Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX & Account # XXXX, XXXX XXXX XXXX Account # 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXX XXXX date : XX/XX/XXXX bank credit cards i have n't applied for XXXX XXXX XXXXXXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that does n't belong to me.
Complaint sub-issue: Received bad information about your loan

XXXX  was closed and I am not satisfied with the company response.   My original complaint : YOUR COMPLAINT After my  XXXX  in   XXXX   XXXX  , I decided to go into a public service position that I am still working in. I was aware of the  Public Loan Forg  iveness pr ogram and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in   XXXX   XXXX  . I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In   XXXX   XXXX  , I decided to submit my application to see where I stood. I received a response back in   XXXX   XXXX   stating that none of payments qualified. I contacted th e FedLoan  Services at  XXXX    XXXX   XXXX   to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a public service position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in  2009  when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham.  XXXX   XXXX  :  XXXX  University,  XXXX   XXXX , MO.     Company response : Uploaded PDF. I could not access the pdf to review the full response. I will respond to the comments listed. " FedLoan Servicing advised the borrower of the eligibility requirements for the PSLF program. FedLoan Servicing advised that the borrower 's loans were placed on  a 25-year Standard Level repayment plan, which was not eligible for the PSLF program. FedLoan Servicing encouraged the borrower to apply for Income-Driven Repayment ( IDR ), which is eligible for the PSLF program. " I was not advised that going on a repayment plan   of 25 years would make me ineligible for the PSLF program. To the contrary, I was told that if I made regular payments under the 25 year repayment plan that I would be eligible for the PSLF. I still do not understand how you can make 10 years of payments under a standard plan and still have a balance that would be forgiven.
Complaint sub-issue: Their investigation did not fix an error on your report

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Complaint sub-issue: Company closed your account

{$300.00} XX/XX/15 closed the account, I wanted to close the account but the company did not want to
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to both XXXX XXXX XXXX XXXX and EQUIFAX about the fraudulent account opened XX/XX/XXXX Account number XXXX on my Equifax credit report. This account was FRAUDULENTLY OPENED AND NEEDS TO BE BLOCKED AND REMOVED! 

I have sent Equifax and the furnisher, XXXX XXXX XXXX XXXX a notarized Police report, Federal Trade Comission Identity Theft Affadavit and supporting Identitfcation documents along with a formal request for deletion of this account and a fraudulent credit inquiry ( syncb/paypal XX/XX/XXXX ). 

I DEMAND FOR THIS FRAUDULENT INFORMATION BE BLOCKED AND REMOVED FROM MY CREDIT REPORT BECAUSE IT IS HINDERING MY FINANCES AND LIFE! I AM A VICTIM OF IDENTITY THEFT AND AND REQUESTING ASSISTANCE IN FIXING THIS PROBLEM!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX/XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I reported all 3 major credit bureaus XXXX, Equifax, and XXXX that the collection from XXXX in reference to XXXX XXXX has serval inaccuracies. XXXX is reporting a date of last activity XX/XX/XXXX, XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX all different dates across the 3 bureaus. Also XXXX is reporting an account status as open and this is a collection account it can not have an open status. XXXX and Equifax are reporting on account status as closed and again different and inaccurate across the bureaus. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying a high interest due to these inaccuracies. 
XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX High Balance : {$400.00} {$400.00} {$400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$400.00} {$400.00} {$400.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Collection Services Other Collection Agencies Other Collection Agencies Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer , meets FCRArequirements Customer disputedaccount - reported bysubscriber. 
Consumer disputes thisaccount information Affected by naturaldisaster Subject has not satisfieddebt. 
Original Creditor : XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type :
Complaint sub-issue: Investigation took more than 30 days

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Good afternoon, I'm contacting you in reference to my Nelnet, Nelnet has  been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by Nelnet My credit rating score was above 730. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as Nelnet is doing illegal collecting and reporting practices.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Complaint sub-issue: Old information reappears or never goes away

I was a customer of XXXX from XX/XX/XXXX- XX/XX/XXXX called advised I would be getting another carrier asked my name and number be removed from the bill my contract expired. My daughter remained a XXXX subscriber they removed my phone number from the bill but left the account in my name when I called they informed me the account had been changed over. Although I did not receive any more bills they failed to put the account in her name. I have proof that I was a subscriber with XXXX in XX/XX/XXXX same phone number and now XXXX for over a year the same phone number. I provided a notarized statement as proof the bill is not mine, called the company ( XXXX ) asked them to send me a copy of the contract because I have not signed a contract with them in years no phone contract last forever. XXXX refused to correct this error sent me a form to complete wanting me to charge my daughter with fraud when it was their error for not changing the bill and address into her name, they sent bills to an old address they had on file. At any rate it has runied my credit my mortgage loan through the bank was disapproved for the recent collection on my credit report, I retired in XX/XX/XXXX no bills have come to me. I have made numerous attempts to resolve this issue with them they simply remove it from one credit report to another with a different collection agency. I want this removed from my credit record entirely because my husband has XXXX I need my credit to remain in tact to but a home based on my income it can not happen with this debt which does not belong to me binding every step I try to take. The collection is now with IC Systems, and was being carried by a company called XXXX. The collection agencies should be held accountable for ruining your credit without performing an investigation. I am asking them to produce a contract bearing my signature after the 2 year contract period as proof. The people at XXXX are rude I have names of those I have spoken to supposedly in their corporate office. Please help resolve this complaint I need clsoure to move on and clear my name. XXXX XXXX XXXX
Complaint sub-issue: Sued you without properly notifying you of lawsuit

AAA COLLECTIONS are extremely rude tells me I have to pay more than I can afford. The first lady I spoke to I asked for a copy of statement and what was owed she said because I live in GA now they can't send me a statement because they don't have attorneys in this state. The second person I spoke with agreed to send me a statement but it won't show what I have paid he said look it up on my bank statements. I told them I could only pay XXXX every two weeks they said that is not enough and I would have to call every 3 months to renegotiate.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/21 I wrote three letters, one to each of the reporting agencies, XXXX, Equifax, and XXXX. In each of the letters I listed inaccurate addresses, accounts and names that did not belong top me or that were not being reported accurately. By law we all know that any accounts reported on my consumer report must be reported accurately and fairly or else it is subjected to being deleted from my consumer report. Attached are the letters that I mailed to each reporting agency. I also sent out re-investigation letters XX/XX/21 in attempt for the agencies to actually do their job and do an actual investigation and correction of the items that I asked them to verify. I expect these items to be deleted and corrected on my report, I've spent much time in going over my report and recognizing these mistakes on your part, the least that your company can do is correct them. Ive attached the letters sent on XX/XX/21 and pictures and the actual reinvestigation letters sent on XX/XX/21.
Complaint sub-issue: Problem with rewards from credit card

Multiple problems but the 1st is with the sign up rewards bonus. I was supposed to get {$200.00} sign up reward after spending {$1000.00} in the 1st 3 months and that never happened. I'm also supposed to get 1.5 % rewards on each purchase but that ceased without notifying me. 

There is a separate problem with payment processing. It took them 45 days to process a payment one time. Now, they have a payment " on hold '' and are not allowing me to use the card. My current balance is- {$390.00} ( because of the delay in payment processing ) so they actually owe me {$390.00}. 

This is the Sallie Mae XXXX Credit Card. My limit on the card is {$7000.00}. Calling their customer service is not effective.
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE HELP ME!!! 

Equifax actions has made it impossible for me to find a place to rent which has caused me to beome homeless. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am permanently XXXX veteran and need a place to live. 




XXXX XXXX account balances does not match on report. XXXX {$12000.00} ; EQ XXXX ; XXXX XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete XXXX   {$33000.00} ; EQ XXXX ; XXXX XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. error. 
please delete
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Wow! Just wow! You guys are making me sick with all this non sense youre doing on my credit file. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers one by one and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I dont believe that you there at Equifax have no time to tackle or review my complaints and Im sure you have seen my FTC report Ive sent. Dont you know you have instigated so much stress since youre still reporting this detrimental record on my credit file? You are damaging my credit file for this! I am a victim of identity theft and Equifax is neglecting my complaints by not complying with FCRA section 605B. Please DELETE these items for theyre not mine! I DONT OWN THEM! 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$430.00}
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX XXXX XXXX for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!
Complaint sub-issue: Problem with cash advances

THE HOME DEPOT APPROVED ME FOR A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) AND ON THE APPROVAL LETTER ITS STATING THAT GIFT CARDS CAN BE PURCHASED WHEN I RECEIVED MY PERMANENT CARD ( XXXX ) IN THE MAIL. THE HOME DEPOT IS TELLING ME OVER AND OVER VIA PHONE CONVERSATION THAT MY ACCOUNT CANT BE USED FOR GIFT CARDS. THIS IS A VIOLATION OF MY CONSUMER RIGHTS WITH ARIZONA LAW AND FALSE ADVERTISEMENT ON THE COMPANY BEHALF.
Complaint sub-issue: Problem getting report or credit score

Hello, I was a victim of identity theft. I obtained a legislative security freeze. 
I obtained a XXXX from Equifax. 
With this PIN, I 'm supposed to be able to manage my security freeze and lift the freeze on demand. 
However, Equifax 's website does not allow me to manage my security freeze online. Even after I enter the proper, DOB, SSN, address, etc., I am never able to manage the security freeze online. 
I 'm very angry and frustrated. 
Equifax 's telephone support is non-existent. 
I did write to Equifax. 
Instead of addressing the issue, Equifax permanently unfroze the file without my permission. 
So, basically, Equifax wo n't allow me to manage my security freeze online, despite the fact that I have a valid ID theft PIN.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I WAS NOT MADE AWARE THAT I CAN OPT OUT
Complaint sub-issue: Reporting company used your report improperly

I have new information concerning Equifax 's continued willful non-compliance to perform a reasonable investigation under the FCRA and to protect my personal information as required under the Gramm Leach Bliley Act. 
Fact, I have submitted two request that Equifax cease reporting a bankruptcy that I did not give them authorization to share or furnish. Fact, Equifax responded with a form letter response which the CFPB explicitly dislikes. Fact, the US Bankruptcy court of NJ does not furnish information to Equifax or any other reporting agency. Fact, Equifax has not performed a reasonable investigation into whether or not they have my written authorization to furnish any public record information onto my consumer report. Fact, it is not known how Equifax is obtaining this information. Fact, the furnishing of the unauthorized data caused me to be denied a {$250000.00} HELOC. 
I have questions. 1. Where is Equifax getting the information regarding the bankruptcy? 2. Is Equifax paying for the public record information it includes on my consumer report? 3. Is a company selling my information to Equifax for profit or revenue? 4. Why hasn't Equifax fulfilled it's duty as a consumer reporting agency to ensure there is permissible purpose for the furnishing of the public record on my consumer report. 5. Is Equifax profiting from my public record information?
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To  Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX/XXXX