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

I contacted Equifax in XX/XX/2022 asking that they please add XXXX XXXX XXXX  XXXX XXXX XXXX for which I am an authorized user as my Equifax Credit Report was incomplete and missing the XXXX credit cards in question. Equifax, as of today, has refused to add these XXXX accounts without basing their decision of any statute, law, edict, court case, dicta, caselaw, etc. In fact, my request have been ignored as a reply has not been afforded. The FCRA permits CRA to add " authorized '' user account to profiles. In fact, both XXXX and XXXX both show these XXXX accounts in question. Of real concern is the fact that Equifax, in retaliation, has initiated, on its own, disputes with some of my creditors. Yes, you are reading correctly, I have not disputed any inaccuracies nor disputed any incorrect information shown in my Equifax Credit Report. Equifax has opened multiple disputes without my approval and without my knowledge. For example, multiple disputes have been opened by Equifax with XXXX XXXX  XXXX, on account XXXX, a legitimate account, in good standing, and for which I have no problems with. The information for his account is correct. Why did Equifax, randomly, decided to start opening disputes with this creditor without my permission? This is illegal! Equifax reference dispute # : XXXX and XXXX. My cease and desist letters have been ignored. I will file a complaint with my State Attorney General and consider taking legal action. Under what FCRA statute does Equifax opens up disputes with my creditors in a secretive manner? What legally justifies their actions?
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the countless letters I have been sending addresssed to the Cedit Reporting Agencies, they have failed to properly validate the disputed accounts and continued reporting these accounts which is a clear violation of the FCRA reguylation. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personbal information such as my Driver 's license last four digits of my SSN and ptoof of billing address to confirm my identity. However, upong further inspection of my Credit report, I came to a realization that the Credit Bureaus have became ignorant of theit duty to properly report information on a consumer 's Credit File. I am submitting this complaint to protect my rights which is clearly being violated by the Credit Reporting agencies. I need the following accounts corrected especially the accounts status and payment history of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX Please provide documentation that the Credit Bureaus description belong to my Credit report.
Complaint sub-issue: Banking errors

I opened a citi checking and a savings account on XX/XX/18 in a branch at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The banker who opened the accounts for me is XXXX XXXX. There was a promotion of {$400.00} bonus if I keep more than {$15000.00} deposit into the account ( combined ) for 60 days. It has been almost 6 months past and I have NOT received the bonus. I have contacted the banker several times through email, call ( left voice mails asking to call back ) and walked into the branch ( he was off on that day ) I have never received his reply. I would have no other choice but to file a complaint against it. I was hoping Mr XXXX would take a close look and escalate to see why I haven't received the bonus. 

My checking account no is XXXX.
Complaint sub-issue: Other problem getting your report or credit score

I have sent you several complaints regarding EQUIFAX and all I ever get from them are form letters asking me to PAY them for my report when I shouldn't have to. They haven't answered any of my questions and frankly neither has your department. All you seem to do is pass on my complaint to them without investigating why no action has been taken. The government bureaus have no teeth nor are any bit concerned with corrective attempts at resolutions. And the Credit Bureaus really don't care either. They pile up record profits selling our personal information with the blessing of the U.S. Government. 
LET 'S JUST FORGET THAT I EVER CONTACTED YOU OR THEM. PERIOD!!!!!
Complaint sub-issue: Problem with customer service

In XX/XX/XXXX, I began paying back my student loan. This loan was later purchased by Nelnet. I continued making regular payments on this loan, and I began making larger payments to retire this debt. On XX/XX/XXXX, I called Nelnet to inquire the exact amount needed to close and payoff the loan in its entirety. Based upon that phone call, on XX/XX/XXXX, I made a final payment on this loan, the balance was made {$0.00}. I specifically asked them to send me a written letter confirming that I do not have any further balance. 
I called back in early XXXX and inXX/XX/XXXX. Both times, I was advised that I would receive this letter within 60 days. I still have not received any written proof from Nelnet that my account is closed and this student loan is paid off. In using the website, Nelnet indicates there is a " {$0.00} '' balance, and no payment is due and owing. But they refused to send me a letter so that in the future, there can be no doubt about this situation. I also contacted the Credit Reporting Agency in XX/XX/XXXX to determine whether any negative mark was made against my credit. I am waiting for a response. I am filing this complaint because Nelnet refuses to respond to reasonable request for written proof that my account has been paid in full.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. Additionally, the accounts was already removed from the other bureaus, so please do your part. 

XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax has failed to comply with 15 USC 1681c. I never gave authorization, to any consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Equifax is furnishing accounts to my consumer report that is a violation of this section. Equifax has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. Equifax has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) they have furnished reports containing information which is supposed to be excluded from all consumer reports this is a violation of this section. Equifax has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 a letter was mailed to Equifax ( regular mail to XXXX XXXX XXXX XXXX, GA XXXX ) requesting that they disclose the method they used to retrieve a Bankruptcy record that they have listed as a public record on my credit report. I advised in the letter that at this time I was simply seeking detail on their verification method. Equifax did not respond. Following the lack of response I went directly to XXXX XXXX : and the Bankruptcy Court noted on my credit report and in response both entities responded they could not verify the record themselves- and XXXX XXXX specifically as a result of not being able to verify the record - deleted the Bankruptcy record from their reporting. Following the response of both entities I submitted a formal dispute to Equifax on XX/XX/2021 ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ) which was delivered on XX/XX/2021. The dispute documentation included the notice from XXXX XXXX and the Bankruptcy court. Along with all pertinent letters. Equifax responded indicating the record would remain as the information was accurate. Equifax did not furnish any documentation to support their response or decision to leave the record unchanged - despite the evidence I sent to them showing the item could not be verified in accordance with FCRA requirements. On XX/XX/2021 I sent a follow-up notice to Equifax regarding their dispute response ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ). At this point I have given Equifax ample time to properly resolve my dispute and to review their error.
Complaint sub-issue: Account status incorrect

XX/XX/2018 XXXX, Equifax and XXXX despite my 3 previous written requests asking them to provide me with the name of the person in there company who verified that these accounts under XXXX XXXX XXXX are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file THEY ignored my rights and failed to show what was used to verify. Their actions clearly demonstrate willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Complaint sub-issue: Company closed your account

Good evening : The company Discover Card closed by account that has a credit limit of {$7900.00}, without notifying me in advance. The account had a XXXX balance, and I have been a member of Discover from 2014. I was informed that my account was closed due to lack of activity. I am currently paying a Discover Loan, which is current. 

This sudden closing of my account during Covid, without any notice is cold hearted and without merit. I owe Discover no money on my credit card account and I paid down my Discover Personal Loan of {$30000.00}, down to approximately {$10000.00}. 

I am a XXXX American Male and I feel Discover 's action as basic XXXX!!! I am asking you to contact Discover Card and ask them to justify the action of closing my account. The closing of my account will be detrimental to my credit rating, because it will lower my available credit, which will hurt my credit rating. 

My name is XXXX XXXX XXXX and my Discover Card # is XXXX XXXX XXXX XXXX. 

I requesting that you contact Discover card and ask them to justify its action concerning closing my credit card account. It is disgusting that Discover is closing my account when Covid is killing XXXX Americans at a record rate. It Covid doesn't kill us off then credit card companies like Discover will help finish us off! 

Furthermore, please advise what legal actions I can do against Discover Card due to its outrageous action. I also, wish to know if Congress ' Covid Relief Bill restricted how credit card companies can close accounts without cause during Covid? 

Thank you for your forthcoming consideration of my requests stated above. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX  BANK XXXX XXXX Balance : {$570.00} XXXX BANK XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} Medical XXXX Balance : {$320.00} Medical XXXX Balance : {$280.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$91.00} Medical XXXX Balance : {$79.00} Medical XXXX Balance : {$61.00}
Complaint sub-issue: Investigation took more than 30 days

I am being taken advantage of by the Bureau Equifax and the creditors, I have spoke with all companies involved in this matter of unauthorized inquiries being placed on my consumer file. I spoke with representatives from Equifax and the creditors who are responsible for those unauthorized inquiries on different occasions to get this issue fixed and they all are lying to me. Equifax told me by phone that I need to contact the creditors who placed the inquires on my consumer file and tell them to write requesting them to remove the inquiries. I also contacted the creditors that placed the hard inquires on my credit file and was told by representatives that the Bureaus are responsible for reporting and have the authority to remove the inquiries from my credit report. I am being taken advantage of as a consumer and being lied to by all parties involved and I am seeking litigation because of the FCRA laws state that information that is inaccurate and unverified has to be removed from one 's credit report and Equifax is reporting Inquiries that do not belong to me nor have open accounts with any of the creditors that has reported that to the bureaus. This is fraudulent, I am totally in distressed and very harmed by this matter, I feel I am being ignored.
Complaint sub-issue: Problem lowering your monthly payments

I was falsely under the impression that this loan was under a deferment or forbearance like other student loans during this international crisis. Apparently, this did not apply to my private student loan. 

This company, Mohela, has put me in financial dire straights before, forced me into bankruptcy, and caused immense amounts of stress on my family due to their horrible communication practices and unwillingness to assist in any way. 

In XXXX, I filed for bankruptcy under pressure from a defaulted student loanwith Mohela. This student loan had fallen into bad standing as I had called Mohela to file for an economic forbearance option and was not informed I had only placed this option on the federal student loan held by Mohela, not the private student loans they also serviced. 

I came out of bankruptcy in XXXX, expecting to have accounts reset and be able to start with a fresh slate, and Mohela had not done any of these things as my other accounts with other creditors had. My forbearances were never reset, I was out of any available options when financial hardships arose, as they had already exhausted these options prior to and during the bankruptcy. 

When the bankruptcy period was over, and payments resumed for this loan, they were entirely too high for my family to afford. We contacted Mohela to put a payment adjustment in place, and they do for a time, but it expires, and each time, we file for a new modification. They want more and more information, and they do not contact us to tell us it's missing. You must log in to the website to find details. 

This year, as stated before, I erroneously thought this company would be giving us relief due to the pandemic, and instead, what they did could only be considered postal harassment. We tried to apply for a payment deferment in XXXX, a payment modification, anything to help get us through, and they denied us for missing income verification. 

Now we are receiving letters telling me I have defaulted on this loan, and to contact the legal department, during a global pandemic, during an unprecedented time, and during a time when student loans were supposed to be offering relief. 

I am feeling backed into a corner here. They offer no options to help.
Complaint sub-issue: Collected or attempted to collect exempt funds

CFPB XXXX XXXX. XXXX XXXX XXXX XXXX just sent me a collection letter I just received today no date to when it was written but did say I have to get back to them by XX/XX/2022 today is XX/XX/2022 trying to collect a debt that they know is exempt from there collection enclosed there letter are they crazy to do this
Complaint sub-issue: Account status incorrect

The following account information is incorrect : Name : ( XXXX XXXX ) The following accounts are incorrect : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX The following soft inquiries are unauthorized : XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX Soft Inquiry XX/XX/XXXX EQUIFAX XXXX Inquiry XX/XX/XXXX EQUIFAX XXXX Inquiry
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing derogatory public record that is on my credit. On XX/XX/XXXX I opened a dispute report # XXXX with XXXX, Equifax and XXXX. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, Equifax and XXXX  and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Changes in terms mid-deal or after closing

Terrible experience. I bought a XXXX XXXX XXXX XXXX XXXX. It died within three days of receiving it. I gave Carvana the benefit of the doubt and swapped it for the same model and year at the same price but with XXXX more miles. I was notified day of delivery that the second car had a damaged moonroof headliner which was not shown nor disclosed in the online photos or description. The delivery driver said they would write a ticket for it to be fixed through their warranty program. The replacement car showed the same symptoms as the first one " Service Required '' " Low Battery '' within 24 hours and died in my garage within three days. I called requesting a solution. Their solution was to take it to their warranty partners to get it fixed or swap it one more time. BUT if there were any issues with the second swap, then I would be stuck with the car and have to go through their warranty program for repairs. When I did more research, the first car they delivered to me arrived to them dead. Carvana took the car to XXXX XXXX for diagnostics and repair. Carvana only disclosed to me via phone that the check engine light was on and the car just needed a downstream O2 sensor replaced which would extend my pick up time. I agreed. I asked about the repair and the guy told me he had no idea what it meant or the impact, that's all the info he had. When I picked up the car, he told me they also replaced the battery with a new one. There is NO way the two cars I received were in their inventory with no issues. There was no ability to speak to anyone other than a customer advocate. After the second car died, I called to request my money back but no one knew how to update the system or figure out what needed to happen to proceed. I respectfully requested they reach out to management to figure out next steps instead of talking back and forth on the call and never received a call back. Carvana is selling cars that put owners and other drivers in danger and take no responsibility. The process for selling your car to them is very easy, but steer clear of buying a car from them. The only positive experience was the customer service from XXXX and the second delivery driver - his last name was XXXX. I talked to multiple people throughout this process and they were the only people I spoke with during the whole fiasco that were knowledgeable and helpful. Also a heads up, if you swap, you have to sign a new purchase contract and every time you sign, it's a hard hit to your credit regardless of whether you return the car or not.