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

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late fr purpose.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Hi, I've just exited deferment and was looking into consolidation as a means to lower my monthly payment and shorten my repayment period. I've had my loans in deferment while I have started my own business. I used their repayment planning tool on Wednesday, XX/XX/XXXX at about XXXX ET. 

However, NelNet is clearly forcing me into a prolonged repayment term that benefits them. When I attempt to select a term-based repayment plan, I receive four options.

1 ) Standard, {$7500.00} per month, fixed monthly payments, 10 year term 2 ) Graduated, {$7300.00} per month, payments increase over time, 10 year term 3 ) Extended Standard, {$1900.00} per month, fixed monthly, 25 year term 4 ) Extended Graduated, {$1300.00} per month, payments increase over time, 25 year term If you do the math on the Standard and Graduated 10-year plans, the interest rate is about 36 %. 

This is clearly forcing me into the most profitable option for NelNet, and penalizing me should I wish to pay off my loans early. While I'm not an expert in Student Loan lending laws, I can't imagine this practice is within the law. 

In addition, my loans have been serviced by several companies over the past 17 years. I made steady payments for about 10 years while I was not eligible for an in school deferment or hardship deferment. However, because the loans were transferred so many times my payment history was lost. NelNet, the most recent servicer, is unable to give me an accounting of how my prior payments of nearly {$100000.00} were applied and why my principle has increased above the original loan amount for all but one of my loans. The prior loan services are no longer in business and I am at a loss as to what to do to 1 ) confirm the actual amount I owe, and 2 ) begin repaying that amount. 

Please help.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent address 's and account. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENTLY AN AUTO LOAN IN THE AMOUNT OF XXXX ON XX/XX/2018 TO FRAUDULENT ADDRESS 'S THAT I HAVE NEVER LIVED AT! 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The Company XXXX XXXX run a hard inquiry check on credit report agency Equifax. 
I did NOT authorize this inquiry. 

I called XXXX fraud department and Equifax. 

I placed a dispute on Equifax credit report, and fraud alert on line, then called the customer service to talk to someone for some questions and resolution. 
The person that I spoke to, an employee of Equifax, told me that there was nothing they could do to remove that hard inquiry from my account, that it would be there for 2 years. 
I said, how can you keep it there if that is a FRAUDULENT inquiry? 
They replied I had to contact XXXX XXXX, which I did right prior to contacting them. 

XXXX fraud department DENIED that they used my social security to run a hard credit check, and the fraud department lady I spoke to said that anyone can run a credit check without social security. I told her she was mistaken, because to my knowledge they must have a social security to run a credit report, and the credit report agency confirmed this, they can not do it without it. She replied these words '' you do not know what are you talking about '' and hang up on me. 

Both XXXX and Equifax have given me the run around, even after I disputed the information and even put a fraud alert on my Equifax account. 

That hard inquiry has to be removed ASAP, and not after 2 years like Equifax customer service agent said, because it lowers my credit score for no reason, since it was a fraudulent inquiry. 

Please help me to resolve this issue. 

Thank you.
Complaint sub-issue: Investigation took more than 30 days

Investigation took more than 30 days and nothing was changed when clearly there are misleading, incorrect, inaccurate items on my credit report..i have those two accounts attached showing those inaccuracies... I need them to follow the law because this is a violation of my rights!! The EVIDENCE IS IN BLACK AND WHITE ....
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of the breech and also a victim of identity theft. before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like these to be removed from my reports. 

XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX
Complaint sub-issue: Information belongs to someone else

I check my credit profile regularly on XXXX XXXX. I noticed a XXXX XXXX credit card as well as a XXXX XXXX XXXX XXXX XXXX card opened on my account in the fall of XXXX. I called both companies immediately and informed them about the fraudulent activity. I also opened an investigation with the FTC at XXXX and had several XXXX holds placed on my credit profile. I received letters from both XXXX and XXXX XXXX that the accounts had been closed due to suspicious activity, however both both accounts still show as " hard inquiries '' under my credit profile. The XXXX card shows as a hard inquiry under my XXXX profile and the XXXX XXXX card shows as a hard inquiry under my Equifax profile. As an aside, Equifax shows another hard inquiry from " XXXX XXXX '' that I do n't recognize ... perhaps related to XXXX. The credit companies appear to have done their part, however the credit reporting agencies do n't appear to have any interest in rectifying the situation.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2013 a collection agency called PDQ SERVICES Inc made an attempt to collect XXXX dollars from which i do not owe so now they have put it on 2 of my credit agency reports which is damaging my credit ( XXXX & XXXX.The original creditor XXXX XXXX XXXX XXXX. 

Also this makes it hard to get into an apartment or home rental. 

PDQ SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.
Complaint sub-issue: Account information incorrect

US B ANK IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTE D US BA NK SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  US BANK  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Complaint sub-issue: Termination fees or other problem when ending the lease early

I have a diesel VW that is part of the VW Buyback settlement. I have an appointment at VW  on   XXXX   XXXX   to turn in  the vehicle and receive the buyback for early lease termination. VW  of America-  XXXX  My monthly lease payment is due on   XXXX   XXXX    (  3 days before I 'm turning in the car ), and I called VW credit to ask for a grace period, explaining that I have the appointment ( and can not get one sooner ), but they will not waive the payment. VW  XXXX   XXXX  I do not think it 's fair to have to pay for a month if I only have the car for 3 days during that payment period.     The  VW   XXXX   XXXX   XXXX   XXXX  says that I " MAY '' get a refund from VW Credit, but nobody can guarantee anything.
Complaint sub-issue: Information belongs to someone else

I am a Identity theft victim. This is the worst thing that has happened to me. I've had perfect credit for years. There are two accounts that were opened fraudulently on my credit profile. I request that they be removed immediately! I have uploaded my Identity theft report, the description of the items and my other supporting documents!
Complaint sub-issue: Account terms

I purchased a lawnmower from XXXX in XXXX AlabamaAlso a air conditioner The lawnmower broke down three weeks after Ipurchased it returned it to be repaired never seen it again called severaltimes they finally brought me the wrong mower I refused it was not theone I purchased it was used and older The air conditioner I gave back to theretheir collections manager or whoever that guy is that beats down doorshe refused to give me a receipt that he took it also he broke my screenby forcing it when it was locked to put a note in my door They have puta charge off on my credit {$1100.00} and that is false they never could findmy lawnmower and they refused to tell me what they resold the airconditioner for all I could possibly owe them is the remainder of the airconditioner minus what it sold for I want them to take this off my creditas it is fraudulent reporting their credit manager XXXX needs to beterminated as she is trying to scam people like me.I have wrote thecompany XXXX times no response they filed a law suit 2 years ago forXXXX and never followed up on it because I will so countersue so manydifferent amounts none coenside with another
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is an inquiry from US Bank on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. Thank you.
Complaint sub-issue: Threatened to sue you for very old debt

I do not recognize this debt or debtor and they are threatening legal action against me and harassing me
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 XXXX I received an email about a hard inquiry on my Equifax credit report. I contacted Equifax to file a fraudulent dispute. My dispute was denied, and I was told I had to contact the company who check my credit, the was XXXX XXXX. Someone had used my social security number and applied for an online catalog with XXXX XXXX. On Monday XX/XX/2022 I contacted XXXX XXXX XXXX department and spoke with a fraud Rep and explained what happened. The rep asked for my personal information and found that someone other than myself had tried to open an online account using my social security number. The rep apologized and said, she/he would forward the information to Equifax, and it should be removed from my credit report within 5-7 business days. This has caused a negative impact on my credit report and score.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) reporting inquiries without my permission as well as inaccurate reporting of the collection as an " Open Account ''. Also, some inaccurate reporting that needs to be removed immediately. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Account status incorrect

I opened a personal loan account with Money Lion in late 2021, where I received {$120.00} and a reserve amount of {$870.00} held back by money lion, while reporting that I had received the full loan and was making payments of {$96.00} per month for 12 months, and agreed to receive the rest of the {$1000.00} ( {$870.00} ) after the loan was paid in full. This was to attempt to raise my credit score to buy a house. A few months into the loan, money lion started reporting to my credit that I missed payments that I was not late on. When I disputed the remarks, it was never fixed, so I paid money lion completely off. And after signing the purchase contract on my house, money lion reported that I was late again. After that and with other things I was denied the home loan on the second credit pull before I could close on the house. I reported money lion again. Then it showed back up on my credit report within 24 hours. So I called them. They gave me the run around. Then the day I tried to rent an apartment, it was reported to my credit again, and I was told due to the credit reporting I would have to place the maximum deposit amount in order to rent an apartment and now XXXX is getting involved for us being XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All of the inquiries listed below are fraudulent and are being reported to my equifax credit report which is against consumer law. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX Opened XX/XX/2007 Charged Off/Closed The account is 8 years + old.
Complaint sub-issue: Account status incorrect

I PULLED MY CREDIT REPORT AND I ' NOTICED THAT I HAVE TWO OPEN ACCOUNTS THAT CONTAINS A FEW LATE PAYMENTS REPORTING ON MY XXXX  XXXX  ACCOUNT AND XXXX   ACCOUNT. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS EVER SINCE. I AM REQUESTING IF THERE CAN BE A GOODWILL ADJUSTMENT ON THOSE ACCOUNTS.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Complaint sub-issue: Trouble with how payments are handled

I secured a bar study loan in XXXX through XXXX aka XXXX, with XXXX as the third party lender. I subsequently had my payments deferred, until I ran out of time, but I went through a period of unemployment and undermeployment so I was unable to pay. First, I was told to pay XXXX XXXX XXXX, and I did begin making payments. Then I was told to pay XXXX XXXX XXXX, but I did not. Finally, I was contacted by XXXX and I made arrangements to pay them and have been paying them since XXXX. 

Last year, I was alerted that negative information was added to my credit report. When I checked, I saw that XXXX XXXX XXXX listed themselves as a collection agency on a debt I owed. I reached out to XXXX and they were able to conduct and investigation and remove the information from my credit report. 

A couple of months later, I received a call from Enterprise Recovery Systems attempting to collect on the same debt. They mailed me proof of the loan documents. I advised them that I did not deny owing XXXX, but that I was already paying another company. Enterprise said they could only help me if I could get a copy of the original loan documents from XXXX. Then, they also reported this debt to the credit bureaus as seriously delinquent, however, XXXX did not remove this from my report. 

When XXXX reached out to XXXX to get documentation on the loan, XXXX was unable to process the request because, they claimed, that XXXX is currently involved in litigation regarding its loan practices. When I reach out to XXXX myself, the telephone numbers were not in service ; I mailed them and received no response. ERS would not provide me with any contact information so that I might try to reach XXXX another way. 

I subsequently emailed Enterprise and attached scanned copies of multiple emails from XXXX XXXX regarding my loan from its origination where XXXX is listed as the third party lender financing this loan, subsequent emails showing who I was supposed to pay, and payments made. I received no response. 

I have paid the loan down so far that my balance is just under {$1000.00}. Some payments were submitted to XXXX XXXX XXXX ( but I have no credit on my account for them ) but majority have been submitted to XXXX. At this time, all I have to support my claim is emails from XXXX and XXXX. I requested an itemized statement from XXXX. 

Please help me as I have no other recourse!
Complaint sub-issue: Problem with personal statement of dispute

I am trying to file online dispute today XX/XX/XXXX with my equifax.com account about a merchant that falsely put a collection on my account from XXXX XXXX XXXX for XXXX XXXX XXXX in XXXX XXXX, Ca. ; as they were not authorized to do certain repairs but did without authorization from the insurance company or me. I was left to pay my portion of the bill, which I did and left a balance with the insurance company that they tried to put on me. I previously disputed it with experian in OXX/XX/XXXX and it was deleted from my account. Now I am currently trying to dispute it with equifax, equifax online system first said I can not because I have already disputed it, which I have not. Then I tried to login to my equifax account again later and the page goes nowhere and just hangs or says login is not available at this time. Then I use a different browser and it starts to work until I put my personal information in then it does the same thing connection lost. At the same time as I do these activities online someone in my building slams a door every time, so it appears my activity is being monitored by someone else/hacker in my location. Also on my phone it does the same thing, which I have reported to the FCC about this and have a report number. Additionally, I have contacted the local police about retaliatory theft ( and harassment by this merchant and people in my neghborhood ) off my vehicle/ home after I began disputing these charges, but I believe the police is also in on the people stealing or allowing people in the XXXX XXXX of XXXX XXXX to assualt me.I don't understand how they would let this happen either as I am a Federal Government employee and a military veteran as well.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

on  XXXX / XXXX /  XXXX   I called  Citibank Home Equity Loan Dept  to inquire about a home equity loan that was paid in full however continues to show that we are late with payments. I faxed over a dispute letter as instructed along with a satisfaction of mortgage to Citibank and was told I would get a letter in the mail and also an email stating that the dispute was being processed. I called them on  XXXX / XXXX /  XXXX   to inquire about both since I did not receive it and the person I spoke to said the letter was mailed out on  XXXX  and that I should receive it on  XXXX / XXXX /  XXXX  . I still had no email. on  XXXX / XXXX /  XXXX  , I called to say that I had n't received any letter/email and was promised that a faxed copy of the letter would be sent to me by the end of that business day which I did not receive. On  XXXX / XXXX /  XXXX   I called and was transferred to several people for almost  two  hrs to finally speak to a supervisor that said that my dispute was not opened up properly and that no letter was available to send me. I have been asking for a letter to provide to my mortgage broker stating that we are paid in full and are not late with any payments. After that supervisor  XXXX  hung up on me I called back and got a person named  XXXX  who said that he was send me a paid in full letter that I could send to the credit bureaus and it would be faxed and emailed to me within  24  to  48  hrs. This is delaying my mortgage process.  XXXX  even said that we are paid in full and have no current business with Citibank but the service has been horrible, I often get transferred from  one  person to another. Im told various things and nothing seems to be happening to get my credit report corrected. my credit reports states that I have been late from  XXXX  to current.
Complaint sub-issue: Account information incorrect

There is a late payment reporting on my US Bank account. As you can see I have had this account open for years and never made a late payment and there is not XXXX single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.