a debt is owed and they never provided any documents to support the claim. I also contacted XXXX XXXX XXXX XXXX/ XXXX XXXX directly and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with Equifax. Approximately XXXX months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called Equifax to receive an update and they told me that the company verified the account. I then asked them how did the company do so and they said electronically. I then asked if they could provide me documentation from company verifying the authenticity of their response, an d the representative explained that they do not have have any documents. I then asked, How do you verify if a company is reporting false information or not, and she couldn't respond. I asked her, if there was a procedure on determining if a company is reporting false information and she said no. I explained that I had contacted the companies and that there was no documentation and even no response and I question the authenticity of their investigation. Again, she could explain or answer any of my questions. She stated that whatever the company reports is what they report and that they have no way of verifying the information being supplied is correct. With that, knowing that the two companies being disputed have either refused to respond or failed to provide documentation, this shows that whatever information that Equifax claims to have if not correct. It appears that Equifax is allowing companies to provide false information with no investigation, despite what consumers are providing as supporting documentation. I have submitted this dispute over two months ago. Disputes usually require 30 days for a response. Not only did I not receive a response, but a true investigation was not completed.
Complaint sub-issue: Account terms

I see this company called XXXX pulled a hard credit inquiry I only have an XXXX and XXXX credit card. It should n't be on my credit report.
Complaint sub-issue: Don't agree with fees charged

My name is associated with a loan that is in the name of my ex-wife ( XXXX ). It was a consolidated student loan from 2002. When I asked FedLoan Servicing to help me in negotiating payment, I was directed to the Dept. of Education. The Dept. of Education basically pointed out that I have no loans in my name, and that there is no way for me to deal with any of my ex-wife 's loans. I hope to purchase a home in the near future, and the only potential source for negative credit is this loan, and I have no way of dealing with it. At this point, I would like for FedLoan Servicing to stop reporting the loan to credit companies, at least until I am given a way to negotiate payment.
Complaint sub-issue: Other problem

Yes I am owed XXXX since XX/XX/2021 I tried to get the bank to transfer the overpayment to my interest checking they refused to refund my overpayment and talk to me on the phone
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX I called MOHELA and requested a refund of loan payments I made during the COVID pause. XXXX days later on XX/XX/XXXX I called to confirm the timeline and was told I would receive the refund in 30 business days or less. On XX/XX/XXXX I called again to follow up, waited over two hours to speak to someone, and was told that the timeline was now 60-90 days. The representative and their supervisor both said they could see the call record showing I had been quoted 30 days but there was nothing they could do to honor that timeline. I waited more than two more hours trying speak to another supervisor but eventually the MOHELA system hung up on me. 

My loans were paid off in full during the pause - and just prior to the PSLF limited waiver announcement. I am eligible for PSLF under the waiver, and should be able to receive a refund of approximately $ XXXX paid between XXXX and XXXX following my first XXXX qualifying payments. But my COVID pause payments must be refunded first in order to return my account to active status. PSLF forms under the waiver have to be submitted by XX/XX/XXXX. The MOHELA rep who quoted me 30 days for refunding my pandemic pause payments reassured me that I had " plenty of time '' to submit PSLF forms, since it was then late XXXX. Now, more than a month later, if MOHELA does not issue my pandemic pause refund very soon I will have to submit my PSLF forms first, which I am worried will result in a denial of the PSLF refund of overpayments to which I am entitled.
Complaint sub-issue: Their investigation did not fix an error on your report

I started the dispute process on XX/XX/22 and I have not received updated and the problem have not been fix.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I submitted a CFPB complaint against Equifax due to some inaccurate inquires they are displaying on my credit report. In the response from the company they stated that they did an internal review and mailed me out a letter. They never did any review and never sent me out anything. Furthermore I have been contacting them for months asking them where they are getting this information from and how are they investigating this issue and received nothing. I want to know how are they verifying this issue because I reached out to each creditor and they could not provide me with a signed application to see if the inquires are truly mine so this proves that Equifax is providing false information onto peoples credit report. They told me to reach out to Equifax to have them delete this error and anytime i do nothing happens. Not only this, but they are not responding to my letters. I would like this inquires to be deleted off my credit file immediately. 

Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Deposits and withdrawals

I had my account with Citibank for about two years. I had slipped up where I would fall behind and had to put my account back to positive status. Today I tried using my card at several different places, and all transactions declined. I, had a loan for about {$1700.00} to be sent to my account, it was sent on Thursday and I receive the funds the Friday morning. My account before the deposit was never in a negative balance. I used it XXXX when I deposited {$3.00}. Now today, I spoke with a rep on the phone, and a supervisor, they could n't tell me a legitimate answer to why my account was blocked. All they tried to say was that I overdrew last year, irrelevant and that I have n't use the account in a month or two, also irrelevant. So they told me to visit a branch, which I ca n't because I work tomorrow and that I can not make it. They never explained a relevant reason why I needed to go to a branch to fix my account. People use the bank to trust them that everything will go right, why would you block my account without notifying me of any wrongdoings.
Complaint sub-issue: Reporting company used your report improperly

Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX XXXX  is discharged .Please remove it from the remarks and my report entirely
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Discover Financial Services continues to contact me regarding {$25000.00} of debt I owe to Discover Financial Services. I filed Chapter XXXX bankruptcy with the United States District Court of Minnesota Bankruptcy Court. The debt was completely discharged under Chapter XXXX. I dont owe Discover Financial Services any debt.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018 I took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.
Complaint sub-issue: Information belongs to someone else

fraud account never open account r had a loan
Complaint sub-issue: Public record

Equifax refuses to delete a fully paid and released tax lien from my credit report even with a recorded release and evidence from the XXXX XXXX XXXX recorder with the same information that it has been paid and releases. This is completely inconsistent with the IRS XXXX XXXX XXXX, other reporting agency standards and they are not treating all tax liens consistently amongst all customers. Some people have them deleted and some do n't. All paid and released tax liens must be deleted from credit reports! I have XXXX dispute cases and have contacted them multiple times by letter and telephone and they continue to show this paid and released tax lien on my credit report, although they claim they are reflecting it correctly because it says it has been paid and released, yet they refuse to delete it entirely from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Account XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt is not yours

THE CHARGE OF {$530.00} DATED XX/XX/XXXX DOES NOT BELONG TO ME. I HAVE CALLED THE CREDITOR NUMEROUS TIMES IN REMOVING THIS AND I HAVE BEEN TOLD THAT THEY HAVE PROCESSED THE REQUEST TO HAVE IT REMOVED AND STILL HAVE NOT! 
CLEARLY THE CREDITOR HAS APPLIED THIS DEBT FRAUDULENTLY ONTO MY CREDIT AND KEEPS INDICATING THAT IT WILL BE REMOVED. I HAVE EXHAUSTED MY OPTIONS IN GETTING THIS RESOLVED WITH THE CREDITOR. MY CALL LOG IS AS FOLLOWS- XX/XX/XXXX CALLED TO INFORM CREDITOR THE DEBT DOES NOT BELONG TO ME XX/XX/XXXX CALLED CREDITOR, WAS TOLD IT WILL BE REMOVED XX/XX/XXXX CALLED CREDITOR. WAS TOLD IT WILL BE REMOVED XX/XX/XXXX FILED A DISPUTE WITH EQUIFAX TO REMOVED XX/XX/XXXX CALLED EQUIFAX AND WAS TOLD TO REACH OUT TO CREDITOR, WHICH I DID AND ONCE AGAIN WAS TOLD DEBT WILL BE REMOVED IN 30 DAYS. 
XX/XX/XXXX FILED AGAIN A ONLINE DISPUTE WITH EQUIFAX.
Complaint sub-issue: Investigation took more than 30 days

I sent out my dispute letter certified on XX/XX/XXXX and they received it on XX/XX/XXXX they had to sign to get the letter. It has been XXXX  days no response it is a violation of my rights. 
They also violated the law because according to 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 I did not give anybody written instructions.
Complaint sub-issue: Old information reappears or never goes away

XXXX is the company consolidating all student loans on my CREDIT REPORT. To date XXXX is no longer the company consolidating my student loan debt. I have never owed any payments neither been late on paying as my account has always been in a differed payment status. XXXX reports a late payment on my account which is not accurate whatsoever. In addition, XXXX now claims to have no administration over my student loan accounts. They have transferred my student loan account to another company. XXXX has done so without having provided any proper/legal notices of this transferred/changed account status. XXXX is continuing to report on my credit as the administrator managing my accounts which violates the FCRA rules of truth and accuracy in reporting.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/22 XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2015 XXXX {$10000.00} Collection
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX I closed my account with US Bank at the XXXX XXXX branch in XXXX, Ohio. There were four pending transactions which I stopped payment on. The bank was to return the money that would have been paid on, but to date they have not returned the money which totalled {$540.00}. Since then my employer forwarded my direct deposit to this closed account on XX/XX/XXXX. They failed to inform my employer that the account had been closed and now my employer is trying to find where the money is at. It was not returned to their bank so they have put a tracer on it trying to find where the check got off to.