Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

I 've been working for a XXXX employer since XX/XX/XXXX. I recently ( XX/XX/XXXX ) had my loans transferred from XXXX to Fedloan Servicing ( Pennsylvania Higher Education Assistance Agency ) as part of signing up for the Public Service Loan Forgiveness program. 

They have been dragging their feet in explaining to me why they only counting my qualifying payments from XX/XX/XXXX forward, which means I would have to pay for an additional 3 years before my student loans are forgiven. They have made no attempt to properly explain their logic for determining this decision, nor have they sent me any kind of communication regarding my PSLF payments. 

I 've spoken with customer service reps and I 'm either given conflicting answers or no explanation at all.
Complaint sub-issue: Information belongs to someone else

There is an inquiry on my report from XXXX on XX/XX/2021. This is a fraud inquiry. I did not make or authorize anyone to pull my credit report from this company.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I I Filed a complaint number ( XXXX ) with the CFPB to ( Equifax ) and they responded that they sent it to the company however This company has failed to address this complaint and they didn't notate the dispute on my credit reports. I have attached screenshots for proof.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF ED/XXXX  XXXX Balance XXXX {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXBalance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX/DOFED XXXXXXXXXXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00}
Complaint sub-issue: Keep getting calls about your loan

The amount of harassment and threats that XXXX has caused not only for me, but my immediate family, and family members I didnt even know existed is unbearable. Every single day they call threatening me and harassing me with no regard. 

I will never talk to this so called company again. Theyre a joke and provide no solution to help. 

Ive received no less than 1,000+ calls from this company, along with my family over the last 3 months. Im trying to make a living and need them to leave me and especially my family the XXXX alone. 

Every time they call any of my family, itll just be one more week that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

During 2016 I was a victim of identity theft. There were several accounts opened in my name, and 3 apartments. I didn't know that I was a victim of identity theft until I saw a lot of unauthorized inquires on my report, and negative collection accounts. I have been working to get all of them removed and as of today all are gone except this account. I have sent multiple letters to this company and proof of identity theft but it still isn't gone. Over the past 2 years they have removed it multiple times but end up adding it back a couple months later. I would like this account to be permanently removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple documents to Equifax in effort to resolve this issue ... XXXX XXXX is reporting on my credit file with Equifax and Equifax only ... .they claim that it was verified yet neither of the other 2 bureaus were able to verify this fraudulent account. I asked for the original contract with my signature on it ... ..for proof to validate this account ... .Equifax told me that they don't have to provide proof ... ..According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have sent in document after document which I have record of that this account is being reported incorrectly and or fraudulently. Equifax are some law breaking XXXXXXXXXXXX!!
Complaint sub-issue: Problem getting report or credit score

Lexis Nexis was utilized in the month of XXXX 2016 to obtain a consumer report on me, from XXXX. One week ago, a request was made to have this report sent to me. As of yet, Lexis Nexis has failed to follow through and send this report.
Complaint sub-issue: Other problem getting your report or credit score

This is a complaint about SageStream, a credit reporting agency. I have recently learned that a credit report from SageStream has adversely affected XXXX of my financial applications. SageStream has egregious requirements in order to view my own credit report from there including sending an excessive amount of personal information via insecure methods. This is completely unacceptable. If they want to be a proper credit reporting agency they should be forced to also be included as a company on the XXXX website. This information should be more easily accessible online.
Complaint sub-issue: Reporting company used your report improperly

My personal information has been divulged in the Equifax leak announced XXXX XXXX, according to https : //www.equifaxsecurity2017.com/potential-impact/. This information can include my date of birth, full address, SSN, drivers license number, and more. I 've put a 90-day fraud alert on my accounts, but I am filing a complaint against Equifax here as well for potential identity theft due to their actions. Furthermore, I believe this site https : //www.equifaxsecurity2017.com/potential-impact/ itself is unsafe, as it asks me to enter my last name and most of my SSN in order to determine if my personal info has leaked.
Complaint sub-issue: Information belongs to someone else

My Equifax credit report have an account listed that are not mine. I disputed the accounts as " not mine '' but it recently came back as verified.. I have never had an account with these companies..Please delete immediately before further harm is done.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is
Complaint sub-issue: Was not notified of investigation status or results

I have reached out to the credit bureau and I am yet to hear from them, it has been over 30 days and no response, these are inaccurate and should not be on m report.
Complaint sub-issue: Debt is not mine

One Main Financial has been calling our office XXXX times a day for several weeks trying to contact one of our employees. This particular employee is not located at our office. They have been rude, threatening and said they were sending the police and their lawyers after us. I have told them politely on numerous occasions I will not give them any personal information regarding our employees. This is an employee personal matter and has nothing to do with our company. They have pushed my patience and I have been insistent they stop the disruptive, harassing calls yet hey do not.
Complaint sub-issue: Didn't receive terms that were advertised

XX/XX/XXXX I opened accts. with Citibank responding to promotion that offered {$700.00} bonus for opening with {$50000.00}. I opened these accts. in person with XXXX XXXX, Personal Banker at Citibank XXXX XXXXXXXX XXXX, NY XXXX to be sure it was done correctly. We discussed what bonus I was interested in. Then I funded the accts. with online transfers. 
On XXXX XXXX, XXXX XXXX XXXX emailed me to tell me the funds had cleared and the required 60 days on deposit would make it XXXX XXXX, XXXX when I was free to take my money out, retaining only {$1.00} in acct. until bonus was received. 
On XXXX XXXX, XXXX he again emailed me to remind me everything was now clear and I could take my money out, again reminding me about the {$1.00}. 
With my XXXX Citibank statement I noted that only a {$300.00} bonus had been paid, and brought it to the attention of both XXXX XXXX, by email, and XXXX XXXX, another Personal Banker, in person. Subsequently it was also brought to the attention of XXXX XXXX, Branch Mgr. and ultimately I received a letter from Citibank saying I had not qualified for the {$700.00} because I had not maintained {$50000.00} for 60 days.
Complaint sub-issue: Problem using a debit or ATM card

I have disputed a charge of {$1400.00} with Citibank for merchant XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ) using Citibanks XXXX XXXX. Informed bank that I did not entirely receive what I ordered and merchant has blocked my number/avoids contact. 



There have been 3 reviews, and Im not sure what was done differently in any case, but after providing information once, it appears they just took the merchants side without further asking question ( at least to me ). 



Case opener XX/XX/XXXX. Transaction occurred XX/XX/XXXX. 



I have other disputes on my credit with Citibank involving this same merchant. I dont understand why some charges have been reversed while others not, for the same matter. 



When I inquire multiple individuals from Citi customer service and dispute center on XX/XX/XXXX asking why some disputes were reversed and some declined, my calls ended dropped. There is no way in returning to the point where we last left off without explaining it all over with someone new. I truly feel the matter is being ignored and not addressed appropriately. This is the case every time I follow up, but I never get a call back. 

I am unsure whether to report this as checking or credit account since it involves both for the same merchant and financial institution, but for different transactions/matters.
Complaint sub-issue: Public record information inaccurate

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX
Complaint sub-issue: Investigation took more than 30 days

I belive there is some fraudulent updates on my credit report on EQUIFAX part. 

On XX/XX/XXXX I sent a dispute a investigation for XXXX changes They received the letter on XX/XX/XXXX The sent me a verification email of starting the dispute on XX/XX/XXXX On XX/XX/XXXX I received an update on all XXXX changes. 
IF I FELT LIKE THERE WAS AN ACTUAL UPDATE I WOULD ACCEPT THAT HOW EVER I DONT BELIVE THEY ACTUALLY REACHED OUT TO THE CREDITORS IN TIME > HERES AN EXAMPLE Via XXXX XXXX it said my missed payments were removed. 
Not one missed payment was removed OR Inquiry. OUT OF XXXX. 
I called 2 of the creditors. THey said they did not receive a dispute from EQ. 
I looked in to the information that was updated. 

One account was XXXX XXXX XXXX contacted them. They said thier last update was XX/XX/2020 HOWEVER THE EQUIFAX update shows and validates : I owe {$22000.00} And I STILL have 2 lates. 

Heres the thing i have proof that as of XX/XX/XXXX I owed XXXX XXXX HOWEVER as of XX/XX/XXXX XXXX XXXX LAST UPDATE I owed XXXX XXXX. EVEN ON XX/XX/XXXX I OWED XXXX XXXX. 

EQ never has current information. SO it looks like they updated their last report on file and called it validated. 
But as I said After a talk with XXXX XXXX they said their last 3 bearu update was sent out XX/XX/XXXX and they did not get an dispute via Equifax. 

So I dug deeper, I called some of the creditors i have inquiry disputes with and they didnt receive any disputes for EQ as well.. 

I also looked in to the date EQ claims some of the information was validated looks like 90 % the creditors called the same day. Which is strange. 
But even still if that were the case their fake investigation updates trying to beat the 30 clock was still off by 3 days. 
They received the certified letter disputing information on the credit report on XX/XX/XXXX.
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 right to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXXXXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX  Account Number # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 reports by more then seven years.
Complaint sub-issue: Their investigation did not fix an error on your report

I have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies XXXX, XXXX, and Equifax this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Here is my story : On XX/XX/2022 I found that Equifax decided to keep information my credit file illegally. I have researched the laws that protect me as a consumer against these predators called credit reporting agencies. I have outlined the accounts that will be removed from my credit file. The constant non-compliance from this non government backed agency whom I did not give permission to distrubt my credit file is damaging to my character, reputation, and holding me back from consumer transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the above are the accounts that i found the agency to be be in violation of reporting fotr me personally. 

Upon researching congress website I found Equifax to be in violation of the following violations of The Fair Credit Reporting Act more specifically these law pertaining specifically to my personal credit profile.

15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As Equifax can see on my credit report they are not being compliant and are not respecting my right as a consumer. The law clearly defines what a consumer report should and should not have. Why are these companies and the information regarding an extension credit and credit transaction showing not only on my credit file but to other lenders as well? that is also an invasion of my privacy. I am not sure the Equifax agent who has been responsible for maintain my credit file but it is suggested that the due diligence be done to research and understand the laws and federal regulations your company is required to follow. 

To further explain, Under the Truth in Lending Act 15 USC 1602g, credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

As you are in violation, the accounts will be removed from my credit report effective immediately. In the event that you continue your non-compliance and continue to report these accounts on my credit file against the clear civil federal laws, I will make it my personal duty as a consumer to pursue further action at the federal level. After you deletion, I expect an updated copy of my credit report uploaded as a response to my CFPB complaint.
Complaint sub-issue: Reporting company used your report improperly

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave XXXX permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.
Complaint sub-issue: Debt resulted from identity theft

In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant because I have not applied for any loan ; education/student loans or financial assistance to return to school since 2009. 
Please see the attached affidavit pertaining to the ongoing report.
Complaint sub-issue: Reporting company used your report improperly

I sent letters of on XX/XX/2002. My tracking numbers from XXXX are XXXX # XXXX, Equifax # XXXX, and XXXX # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # 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: Fee problem

My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred, until they already take the money out of the account. 

Basically PNC is charging me for viewing images of checks. That is fine in principle. But the problem is that the consumer has no idea of what they are getting charged in total. There is absolutely no notice that tells the consumer how much charges they have incurred. The notice only indicates in a general way that fees will apply. 

For the last two months they have taken the following amounts out of my account : XX/XX/2018 SERVICE CHARGE {$350.00} XX/XX/2018 SERVICE CHARGE {$400.00} Yes that is right {$400.00} per month to see images of checks. Absolutely crazy. 

I complained with them and they did reimburse {$150.00} XX/XX/2018 SERVICE CHARGE ADJUSTMEN {$150.00} But then I got charged again on XXXX. This is absolutely unsustainable for me. 

No business can ever afford to pay that to see images of their checks. Some banks actually allow that as a free service. 

My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred. 

This is why it is such a shock to see {$400.00} taken directly out of the account for two consecutive months. 

For this I demand a full refund of {$610.00}.
Complaint sub-issue: Information belongs to someone else

cra violation sent po report and ftc inaccurate information coming back under another name violation of my rights
Complaint sub-issue: Reporting company used your report improperly

Pursuant to title 15 usc 1681b, and pursuant to title 15 usc chapter 94. My consumer rights has been violated
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$3500.00} Comments - Payment History XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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: Reporting company used your report improperly

I recently signed a lease for renting an apartment on XX/XX/XXXX at The XXXX at XXXX, XXXX, Florida-33177. The leasing office with the help of " XXXX '' - a screening software provider to the rental real estate industry, requested duplicate Hard-inquiries on my credit for the same report. I called the apartment leasing office, XXXX, and Equifax, but none of the three offices acknowledged that they made the mistake. I also requested them to help me to remove one duplicate report from my credit history. 

It mostly the Equifax which is the agency run by some novice people. I spoke to a customer service agent and she kept asking questions one after another ( more 10 questions ) including how much balance available on my different account to just verify my identification. I feel that this just a violation of my personal information and abuse their power. At the end she even could not verify my identity and help me at all, just wasted my time.