Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I had an account with XXXX XXXX XXXX XXXX. The vendor, XXXX XXXX, in XXXX, did not complete the job I paid for and cause additional damage to the transmission. I had to have the job re-done at XXXX 's XXXX in XXXX, and the owner agreed to supply me with a letter stating the damage was caused by XXXX 's mechanic. I submitted the documentation and asked for the charges to be reversed as per my contract. XXXX refused, so I disputed the charges. On XX/XX/2018 I settled with XXXX through XXXX, XXXX 's collection agency, who agreed to list the account as " paid in full, '' without any derogatory comments, including the account having been settled or any monetary amounts having been " written off. '' At the time, I needed to have the account cleared per the requirements of my mortgage company who was financing my new home. 

I have a voice recording of the conversation with the agent from XXXX who agreed to these terms, and a letter from the collection agency, XXXX, stating these are the terms. 

XXXX has assured me that all the credit bureaus were notified of this update, but all three credit major credit bureaus ( XXXX, Equifax, and XXXX ) all have inaccuracies still listed.
Complaint sub-issue: Account status incorrect

I disputed a late payment with XXXX XXXX XXXX for the month of XX/XX/XXXX and it was updated incorrectly. 
All payments since XX/XX/XXXX have been made on time in the amount of {$700.00}. Payments were processed in time yet account showing delinquent for 1 month which is impacting my credit
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have a serious injury and while getting an XXXX  XXXX, my XXXX  was XXXX  causing me to have a XXXX. I had lost my job due to performance issues due to my injuries. I had managed to keep everything partially together until I had that XXXX. I called citi to inform them of this issue before I fell behind and they told me there was nothing they could do for me. I fell behind and they started harassing me with phone calls and no one was ever on the other line to answer. I managed to get some funds together and make a payment and called to correct these issues moving forward. I found out they had charged almost {$400.00} in fees for my {$500.00} initial balance before I feel behind. The fees had put me over my credit limit causing me to accrue more fees. 

When I got ahold of the agent and tried to address these issues. She quickly waived 1 fee without my permission and asserted that she could not do anything to help me. Citi doesn't have programs to help people through hardships, but she could get me to her manager who she assured me also could not do anything. After waiting on hold for at least 10 minutes. The phone finally rings through and I hear a click and am disconnected. Due to my injuries it has been difficult to breathe or talk, so I excert myself greatly during these interactions. 

I have recieved at least 4-7 calls a day everyday, even on Sundays since I made my last payment and tried to correct this while dealing with XXXX XXXX  problems. 

.
Complaint sub-issue: Their investigation did not fix an error on your report

these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER XXXX XXXXXXXX XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I was contacted by AFNI, Inc. regarding a debt allegedly owed to XXXX. This debt was previously handled by XXXX XXXX XXXX, and was discharged in a Chapter XXXX bankruptcy on XX/XX/2019. 
Apparently now, XXXX has contacted AFNI or XXXX XXXX Solutions has sold the debt to AFNI and they are now trying to collect on the debt that was clearly discharged in bankruptcy.
Complaint sub-issue: Debt was paid

Since XXXX XXXX XXXX XXXX ( Under Lender Live XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX ) assumed my mortgage debt from XXXX In XXXX 2015, I have experienced nothing but harassing phone calls and now false reports on my credit report. Each month through multiple harassing calls I have informed and provided documentation that my mortgage has been paid for the month and that the lender has cashed the check. Each month is a different excuse, such as : they misread the account on the check or when I sent it through their web site, I was told it was the wrong account. Now they are sending letters not to my mailing address, but to the house ( which is rental property ). Also, they have began placing late payment information on my credit report. I have documentation of all cancelled checks, verification of payments submitted, and email correspondence where I have identified the issue each month and provided the information for them to correct. I have never been late on a mortgage payment or had any issues until this company assumed the mortgage. I would like this matter corrected and my credit report adjusted immediately. Your assistance is appreciated.
Complaint sub-issue: Need information about your loan balance or loan terms

I am filing because I believe that I am very close to or have reached my 120 qualifying payments to get public loan forgiveness. I submitted my employment certification form to Fedloan Servicing at the end of XX/XX/XXXX but have still not seen them update my count with this form as well as applying what benefits I should be getting because of the PSLF waiver the Dept. of Education implemented in early XXXX. I am not 100 % sure if this is more of a delay with Fedloan or more of a delay with Dept. of Education, but I '' M desperate to see that this will be updated especially because this waiver is supposedly only in place until XXXX of XXXX. Any help on getting this addressed or moving more quickly would be greatly appreciated.
Complaint sub-issue: Didn't receive services that were advertised

After the Equifax cyber security data breach was announced, I went to the Equifax Security 2017 website to enroll in free credit monitoring as my personal information may have been compromised. I received an email today from TrustedID XXXX today requesting that I verify my identity for the credit monitoring. When I entered the data on the website, the website said that there was an error and directed me to call a toll free number, which was not a working number.
I then called Equifax directly, and my call was disconnected. I am now concerned that the email from TrustedID XXXX was not legitimate but I have no way to verify this with Equifax. I was connected to a Equifax call center employee who told me that the TrustedID website was unavailable. This is ridiculous. The free credit monitoring that Equifax promised consumers to provide directs consumers to a website that is UNAVAILABLE to complete enrollment and the phone number on the website to call is n't a working phone number?
Complaint sub-issue: Public record

I have attached documents and a written explanation to have negative information removed from my credit record
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 3 months and I still haven't received any results in the mail and these unverified account still show on my credit report.
Complaint sub-issue: Account status

I have been a consumer of XXXX XXXX credit card for years. I called Innovis Consumer as well as filed a dispute with them regarding falsely reporting that my XXXX XXXX account is closed/charged off. They claimed, as of XX/XX/2017, that they reinvestigated it and status did not change. I called XXXX XXXX and complained about them reporting my credit card as charged off. XXXX XXXX assured me that they did NOT report that my card is closed or charged off nor is it deliquent. XXXX XXXX also sent a letter stating the same thing-account IS and ALWAYS has been, in good standing. Innovis did not and can not provide me with the name, phone number and address of the PERSON, not computer, that told them the account is charged off as of XX/XX/2017 for {$690.00}. My card continues to be active and in good standing. Innovis 's failure to accurately report to all major credit bureaus has caused XXXX, stress and financial hardship. Denied credit increases and cell phone purchase due to the recent error it reported. Calling and sending letters to Innovis has fell on deaf ears. XXXX XXXX continues to advise that the credit reports are wrong ... but I am stuck in the middle. Innovis Consumer has caused harm to me financially, with their failure to really pick up the phone and verify information. Clearly there is a computer glitch that no one has the time to correct, at my expense!
Complaint sub-issue: Didn't receive notice of right to dispute

My company, XXXX XXXX XXXXs, XXXX received a business loan from LoanMe, LLC on XX/XX/XXXX in the amount of {$14000.00} of which {$12000.00} was loan amount and {$1400.00} was origination fee. LoanMe, LLC charged the XXXX XXXX XXXX, XXXX 94 % interest rate for this business loan. I made the following scheduled payments totaling {$20000.00} until my company fell into hardship with no revenue coming in. 

XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} On XX/XX/XXXX my loan was sold to XXXX XXXX, XXXX who then hired XXXX XXXX XXXX and law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX to collect on this debt. I attempted to negotiate a settlement of {$3000.00} for this debt but they never responded to this offer. I also made the following payments totaling {$1800.00} to the law firm in attempt to settle this debt : XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$200.00} I will be at XXXX District court on XX/XX/XXXX contesting a judgement against my company, XXXX XXXX XXXX, XXXX and my personal credit. So any advise you can provide would be greatly appreciated.
Complaint sub-issue: Information belongs to someone else

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Opened XX/XX/2014 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Problem getting your free annual credit report

I have tried multiple times online and over the phone to request my free credit report because my SSN has been stolen and I want to check if there has been any unusual activity on my account. However, I have just recently ( within the past 3 weeks ) moved also do not have enough credit history to receive an online report ( I just graduated from college and have not made any large purchases ). I have also tried several times online and over the phone to place a fraud alert on my account, and have again been denied multiple times.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$270.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$350.00} XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX {$40000.00}
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act Convergent 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: Debt is not yours

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Complaint sub-issue: Frequent or repeated calls

My complaint is againt XXXX. They were supposed to remove negative credit information off of my report although I faxed proof showing I paid the debt. I also faxed my social security card and drivers license like they told me too, but they said they never received it. They said it took 5 days for them to receive the items but done some reason my docs never reached them although I received confirmation from my fax machine. 

In addition, they said there is no way to contact anyone on the " back room '' to see if my fax was received because the manager doesn't have anyone to contact. He also told me he could not give me his supervisors information. 

Lastly, they lied and told me they could remove the negative charge in 7 days after they receive my documentation. Now they are telling me its 30 days. 

1 ) XXXX  misplaced my private identification documents 2 ) XXXX  lied about expediting the removal of negative credit information 3 ) XXXX  gave me the run around when I tried to get this taken care of
Complaint sub-issue: Reporting company used your report improperly

Accounts on my credit profile that wasn't open and used by me. My credit identity was stolen and used. I need these accounts deleted from my credit profile.
Complaint sub-issue: Account status incorrect

I am a XXXX  XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX  insurance department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX  and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking XXXX  staff how the loan would be reported if we were approved for a loss mitigation plan and were told that XXXX  would report that we were in a payment plan due to a disaster, but once the plan was in place XXXX  has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage. 

Ive contacted XXXX  multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.
Complaint sub-issue: Debt resulted from identity theft

All the sudden appear this Medical Debt Collection in my Credit Report, per my investigations they were billing to XXXX XXXXit sounds familiar to me, until I discover that I am under XXXX XXXX in the Credit Report with the XXXX Credit Bureaus XXXX, XXXX, XXXX XXXX. 

Coachella Valley Collections pick up XXXX XXXX which is not my legal name, I am XXXX XXXX under Social Security, XXXX and my Private Health Insurance, my US Passport. Therefore there is a question mark here why are they billing for XXXX applied to me XX/XX/XXXX I have been home, also that I saw a Doctor that even do n't know who he is. I got my team of Doctors treating me. 

I am in this battle since XX/XX/XXXX, XXXX IS THE ONLY ONE WHO HAS NOT REMOVED THIS MEDICAL COLLECTION XXXX XXXX I BELIEVE. 

I SENT A LETTER ON XX/XX/XXXX AFTER I HAD SENT 3 MORE, TO ASK THEM WHAT IS MY SOCIAL SECURITY NUMBERIF I OWE THIS MEDICAL BILL, WHY THEY DID NOT BILL MY INSURANCE OR XXXX, I HAVE HAD MEDICAL INSURANCE ALL MY LIFE, WHY IF I VISIT ANY OF THEIR OFFICES WHY THEY DID NOT CHARGE THE CO-PAYMENT ALL THIS QUESTIONS YOU WILL SEE THAT I AM ASKING THEM. 

HAVE THEY ANSWER ME, NEVER NONE OF LETTERS HAVE BEEN ANSWERED IT, WHAT DOES THIS TELL ME? BOGUSI NEED YOUR HELP, THIS MEDICAL COLLECTION HAS TO BE REMOVED AS SOON AS POSSIBLE, I AM BEING EVICTED DUE THAT THE BUILDING WHERE I LIVED WILL BE DEMOLISHED IT, FOR A NEW CONSTRUCTION AND WE THE TENANTS MUST FIND A PLACE TO LIVE. 

MY BIGGEST PROBLEM, RENTING IS BECOMING AN ISSUE WHEN THEY RUN MY CREDIT AND SEE COLLECTIONS, THEY ARE NOT RENTING ME. ON TOP DISABLEDIT MAKES ANGRY BECAUSE I HAVE NEVER BEEN IN ANY OF THIS MEDICAL FACILITIES THEY ARE CLAIMING I RECEIVED TREATMENTS AT ALL, I DO N'T EVEN KNOW WHO THE DOCTOR IS AND THEIR MEDICAL FACILITY. 
SEE ATTACMENTS.
Complaint sub-issue: Problem accessing account

I completed this XXXX and outdated verification portion when I opened my account and have had no issues since then up until yesterday at my mechanic. I attempted to pay for services and the transaction declined. Now Citi is telling me to wait 7-10 days AGAIN to verify myself after never changing my phone number. That costs me another {$1000.00} in fees to pick up my car!!!!!!!
Complaint sub-issue: Information belongs to someone else

XXXX  AND EQUIFAX ARE REPORTING A HARD INQUIRY FROM XXXX  XXXX ON XX/XX/2021 after XXXX  XXXX sent letters out to these companies for the inquiry to be removed. Attached is a letter from XXXX  XXXX telling XXXX  and EQUIFAX to remove this inquiry. Also attached is proof these companies are still reporting this inquiry.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Inaccurate reporting of scattered late payments from bureau to bureau. Must be 100 accurate and verifiable. Correct these late payments at once. 
XXXX  XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Inaccurate reporting of scattered late payments from bureau to bureau. Must be 100 accurate and verifiable. Correct these late payments at once. 
XXXX XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Complaint sub-issue: Account information incorrect

I aquired a auto loan from XXXX XXXX XXXX on XX/XX/XXXX. I  was on time with my payments and was in good standing with my loan. I was involved in a car accident in XX/XX/XXXX where my car a XXXX XXXX XXXX was totaled. The accident was reported to as being the other persons fault and they were ordered to pay for the car. What the other persons insurance did not cover was taken care of by my gap insurance. I have recently checked my reports and on all three credit reporting angecies XXXX is reporting a balance and the debt as a charge off and this information is inccorect because it should be reporting a XXXX  balance becuase they were paid by both my insurnce company and the at fault party.
Complaint sub-issue: Account information incorrect

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Complaint sub-issue: Problem getting your free annual credit report

XX/XX/2021, I wrote to LexisNexis to request all information they have about me. I got a letter in return, with my name spelled incorrectly, that stated " we are unable to authenticate your identity and therefore can not process your request ''. 

XX/XX/2021, I wrote to LexisNexis, again requesting all information they have about me and included a photocopy of both my USA passport and Alaska drivers license. I got a letter in return, that again stated " we are unable to authenticate your identity and therefore can not process your request ''. This letter has two numbers listed : consumer number XXXX, and case number XXXX. 

XX/XX/2021, I called the number listed for LexisNexis : XXXX. I was asked for my date of birth. I asked the person that asked me for my date of birth if she was currently in the USA. She said no, but there was an office in XXXX. I asked if she was a citizen of the USA. She said no. 

So here are the problems : This company, LexisNexis : 1 ) is fishing for all of my personal information that it does not yet have 2 ) is employing non USA citizens and entrusting them with my personal information 3 ) will not give me, despite multiple requests, the information they have about me This looks like a big scam to me.
Complaint sub-issue: Account status incorrect

Dept of Ed- got 2 loans in XXXX for XXXX university. Totally XXXX. Paid some for years, was supposed to be forgivin in XXXX. Then without warning XXXX tax return was taken by dept of Ed for over XXXX XXXX The 2 fed loan are same 2 dept of ed loans. They all should be closed with XXXX $ balance! This is the like 9th time in a few years. They keep comin n going and some here some there then all and so forth. Its basically XXXX. Quit hurting us XXXX XXXXXXXX people over XXXX in XXXX XXXX XXXX loan that was and has been paid off and taken care of years ago