Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

I have been on Income-Based Repayment for several years, as I am a XXXX employee, and plan to use the PSLF program. I recently got married, which ( understandably ) increased my payment. I submitted my initial Employment Verification Form in early XXXX, and my loans were transferred from XXXX XXXX XXXX XXXX to FedLoan Servicing on XXXX/XXXX/XXXX. I was paying {$610.00} a month to FedLoan Servicing. When my IBR was due for renewal, I got a letter dated XXXX/XXXX/XXXX saying that if I did not renew my IBR, my payment " will increase to {$550.00}. '' Since this number was smaller than what I was paying on IBR, I cancelled my IBR and switched to Standard Repayment, expecting to pay $ XXXX. After my request was processed, my interest was capitalized ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and my XXXX statement was then reduced to {$590.00}. I figured this was slightly higher than the letter stated since interest was capitalized. I continued to be billed ( and pay ) this amount in XXXX. However my XXXX statement says I owe {$690.00}. I do not understand why my payment now went up, or why it was {$590.00} for two months. I believe that I should be paying the {$550.00} as stated on the letter I received XXXX/XXXX/XXXX. I called FedLoan Servicing twice to inquire as to the different payment amounts. After being put on hold 7 times by the first person I spoke with, and still not having any answers, I tried again the next day. The second representative told me that the letter dated XXXX/XXXX/XXXX must have been in error. He said that I would have a lower payment if I re-entered the IBR program. However, I now have to pay an increased amount for the next several months as they process my application. Since I am in the PSLF program, this is money out of my pocket that I would not have otherwise needed to pay, but for their misinformation. I would like this resolved because increased payments, which I did not expect, is a hardship that is caused purely by the incorrect information provided to me by FedLoan Servicing.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXXXXX  n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX  & Equifax were sent a Identify Theft Report Dated XX/XX/2020. I have heard from their results in this matter. I sent them a copy of police report, copy of the items that were fraud. Very detailed list of the items listed in each bureau. Not sure what else to do other than to keep sending out letters explaining the circumstances. 

Equifax had a data breach that I was included but yet they still refuse to remove negative items that were listed as fraud from account. 
XXXX  too.
Complaint sub-issue: Transaction was not authorized

I have disputed 2 card transactions from a merchant as they are unauthorized fraudulent transactions. These transaction seem to be made with my card number. The dispute was rejected and a week after my dispute results that unauthorized merchant has charged me again! I did not authorize these transactions! 

The transactions are listed below : XXXX. XXXX XXXX XXXX XX/XX/XXXX in the amount of {$110.00}. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX in the amount of {$41.00}. 
XXXXXXXX XXXX XXXX  XXXX XXXX in the ammount of {$100.00}.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX and DEPT OF ED/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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and the late payments need to be updated.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX  account XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, DEPT of Education/XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Complaint sub-issue: Billing dispute for services

I have been financially impacted by the Covid 19. There is a late payment on my account. You are letting people skip payments, why was the reported to the credit bureau? There was a shelter in place order in my state. This does not seem fair.
Complaint sub-issue: Their investigation did not fix an error on your report

of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
XXXX never answered me the first time, XXXX and Equifax answered " The company that reported the information has certified to XXXX that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the BK court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.
Complaint sub-issue: Information belongs to someone else

I sent in a dispute letter asking to send me a contract with my signature that they used to verify accounts that have been posted on my account or delete the accounts off of my report that has not been verified, and the company has not complied with my request, I have sent this letter to them 31 days ago and I have not heard anything from the company, they have ignored my request.
Complaint sub-issue: Didn't receive enough information to verify debt

I have a student loan held by Key Bank which until recently has been serviced by XXXX XXXX. With the merger of XXXX XXXX and XXXX, management of my loan was released to XXXX XXXX. Within a month of the transition XXXX permanently raised my monthly payment without explanation or disclosure of the financial impact. I contacted XXXX for explanation of the change and full disclosure of adjusted terms of the loan. Customer service was only able to suggest that there had been an interest rate change which XXXX XXXX had for some reason chosen not to process which would now be applied by XXXX. No disclosure of the impact of this change, either monthly or in the life of the loan, was offered or provided. This is basic information. It is very clear that XXXX would prefer to raise rates without explanation and at their own discretion.
Complaint sub-issue: Account terms

XXXX XXXX has been reporting Negative item since XXXX XXXX. Past 7 years. I have not receive any investigation results from Equifax. Previously disputed in XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax did not provide me a proof of VALIDATION OF 1st Delinquent Date
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Complaint sub-issue: Their investigation did not fix an error on your report

I reported that all of my child support has been paid in full and that debt has been satisfied. XXXX XXXX and Equifax is still reflecting old information and they are refusing to let me dispute the information. THESE ACCOUNTS ARE PAID IN FULL AND SETTLED
Complaint sub-issue: Problem with statement of dispute

I initiated an online dispute with Equifax and received a reply on XXXX/XXXX/16 advising that it could not be handled online. I then requested that the dispute be handled by the firm I am using to apply for my business credit loans. My request to Equifax was that I was listed as only an authorized user in their system for a XXXX credit card account. My deceased uncle was the owner. That firm disputed the item with Equifax on my behalf on XXXX/XXXX/16. Today XXXX/XXXX/16, I received the online dispute results which state that Equifax has verified the account is mine and additionally, they are now reporting it as XXXX59 days late even though that was never reflected on their bureau prior to the dispute.Interestingly enough, I have just placed a call to the creditor XXXX who confirmed via phone that I was removed as an authorized user in their system and have no legal liability for the account. XXXX is sending me a letter to that effect in tomorrow 's mail. 
I am attaching a copy of XXXX the prior reporting showing Equifax listing me as an authorized user with no XXXX59 day late status as well as the results of their dispute. 
Please note that I disputed the same account and requested the removal from XXXX and that was done within 48 hours of my online request.
Complaint sub-issue: Information belongs to someone else

ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG
Complaint sub-issue: Debt is not yours

Real simple case here that XXXX and Merchants Credit Association has ignored. This is about a {$88.00} bill that I can easily pay BUT I refuse to since XXXX  incorrectly billed me and Merchants Credit Association ignored my response to their letter where I clearly disputed the validity of this alleged debt. 

Details : - My family and I rented a house and XXXX supplied garbage and recycle services. 
- My family and I moved out at the end of XX/XX/XXXX. 
- During early XX/XX/XXXXwe contacted all the utility companies and told them we had moved out. 
- XXXX kept billing us so I called and disputed the billing. 
- The owner of the house also called XXXX and he was told that there was no outstanding bill. 
- Fast forward a few months and I get another bill from XXXX. I again called and disputed such. This time they asked for proof of us moving. I happily emailed them the official USPS address change confirmation. 
- I hear nothing from XXXX for several months until I get a collection letter from Merchants Credit Association out of XXXX, WA - I obviously dispute the Merchants Credit Association attempt to collect a debt. I include the USPS email showing our change of address confirmation as well as a letter from the owner of the house stating that we moved out and that the bill is his not ours. 
- A few months go by and I hear nothing from XXXX or Merchants Credit Association BUT I get an email that my Equifax credit report has changed and when I look there is a collection from Merchants Credit Association. 

How can they get away with adding a silly $ 90+/- collection to my credit report when I clearly disputed this debt? 

I have the ability to pay the silly {$90.00} but since I do not owe this bill I chose not to pay it. Now it has cost me several hours of work and stress! 

Merchants Credit Association is probably gambling that I will just give up and pay a bill/debt that I do not owe due to the incredible hassle to prove I do not owe it. 

WRONG! - I will pay a lawyer {$1000.00} to clear this up before I pay XXXX and Merchants Credit Association for their obvious mistakes. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Merchants Credit Association XXXX XXXX XXXX XXXX, WA XXXX XXXX
Complaint sub-issue: Personal information incorrect

I, XXXX XXXX, a consumer, am submitting this complaint against Equifax and there is no third party involved. Equifax has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Equifax can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT EQUIFAX DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. EQUIFAX has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. IF APPLICABLE ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my UTILITY STATEMENT is how my name should be spelled. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name and correct address ( UTILITY STATEMENT ). I DEMAND EQUIFAX TO CORRECT THIS INACCURATE INFORMATION WITHIN THREE ( 3 ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. EQUIFAX is now liable for damages of $ XXXXviolation for Civil Liability for willful noncompliance, which EQUIFAX has failed to comply. This also includes any actual damages.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recivex a reponae from this comaony stating ... .According to our records, you submitted an online application for credit to XXXX, a fulfullment partner for Flagship, via XXXX, which was forwarded to Flagship on XX/XX/XXXX, at XXXX XXXX, in connection with the potential refinance of a XXXX XXXX XXXX ( the Vehicle ). We reviewed the information provided by XXXX and have confirmed that the name, address, e-mail address and telephone number match the information provided in your complaint. 

How can a third party send information on another party behalf and get away with this process?? I never authroized for a hard pull on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone tried to get students loans in my name I called soon as I get the alert they stated it will be removed and its still reporting to the bureaus
Complaint sub-issue: Reporting company used your report improperly

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Personal information

XXXX of the addresses listed for me are incorrect. The XXXX address and the with the strange city XXXX in Louisiana.
Complaint sub-issue: Old information reappears or never goes away

Nelnet XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years
Complaint sub-issue: Company closed your account

Discover cards closed my account stating that I needed to pay at least the minimal amount, which I have. 
This is an adverse action it is discrimination and unlawful. It is prohibited by title 15 USC 1691. For the purpose of this subsection adverse actions means a denial or revocation of credit the scope of this chapter is prohibited it is a discrimination.
Complaint sub-issue: Account status incorrect

In XXXX, 2016 I separated from my now ex husband. On XX/XX/2016, my ex husband was ordered by court to pay the XXXX XXXX mortgage on time and in full by the XXXX of every month. Only my name is on the mortgage. I have have gone to court over XXXX times to get him to pay the mortgage which has been extremely late every month. XXXX XXXX has refused to help address the negative factors on my credit report due to his failure to comply with multiple court orders. The mortgage has now been sold but my credit is destroyed due to the negative reporting by XXXX XXXX. 

I want my credit cleared of the negative marks as this has nothing to do with me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX