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

I HAVE REACHED OUT TO EQUIFAX FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED XXXX INACCURATE ACCOUNTS TO EQUIFAX. THOSE ACCOUNTS ARE EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EQUIFAX HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( XXXX ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EQUIFAX AS WELL. If EQUIFAX OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.
Complaint sub-issue: Can't decrease my monthly payments

My student loans are currently consolidated with Fedloan Servicing. I am under an income contingent repayment plan because I qualify for the Public Service Loan Forgiveness program since I am a XXXX. I have been making my payments on time, but under the last annual re-evaluation my payment more than doubled, causing financial stress in my budget. When I called to ask why, I was told it was because my loan had previously been calculated incorrectly, since the parent plus loans included in my consolidation did not qualify for the lower payment plan. Whether this is true or not, I made the decision to use the PSLF program because I could afford the payments I was given under the consolidation plan I was told at the time to use. I did not lie to anyone, but I went on the advice I was given at the time by the loan servicer. I feel like I am being financially stressed due to a mistake that was not my fault. I may have made different decisions 5 years ago had this information been given to me at the time. Is it OK for the servicer to raise my payment by more than double because the error was not caught? I am beyond frustrated.
Complaint sub-issue: Information belongs to someone else

I have previously disputed with XXXX, XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Hard Inquiries List Below : XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a dispute to Equifax on XX/XX/XXXX regarding XXXX XXXX XXXX reporting 2 items on my credit report. 1 report from XXXX was removed and the other is still listed for {$62.00}. I submitted information to Equifax as proof that the XXXX circuit US District Court ordered XXXX XXXX ( which is also a Lawfirm XXXX XXXX XXXX XXXX XXXX ) to remove items from consumers reports based on various class action lawsuits filed for violations of the FTC & FDCPA. Sect 791. F.3d 1291 ( XXXX vs XXXX XXXX XXXX ) since XXXX and additional Case # 's XXXX, case # XXXX, case XXXX. The US District Court ruled positive that XXXX committed these violations and have since fined them and ordered them to remove items from consumers credit reports. 

As of today, XX/XX/XXXX, the most recent communication I received from Equifax was that they were sending a letter to XXXX to validate the {$62.00} debt and would notify me within 30 days of their response. Equifax should not be doing that!!!!!
Complaint sub-issue: Information belongs to someone else

XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Greensky made into his XXXX, XXXX  and XXXX   credit reports, created XX/XX/2018. An account was established using his information without his consent. An official dispute of this account was mailed to Greensky however stated the information used to hold Mr. XXXX liable for this account was an address that matched the address we provided for dispute and a phone number. A police report was provided as well as FTC fraud affidavit. My client has also had a fraudulent account established with XXXX in the amount of {$5300.00}.
Complaint sub-issue: Frequent or repeated calls

Loan Insurance Fee Scams ( XXXX ) Companies : Financial CorporationInstant Phone Cash XXXX XXXX XXXXE-Loan IncXXXX XXXX : 25 times per day per phone lineNotes : automatic recorded voice messageFunding : XXXXLocation : XXXX XXXX XXXX service : rude and request bank account informationRequest debt not owedNever sent funds for {$23000.00} {$10000.00} {$3000.00} {$4000.00} $ XXXX XXXX XXXX XXXX XXXXDebt : $ XXXX/monthTerm : 36 monthsRequest bank account informationXX/XX/2015 XX/XX/2015Company phone numbers : Representative : XXXX XXXX Email addressDown payment on loan : {$730.00} up frontEmployer : XXXXConfirmation : XXXXDirect Contact number : XXXXXXXX XXXXconfirmation number : XXXXContact number : XXXXDebt : $ XXXX/monthTerm : 22 monthsXX/XX/2015 XXXXRepresentative : XXXXDirect lendingLoan : $ XXXXDebt : $ XXXX/monthRefundable loan insurance : {$150.00} up frontXX/XX/2015 XXXXReported Companies Telephone Numbers To CFPB Via XXXX XXXX ( XXXX ) XXXXunknown/privateFri XXXX/XXXX/2015 XXXX XXXXELOAN XXXX XXXXXXXXXXXX XXXX HELLO, YOU ARE APPROVED FOR A LONG TERM PERSONAL LOAN. 
MINIMUM {$5000.00} AND MAXIMUM {$25000.00}. 
YOU DO N'T HAVE TO PAY ANYTHING TO GET THE LOAN. 
YOU NEED TO HAVE A PROPER BANKING CHECK-IN/BUSINESS ACCOUNT. 
YOU NEED TO HAVE ONLINE BANKING FACILITYYOU NEED TO PROVIDE XXXX COPY OF IDENTITY PROOF AND XXXX PASSPORT SIZE PHOTOS. 
YOU NEED TO REFER LOAN APPROVAL PAPERS CAREFULLY. 
YOU NEED TO PROVIDE US AN ELECTRONIC SIGNATURE. 
WE DO N'T WORK WITH PREPAID ACCOUNTSIF YOU ARE REALLY IN NEED OF QUICK LOAN AND YOU ARE SERIOUS ABOUT THIS LOAN APPROVAL THEN PLEASE CONTACT ( XXXX ) XXXX, XXXX XXXX XXXXE-LOAN INCUNITED STATES
Complaint sub-issue: Account status incorrect

I contacted XXXX XXXX XXXX the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX in the medical field and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). 
At that time, XXXXXXXX XXXX placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 
When I noticed the late payments on my credit report, I sent a letter to XXXX XXXX  asking them to remove the inaccurate 30 day late payments from all XXXX credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active. 

As published in the XXXX XXXX for publication the notice stated that the national emergency declared in Proclamation 9994 of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease XXXX ( XXXX ) pandemic and to continue in effect beyond XX/XX/XXXX. 

It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement. 

( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.
Complaint sub-issue: Right to dispute notice not received

I discovered this just listed on my credit report within the past 30 days. I have received no notification, no mail, from Enhanced Recovery about this alleged debt. They simply out it on my credit report without notifying me of my legal rights.
Complaint sub-issue: Their investigation did not fix an error on your report

An XXXX Credit Card or ( XXXX XXXX XXXX ) customer service representative suprevisor told me over the phone that XXXX ( XXXX XXXX XXXX ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of XXXX Credit card ( XXXX XXXX XXXX ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and XXXX Credit Card ( XXXX XXXX XXXX ) but to no avail.
Complaint sub-issue: Attempted to collect wrong amount

I spoke with the company General Revenue Corporation in XXXX of 2018 and they advised me that if I paid off my debt in full they would remove the mark from my credit score. Now 2 years later I apply for a mortgage and discover the collection is still listed on my credit report. I attempted to call the company to give them a chance to remove it assuming it was a mistake, and they inform me its company policy for them to never remove from a credit report. This contradicts the deal that we agreed on when I originally agreed to make the payment. The manager acknowledged they do have the ability to remove, but due to their company policy they will not do so. I would caution all those who are being contacted by General Revenue Corporation to be wary of payments back to the company as they will tell you they will remove from your credit report, but will not do it.
Complaint sub-issue: Investigation took more than 30 days

I recently noticed some mistakes in my credit report. On XX/XX/2021 I mailed dispute letters to all three credit bureaus ( XXXX, Equifax, and XXXX ) asking them to investigate and verify two negative collections accounts ( XXXXXXXX XXXX XXXX XXXX  ). Two weeks later, on XX/XX/2021 I mailed a second letter in because I noticed some unauthorized inquiries on my account also. Not only did they not respond within the 30 day period for the disputes I sent on XX/XX/2021 when I finally received results from the credit bureaus on XX/XX/2021 the accounts came back as verified after I included all the inaccuracies the collection companies were reporting between the three bureaus. I was not satisfied with their investigation, so I contacted the collections agencies asking them to validate that the debt belongs to me. Neither the credit bureaus nor the collection agencies provided me with verifiable proof and signatures to show that the accounts belong to me. They have ignored my disputes and failed to provide me with the proper paperwork to show ownership. These derogatory accounts have caused me tremendous hardship in accessing credit, loans, and employment opportunities in a time when it's already hard enough with what's going on.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX A LATE PAYMENT on XXXX XXXX # XXXX 15U.S.C 1681 section 602 A states, I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, it also states, A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Banking errors

On XX/XX/2019, US Bank made an erroneous debit of {$290.00} to my checking account. This made my account go negative. On XX/XX/2019, US Bank  issued a check for the same amount of {$290.00} to me. On XX/XX/2019, US Bank closed my checking account with the negative balance caused by their mistake, and placed it with a collection agency. 
I have spoken with my main branch, cardmember services, recovery, and customer service on multiple occasions. On each call, or visit, I have been transferred to multiple departments without the situation being resolved. 

I never asked to have my checking account closed. I have not cashed the check they sent to me. After they closed my account, I was unable to use my online banking. The notice US Bank sent me stated that there was a withdrawal of {$290.00}, but did not provide any details as to who initiated the transaction. I only learned that US Bank made the debit, after visiting my local branch, but the teller did not know why. 

I have never received a thorough explanation of what happened, and now my credit is being damaged due to the actions of US Bank. My checking account had a positive balance, and by overdrawing my account, US Bank has stolen from me, and caused incorrect information to be added to credit report. This situation is still unresolved.
Complaint sub-issue: Their investigation did not fix an error on your report

I had these inquiries removed from XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX all of these were not authorized and therefore had to be removed. Now, Equifax didn't remove any and said they were are factual. Equifax, I believe didn't do any kind of an investigation, If so, they would have seen that these accounts had already been removed by XXXX. To add to that, XXXX been removed these accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$670.00}
Complaint sub-issue: Account information incorrect

I paid my Rise account in full on XX/XX/2018. I've since contacted the company numerous times as the loan is still showing as open and active on my credit report. I have yet to receive a response.

In addition, the account has not been reported to the credit union as current in XX/XX/XXXX or XX/XX/2018.

It reported in XX/XX/XXXX and XX/XX/XXXX, but stopped thereafter.

This account should be updated to reflect on time payments in XX/XX/XXXX and XX/XX/XXXX, and should also reflect paid-in-full and closed.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding an accurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Account information incorrect

I have tried to have XXXX credit agencies to report accurate information over the last 4 to 5 times. I have sent in formation to show that they aren't reporting accurate information. They explain to me that they either didn't not receive my information or the following account came back verified. The information I sent was by mail, online, and by phone. I request the following information to be deleted due to the inaccuracy of reporting with a copy of the original document from the original source. I have gotten hung up on for trying to have them report my information correctly. I have sent several document to both credit agencies to have these things updated or delete several accounts. 

Both of these credit agencies have violated section 15 USC 1681b, and the right to fair credit reporting by respectfully verify with accuracy and investigate with the creditor.

I respectfully requested to be provided proof of the alleged item, specifically the contract, note or other instrument bearing my signature I have requested even for permissible purpose or proof that I applied or initiated these inquiries and as well remove the following inquiries that didn't have my permission, plus I gave them the list of following inquiries They continue to report the many negative things on my credit with no validation, without my acknowledgement and consent
Complaint sub-issue: Didn't receive enough information to verify debt

I've written several letters to EOS CCA LLC and requested documentation and asking why they are reporting on my credit. they have sent me nothing in the mail but continue to harass me at work and on my cell phone! Please help me!
Complaint sub-issue: Investigation took more than 30 days

I submitted disputes to Equifax, XXXX, and XXXX via mail on XX/XX/2020. 30 days later I received no response so I sent them all my disputes again. We are now toward the end of XXXX and its been almost 45 days and nothing. Not a letter, not an update- nothing. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Complaint sub-issue: Account information incorrect

This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount.

Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time.

XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 i sent a letters 30 days ago with inaccuracies on my credit report and i have yet to receive a reply back. I have done my own research and i know that they have 30 days to investigate and reply. I feel taken advantage of by the credit bureaus because they are ignoring my disputes.
Complaint sub-issue: Account information incorrect

I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in 2016 for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending in numerous complaints because the credit bureaus are violating our rights as consumers. They are damaging our credit by updating things and doing what they want to do. There are numerous student loans on my report with inaccurate information. I sent in a letter, which I will attach, advising them of this and asked them to deleted the incorrect information. Instead, they responded they updated the account and the information is still totally wrong. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they are suppose delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). This is a total violation of the FCRA and I am reporting this to the States Attorney office as well.