Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

In XXXX, my husband co-signed on a XXXX  loan from XXXX for his, then at the time, XXXX XXXXXXXX granddaughter with no credit history, to continue attending a university for her XXXX degree. The terms he agreed to for the loan at the time stated that he may be released from the loan responsibilities once he ensured the XXXX  made the first XXXX payments. The XXXX  did make XXXX payments on this loan before deciding to go back to school for XXXX  XXXX XXXX XXXX and putting loans back into forbearance status in XXXX. During this time XXXX XXXX XXXX to release my husband from his co-signing responsibilities and remove the loans from his XXXX XXXX. However, during this time period XXXX apparently sold off many loans and several companies began calling us for payments all of which stated they bought the loan from XXXX. During this time I passed all the information along to my Granddaughter who resumed making payments and currently still making them. She is who is responsible for making the payments on the loan since we were to be released from it in XXXX by XXXX XXXX For years, both Discover  and XXXX have been calling and harassing me and my husband for payment and loan information despite the fact that we are no longer responsible and should have been removed from due to upholding our original obligations for the XXXX  to make the first 24 months of payments from XXXX. Now, in XXXX as I am trying to get a home improvement loan to cover the cost of an accident I have been denied due to Discover still having my husbands name tied to a student loan for my granddaughter. Each time I try to contact Discover to resolve the issue they refuse to accept that we have full-filled our responsibilities and only try to get us to make a payment. I have sent multiple documents to a representative at Discover with our original agreement with XXXX and payment statements. Each time I speak with a representative at Discover they claim that they have not received the documents. My husband is now XXXX XXXX XXXX, retired, and on a fixed income. We can not get our home fixed because this issue is not being resolved in a clear and timely manner.
Complaint sub-issue: Trouble with how payments are being handled

I had previously opened a complaint about this with Complaint ID : XXXX, however it has still never been fully resolved. 

I consolidated my federal student loans in summer of XXXX and was originally with XXXX XXXX using Income base repayment. My loan payments then switched to XXXX with IBR and now my loans are with FedLoan Servicing with IBR as of XXXX. I am trying to get a correct count on the payments that are eligible towards the Public Service Loan Forgiveness. I have submitted paperwork for the time I was employed from XXXX, all of which are eligible for PSLF. However, FedLoans is not counting all of the prior payments under XXXX or XXXX XXXX. I need help in having FedLoans acknowledge my prior payments as PSLF eligible. I have records of my payments with XXXX. However, I did not print out hardcopies or save files of my payments from XXXX and now I can no longer access their website. 

Per Fedloans, they are note accepting any of my payments from XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX, due to their interpretation of the payments being " not timely. '' Per their response, a payment must be received no earlier than 30 days prior to the due date and no later than 15 days after the due date in order to qualify for the PSLF program. However, during this time, the payment due was {$0.00}. Therefore, I should receive credit for these months of payment. 

I would like to obtain a month by month account of what was due and what was paid, in order to understand fully how FedLoans is  calculating my payments counting towards PSLF. 

Any and all help would be greatly appreciated. 

Thank you.
Complaint sub-issue: Reporting company used your report improperly

I have contacted all 3 buereas about a hard inquiry that was not authorized by me " XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX florida XXXX XXXX as well as a collection of {$1000.00} from " XXXX XXXX XXXX '' I am unaware of the collection this was not authorized by me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX tn, XXXX I asked that these things be removed from my report as of XX/XX/2022.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, i entered a consumer credit transaction with XXXX XXXX. The total amount of the transaction was for {$10000.00}. On XX/XX/XXXX, I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. On XX/XX/XXXX XXXX received a letter from me asking to validate the debt and produce legal documentation that I am obligated to pay this debt. Their response was a letter stating that they confirmed the transaction history and that the information was current and accurate. Moving forward to XX/XX/XXXX, I sent them two documents. One being a debt validation letter and a cease and desist. These documents were sent via XXXX  on XX/XX/XXXX and was delivered to the company on XX/XX/XXXX at XXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Complaint sub-issue: Debt is not yours

Jefferson capitol Systems keeps calling about a Debt. 
I do not owe them or any other debt that is not secured and current. XXXX XXXX XXXX

I have perfect Credit, yet this company keeps calling my Cell and wife 's Cell, both registered on the Do Not Call since XXXX
Complaint sub-issue: Information is incorrect

LexisNexis and XXXX are reporting false information that should be removed from my consumer report.
Complaint sub-issue: Deposits and withdrawals

In XXXX of 2021 I opened a Credit Karma spending and savings accounts ( with proceeds from a home sale ). Over the course of a month I deposited a total of XXXX into my savings account. On XXXX XXXX I withdrew XXXX ( earnest money for a new home ). When I tried to deposit additional money into Credit Karma on XXXX XXXX I was told my account was frozen. I emailed Credit Karma for assistance and was told my count was " under review ''. They requested a copy of my id and my bank statement. I sent my ID and expressed concern over sending my bank statement. Prior to doing so, I asked for an explanation as to why my acct was under review. I got no response. For the next XXXX weeks I called the only number I had for Credit Karma and was repeatedly told my account was under review ( no reason given ) and that the dept. that had the power to unlock it did not have a phone number and that I would have to wait for an email response. I got an email today ( XXXX XXXX ) stating my account is under a " risk review '' and it would be another XXXX business days for an update ( not resolution ). I need my money for a down payment on a house and having my money not accessible for a month seems unreasonable. The FDIC has agreed and suggested I reach out to CFPB. 

I have since read numerous complaints about the same thing on XXXX and social platforms. 

Credit Karma Case # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted each credit company to remove XXXX XXXX XXXX XXXX NY XXXX off my credit file and XXXX XXXX XXXX  XXXX XXXX ny XXXX. Some companies have removed others have not. Only XXXX XXXX XXXX XXXX XXXX NY XXXX should be on file and no other addresses. Hope to fix this up if not fixed already thank you.
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX XXXX/XXXX XXXX credit card # : XXXX is lost/stolen, and has fraudulent and unauthorized charges on the account. The following accounts are all fraudulent and dont belong to me : XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX. The following credit inquiries is fraudulent and dont belong to me : XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX.
Complaint sub-issue: Account information incorrect

On XX/XX/2020 US Dept of ED, increased my debt by {$1.00}. This somehow diminished my credit score with both XXXX and Equifax. There should be no activity on any student loan due to the CARES ACT 2020, this act suspended all payments and set interest rates at 0 %. so how does {$1.00} get added to my account during a pandemic? Retaliation is exactly what this is and violation of a Federal Act. All three companiies/Corporations should be ashamed of themselves, its so oblivious what they did. My FICO score dropped dramatically due to the {$1.00} add on to a closed accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

on XXXX XXXX XXXX I called Equifax to dispute a debt reported recently that was covered by my bankruptcy in XXXX XXXX. It shows the account open even though I paid it off. It also mentions my chapter XXXX bankruptcy even though it says I paid it off. I spent XXXX minutes and answered XXXX questions to verify my identity. After all of that which should have been more than sufficient, they asked me to fax them copies of my drivers license, passport, and copies of my pay stubs and my XXXX. This is unethical. I have submitted disputes with XXXX and XXXX and never before have I had such an invasion of my privacy. They only want the info to sell I already had verified m, y identity.
Complaint sub-issue: Problem with fees

Citibank solicited my application for their neew Simplicit Card which offers 21 months of 0 % APR on balance trqnsfers but did not disclose the 5 % initial fee charged to the account
Complaint sub-issue: Information belongs to someone else

There are many accounts open on my credit report, they use a different name because they provably didn't know my real name, They use XXXX, XXXX and other names my real name is XXXX XXXX and I was deployed in the XXXX service in XXXX, XXXX XXXX and XXXX XXXX I have my deployment orders all the data is incorrect please assist. I am in town for the next 2 months.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in  XXXX  in reg ards to this issue and have not heard back from  XXXX , Equifax and  XXXX . They are all dated for the year of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system of   XXXX   being breached. I even had to call to remove addresses that I 've never lived.
Complaint sub-issue: Debt was paid

I had a medical bill which was XXXX XXXX XXXX 's Hospital for {$1200.00}. XXXX XXXX 's gave me a 50 % discount if I paid it by XXXX XXXX XXXX, Which would make it {$640.00} so I went ahead and paid it. Then I got a bill from Global Receivables Solutions , Inc . I called them and told them it was already paid and they should contact XXXX XXXX XXXX Hospital about this, I also contacted XXXX XXXX 's and told them about Global Receivables. I have called over XXXX times about this mater to get it resolved, XXXX XXXX 's says I do n't owe anything but Global Receivables wo n't stop calling me I keep telling them they should contact XXXX 's but they get rude, the last time the man hung up on me.
Complaint sub-issue: Didn't receive enough information to verify debt

I.Q. Data International , Inc. 
XXXX XXXX XXXX XXXX, WA XXXX I received my certified letter requesting validation of the following accounts : RE : XXXX ( account number ) They are attempting to collect on these accounts. Although, they never responded. Under the Finance Code for my state, the debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. All debt collectors operating in this state must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. Georgia Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance XXXX XXXX information If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. 



As of XXXX XXXX, I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community. 

I've have sent 2 letter for debt of validation on XX/XX/2022 and XX/XX/2022 and still haven't received anything regarding to that account. 


If they delete the account and cease reporting to the bureaus, I will consider this matter resolved.
Complaint sub-issue: Trouble with how payments are being handled

FromXX/XX/XXXX untilXX/XX/XXXX this school loan from Great Lakes reported that I was late on my payments but I never knew anything about my student loans or anything but then they reported I was on time on XX/XX/XXXX when I still never got anything in reference to my student loans being due or anything what so ever. The school shut down that i was attending and I never got anything in reference to this student loan
Complaint sub-issue: Funds not received from closed account

I have requested to close my MangoXXXX ( XXXX XXXX XXXX ) account in XXXX. They said the check was mailed on XX/XX/XXXX. However, I still havent received my paper check of the balance ( {$6100.00} ). I have called them multiple times to try to solve the problem, but it still hasnt been resolved. The last time, the representative told me they have reissued a new check to me. However, there is no tracking number and no any status for this.
Complaint sub-issue: Received bad information about your loan

I submitted an application for loan forgiveness to XXXX on XX/XX/2022. I received notification from XXXX that I had made 120 Qualifying payments on XXXX/XXXX/2022. I have not received my loan forgiveness letter and now I am stuck between XXXX and MOHELA. XXXX says my loans have been transferred, but why because I was eligible to be forgiven? MOHELA says they don't have my information yet. I know many loan borrowers are in my same situation -- we have made 120 qualifying payments and are now stuck in XXXXMOHELA transfer purgatory with no end in sight. There has got to be a better way to deal with those of us in this situation. And even though XXXX and MOHELA both say that FSA makes the final decision about forgiveness, when I call FSA they say they can't see any of my information. Many of us have been working over 10 years trying to get the 120 payments and now that we have them, we are told to wait. This is very frustrating and disheartening. It is really impossible to move on with our lives until our loans are forgiveness. These are real people facing real hardships. Please help.
Complaint sub-issue: Account information incorrect

XXXX XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX  XXXX  XXXX Balance : {$690.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX Balance : {$260.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 
XXXX XXXX XXXX XXXX Balance : {$4500.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX : {$100.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

XXXX XXXX XXXX : {$420.00} - There should not be any outstanding medical bills as ALL bills are covered under my workers ' compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees & HIPAA authorization or Delete this account.
Complaint sub-issue: Information belongs to someone else

I have provided these companies with the documentation required to have accounts listed in the attached documentation, yet some accounts still remain. Ill, again, attach the documents designated to have the accounts reference removed in hopes they would this time follow the law and have it removed.
Complaint sub-issue: Transaction was not authorized

RIA Money Transfer took money out on a bank account that I authorize them to. That cause me an overdraft big time. I use their online app for 2 transactions sending money to my mom and sister on XX/XX/XXXX and XX/XX/XXXX. I authorized them to use my second bank account and went through instant verification and transaction went through no problem. But today I have seen that they are taking the money out on my first bank. I called them and asked what is going on and told them I specifically authorize the charge on my second bank and they insist that I did. And ask them to furnish me my authorization to use it but they only sent me receipt thats shows the last 4 digit of the bank account #. Which on my email receipt when I did that transaction it doesnt show which bank account. I know I dont have have balance on that bank that is why I did not use it but they go ahead and charge that account and that made me overdraft for the first time. And they are not willing to fix it.
Complaint sub-issue: Information is not mine

I logged in directly at their website to dispute an account on the XX/XX/XXXX last month. The account in question is an XXXX credit card in which I am an AUTHORIZED USER. I requested them to remove that item from my credit file, I am not liable for repayment because, again, I am just an authorized user. But today, I reviewed the result of their investigation and they are saying that they " verified '' that this account belongs to me. How could that happen? They are essentially perjuring themselves for saying that because obviously the account is not mine. They are causing me stress and damaging my credit file. I want this deleted TODAY.
Complaint sub-issue: Their investigation did not fix an error on your report

hi, i am very frustrated i have been trying to work with these bureaus to abide by the law but the refused to, The are reporting unverified & inaccurate accounts on consumers profile and leaving it there after consumers asked them for an investigation, the refuse to send me a the documents used to verify two accounts that i am not aware of.i sent my letters via certified mail its been almost 3 months i HAVE been ignored .I dispute two accounts that are reporting on my credit profile with the same company. THE LAW STATES THAT THE BUREAUS MUST REPORT TRUE BUT THEY ARE ALLOWING COMPANIES TO RUIN MY CREDITWORTHNIESS AND REFUSE TO INVESTIGATE TO DO THE RIGHT THING.

1 ) XXXX XXXX XXXX XXXX-I explained this was for a apartment complex i stayed in, i payed {$2000.00} to get out of my contract early because my mom had a XXXX so i moved in to help her, the manager told me it was fine long as i paid the {$2000.00} i could terminate the contract early after paying the fee i was allowed to move, months later without any word are notice from this company i looked at my report and found a collections .I wrote them via certify mail asking them how do i owe this debt they never replied, than i sent the bureaus a letter about this account because i dont owe this debt asking them to verify and they havent responded either.

I called the apartment complex and i spoke with An employee who explained to me the manager was no longer there because she had stolen several clients money & ran off, therefore my $ was stolen apparently by the manager the company didnt do a back round check on and hired .How am i responsible for this .this isnt fair the lady explained that the apartment complex is trying to build a case on her and that i wasnt the only one she had did this too .she instructed me to reach out to the bureaus because i dont owe this debt this isnt right for me to pay for the mistake of the apartment failure to higher decent people and do background checks because the lady told me that after researching her they found she had did this before at another apartment complex 2 ) XXXX XXXX XXXX XXXX- i have no clue what this 2nd account is with the same company theyre reporting the original creditor and the collection agency nor the bureaus responded
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX, my husband and I sent a letter to Equifax requesting that they investigate errors on our credit report. My husband received the results of his investigations in XXXX. Several more weeks have gone by, but I have yet to receive my investigation results from Equifax. I have called and written follow-up letters, but I still have n't received my updates.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Debt Reporting Act. 

XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my righs. 
XXXX XXXX account # XXXX has violated my rights XXXX XXXX account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX  XXXX  # XXXX has violated my rights 15 U.S, C 1682 Section 602 A. : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Also states : A consumer reporting agency can not furnish a aaccount without my written instruction.. 

15 U.S.C 1692e Section 8 : updating without showing disputed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed inaccurate accounts on my credit report. It's been months since I sent my first dispute in. The inaccurate information is still on my report.
Complaint sub-issue: Overcharged for something you did purchase with the card

I completed an online purchase at XXXX XXXX with their branded card. They use Citibank to issue and process their cards. I have been double billed and the online department the credit department are playing the blame game. They each tell me the other needs to correct the issue. Neither is correcting the error.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have received multiple phone calls for a debt collection pertaining to someone not related to me in any way, shape, or form. These calls come to my work phone number and I have called repeatedly informing them I am not the debtor in question