Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company XXXX determined that my car was a total lose and issued XXXX XXXX a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from XXXX XXXX ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. I also purchased GAP insurance and a warranty when I purchased the car which totaled 4000, which should take care of the difference. Credit acceptance is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am 60-90 days behind on payments and owe them 2000 ( the amount keeps rising so Im not for sure on amount ). This is the second time reporting XXXX XXXX  the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS, I am also sending a copy of the first dispute where all three credit bureaus refused to delete incorrect payment information.
Complaint sub-issue: Problem with customer service

On XX/XX/2022, I initiated a phone call to AES/PHEAA to inquire about payments being returned.

This was related to 2 separate emails I received about a payment being returned. My question about the emails was related to why there were 2 separate amounts that claimed it was returned, when I only paid using 1 amount.

The Agent " XXXX '' became hostile and aggressive and sounded like he hated his job and did not want to be there. His immediate tone was obvious based on this previous statement. He then berated me over the phone claiming that he doesn't " need me to tell him what his tone is '' and some other statements he made alluding to me offending him in some way. He then transferred me over to only who I can assume to be a supervisor " XXXX ''. I let XXXX know that I did not appreciate XXXX 's lack of courtesy, lack of professionalism, and his demeanor based on his tone. Simply asking questions of someone GETTING PAID TO ANSWER QUESTIONS does not call for any one of your employees to be rude or disrespectful to the caller. XXXX advised me that XXXX was going to " leave for the day '' because of the conversation. I let XXXX know that if XXXX leaves for the day because of how the phone call went, that he only has himself to blame because he made me feel horrible from the onset of the conversation. Does AES/PHEAA make a habit of allowing people with bad attitudes run the organization? Nearly every single time I call in, I get someone with a negative or bad attitude. This is exactly why I submitted a complaint about your employee morale from comments I found on Indeed.com. I have XXXX trust in AES/PHEAA, and to be perfectly honest, many people have lost it as well. If you can not even get people who get paid to handle calls to be held accountable for their mistakes and failures as employees, well, it is obvious why there are so many issues with your XXXX. I'm on the fence with whether or not I need to contact Law Enforcement. In the past and today, this is now multiple agents who I have no idea what their motives are. Because they became agitated with me, I do not feel at all comfortable with them having access to my personal information. For all I know they may try and secretly take my information and perhaps give it to bad people. This is a hypothetical. The payment that was returned will be covered on XX/XX/2022. I will call in to make the payment via phone on XX/XX/2022, so it WILL NOT BE over 30 days past due after XX/XX/2022. You can not report that it is past 30 days just because it takes your agency 2 days to process a payment. I don't care if you don't believe me either, I've had conversations with reputable attorneys who said that when Creditors misreport, they tread on thin ice, because Judges do not like companies who manipulate. Misreporting to the Credit Bureaus is immoral and against the law. 

How many states Sued AES/PHEAA now? It is more than 1, that's for sure. Why would all of these other states feel the need to XXXX if there wasn't something wrong occurring? 

Your agency is as bad and corrupt as the Biden Administration.
Complaint sub-issue: Didn't receive enough information to verify debt

I am currently in Chapter  XXXX  Bankruptcy repayment, so I am not required to make payments on my student loan. My loan is serviced by  Educational Credit Management Corporation  ( ecmc.org, ECMC ). I can, however, make voluntary repayments, which I have been doing for a number of months in order to avoid interested being capitalized back into the principal of my loan.     On the  ECMC  website, when you select to make a voluntary payment it tells you how much interest per day is due on your loan account.  One  can not decide to pay one loan or other, a single payment for your account with ECMC must be made. What is not made clear is that this amount is  PER  loan. This is very misleading and led to me not making the correct payment ; I was underpaying by 50 % when I thought I was paying the correct amount to avoid interest capitalization.      One  must look elsewhere on their website ( and really dig to find it ) in order to discover that the amount on the voluntary payment page - where most people are looking for this information so that they can make the right payment - is in fact PER loan, not a total amount for your entire account with ECMC.
Complaint sub-issue: Their investigation did not fix an error on your report

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments in the payment history. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received an alert about a hard and soft credit inquiry placed on all my credit reports on XX/XX/21 by XXXX XXXX XXXX, XXXX XXXX, XXXX, DE. XXXX. ( XXXX ) XXXX. I called all 3 credit reporting companies and was told to call XXXX, I called XXXX and they stated they could find no applications or accounts. The credit reporting agencies are telling me now I have to file a complaint with the FTC and you. they are refusing to remove the Hard inquiry which will effect my credit score.
Complaint sub-issue: Account status

I have hired credit repair agency to help remove inaccurate information on mycredit report. They have been notified and the only agency that has made adjustments to my report is XXXX. Equifax and XXXX has not complied with my request.
Complaint sub-issue: Was not notified of investigation status or results

I have sent many letters trying to get XXXX and Equifax to properly investigate and account witch was re inserted on my credit file. it was removed in XX/XX/XXXX and now it is back on my credit file with same company in XX/XX/XXXX. the exact same account for the exact same about the only difference is the account number changed. Old account number was. XXXX and the new reinserted number XXXX. I was not notified by the company XXXX nor the credit reporting bureaus informed me of this matter. I know that they have violated the FCRA and I have given both bureaus the opportunity to properly investigate this matter and resolve it but they still have not.
Complaint sub-issue: Account status

I dispute XXXX XXXX XXXX account it was purchase from XXXX account # XXXX credit report show last payment XXXX. XXXX XXXX XXXX claim last payment XXXX, in reality last payment was XXXX. Because more than 7 years from last activities XXXX and XXXX after investigation remove XXXX account # XXXX and XXXX XXXX XXXX account # XXXX from report. Equifax remove only XXXX but refuse to remove XXXX. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a bill from Best Buy for an unauthorized charge to renew the XXXX XXXX. I immediately contacted them. They assured me that I would be refunded the full amount of the charge. I then closed the account on XX/XX/21. I then get a notice from XXXX that I have a delinquint account. Best Buy for {$10.00}. I contact them and they informed me it was an interest charge on that item that I never purchased. They said they emailed me the bill which I never received. My credit score was XXXX. I worked very hard to get it there. XXXX dropped my score 75 points for this????? # 1 Don't you think I would have paid a {$10.00} bill? # 2 How can they drop my score 75 points over this? I filed a dispute with XXXX over this on XX/XX/21. I don't have any results of the dispute and my credit score is XXXX!!! This is so unfair!
Complaint sub-issue: Debt is not mine

This company keeps reporting on my credit file, I have disputed and called. This company does n't even have a social associated with this account. I have never had a XXXX cell phone, I need some help to resolve this issue
Complaint sub-issue: Reporting company used your report improperly

In Accordance With The fair Credit Reporting Act. The list of Accounts Below HasViolated My federallly Protected cosumer rights to privacy an confidentiality under 15 USC 1681 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 15 U.S.C 1681c sectiobn ( a ) ( 5 ) section states ; no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than the 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Complaint sub-issue: Trouble with how payments are being handled

Previous loan servicer ( XXXX ) processed income-based loan repayments for public service loan forgiveness at {$.00} less than qualifying amount for nearly 3 years. The repayments were on auto-pay. Now I am nearly 3 years behind schedule for loan forgiveness. I contacted my new servicer ( FedLoan ) and they took nearly a year to review my issue, but it was denied. I asked for another review several months ago and have not been updated yet.
Complaint sub-issue: Problem during payment process

I have a POA for  a Citi Bank  customer. I paid for  XXXX   XXXX   XXXX   XXXX   credit card using on-line bill payment from   XXXX    XXXX   XXXX  to  Citi Bank. Unfortunately, I had a typo in the amount of the check. I typed {$15000.00} rather than {$1500.00}. Citi Bank has been unwilling to return overpayment to me.
Complaint sub-issue: Old information reappears or never goes away

This was account has already been disputed with XXXX XXXX XXXX XXXX once before, and they refuse to correct their records. XXXX XXXX XXXX XXXX is alleging that I had an account with XXXX XXXX & that it became delinquent on XX/XX/2016. That is factually incorrect. XXXX XXXX is " re-aging '' this account to show that its more recent than it actually is, which allows them to continue to report it. I have asked them to provide proof that this account was indeed delinquent on the dates they claim.. I have asked them to return a copy of the final XXXX XXXX billing statement, and they refuse to do so. The negative mark is showing up on several credit bureau 's reports as well as with XXXX XXXX. I have perfect credit except for this negative mark and I want the CFPB to cite XXXX XXXX XXXX XXXX for their illegal practices and behaviors. This is a clear violation of the Fair Credit Reporting Act & /or Fair Debt Practices Act.
Complaint sub-issue: Information belongs to someone else

XXXX Equifax Failure to remove XXXX information from my credit report
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXXXXXX  ACCOUNT # XXXX 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: Information belongs to someone else

Please help me and resolve my problem. I was very sad when I saw unknown items in my credit report. These accounts are not mine. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. Please investigate them also because I would like to know the origins of those accounts.
Complaint sub-issue: Card opened as result of identity theft or fraud

This account was opened fraudulent. I reported to police department and I sent a copy of the report to all credit agencies. The account was removed and I received a letter indicating it didn't belong to me and I was not responsible. The account was placed back on XXXX.
Complaint sub-issue: Reporting company used your report improperly

I applied for credit back in 2020 an instead of XXXX or XXXX hard pulls I ended up with XXXX such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft someone stole my personal information to open fraudulent account. this is very stressful. I called the companies to report these account as fraud and i notice that these fraudulent Accounts is still showing on my credit report. I want these Account blocked from my credit
Complaint sub-issue: Debt is not mine

I spoke with a representative on XXXX/XXXX/2015 from EOS CCA she advised me that I was billed in error and that the debt would be removed from all three credit bureas. She also provided me with a telephone number to follow up with XXXX XXXX XXXX ( XXXX ) XXXX. I called this number and it was disconnected so, I contacted EOS CCA again and spoke with XXXX with Consumer Complaint who advised me to send them a email or fax for the phone conversation to be investigated. They have been billing me for several years and after numerous credit bureas disputes they are still knowingly reporting misinformation for a debt that does not belong to me. I received a bill under XXXX XXXX which is not my name and or debt. I would like to have them remove this debt from all three bureas immediately.
Complaint sub-issue: Account opened as a result of fraud

I received a bank card from Citi Bank. I called they said a bank account was opened on my name online with my ss #. I never did This
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019, I filed a dispute on-line with Equifax to remove XXXX   XXXX-XXXX from my file. ( see exhibit 1 ). 
On XX/XX/2019, a letter from Equifax states they verified the item belongs to me and they only made a few modifications. ( see exhibit 2 ) On XX/XX/2019, a letter from XXXX states they notified all 3 credit reporting agencies to delete the account from my report. ( see exhibit 3 ) On XX/XX/2019, I have a notification from XXXX XXXX, XXXX XXXX was removed from Equifax report. ( see exhibit 4 ) On XX/XX/2019, I filed a dispute again with Equifax to remove XXXX from my credit report. ( see exhibit 5 ) On XX/XX/2019, I have a notification from XXXX XXXX again that XXXX XXXX.-XXXX was removed from my Equifax credit file. ( see exhibit 6 ) I have contacted Equifax multiple times. It is unbelievable how they have treated me. The proof is the letter from XXXX itself. If XXXX had changed their position, by law Equifax was required to notify me directly. I should not have had to file multiple disputes for one entry. I still do not know if XXXX has been removed or not. I directed Equifax to send me a new credit report with or without XXXX. I realize the dispute filed on XX/XX/2019 is still within the 30 day period, but my original dispute XX/XX/2019 is now over 60 days old!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Didn't receive enough information to verify debt

On XXXX XX/XX/XXXX, I sent a certified XXXX letter to Enhanced Recovery Company notifying them that I was not aware that their company was placing an account on my credit report. The company never followed up with a letter or verification after I sent that letter, the account continued to remain on my credit report. After that letter was sent the company continues to use tactics that are against the Fair Credit Reporting Act continues to age the account when not authorized to do so, with the most recent update in XX/XX/XXXX, I have had no contact with the company outside of the letter that was sent in XXXX. This company can not place an account on my credit report without notifying me by mail so I have the opportunity to dispute the debt and can not age a account to make it more current in order to keep on a consumer credit report. There needs to be an investigation that is done to see how many other consumers this company has done this to. I also contacted the originator of this debt and the company has not responded with a verification of the debt.
Complaint sub-issue: Reporting company used your report improperly

I need help understanding how XXXX  and XXXX  and equifax just allow anyone to place a collection account under the credit score model in my name after this same creditor has been removed from my account several times, i need the law that allows these companies to do so
Complaint sub-issue: Information belongs to someone else

I Have provided Evidence to XXXX, XXXX, and Exquifax of my identity being compromised. I have pointed out several reporting errors on my credit report and the 3 Bureaus has consistently ignored my consumer rights. I feel the credit bureaus has lost reporting integrity and needs to Reprimanded for not upholding the Credit laws in place for consumers. Inaccurate reporting is against the FCRA laws, in which they are not following.
Complaint sub-issue: Public record information inaccurate

I was told that this information was no longer on Equifax but it still is reporting. I have sent in documentation for identity theft paperwork also paperwork from other reporting agency 's stating it's not reporting. it's also reporting on XXXX as well.
Complaint sub-issue: Old information reappears or never goes away

I have written to your company before with my thoughts. Your company isn't any kind of legitimatecredit keeping agency. You do not represent anything that even closely represents a fair and an accurate picture of one 's financial health. What you are is a Credit Card Sales Company. Credit Karma is a CONSPIRACY, not a company, to XXXX people into buying one of their suggested credit cards, too numerous in this dispatch to mention. The algorithms used to calculatea client 's supposed rating are basedon nothing but how often he/she takes advantage of one of their offers and how deeply one gets themself in debt with said card so that the credit card companies get the wind-fall profits on the criminal interest they charge whichCredit Karma get a hefty slice. There is no effort on Credit Karma'spart to paint an accurate picture of a card holders true financial health, only how many cards they buy and how deeply they get into debt with them. 
In addition you carry information that is thirty years out of date and since there is no provision to update on your site the problem goes unchecked.