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

I work for a public employer ( XXXX XXXX   XXXX  ) and am enrolled in the Public Service Loan Forgiveness program. I submitted documentation to XXXX XXXX  on XX/XX/XXXX ( an Employment Certification Form ) showing 95 months of qualifying employment. These months have not been credited. I have called multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) attempting for find out why this extensive amount of employment has not been credited. Each time I was told it was " in processing '', " under review '', etc. Basically, the runaround. I have also submitted documentation for an additional 11 months. 

Because they refuse to review the documentation submitted per their requirements on XX/XX/XXXX, I am unable to get relief. I am now approaching 120 months of qualified employment and should be eligible for relief under this program. 

I would like for them to review the employment certification submitted on XXXX/XXXX and credit me for those months of qualified employment.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Report and needs to delete immediately : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

Multiple accounts listed by XXXX Equifax and XXXX XXXX regarding XXXX XXXX XXXX XXXX. That account was part of a line of credit. XXXX  foreclosure. I have asked them to remove and they took revenge and duplicated it on my wife XXXX XXXX and my ( XXXX XXXX ) credit reports. Thier is also multiple hard inquries which i asked to be removed or provode proof of signature on an application. XXXX have failed to remove or assist.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX charged me for some device ( a medem I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, XXXX continues rating my credit at XXXX, Equifax XXXX and XXXX XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.
Complaint sub-issue: Account status incorrect

I opened a credit builder loan with XXXX XXXX Bank in XXXX of XXXX. My payments were set up to come out of my bank account by ACH. My account was being reported as accurate until I received notification from XXXX XXXX on XX/XX/XXXX that I had missed a {$10.00} payment. XXXX does not provide a phone number to contact them with an issue or question. Everything is directed through their email. I emailed them about the missed payment as I had not been notified. They claimed that they had emailed and texted me as my first payment had not processed yet they reported that it was on time to the credit reporting agencies. At that point I decided to close my account due to failure to report and inaccurate reporting of information. I received {$30.00} of my payments as the credit builder account doesnt provide any monies upfront therefore I did not owe any money for the loan as I had not received anything. I discovered that XXXX had not closed my account as requested and is still reporting the balance of the loan as {$410.00} when it should be zero. Again, I received no part of the actual loan monies. They have also reported the one late payment as different months for all three of the credit reporting agencies. XXXX had reported the late payment for XXXX and XX/XX/XXXX and currently as XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I have all of my email communications to prove their response to their inaccurate reporting and I provided them with my credit report showing it is still reported as being open in XX/XX/XXXX. I have disputed this account 3-4 times with every credit reporting company yet XXXX continues to state the information is accurate. This is harming my credit as it brings up my credit utilization percentage and dropped my credit score based on their failure to notify me about a potential ACH issue with my bank. I have considered hiring an attorney to sue this company as I am not getting any resolution from XXXX.
Complaint sub-issue: Investigation took more than 30 days

- FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Complaint sub-issue: Information belongs to someone else

I sent a debt validation letter to Erc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, its been 40 days since they received my letter & I have not received a response in reguards to my validation request. I want this debt deleted from my credit reports as a final resolution due to noncompliance
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I purchased a vehicle from merchant XXXX of Downtown LA. I have not physically been on the premises since at least XX/XX/XXXX, and only to service the vehicle. 

On XX/XX/XXXX, a " hard inquiry '' on my credit was placed by this merchant without my authorization. Upon contacting the merchant, who gave me the run-around for 6 months, the best that they can tell me is that this inquiry was placed due to a " computer glitch. '' The merchant stopped taking my phone calls, so I had to physically go to the merchant 's location and angrily compel them into producing for me a letter admitting that I did not apply for credit there or authorize a credit inquiry into my account from that location at the time in question. 

I submitted the letter from the merchant to Equifax with my dispute of this " hard pull '' on my report. Equifax denied my dispute, and responded that I will need to have the merchant contact them directly. The problem is, the merchant does not care. I literally did nothing, the merchant took adverse actions against my ( with or without intent ), and now Equifax wants me to somehow force this same merchant who hurt me, to call them directly and help me. 

I explained to Equifax that the merchant has been unhelpful, and that it made no sense that their process allows me no possible way to remove improper inquiries from my credit report without the assistance of the merchant who made the improper inquiry in the first place. 

This is ... ..wrong. Please help. 

Please note that in the letter from the XXXX dealership which I've attached, they made a typo, stating " XX/XX/XXXX '' instead of " XX/XX/XXXX '' - the latter being the correct date. There was only one inquiry from this merchant around the time in question, so the mistake is clear.
Complaint sub-issue: Account information incorrect

Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX Account number: XXXXCredit Card Issuer:XXXXXXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX
Complaint sub-issue: Account information incorrect

I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX XXXXXXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( XXXX ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX.* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.
Complaint sub-issue: You never received your bill or did not know a payment was due

XXXX XXXX was transferred to Elan Financial as the new servicer in 2019 at that time I wasn't able to make anymore payments because I never received the new card to be able to login to their portal. I called XXXX to make payments they told me to contact Elan Financial and when I would Elan would tell me they don't have my account yet and unable to make payment. I also had Reward points which amounted to over {$340.00} and was suppose to be applied to my account balance at the time which was roughly {$830.00}. Now Elan Financial has the account ending XXXX as a charge off with balance due of {$1000.00}.
Complaint sub-issue: Received bad information about your loan

XXXX I received a letter from XXXX stating that I should expect to receive a PSLF tracking statement sometime after 90 days. 
XXXX I had not received my tracking statement. I called XXXX to ask about it and was told I should get it within the month. 
XXXX I had not received my tracking statement. I called XXXX was told that I should expect it in 5 months. I was verbally told that 44 of my payments would qualify for PSLF and that there were 24 payments that XXXX wasn't sure about. I was concerned about the 24 uncertain payments, but without my tracking statement, it was hard to have a discussion about them. 
XXXX I had not received my tracking statement. I called XXXX and was told that I should receive it in 10 days. 
XXXX I had not received my tracking statement. I called XXXX was told that my statement was still being processed and that XXXX could provide no timeline for completing it. I was verbally told that at least 5 of my payments would not count because they were in " paid ahead status '' and that they would need to be " manually reviewed '' taking 6 months to a year. I had never heard of paid ahead status and was deeply concerned and confused. 
XXXX After doing some research about paid ahead status, I called XXXX back. I was verbally given even more confusing information about which payments do and do not count toward my PSLF due to paid ahead status. I requested that all of the previous paid ahead statuses be fixed ( I knew I had never under-paid ). I was told that no future payments would be marked as paid ahead and that the previous payments would be fixed by XX/XX/XXXX. I again requested my PSLF tracking statement. I was told I could expect to receive it in 7-10 business days. 
XXXX I went to pay my loans and discovered that I had again been put in paid ahead status. 
XXXX I called XXXX. I was again told that paid ahead status would be permanently removed from future payments and that all previous paid ahead payments would be fixed. 
XXXX I have not received my PSLF tracking statement. I have not received any notice that previous paid ahead status payments have been fixed. Frustrated by my inability to get results from XXXX, I am submitting a CFPB complaint.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX is on my credit as a charge off has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions My name XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX )
Complaint sub-issue: Information belongs to someone else

I requested METHOD OF VALIDATION from Equifax, XXXX, XXXX for the following accounts and never received the requested information only automated VERIFICATION from an e-Oscar system. 

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 Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to  determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX/DSNB. The Account Opened is XXXX/DSNB Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$410.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize or apply for new lines of credit with either XXXX or Citibank. There should not have been hard credit card inquiries from either service.
Complaint sub-issue: Other problem getting your report or credit score

This company refuse to give me a credit report and update my information Someone also got a copy of my credit report without my permission They refuse to update my credit scores
Complaint sub-issue: Account information incorrect

Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX.
Account went from OK XXXX-XXXX, LATEXX/XX/XXXX, CHARGED OFFXX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
Complaint sub-issue: Information is missing that should be on the report

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports which states that : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX did not give Equifax any written consent to report on my consumer report. 

I sent Equifax a dispute letter stating that United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  of Arkansas does not provide information to any credit reporting agency. 
I have the letters enclosed in this complaint. Equifax is currently still reporting this inaccurate information on my consumer report.
Complaint sub-issue: Personal information incorrect

Im filing a complaint against Equifax about the information being reported on my credit file. 

I reviewed a copy of my credit report and XXXXXX/XX/XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I have asked Equifax to Please contact XX/XX/XXXX and XXXX XXXX to investigate such an occurrence. 

I have requested four written updated copy of my credit report, which should be sent to the address listed. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Also, as part of their investigation, I asked Equifax to please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

I have told them several times My name is : XXXX XXXX XXXX NOT XXXX XXXX XXXX and have asked several times to remove it. ( REMOVE IMMEDIATELY ) Equifax Also has known as XXXX XXXX XXXX and XXXX XXXX XXXX I have asked several times to Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Addresses Reported : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX GA XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX XXXX XX/XX/XXXX GA XXXX ( REMOVE IMMEDIATELY ) I have asked several times to update My Current Employer is XX/XX/XXXX ( since XXXX XXXX and please update my file to reflect my current employer.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Both XXXX and equifax are reporting unverified misleading untruthful and unfair information on my credit reports. They are placing 2 XXXX student loan accounts as verified when in fact they are not. XXXX  removed both accounts for these very reasons that I am disputing they dont it have the necessary documentation to verify my commitment or agreement to this debt between me and the original creditor. They also do not have a valid signed original contract giving permission to sell assign release or in any form of transfer of any debt to XXXX. I dont owe this company because I dont know this company if XXXX removed this debt the fcra fdcpa both state that all debts must be 100 % accurate and complete. Also I do not owe this debt I have no knowledge of this debt at all. Also if you look at the payment history on equifax they have several no information remarks on months of payment which also makes this debt incomplete these accounts must be removed immediately
Complaint sub-issue: Information belongs to someone else

I am writing in regards with credit inquiries on my credit report, I do not validate these and never authorized.