Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried multiple times to resolve errors in reporting. XXXX XXXX has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with XXXX XXXX I have disagreed with their findings and have requested with support documentation that XXXX, Equifax and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, Equifax, XXXX  and XXXX XXXX my last request was mailed 45+ days ago
Complaint sub-issue: Account information incorrect

XX/XX/20 Dear to whom it may concern, Thanks so much for contacting me and bringing this matter to my attention. I want to get this matter taken care of as quickly as possible. To whom it may concern, I recognize your monthly statement is an offer for me to pay the bill. And I am happy to pay it immediately upon you providing me proof that my signature and note did not pay my account statement in full at the time of closing. By the way, To whom it may concern, please feel free to take me to court because there, I am sure the judge also would love to see your proof that the account was not fully paid at closing. One more thing, To whom it may concern, I noticed your monthly statement had an all caps name on it. That is not my name as my name is written in an upper- and-lower-case grammar style. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine.
Complaint sub-issue: Fees charged for closing account

XXXX XXXX previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX $ XXXX.How is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
US bank sent me the same notice from the same collections agency XXXX XXXX.
Complaint sub-issue: Account status

My Equifax credit report says I have a delinquency on my student loan in 2012. That is a mistake. I have never been without a deferment Furthermore, I am in the third and final year of the having that loan forgiven.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Complaint sub-issue: Indicated you were committing crime by not paying debt

There is a debt of {$400.00} on my credit that says an account has been opened this year on the XXXX of XXXX. I did no such thing that I can recall and would like some kind of proof of what kind of account and from where. I filed a dispute and all XXXX told me was they verified that I did open an account and basically telling me I have to pay but gave me no other information in fact wants me to PAY just to see more information regarding this issue. That's ridiculous! I dont understand what's going on. All I want to know is what kind of account was opened XXXX of this year, from where and how?
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus started my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation
Complaint sub-issue: Account status incorrect

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I received a alert on my XXXX Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I called XXXX ( XXXX XXXX XXXX XXXX ) to resolve repeated negative reporting on my credit report by offering to pay the debt or settle. The company would not discuss this debt with me and referred me to a collections agency that supposedly owns this debt now at phone number XXXX. On XX/XX/XXXX, I left a message at this collections agency, which I have identified as the XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX. They did not return my call, so I tried calling on XX/XX/XXXX again. I still could not contact a representative. I disputed the fact that on my credit report, the only phone number I am given to resolve the debt and stop negative reporting by XXXX is the number to XXXX, who will not discuss the debt with me or give me a way to resolve. I disputed this issue of incorrect contact information for the owner of the debt through XXXX  on XX/XX/XXXX and through Equifax on XX/XX/XXXX. I am displeased that the credit agencies only verified that the information for the original debt owner if on the report, and did not investigate why XXXX is marking my report as negative, despite the fact that this entity will not discuss the debt with me and I can not get in touch with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve the debt. I also disputed on XX/XX/XXXX with XXXX  that this debt is the result of faulty merchandise. My car caught on fire and the dealer, XXXX XXXX, would not replace any parts without a hefty fee, so I had to voluntarily surrender this vehicle after 29 months of perfect payments. Even with the means to pay off this debt, I have noone who will accept the payment and XXXX continues to place monthly derogatory information on my report. DELINQUENCY DUE TO FAULTY MERCHANDISE AND I HAVE BEEN UNABLE TO GET THE MATTER RESOLVED.
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. 

XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states 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 crimes 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: Reporting company used your report improperly

In accordance with the fair credit reporting act XX/XX/XXXXaccount XXXX with XXXX XXXX XXXX. Violated my rights to Privacy 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.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Complaint sub-issue: Overdrafts and overdraft fees

Today I received a notice that said they were debiting my account {$72.00} for overdraft fees. I have tried to get them to refund these before and they have said no until I filed a complaint. They are taking advantage of me because I am  XXXX  and only making {$10.00} an hour.
Complaint sub-issue: Can't close your account

After opening an account with citibank for a promotional offer, and spending a tremendous amount of time communicating with Citibank to actually receive the promotion, I decided to discontinue banking with citi, and went about closing my account. I withdrew all funds from my account, and used the " Citi XXXX '' feature to communicate that I wanted to close my account. The representative indicated that it was closed. 

Several weeks after I having been told by the citi representative that the account would be closed, I received a charge on my account of {$25.00} for having a " lower monthly balance than required '' for maintaining the account. Given that I had requested the account to be closed, this should not have occurred. It took me 3+ calls to Citibank ( over an hour each ) to try and resolve this issue. 

I eventually received confirmation that the {$25.00} charge would be reversed, and the account would be closed. One day after this occurred, I received a {$35.00} " overdraft fee '' on the account, as the account had a zero-balance, so the {$25.00} charge from citi was viewed as an overdraft. Not only is this an absurd practice, to charge overdraft for fees issued by the bank, but this seems like predatory activity. This also represents fraudulent activity, as the bank is prohibiting me from closing an account, and billing me for a service which I requested to discontinue, and had received verbal confirmation several times that it had been discontinued. 

I am now in the process of trying to resolve this issue, and anticipate that I will need to spend several more hours. This company should be heavily fined.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting 5 accounts from XXXX XXXX that do not belong to me. I was not notified by mail of any of these accounts prior to this company placing these accounts on my credit report
Complaint sub-issue: Problem getting report or credit score

I have REPEATEDLY requested my credit report from Equifax both online an over the phone and they do not respond appropriately and claim to not have the requests. They insist I FAX a copy of my drivers license to them! Absurd! No one has a fax machine anymore, and funny how I can access the other XXXX companies without issue. They have very obviously multiple errors on my account, and I have tried to dispute them online, by email and phone. They have never sent or displayed my report through them, the " security questions '' they ask to access online are WRONG-NOT MINE- so the " correct '' answer, none of the above, makes them deny me access! I have had no trouble whatsoever getting into my accounts with both XXXX and XXXX recently, and they did have XXXX error each, but that is all, and corrected it immediately and without hassle. Equifax has given me this run around, has obvious errors, as their FICO score is nearly XXXX points off the others and they ask me " security '' questions which are NOT MINE AT ALL and then ignore my complaints about such. Meanwhile, I am being denied the best rate for my new car purchase, which I deserve, thanks to their negligence.
Complaint sub-issue: Was not notified of investigation status or results

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX1 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Complaint sub-issue: Debt was result of identity theft

My son is enrolled at XXXX  XXXX University ( XXXX ).  He applied to Sallie Mae for an education loan online in XX/XX/2019 for {$13.00}, XXXX. He emailed me in XX/XX/2019 asking that I co-sign his loan. I told him that I would have to see the terms and condition first before making a decision. I logged onto the Sallie Mae link he sent and started filling out the application to view his  loan information. I started filling out the required information, but did not complete the application because I disagreed with the loan terms. The main disagreement points were : ( 1 ) it was what I consider to be an excessive interest rate and ( 2 ) it was a Variable Interest Rate loan. My son may have accepted those loan terms,  but as co-signer, I did not accept the loan 's terms because I was shopping around for more favorable loan options. However, I did elect the required " fixed monthly payments of {$25.00} while you [ my son ] are in school and for a separation period of 6 billing  periods thereafter. '' ( Reference : Update on your loan application : Action Required pg 2. Repayment Options para. 1. Accessed via email XX/XX/2019 ). I was surprised to receive an email from Sallie Mae requiring a {$120.00} payment, which I never consented to paying. However, I did make the payment on behalf of my son because he could not afford to and I did not want to damage my credit rating. I believe that in trying to push/sell their high interest variable interest rate loan, Sallie Mae not only cut corners by processing an incomplete application ( mine ), but also approved me as a co-signer without my explicit consent. I consider the aforementioned business actions fraudulent and identity theft. I contacted Sallie Mae on numerous occasions, but to no avail. I have also filed multiple complaints against Sallie Mae, but so far I am still awaiting a satisfactory resolution.
Complaint sub-issue: Information is missing that should be on the report

I have sent several dispute letters and Equifax always says they dont receive my documents causing a delay as I then have to send the documents again just to be provided with the same information. 

I sent a letter along with a document from the collection agency stating the account will be closed and removed from all credit agencies. Since I didnt see the updates were made, I sent the dispute directly ; however, the account has not been deleted. I spoke with an agent today, XX/XX/07 at XXXX CT who was rude and refused to provide his name and refused to get a manager on the phone. He placed the call on mute and ignored my requests as he did not respond. The call is currently active as I am completing this dispute going on 50 minutes while the agent still has not responded.
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/22 : Called Nelnet to request a refund for student loan payment from XXXX XXXX XXXX Told it will take up to 4 weeks. No confirmation email received that I requested a refund. 

XX/XX/22 : Called Nelnet to verify my request has been sent as I didn't receive a confirmation. Was told they don't send emails. Was now told the refund process can take up to 6 weeks. ( no update or heads up that it will take longer, had to call and find out ) XX/XX/22 : Called Nelnet to clarify if refund will be mailed or automatically deposited in my connected bank account. Was told it will be deposited if my bank account is connected to Nelnet. Also told only people whose refund is rejected will get an email. I confirmed again that my refund request is in the system. 

XX/XX/22 : Called Nelnet to ask about update regarding my refund. No update from Nelnet 's end. Was told it will take longer than 6 weeks now. ( Again, no update regarding processing time ) Also told how they will email if request will get approved or denied. Now they said my refund will be returned via check and not automatic bank deposit, despite calling last week to confirm. 

I asked how they were processing the refund requests as I know people who requested after the date I made it and they've already had their accounts adjusted or already fully refunded. 

Representative told me she does not know how they are processed and what order they process it in. 

The 6 week mark is coming up in 2 days and she basically insinuated calling in every day won't speed up the refund process.
Complaint sub-issue: Account information incorrect

XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down equifax over XXXX points.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

OnXX/XX/XXXX, I began to receive telephone calls from credit card companies and banks looking to confirm my personal details to complete applications for credit cards or other bank services. At this point, I realized I was a victim of identity theft.
I immediately checked my credit reports from the three bureaus, and placed a fraud alert on my profile. I also opened a police report at my local department. 

OnXX/XX/XXXX, I signed up for identity theft services to attempt to protect myself. 

OnXX/XX/XXXX, I was called by a lending company looking to verify my employment. It turned out someone had created a fake ID with all my valid information, including driver 's license number. 

I believe all of the above was the result of the Equifax data leak, as the timing matches with the breach as well as the fact that Equifax is of the only sources that contains all information needed in the attacks that I have suffered.
Complaint sub-issue: Can't use card to make purchases

On XX/XX/2020 I attempted to log in to my online account with Discover Card only to find out that my access has been restricted due to a routine identity verification check. I was told I would receive an email with instructions from an individual at Discover with instructions to submit to the IRS in order to verify my identity. I was also advised that my charging ability would be restricted or suspended until the IRS responds, which i was told could take several days to weeks due to the pandemic. These adverse actions were taken by Discover despite not sending a notification in advance to make me aware. 

As far as I'm concerned this action is a violation of my consumer rights.
Complaint sub-issue: Account information incorrect

The items on my credit report are unverified and I have no knowledge of these accounts.
Complaint sub-issue: Trouble using the card to pay a bill

Hey I open a bank with citi bank on XX/XX/XXXX and I got my second check from my job and I did mobile deposit on XX/XX/XXXX they told me I have to wait 1 business for the check to clear and my check still didn't clear so I called to XX/XX/XXXX check still didn't clear at all and they telling me I have to wait for next month idk why this is un professional
Complaint sub-issue: Account information incorrect

XXXX XXXX  account XXXX My Job with XXXX XXXX ended XX/XX/2020 because of covid 19 I explained that to the Bank, that i was covered by the Cares Act, please remove late payment. 

XXXX XXXX XXXX account XXXX XX/XX/2020 reported late payment., my job was eliminated do to covid 19,  covered by cares act, they would not remove late payment. 

XXXX XXXX XXXX card account XXXX reported my account late in XX/XX/2020, my job with XXXX XXXX wasa eliminated do to covid 19, covered by the cares act.
Complaint sub-issue: Reporting company used your report improperly

I was listed as one of the people potentially affected on https : //www.equifaxsecurity2017.comXXXX by Equifax 's securitt breach. I feel that my information was mishandled and I, along with millions of other consumers, was put at risk. I hope for a speedy resolution.
Complaint sub-issue: Debt is not yours

the wonderful folks at Jefferson Capital Systems have purchased rights to collect debt against XXXX XXXX ( NOT XXXX XXXX ). and yet they hit my credit report will the debts of a different person. 

they called dozens of times, would not say what it was about, and last XX/XX/XXXX when going through mail I noticed there was a collections letter from them for XXXX XXXX ( NOT XXXX XXXX ) and yet they put that garbage on XXXX XXXX XXXX credit report & then proceeded to harass XXXX XXXX endlessly over it. 

here is URL of image of scan of debt collection letter which clearly shows they have the wrong name XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On several occasions I have sent several letter to the credit bureau explaining to them that accounts showing on my report is not mine. Each time the bureau would reply and state verified. I have ask them to show proof and verify the account is mine, such as contracts, signature. By law they have to show me proof if they are reporting this on my credit file. They are not removing the accounts. This is hard on my life and now in a pandemic covid 19, I can not get any assist with these errors. They have failed 3 times to show me their method of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX