Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. Being that they have gone past the 30 day make and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX   XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Received bad information about your loan

XXXX handled my student loan from XXXX, XXXX, XXXX. I noticed that XXXX utilized a glitch to charge more fees/interest to students, and upon review of XXXX payment history, it appears XXXX also utilizes a glitch to collect more fees/interests as well. 

XXXX responded to complaint XXXX in which it referenced XXXX practices ' in regards to my student loan, so before this case goes to court, XXXX has an opportunity to resolve any discrepancies. 

Fact XXXX. I began paying back this XXXX year loan to XXXX in XXXX XXXX. 
Fact XXXX. The beginning balance of the loan was approximately XXXX 
Fact XXXX. I was only required to pay back XXXX per month starting in XXXX XXXX. 
Fact XXXX. From XXXX XXXX to XXXX XXXX XXXX XXXX total months XXXX, I paid XXXX XXXX XXXX XXXX doc ). 
Fact XXXX. If I was only required to pay back XXXX per month then $ XXXX months paid. 
Fact XXXX. Since XXXX months paid, that equates to XXXX years, XXXX months. 
Fact XXXX. Since I started paying back in XXXX XXXX, XXXX years, XXXX months after that is XXXX XXXX. 
Fact XXXX AES XXXX processing my loan in XXXX XXXX, and at that point, I was already XXXX years, XXXX months ahead in paying my loan. 
Fact XXXX XXXX XXXX that I was late in XXXX XXXX, which was false. I was ahead. XXXX assumed I was late and did not consider payment history when making false assumptions/decisions. 

Fact XXXX XXXX XXXX reporting that I was late with XXXX XXXX when this is not possible, as seen in the payment history, I paid more than the required amount. 

Fact XXXX. XXXX refunded me late fees in XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX because the system it uses has a glitch that automatically charges late fees when the student is already ahead. I did not ask for these refunds, however, it appears, someone within XXXX recognized that I was in fact ahead in my loan, and refunded me accordingly. 

Fact XXXX. Since XXXX is reporting that XXXX considered that I was late in making payments, I need documentation relating to those facts, otherwise, when a lawsuit is filed against XXXX, I must also file against XXXX. 

When borrowers pay back over XXXX in under XXXX  years, and when the starting loan is under XXXX, it can easily be seen that the borrower was ahead several months. However, since the loan was transferred to XXXX in XXXX, XXXX, the late fees that were previously refunded in XXXX, XXXX, XXXX due to system glitch caused XXXX to think that my loan was late when it was not. XXXX XXXX not have reviewed loan properly before it was transferred, however, XXXX needs to review it now and verify that I was in fact ahead by over XXXX years. Documentation is needed so it can be relayed to XXXX, and this will help XXXX to avoid costly litigation. Thank you
Complaint sub-issue: Information belongs to someone else

I have contacted the major credit bureau multiple times requesting an investigation to verify fraudulent account debt, as I asked who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX XXXX : XXXX, XXXX XXXX : XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 Section 604 ASection 2 States a consumer reporting agency can not furnish a account without my written instruction. I have taken the necessary steps to get this handled and nothing has been done. These things need to be removed immediately : XXXXXXXX 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 XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX Card, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2017 I received an email from XXXX XXXX stating that the loan I owe was sold to a third party called XXXX XXXX XXXX. I have been trying to get in contact with them since the day my loan was sold to this company. I have sent them emails and have called them multiple times but have not received a response back. I would like to settle this debt but I need verification.
Complaint sub-issue: Reinserted previously deleted info

Equifax reinserted a previously deleted collection for XXXX XXXX that was unable to verified per dispute " investigation '' results I received XXXX/XXXX/2016. I was just notified of the reinsertion via a credit monitoring alert on XXXX/XXXX/2016. However, Equifax reports the reinsertion date as XXXX/XXXX/2016. Either way, i received no notification from Equifax informing me that a previously unverified, dormant, and deleted debt has now been verified and re-entered into my credit file. Because the reinsertion has caused an exponential drop in my credit score I too would like information proving the debt is in fact valid and verified. Under FCRA sec 623 I am requesting disclosure of the " original creditors documentation '', on file that was used to validate the the data now being reported or removal of data from my credit file.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX These Addresses have been disputed, With Equifax but they are continuing to to show this information on my credit XXXX, XX/XX/2021 both time they have provided me with the results as deleted but still is showing address that do not associate with me i demand these address be permanently taken off my Equifax report.
Complaint sub-issue: Personal information incorrect

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XX/XX/XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX
Complaint sub-issue: Reporting company used your report improperly

Currently I continue to received threatening and harassing letters from the company Trellis, who currently has my student loans. They had agreed to take out money out of my wages to remove any negative credit reporting and bring my account to good standings. Not only did I have wages garnishment, but they also didnt bring my account to good standing as promised. They also have not been willing to work with me in the process until recent. They continue to send letters even though the Cares act was implemented into Law to prevent creditors such as these from any type of wage garnishment and payments until XX/XX/2021.
Complaint sub-issue: Debt is not yours

I moved homes in XXXX and called XXXX to install an alarm system. The salesman came to my home and sold me an alarm. It was installed by replacing the exisitng alarm control panels with XXXX panels a few weeks later. I had signed a 2 year contract for montoring for a total of {$1100.00} paid monthly. After a few weeks.of use my wife came home and opened the front door and we found the alarm never worked when she open the door, as typically we came through the garage entrance. We contacted XXXX and they sent us an engineer who told us that the sensors in the front door werent working and we need to have then rewired. When the engineer checked the rest of the home and he told use that the whole house need to be rewired the alarm to work. The XXXX salesman came our house again and told us we would need to.spend a further {$2200.00} for wiring with fronts, side, patio, garages doors and window sensors. We complained that this should have been expalined ahead us signing the contract and so they sent us a 2nd senior sales manager to our home. He agreed that XXXX engineers couldnt have tested the alarm system on the initial visit and said he would discount the sensors and wiring to {$1700.00}. We respectfully declined the offer given we had all the expenses of moving to a new home. He told us that he would have the contract cancelled and apologized for the issue. A few months later we started to recieve bills from XXXX for alarm monitoring and we called several times giving our explanation and were told someone would be back in contact. Many calls and bills later, we found out that Sales Manager had left XXXX. Eventially we were presented with a demand for the 2 year montoring fee in full. We tried to raise this within XXXX but there customer service team has 1 escaltion route to another team that has no discretion, no power and simply stated we " signed '' a contract. XXXX passed this to Apelles LLC debt collection in XXXX after 4 yearrs of disputing the demands. Apelles were initally understanding of our postion, which we disputed within 30 days of them contacting us, and then we found they had registered a debt against us. Today, 4 years on, we still have the alarm system in place as originally installed by XXXX, still not working as proof of how they left us. Extremely frustrated at how companies like XXXX are allowed to treat customers with such lack of care and no mechansim to get to Senior people who would be able to listen and hear. Shame on you XXXX.
Complaint sub-issue: Debt is not yours

I received 30+ calls from an automatic system from ERC this week. I spoke with XXXX XXXX and she attempted to collect 3 debts at the same time, and she gave me information about those accounts without verifying my identity before providing that information. 
Following account information was provided to me by XXXX XXXX : XXXX XXXX ( Ref : XXXX ) with a balance of {$2000.00} and with last 4 of social XXXX in that account. 
XXXX ( Account # XXXX Ref : XXXX ) with {$450.00} and last 4 of social in that account XXXX. 
XXXX XXXX XXXX with last 4 of social XXXX. 
After sharing with XXXX my intention of filing this complaint, I got transferred to XXXX at the office of the president, XXXX started asking for information without notifying me of her attempts to use all the information obtained to collect a debt. 
I explained XXXX that I been harrassed getting several call repetitive and in an inappropriate way. XXXX offered to to place the accounts in Fraud status but I inquired why I should place an account that doesn't have my social security but XXXX refused to answer my question. At the end she started that those are my account without verifying the validity of those account and not having present that the social and address on those account doesn't match with my identity.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX I have made 5 telephone calls to Equifax all which have included automated system that I repeatedly try to direct to the fraud department and was continually hung up on after stating my rights were violated per 15 USC 1692, 18 USC 8, 15 USC 1681 ( a ) ( e ).
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : XXXX XXXX XXXX ACCt # : XXXX I do not have a debt with XXXX XXXX XXXX and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.
Complaint sub-issue: Account status incorrect

EQUIFAX stated my account with XXXX XXXX XXXX -ending XXXX was properly investigated multiple times over the past 7 months. Last dispute by EQUIFAX was completed on XXXXXXXX 
However, how is this possible when the closed date is still inaccurate, worst delinquency is inaccurate, payment status is inaccurate, account number is inaccurate and last date of activity is inaccurate. 
The most recent Dispute completed by EQUIFAX from XX/XX/2022 ( attached ) clearly shows an account ending XXXX, when the actual account number ends in XXXX. EQUIFAX, clearly DID NOT complete an accurate and thorough investigation. 

The inaccurate information is a cause for removal, Equifax also violated my rights under ; 15 U.S.C. 1681 SECTION 602A. States I have the right to privacy. 

15 U.S.C 1681 SECTION 604A SECTION 2- also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am exhausted from Equifax blatant disregard for my cosumer rights. Violation after violation has been committed under the Fair Credit Reporting Act. The Act clearly states credit reporting compnaies has 30 days to complete dispute or item in question is removed due to its unverifiable status. I will not stand for this anymore Equifax needs to remove the following items from my credit report. The items are submitted with this complaint. Failure to comply will result in a civil lawsuit againgst Equifax. Equifax clocks starts now. They have 10 days to remove the items or the whole corporation will be hearing from my lawyer
Complaint sub-issue: Account information incorrect

A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with XXXX, Equifax and XXXX the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!
Complaint sub-issue: Debt was result of identity theft

I have NO knowledge of this Bank /debt. 
I have NOT opened this account. 

XXXX XXXX/Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Line of Credit Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$210.00} Highest Balance {$210.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$210.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor
Complaint sub-issue: Account status incorrect

I 'm in the process of repairing my credit and disputed information against XXXX XXXX ( Virginia ) around XX/XX/XXXX they sent to a collection agency. The information was overturned in my favor. I checked my information this morning via XXXXXX/XX/XXXX and noticed XXXX XXXX has sent the collection through via another Collection Agency ( I C Systems XXXX XXXX, MN )
Complaint sub-issue: Information belongs to someone else

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 

These fraudulent credit inquiries made by the following companies : Inquiries : 1. Equifax Mortgage Ser on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. Equifax Mortgage Ser on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested several times to verify an account that has been showing on my report. On XX/XX/XXXX I thought the problem finally got resolved as I got an alert that the account was removed from my report ... however, I checked my report again on XX/XX/XXXX and the account is back on my report. I understand they are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I will attach screenshots of both the notification from XX/XX/XXXX and the updated report on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account opened as a result of fraud

Account with synovous opened under my name. It was not me.
Complaint sub-issue: Problem getting your free annual credit report

We have been trying to get a credit report from Equifax since XX/XX/2020. We have faxed our documents 3 times, but Equifax is refusing to release our credit report. They are claiming they never received the documents, but we have proof of all three times the documents were sent. We can not get our home loan without this credit report. We are about to lose our contract with our home offer because of this. The other 2 credit bureaus released our credit report with no issue, so it is only Equifax. 
We have called customer service over 5 times, and all they say is they haven't received our documents.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Hello I signed up for a new program with Salllie Mae bc I couldnt afford the expensive monthly payments. They lowered it. Ive paid two out of the 3 months of the probation period. XXXX XXXX & XXXX XXXX They said my loan stays in delinquency until after the 3rd month. I didnt understand this meant they would keep reporting to it to my credit. So they have reported 6 individual loans 2 times to my credit worsening my credit score dramatically when I have paid these past 2 months. ( In the past they have refused to consolidate my loans. ) So I couldnt have prevented this hit to my credit. They said this is federal regulations. This is literally setting people up to fail. ALSO this whole time Sallie Mae is collecting crazy interested on my account because this program doesnt lower my interest rate until after the 3rd month. Basically making it so I dont make any dent in my loans during this two year lower monthly payment program. None of this repayment program is showing live on my Sallie Mae account. I have received one letter about my Payment plan. I only verbally agreed to this payment plan on the phone.
Complaint sub-issue: Trouble with how payments are being handled

I am participating in the PSLF program. Every few months I log onto the FedLoan Servicing website to check my qualifying payments. In XX/XX/XXXX, I saw six of my loans had 7 qualifying payments. I saved that webpage to PDF ( attached ). However, in XX/XX/XXXX I saw those loans only had 5 or 6 qualifying payments. 

When I called XXXX, I was not given any explanation as to why my qualifying payments had been reduced.