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

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX XXXX : {$200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance XXXX {$200.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00} "
Complaint sub-issue: Frequent or repeated calls

I co-signed a school loan for my niece. My niece consolidated her debts on XX/XX/2020. I received a call from Firstmark Services on XX/XX/2020 at XXXX, notifying me the loan was past due in the amount of {$210.00}. I notified the Firstmark representative that my niece had just consolidated her loans and they should be receiving a correspondence or payment soon from the company. I informed the representative that there was no need to make further calls with the information I provided. 

XX/XX/2020 at XXXX, I received another call from a Firstmark Services representative notifying me my niece loan was past due in the amount of {$210.00}. I informed her that I had already received a call and notified the previous caller that the loan payment was being taken care of by a debt consolidation company. I further informed her that I would consider any further phone calls to be harassment. The representative told me they were not harassing me and had the right to call me until the past due amount was paid. 

I did not answer the following calls. XX/XX/2020, at XXXX, XX/XX/2020, at XXXX and XX/XX/2020, at XXXX. I answered a call on XX/XX/2020, at XXXX, a Firstmark Services representative named XXXX. I asked XXXX if they would know if their company had received any correspondence from the consolidation company notifying XXXX that they would be making payments. XXXX stated they would most likely just make the payments. I asked XXXX if he could see the notes from the previous calls, that I requested the phone calls to stop or I would take legal action for harassment. XXXX said it was in the notes but as long a the account was past due they would continue to call.
Complaint sub-issue: Reinserted previously deleted info

XXXX submitted my name for a collection that did not belong to me. I called and was not helped at all. They were not rude, just not helpful. I agreed to pay this bill as i was in a bind and needed it off my credit report, they agreed to delete and for quite a while it was off my credit report. It has shown back up and no one has attempted to help me get this removed. I could lose my job because of this.
Complaint sub-issue: Information belongs to someone else

I noticed an account and multiple inquiries on my report I do not recognize
Complaint sub-issue: Privacy issues

I received a PRE-ACTIVATED Home Depot credit card. The card was activated by others without my knowledge, consent, or authorization. In my opinion, the pre-activated card presumptuous and deceptive. The pre-activation without the card holder 's knowledge and consent poses a security threat. If I want the card activated, I will do so myself. Any benefits claimed by the card issuer to do out weigh the security risk the pre-activation creates. Is this legal?
Complaint sub-issue: Attempted to collect wrong amount

The original bill was for {$89.00}. The late charges, fees, and collector fees has escalated this bill to {$440.00}. I called XXXX to ask if I could pay my bill on Friday, it was due on the Wed before. The girl I talked to said that it would be ok and she would mark it on my account. The next day my phone was turned off. I called to have it turned back on they said it would cost me XXXX plus the next month 's bill, costing me {$230.00}. It was never posted on my account that I called. I want to pay this bill, but I refuse to pay what I 'm being charged. I will pay a fair amount.
Complaint sub-issue: Information belongs to someone else

First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company XXXX have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than XXXX  days very horrible customer service I have reached out to XXXX numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all These are the inquires 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I have a secured card with XXXX  XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XX/XX/XXXXpayment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


XXXX XXXX XXXX XXXX- I am also submitting an investigation for XXXX XXXX XXXX  you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 XXXX  XXXX   XXXX   accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.
Complaint sub-issue: Trouble with how payments are handled

In XXXX 2016, I was approved for the Fedloan Servicing REPAYE repayment plan. I was advised that I would need to make a one time {$5.00} payment the next month and then my new payment plan would start. In XXXX, the correct payment did not get applied to my account, therefore I had to request a forbearance ( I can not afford the current payment of ~ {$1100.00}. In XXXX, the payment due amount again did not get correctly applied to my account ; therefore, I had to request an additional forbearance for that month. In XXXX, I was finally able to make the {$5.00} payment ( on XXXX/XXXX/16 ) and was told my new payment would start in XXXX 2016. Again, the correct payment amount was not triggered on my account -- again, I had to request a forbearance. Then again, in XXXX the same issue occurred, so currently, my loan is in forbearance. I have been promised multiple times by different people that the correct payment will trigger. Unfortunately, to date, this continues to be an issue. 

I am currently in a Public Loan Forgiveness Program -- due to the inadequacies of FedLoan Servicing in getting my new payment plan in place, I have not missed out on 5 months of payment credits toward my overall loan forgiveness plan. 
I would appreciate any thoughts or assistance in getting this issue resolved. 

Respectfully, XXXX XXXX
Complaint sub-issue: Problem with direct deposit

On XXXX XX/XX/2020 my direct express card was locked. Upon calling them i was informed my account is locked due to fraudulent charges and they could not give me any information as to why it was locked. Ive called back sat on hold everyday the last 6 days for 2-3 hrs for np one to have answers. There is nothing fraudulent on my account the right amount of money was deposited and they will not release my government money nor will direct express provide me with any information about my account nor the person/people Ive spoke to. Direct express employees refuse to provide me with any proof of who they are and why they are not allowing me to access my money
Complaint sub-issue: Account status incorrect

Credit reporting agencies, creditors, and collection agencies are in violation of the law.
Complaint sub-issue: Old information reappears or never goes away

The credit reporting agencies are continually reinserting the following unknown collection for {$470.00} on my credit file. It keeps popping up on my report for the same amount but under different companies since XXXX with XXXX XXXX XXXX being the most recent : XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

I have contacted Sears MasterCard XXXX several times from XX/XX/XXXX through XX/XX/XXXX to figure out why I can not use the credit card and every time I call the representatives tell me the card is blocked but they can not tell me what is the reason as to why is blocked and that I need to wait for a letter from the Bank as they will provide instructions on the letter for me to follow as to what to do. 

I have been a customer since XXXX and I have never made any late payments and all balances have always been paid off before monthly statements and it does not make any sense why they are not allowing me to use my card or not giving me a reasonable explanation as to why they blocked the card. They said they have mailed a letter ; however, as of today XX/XX/XXXX, I have not yet received the letter and all my recurring membership services charges like XXXX and XXXX XXXX are being rejected and due to such I am now looking bad with these vendors. 

I need the Bank to mail the letter via XXXX at my home address XXXX XXXX XXXX, XXXX CA XXXX, or email the letter to XXXX or call me at ( XXXX ) XXXX personal cell or at ( XXXX ) XXXX XXXX XXXXXXXX XXXX work number or XXXX to fix the issue ASAP.
Complaint sub-issue: Account status incorrect

I had an auto loan with XXXX XXXX that I paid in full XX/XX/2020. Usually XXXX, Exquifax and XXXX updated my auto loan on the XXXX of every month, but this time they didnt update my information. Because of this my pre-approval was recinded and now I can not secure my mortgage for my new home. I tried to contact XXXX XXXX directly and they advised that did their part, they sent the letter on XX/XX/2020 advising all 3 credit reporting agencies that my auto loan was paid in full. Its dishearting that the 3 reporting agencies are quick to report incorrect information, but slow to correct/update their inaccuracies. That fact that I am no longer eligible for my mortgage over this is unfair, biased and causing me financial harm.
Complaint sub-issue: Problem with product or service terms changing

according to credit karma i9 have been requesting a soft credit report every other day. i have not. i have closed the XXXX email associated with the account but it is still active
Complaint sub-issue: Reporting company used your report improperly

XXXX  XXXX  XXXX XXXX XXXX Accounts has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt is not yours

I had to XXXX from duty station to another. I submitted my signed orders ( which by law should have taken me out of my lease ) to XXXX XXXX. The property manager continued to charge me rent and charged me other fees as well. They did not repay me my security deposit either. Instead, they sold a fraudulent debt to a shady collection agency, namely Carter-Young.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax file # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX Last four of SSN:XXXX I have sent numerous letters and phone calls trying to remove 11 fraudulent inquiries from my account. This is my second dispute with Equifax this information on my report is not accurate and it is fraudulent. There have been an investigation done but did not provide me with any evidence that I approved my credit to be ran. These inaccuracies are hurting my credit profile and I want them removed. There credit inquiries I am disputing are : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Talked to a third party about my debt

I have a XXXX account in collections that i continue to pay on and been making small payments twice a month but in the month of XX/XX/XXXX i made payment on XX/XX/XXXX then next payment that i made was XX/XX/XXXX within 30 days.on XX/XX/XXXX th to XX/XX/XXXX my account was reported to the credit bureau with the balance of {$420.00} which was minus pymt on XX/XX/XXXX.i called to see why it was reported before 30 days and the representative was very rude about it and i asked for a manager n it took a while for him to agree to get me one.when manager came on board she adviced me its their discretion when to report my account even though i made a payment 3 days before.she was as rude about it as her representative.Im trying to fix my credit and was not happy to see it in my report which affected my score n making it harder for anything been approved, this is my debt and i have not refused to pay it as i was doing it i just want it to be removed from my credit report and have better representatives who are not as rude at ICSYSTEMS
Complaint sub-issue: Investigation took more than 30 days

XXXX  FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/XXXX. UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX. PAID CLOSED CANCELLED.

ALSO, XXXX XXXX XXXX   NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XX/XX/XXXX.

RE-INSERT XXXX XXXX XXXX NO.XXXX. PAID IN FULL VER LATE AND CLOSED.

LASTLY, XXXX XXXX XXXX IN AN INVALID TRADE OF XXXX.

UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO RCS. XXXX IS NAMMED IN BANKRUPTCY XX/XX/XXXX AND DISCHARGED XX/XX/XXXX.

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.
Complaint sub-issue: Information is not mine

In XX/XX/XXXX I moved to an area XXXX does not cover. I sent them several proofs of change of address and my new DL from SD where they do not have coverage. They canceled the contract, and I had a letter stating so. I do not owe XXXX any money at all, they agreed in XX/XX/XXXX to that fact Now a new company has reported collections that do not exist.
Complaint sub-issue: Their investigation did not fix an error on your report

I refer to the above Equifax credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health CarXXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of XXXX Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. See Attachment 02. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year XXXX and XXXX.
Complaint sub-issue: Billing dispute for services

I have been paying to have my credit file as well as my wife 's credit file frozen for about XXXX to XXXX  years or more. I did the same with for the other XXXX credit reporting agencies as well. Initially, the only way to get a freeze from Equifax was to pay as part of a monitoring program. Which I have done since I starting blocking my credit information. As it turns out the law changed in I think XXXX which would have rendered the services I was receiving from Equifax to now be available as a free service. On, XX/XX/XXXX, I contacted because my wife received a notice that they had cancelled her credit service. I eventually ended up speaking to a supervisor from at XXXX named XXXX or at at least that is what he told me. Anyway, after informing them of the fact that the only thing I needed from this service was to freeze my credit and monitoring, XXXX offered me a new product that was cheaper than what I was currently paying ( i.e. $ XXXX & $ XXXX ). The new product was only going to cost me $ XXXX. what a deal. Well the problem is, XXXX should have simply told me that I could be getting that service for free. I didn't discover this until I investigated more as you will see the date on the Consumer Financial site I found. I have been paying all these years for a service that was available for FREE and I was never offered to change!
Complaint sub-issue: Personal information incorrect

Reach out to the company data x first thing I get on the phone with them don't have my right address ask him to share the information what they have on file after they verify me still failed to do that I would like my file deleted and all person information permanently deleted out your system
Complaint sub-issue: Account status incorrect

My wife and I applied for refinancing on our mortgage. We were told that there was an account with Ally Financial that was showing closed in XX/XX/2019 with an outstanding account. We notified Ally but are not satisfied with our inquiry. They have updated the account as of XX/XX/XXXX but we have not been given a reason as to how the mistake was made. We should have been receiving positive points on our credit score for the last 7 months and have not. This needs to be reconciled.
Complaint sub-issue: Talked to a third-party about your debt

I have an old account with XXXX in which I owe {$1500.00}. I previously listed a person who I was dating as a reference. I'm no longer with the person and want no contact. I started receiving letters in the mail thanking me for my payments. I assumed it was in error. However, they discussed the amount I owed along with other personal information they had no right discussing with this person. They allowed him to set up recurring payments. This was a direct violation of my rights and I've already contacted my attorney. I have proof from my ex boyfriend and printed documents of the transactions drafted from his bank account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The credit bureaus XXXX, and Equifax are in clear violation of the FCRA where it states that bureau 's can not report while a dispute is under investigation
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5, 6, and 7 of the attached credit report. ) These accounts are reporting the ownership status as joint. These accounts do not belong to me. I have attached documents of the relevant paragraphs from our divorce decree pertaining to the ownership of the mortgages which clearly show ownership of the properties as the responsibility of my ex-husband. Please see Paragraph 18 ( a ) and 18 ( b ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX stating 100 % ownership of these properties is allocated to my ex-husband wherein he is solely responsible for the mortgages and other debts and liabilities associated with these properties and he shall indemnify myself ( XXXX ) with regard to same. This incorrect reporting of these accounts is harming my credit score and these line items need to be removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX accounts XXXX, XXXX and 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 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 reason.
Complaint sub-issue: Information belongs to someone else

I have called and sent a police report into the creditors and I am still being accused of these accounts. I have no idea of knowledge of these accounts. This is really hindering me of applying for credit
Complaint sub-issue: Public record information inaccurate

Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report
Complaint sub-issue: Problem accessing account

I need to be able to access my financial data as part of my application for a business grant.