Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't agree with the fees charged

I took out a school loan for {$9000.00} back in XX/XX/1994.I didn't pay it back on time.They then garnished my wages. I went through a good faith program were I paid x amount of money for a year and they lifted the garnishment I been paying faithfully for almost 20 years and now I owe {$33000.00}. I pay XXXX per month now. at the end of this year I will owe more then I owed at the beginning of this year .Something is so wrong with this picture please help me.
Complaint sub-issue: Information belongs to someone else

I'M HAVING A VERY HARD TIME WITH THE CREDIT BUREAUS HELPING ME CORRECT ERRORS REPORTING ON MY CREDIT REPORT.
Complaint sub-issue: Problem with statement of dispute

On XXXX/XXXX/XXXX I received a XXXX for year XXXX in my name from EquiFax. On XXXX/XXXX/XXXX I sent letter to EqiuFax which they ignored. XXXX/XXXX/XXXX registered letter to EquiFax requesting information as who was paid funds stated on XXXX as I did not receive them. Also this info should have been available to me prior to XXXX/XXXX/XXXX for income tax filing. EquiFax responded with their dispute form with " Result of our Reinvestigation '', " Please be specific with your concerns by using the account names, numbers, and the nature of the dispute. '' This is a cope out and delaying tactic by EquiFax as I enclosed a copy of their XXXX asking for a copy of who the disbursement was made to and any information where the funds were deposited. 

On the EquiFax web page the only phone numbers that I could find are those where you can not contact a live person and only speak to a robot. EquiFax will do everything to frustrate you in hopes you will give up. In their communications they never cross reference anything and do not respond to direct questions. I searched XXXX and found a number where I could speak to someone at EquiFax. 

I called XXXX on XXXX/XXXX/XXXX and spoke to XXXX who was very helpful and got me over to XXXX XXXX XXXX unfriendly ) who is in their Dispute division and he stated I needed to address this to their legal and I would have to do this thru a lawyer. He also stated that I sent my letters to the wrong dept. and I told him I sent it to the address on the XXXX form. 

I have had a dispute with EquiFax over the period from XXXX thru XXXX concerning a negative in my Credit Report. This was finally settled in a court case and there are no negatives in my report. 

I find EquiFax a horrible company which is beholden to the credit issuers and not the consumer who is an obstacle to their bottom line. All I want is the information related to this XXXX form.
Complaint sub-issue: Reporting company used your report improperly

I AM WRITTING TO YOU BECAUSE I HAVE RECENTLY REVIEWED MY CREDIT PROFILE AND FOUND THAT I HAVE MULITIPLE ERRORS BEING REPORTED, SPECIFFICALY SOME UNAUTHORIZED HARD INQURIES. I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW, OWN, OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY NUMBER/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF FEDERAL LAW AND THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. THE ACCOUNTS LISTED HAVE BE OPEN WITHOUT THE CONSENT OF THE CONSUMER. I HAVE NOT RECEIVED ANY BENEFITS FROM THE UNAUTHORIZED USE OF THE ACCOUNTS LISTED AND I DEMAND THAT ALL PROCEEDS GENERATED IN THE NAME OF THE CONSUMER BE RETURNED IMMEDIATELY AND FOR THE CONSUMERS CREDIT PROFILE BE RESTORED TO XXXX AS IT PREVIOUSLY WAS. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURSUANT TO 15 U.S.C. 1681 ( a ) ( 4 ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy- THIS IS A VIOLATION OF PRIVACY AND I DEMAND THESE UNAUTHORIZED ACCOUNTS BE REMOVED. 

SINCE THERE IS NO BUSINESS AGREEMENT OR CONTRACT BETWEEN ME AND THE CREDITORS LISTED ABOVE AND THEY DID NOT HAVE MY AUTHORIZATION, VERBAL OR WRITTEN, I DEMAND THAT YOU DELETE THESE UNAUTHORIZED USER AND INQUIRIES FROM MY CREDIT PROFILE IMMEDIATELY AS THERE IS NO EVIDENCE OF ANY AUTHORIZATION TO DO BUSINESS OF ANY KIND. 

PURSUANT TO 18 U.S.C. 1028 ( A ) ( 7 ) - knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. 

THESE ACTIONS ARE CRIMINAL AND UNLAWFUL. THE COMPANIES LISTED ARE REPORTED ON EQUIFAX, XXXX, AND XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Complaint sub-issue: Reporting company used your report improperly

Equifax continues to have two separate credit reports under my information. It is extremely frustrating and I have attempted to have this resolved four times in the last eight months. This needs to be resolved by Equifax. Half of my accounts show up on one report, the others show up on another. When I get my report from Equifax, Im giving a report, that shows some of my information. When a creditor pulls my credit, they get the other one. Why cant this problem just be resolved?
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/17 around XXXX XXXX a Co Worker contacted me that ERC had contacted him about a debt they say I owe. I immediately contacted ERC and spoke to an associate named XXXX. I expressed to him if he had a debt with me send a written letter to my address. The guy he contacted was not even in management and was at home for the holiday break.
Complaint sub-issue: Problem with paying off the loan

They call 5 times plus a day after they miss managed the gap insurance and now have decided I owe them a XXXX dollars even after my insurance paid the car off
Complaint sub-issue: Investigation took more than 30 days

I am looking to purchase a house this year. I am a married father of XXXX. I noticed an inaccuracy on my account. I reached out to the courthouse and was asked if it was possible that the mistake could have happened on their end. I was alerted that they do not report to bureaus and that a person 's social was never shared. I then attempted to reach the bureau by phone, but to no avail. XX/XX/2021, I proceeded to mail a letter demanding to see verifiable proof as stated by the FCRA. I included the correspondence from the courthouse. They were shipped certified mail. I waited 30 days and sent a follow up. Almost 60 days later, I have yet to hear from them. I feel like my rights are being violated. I just want to be able to provide a decent home for my family and their errors are making it difficult. They are picking on the little guy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is my 3rd time I reached out to XXXX  about unauthorized inquiries on my report and they have refused to do so. There are 23 account and promotional inquiries that are on my report. If they can not provide me with the original application along with my original written ink signature. Immediately remove them from my report
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate an unknown information on my credit report. To this day over 45 days later I still have not heard anything about any investigation. I feel im being taken advantage of an being ignored about my dispute. Section 611 ( a ) it clearly states that any failure to investigate these items within 30 days gives grounds for immediate removal for my credit report. It has been over 45 days. They need to be removed promptly. I demand these items be deleted immediately or I will file litigation due to the stress you caused me also my information may have be affected by the equifaxs data breach.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Complaint sub-issue: Reporting company used your report improperly

Mortgage lender XXXX/XXXX  XXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.
Complaint sub-issue: Can't temporarily delay making payments

Navient is my student loan provider. I also owe from a student loan from a  XXXX  college, the loan borrower is Nelnet. The Nelnet lo an is from  XXXX , this is what I owed then {$3200.00}. I was paying on it for a long time then I started going back to school in  XXXX  to get a  XXXX   XXXX  so I deferred. I still owe {$4000.0 0} on the Nelnet loan, I asked Nelent to  forgive my loan and they denied also. Since I have had  XXXX , they have emailed me about deferring every time I get behind so I defer. What was a  XXXX  loan is now close t o  XXXX . This is because of deferring payments and interest. Today I am behind three months. The beginning of the year I asked for a  XXXX  forbearance for the school year and was denied. Today I looked into def  erring and if I defer again the balance of my loan will be close t  o 70,000. How am I ever to get this paid in my lifetime when the interest is outrageous?
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Additionally, this was a business account from the looks of it and this company has found my personal social and put it on my credit report which is a violation Pursuant to 15 U.S.C. XXXX. This is a fraudulent account.
Complaint sub-issue: Was not notified of investigation status or results

Since XX/XX/XXXX, Equifax has deleted or removed my entire credit history and my credit file from being accessed or viewed. Today, XX/XX/XXXX, I replied to preapproved offers based on my XXXX credit score being XXXX and being a member of XXXX XXXX XXXX XXXX I was preapproved for two confirmed credit offers. When I used my preapproval code to submit the application, it was rejected due to the number one reason being insufficient credit history. This is the issue that I am having with equifax. I am XXXX XXXX XXXX with a credit history that goes back to XXXX. My credit accounts from the XXXX are still open and are currently in good standing in my entire history and mortgage, and auto loans have disappeared. This is left my credit score as a zero or nonexistent and creditors and banks are unable to access my credit file thats making me in eligible for receiving credit. 

I just spoke with the manager at XXXX XXXX XXXX and they informed me that within their software confines when they attempt to pull my Equifax report, it shows is nonexistent and it is blank, only showing my first and last name. XXXX uses a Equifax to qualify applicants, but Equifax has deleted my entire credit file.
Complaint sub-issue: Received bad information about your loan

In XXXX of XXXX, I believed I was in a forbearance/deferment of my student loan with a total of {$5600.00} through Firstmark Services as requested, as I had newly started a XXXX  program. Unfortunately, in XXXX of XXXX, in checking my credit report, I realized I had multiple payments that were late ( dating XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX ) and that I was in fact not in forbearance as I requested in XXXX of XXXX. This resulted in late fees. In XX/XX/XXXX, I received a phone call that I had missed payments and needed to make my account current. I made a payment on XX/XX/XXXX for {$400.00} and noted to the representative that I believed I was in a forbearance due to my enrollment status in my XXXX  program, but didnt want a negative impact on my credit so I would make a payment, but I asked to speak to someone about why my forbearance was not in effect. I was told that someone would contact me, but did not hear back in any forms of communication. In XXXX of XXXX, I double-checked on my account, and realized I was again not in forbearance as I had requested. I made a payment on XX/XX/XXXX as to not receive negative remarks on my credit report. Again, I made a call to Firstmark Services ( date unknown ) to check in to see why my account status was not in deferment/forbearance. I was told it would be taken care of, as they saw my request in XXXX of XXXX and were confused themselves, given my enrollment status in my XXXX program. 

I did not receive a call back from Firstmark, and went on to believe that my payments were deferred, given my last conversation with the representative in XXXX. 

After checking my credit report in XXXX, I saw the derogatory remarks. Immediately, I contacted Firstmark services and inquired on this. To not impact my credit any further, I made a payment on XX/XX/XXXX for the total of {$320.00} to make my account current. The conversation at that point is detailed below : Firstmark claims to have contacted me via phone and mail regarding late payments in XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I did not receive any of the communication ( phone, email or mail ) that they claimed to make. In XXXX, I requested to reverse the missed late payments and remove derogatory marks from my credit reports in all of XXXX, as I was told misleading information about the status of my account. Repeatedly, my request was denied. I continued connecting with Firstmark three different times with requests to remove the derogatory marks, and they persisted that I was to blame, that they had done their part to contact me. 

I have since paid the loan in full so I no longer have to deal with Firstmark Services. The full payoff was made on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I spoke with XXXX XXXX and they told me twice they would remove this off of my credit report, and they have not. I made sure they were not talking about just not reporting it on my credit report I asked them to delete the whole trade line and I spoke to Supervisor 2 times and both times i was promised they'd remove it! 

please get this fixed for me as its hindering me from purchasing my home.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX/XXXX/2022, I wrote Equifax and told them my father, and I have the same name and attached a copy of my ID and social security card to support the request that my name ONLY show on the report as XXXX XXXX XXXX. Here is the report sent to me where they asked me for the information already provided. I have very little confidence in their taking my concerns seriously! If my dad and I have the same name, what steps did they take to ensure that the inquiries were mine and not his? My guess is about as much effort as they put into seeing that I had already included the exact information they asked for and used not having it as justification to keep my report inaccurate and mix up my data with someone else 's.
Complaint sub-issue: Received bad information about my loan

I consolidated my private loans from XXXX to XXXX. Upon XXXX disbursing a check and a letter for any amount in excess of the outstanding loan balance to the loan holder, XXXX gave a refund in excess of the full loan amount. For the exact amount of the refund checks sent to me, the loan holder, they serviced the loans to a XXXX loan-servicing company. This was done unbeknownst to me. I received refund checks from XXXX along with a new loan notice from a company I did not consolidate with, AES. In brief, XXXX deceptively disbursed the loan in full to XXXX, gave me a " refund '' that was the exact amount as the amount sent to a third party service provider in order to collect monthly interest.
Complaint sub-issue: Account information incorrect

Information reporting on my credit profile that i am not aware of, and it's report without my authorization which is a violation of privacy
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : 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 an account without my written instructions. 

On XX/XX/2022 I requested a copy of my written permission that I gave to each credit agency and they sent me a response stating that I have previously, disputed these items. That is NOT what I requested. According to the law above, each credit agency has violated my consumer rights by not being able to provide a copy of my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Complaint sub-issue: Information belongs to someone else

I have incorrect information on my credit file as a result of identity theft:|XXXX||COLLECTIONS- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX|EQUIFAX|INQUIRIES- XXXX XXXX - XX/XX/XXXX|COLLECTIONS- XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX||XXXX|COLLECTIONS- XXXX XXXX XXXX XXXX - XXXX - $XXXX - XX/XX/XXXX- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX|- XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - $XXXX
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, CREDIT PLUS add a hard inquiry on my credit reports perXXXX XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Banking errors

There is a credit for {$140.00} that US Bank acknowledges but refuses to give me credit for-it is even in their responses XX/XX/XXXX to CFPB.
Complaint sub-issue: Problem with customer service

Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX  Subject : Inoperative Alarm w/ over 20 messages from ( XXXX ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You Are Dissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms. XXXX XXXX XXXX ( XXXX ). My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. On XX/XX/XXXX the front door had set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences
Complaint sub-issue: Information belongs to someone else

I'm disputing the following accounts, 1 ) XXXX XXXX {$710.00}, 2 )  XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ok, this issue that I have is regarding a credit card company that I have. they reported that I missed a payment, but in reality I did n't. I had this account on auto pay and the transaction was made but then reversed or sent back. because of this, they reported a missed payment to the credit burial and then decided to give me a call to inform me about the issue and charged me a late fee. Had they informed me what the payment was sent back I would of resolved the issue. Now my credit score dropped significantly as a result. I 've contacted the company and they ask that I file a dispute with the credit burial by mail. 

the company is elan financial svcs my name is XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are some accounts on my report I do not recognize