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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I made arrangements to pay XXXX XXXX {$1500.00} to settle my debt intermittently they sold the charged off the account the next day. I paid their collection agency {$1500.00} to update. They sent me a letter saying that this would satisfy my loan and it would be listed as paid and not charged off. However after 10 attempts it is still showing as a charge off with a {$0.00} balance. That is the same as it reflected prior to the payment or dispute. If a creditor does not have to update your credit file to accurate information why would consumers pay their debts off? This is hendering me from getting utilities and a home for my kids. Please help me. 

I am also having the same issue with XXXX XXXX whom I paid in full even though the judge ordered my ex husband to pay and XXXX  continues to allow them to report this as 60 days late when it is indeed paid in full and closed.
Complaint sub-issue: Account status incorrect

I have reached out to sallie mae ( XXXX ) at least once a month since XX/XX/XXXX to have them report my account as closed and settled. They had misreported my account as delinquent in XXXX and neglected to take action on my requests to report the settled balance. Further, I opened multiple disputes with all three credit bureaus to resolve the issues. The bureaus cleared the delinquent reporting for XXXX but did not correct the account settlement issue. Dispute Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX  - showing a balance of {$370.00} - The balance being reported is incorrect and not showing full payment of account. No balance is owed on this account. Please remove this account and no longer ( cease ) to report this inaccurate account information again. 
- Vendor verified this accounts balance and per their records this report is not aligning with their accounting, verify the balance or remove immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I did not consent to, authorize or benefit from the following inquiries. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''
Complaint sub-issue: Investigation took more than 30 days

Remove fraud alert. I did n't make it and I 'm not mailing you all that stuff.
Complaint sub-issue: Their investigation did not fix an error on your report

I tried to open a checking account in XX/XX/2022 with XXXX XXXX XXXXXXXX XXXX XXXX online. The application was held in " Decision Pending '' for over a month, even after I unfroze my credit report for them multiple times. They continued to send me messages within the application portal, requesting that I unfreeze my credit, which I did several times. I also called the bank several times or several occasions, in which, I talked to a female representative, who promised to call me back and/or forward my issue to the department who handles processing membership applications. No one ever called me back. On XXXX XXXXXXXX XXXX, I asked to have my application withdrawn due to the poor service I received, prior to even becoming a member. In mid XX/XX/2022, while checking my credit reports, I discovered on my Equifax report a " hard inquiry '' posted by XXXX 'XXXX XXXX  XXXX XXXX. I couldn't believe it, after getting several messages within the application portal from them, this bank miraculously, were able to run my credit, after I withdrew my application. I've never had any bank to run a " hard inquiry '' for a checking account. I have had checking accounts with large banks and have 2 with other credit unions, who never ran a " hard inquiry '' for a checking account. I submitted a complaint to Equifax and XXXX about the issue and was told on XX/XX/2022 that the inquiry was " factual ''. Yes, the inquiry isn't fraudulent but a " hard inquiry '' for a checking account application I asked to have withdrawn is wrong to me and any other consumer. The fact that they ran the " hard inquiry '' after I told them I wanted the application withdrawn and after they stated they were unable to run it before my application withdrawal is very suspect and appears to be malicious.
Complaint sub-issue: Their investigation did not fix an error on your report

A dispute with XXXX  XXXX XXXX about reporting of a foreclosure on a HELOC account was corrected by XXXX. They sent all 3 credit reporting companies a letter to correct the account. XXXX  and XXXX   understood the letter and corrected our accounts. Equifax did not make proper corrections. They made the change to show the HELOC charged off, but they did not remove all of the 180-day late postings back to XX/XX/XXXX, as they should have. They are still incorrectly showing 180-day late for every month through XX/XX/XXXX. They sent us a letter stating that they made changes based on XXXX responses, but they clearly didn't read the letter closely. 

Refer to CFPB dispute number XXXX.
Complaint sub-issue: Debt resulted from identity theft

I spoke to the company themselves and told them that it was not me. That someone else used my social and birthdate for their appointment. They said they messed up. It was removed from collections but it is still on my credit report. I have asked for it to be officially remove completely.
Complaint sub-issue: Account information incorrect

Department of Education keeps a balance on my credit report, reflecting as a late payment. This debt was settled on XX/XX/2016 for {$940.00}. No further payments are due, however, this still hasn't reflected settled. Missed payments are still showing on the report and it will not remove.
Complaint sub-issue: Problem getting your free annual credit report

EquiFax 's Company Response to my complaint : " In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. '' 1 ) I have not received a copy of my Annual Credit Report in the mail as promised. 

2 ) They are claiming that they do not have copies of my ID in order to provide my Credit Reports and respond to Disputes. I have sent it multiple times with each communication to them. 

3 ) I need to be able to get copies of my Annual Credit Reports and Covid-19 Weekly Reports on-line, which I am currently unable to do on XXXX. 

They need to fix the 3 questions that they ask in order for me to access my Credit Reports. It is currently set up to ask me 3 questions, which all have to be answered with " None of the Above ''. When all 3 questions do not have an actual answer, it doesn't let you get your reports. 

EquiFax has all of my personal information available to them, so there is no excuse why they can not find at least one question that they can provide, that I can actually answer with the answer choices provided, in order therefore get a copy of my Credit Report on-line. 

I need them to fix this At Once.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX 1 ) reported my account as late unlawful 2 ) held my accountable for unfair practices, why report me as late for {$1.00}, when the car note for over {$500.00}?

3 ) poor communication, I was never made aware of the ramifications of leaving {$1.00} on my account nor did i receive a follow up in writing At then end of my loan, I called XXXX XXXX dealers services on XX/XX/XXXX to pay off the principal balance on my loan. The only outstanding balance would be late fees. I was informed by XXXX XXXX that due to system limitations, because there was late fees remaining their system requires that a {$1.00} principal balance remain on the account. My online account payment history showed the due date from that point as XX/XX/XXXX. The last and final payment was made on XX/XX/XXXX. This is within 30 days of the calculated due date ( XX/XX/XXXX ). 

However, after receiving notification from the credit bureau it came to my attention that i was reported as 30 days late by XXXX XXXX because of an outstanding balance of {$1.00}. I submitted a correction through my XXXX channel and nothing was fixed. 

I proceeded to check my account online payment history and noticed that my due date was adjusted from XX/XX/XXXX to XX/XX/XXXX. I never requested this adjustment and I was never informed verbally nor in writing that 1 ) my due date would be adjusted and 2 ) a {$1.00} balance would be reported to the credit bureau as a late payment. Also, recorded phone conversations note XXXX XXXX confirmed that they do not report to the bureau for late fees. Also, phone conversations with XXXX XXXX note that the {$1.00} principal balance was required because of their system NOT because I ( the customer ) requested that it remain. 

Working with XXXX XXXX XXXX off I submitted a case for Account number ending in : XXXX, case number : XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX informed me the correction to my credit report not be removed ( even though its unlawful ). The credit department rejected my request twice. They have choose to ignore that a {$1.00} balance remained on my account because their system required this to 'keep the account open '. Had a know that this {$1.00} balance would cause an unlawful reporting that they dont want to correct, I would have satisfied the entire balance on XX/XX/XXXX. Also, I was never told my due date was modified without my knowledge or consent. Had i know this, I would have satisfied the entire balance on XX/XX/XXXX.
Complaint sub-issue: Other problem getting your report or credit score

Over the last several days I have been trying to remove a Security freeze on my Equifax Credit report by either the online method or by calling them and speaking with an oversees phone XXXX. I have literally spent 6 hours speaking to people that say the freeze is lifted then to find out it is n't. I do n't know what to do anymore as there are big problems as each time I call they say it is still on, but they will lift it and each time it is never lifted. To make things worse I believe I have a split credit file with Equifax as it has happened before with them and they are famous for it if you have alot of credit or long history. I tried to pull my own report the last few days and my report shows I have zero tradelines where-as I have over 25 years of credit history many auto loans, CC 's and many other things on my credit report. This just started to happen two days ago when I was trying to get my freeze removed and XXXX tried to pull it once as my freeze was suppose to be removed according to equifax rep., but they got the strangest thing as well a report with no credit history at all like myself under my SSN. This needs to be resolved and I am out of options as no one is willing to help and I do n't believe the oversees CSR know what is going on and just read scripts and are of no help. Please please help me as I am at my whits end with them.
Complaint sub-issue: Information is missing that should be on the report

I applied for a personal loan with XXXX XXXX XXXX, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as Equifax, XXXX  and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Complaint sub-issue: Information belongs to someone else

I'VE SUBMITTED MY COMPLIANT REGARDING THESE ACCOUNTS TO THE CREDIT BUREAUS AND STILL HAVE NOT GOTTEN A RESPONSE AND IT BEEN OVER TWO MONTHS
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and personal identifiable information including credit card details and social security numbers were accessed for 143 million consumers, including myself, according to Equifax 's own checker site. 

This complaint is in response to that incident. So far, I appear to be unaffected by any sort of crime, but I 'm keeping a close eye on my accounts and credit and want to make sure that should anything occur, that Equifax is held responsible.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I received a letter from XXXX XXXX XXXX  I a re XXXX XXXX XXXX XXXX XXXX  demanding {$150.00} or Settlement of {$95.00}. This is an attempted Shake down for a debt discharged In chapter 7 bankruptcy as of XX/XX/2017. I have not attempted to contact this entity So as not to validate this Matter unwillingly because it is invalid due To the discharge afforded by the XXXX XXXX XXXX This Company is trying to perpetrate A fraud during this tax season, As is in common by Collection agencies.
Complaint sub-issue: Debt is not yours

I signed up with XXXX XXXX program in 2020. But I never signed for a payment program or utilized the service. I thought it was free and when I was getting charged every month for it I change my bank account because I never authorized these charges.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have about 5-6 Fraud inquires reporting to my XXXX XXXX and 1 on my Equifax and they are both refusing to remove them. They said the need deletion letters from those companies but those companies will not give me them. Now I'm stuck with inquires on my credit that I didnt do or benefit from starting from XX/XX/2019 till XX/XX/2019 any inquiry from that time are all FRAUD and need to be removed. Last time I checked I had NO inquiry at all on any of my reports.
Complaint sub-issue: Trouble with how payments are being handled

I contacted XXXX XXXX XXXX XXXX XXXX with a request to change the way my prepayments are applied so that the full prepayment amount goes towards the highest interest rate loan instead of first being applied as a normal monthly payment XXXX first part of the payment is applied to the principal of all of the loans even though this is an excess payment ). This is causing me to pay more in interest than I would be paying if all of the excess payment went towards the highest interest loan. 

As stated in 34 CFR 682.209 ( b ) ( 2 ) ( ii ) I have the right opt out of having my prepayments applied as future installments ( see end for the link ). So far my prepayments have been applied to future installments to the point that I do not need to make a payment until 24 months in the future. At this point I would like to stop my prepayments from being applied as future installments and instead have my prepayments go 100 % towards the principal of the highest interest rate loan ( after fees and interest ). 

XXXX XXXX XXXXXXXX XXXX XXXX has told me that it is impossible to opt out of having my prepayments applied as future installments despite being clearly stated in the Act. XXXX XXXX XXXXXXXX XXXX XXXX has also not provided me with any documentation that shows that my prepayments have to be applied in this matter. The master promissory note that I signed does not mention anything about this. 



XXXX XXXX XXXXXXXX
Complaint sub-issue: Was not notified of investigation status or results

An affidavit was sent via USPS certified mail to Innovis XX/XX/2019. 
Innovis received this affidavit on XX/XX/2019. 

Innovis was provided factual information about errors reporting on my credit report. In this affidavit **that will

be attached** Innovis was asked to report all inaccurate and incomplete information.
According to federal law, a numbered affidavit must be answered with in 30 days of reception each number point. 

In this affidavit there were a total of 14 points. Only 1 was responded to, number 13 where Innovis deleted all incorrect addresses but Innovis has not reponded to point XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX. or XX/XX/XXXX. While Innovis is technically not in default until XX/XX/2019 I am sending this complaint due to the fact that Innovis said that they concluded their investigation. 

This is a violation as they have ignored my dispute. ** The Innovis statement will be attached. ** Per my original affidavit, Innovis has until XX/XX/2019 to correct the listed issues or respond under oath with fact as to why they believe the information is factual. 

I will bring this matter to court if this information is not corrected.
Complaint sub-issue: Information belongs to someone else

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This XXXX XXXX  account with Account number XXXX is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2021 I wrote my dispute letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate it not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.
Complaint sub-issue: Their investigation did not fix an error on your report

Date : XXXX USPS CERTIFIED + To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : File a consumer dispute : 3 Errors on my Equifax Credit Report ( 1 ) I talked to the representative of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX @ XXXX ( see XXXX XXXX XXXX call log back-up ). The lady told me my ending cycle date is the XXXX of each month and they report to all 3 credit reporting agencies each month and they do not have or never had a balance of {$200.00}. We were both bewildered. She said, XX/XX/XXXX my ending statement balance was XXXX and she see two payments : ( 1 ) XXXX dated XXXX and ( 2 ) XXXX dated XXXX XXXX XXXX. Equifax : As of XXXX Equifax has {$200.00} posted against my account. Please update/fix Equifaxs system. 
. 
( 2 ) Theres an error under my personal information other identification information. I received a notification, XX/XX/XXXX. Someone changed the current address as XXXX XXXX XXXX XXXX, FL 2, XXXX, IL XXXX which is an error, dated XX/XX/XXXX on my credit report system. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. The Dispute ID XXXX XXXX was NOT updated ( 3 ) Why someone at Equifax establishment made my ssn NOT pass the verification requirement in the Equifax system. Making my ssn unable to be located in Equifax system by other companies including Equifax. 

Filename : Equifax XXXX XXXX SEE 9 ATTACHED DOCUTENTS : 1. Letter Box XXXX + Dispute XXXX Has not been updated > Confirmation XXXX + Dispute XXXX + My Equifax Report Contact Information + XXXX XXXX  XXXX 2. XXXX XXXX XXXX Phone log to XXXX XXXX / + XXXX XXXX transaction sheet 3. SSN Card 4. XXXX XXXX XXXX Bill + Pay your Bill Payment to same account XXXX XXXX XXXX XXXX Bill Tracking ID XXXX / {$5.00} XXXX
Complaint sub-issue: Account information incorrect

XXXX reports a past due account as follows : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} Date Updated : XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : > I have reported to XXXX that I do not recognize this firm, account, or amount at all and that it must be mistaken or fraudulen.I have never been contacted by this firm to my knowledge. XXXX has declined to take any action or even to acknowledge my dispute