Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 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 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX 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

Equifax is incorrectly reporting that there was a missed payment in XXXX 2017. I have made all payments on my account on time, and have email confirmation for this payment. I have submitted a dispute through Equifax four times, yet they have never proceeded to correct their error.
Complaint sub-issue: Received bad information about your loan

I have made payments to my student loans under the " Public student loan forgiveness program '' as I am a XXXX XXXX. I have sent in numerous employment verifications to this company as they have lost them. I joined the program on XX/XX/XXXX. to date I have made near 45 payments that are qualified which means according to the companies own website as, " The Public Service Loan Forgiveness Program is a federal program that forgives federal student loans for borrowers who are employed full-time ( more than 30 hours per week ) in an eligible federal, state or local public service job or 501 ( c ) ( 3 ) non-profit job who make 120 eligible on-time payments. '' I have done this in full compliance and have attached the payments made to XXXX XXXX   since my loans were transferred from XXXX XXXX to XXXX XXXX in XXXX. Prior to this I made the qualifying payments through XXXX XXXX which I have been unable to obtain thus far as XXXX XXXX will not get back to me with the calls I have made requesting my payment details, and the web site will no longer allow me to log in since my account is no longer active with their company. My qualified payments need to be updated and I have attempted for the last year and a half to work with XXXX XXXX to get this updated and they are incompetent in performing their duties. please assist.
Complaint sub-issue: Their investigation did not fix an error on your report

THIS COMPANY IS HORRIBLE THEY SENT ME RESUKTS OF MY DISPUTE IN THE MAIL SHOWING IT WAS DELETED BUT ITS STILL IN MY FILE REPORTING IM A VICTIM OF IDENTITIY THEFT AND THEY HAVE MY POLICE REPORT TO BLOCK IT ANd they sent me the results showing deleted but its still reporting when I call they refuse to delete even having the evidence sent from them to me they claim they have a system error not being able to update my file or delete them their crazy and dont update it with the investigation results I received by mail
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These unauthorized inquires I've sent on XX/XX/21 have been affecting my credit profile, and costing me XXXX  of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Complaint sub-issue: Need information about my balance/terms

I have contacted nelnet multiple times over the span of the last month to request a 30 day payoff statement, with my full name, full account number, and a breakdown of my loans on it. Every time I request this, they say it will take five business days and then I receive nothing. I feel that I am being intentionally stonewalled here as they know I want to take my business elsewhere but they know I ca n't unless I receive the proper documentation.
Complaint sub-issue: Information belongs to someone else

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$570.00} DEPEDXXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX/DEPT OF ED XXXX {$10000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$10000.00}
Complaint sub-issue: Account status

Over the last 12 months I have sent multiple letters to Equifax stating XXXX XXXX wrote off this account for company tax purchases. It should not still be on my credit report because XXXX XXXX took the tax credit once this account was written off. 

XXXX XXXX
Complaint sub-issue: Problem with fees

I opened a secured credit card with Citibank in, I believe XX/XX/XXXX. It was easy, it took only a few minutes to transfer the money to the company. The agreement was that after 18 months, the money would be refunded to me without interest. In XX/XX/XXXX, after having numerous problems with being able to download statements, make payments online, I inquired about cancelling the card. The customer service was terrible - I was always being given differing information. Around XX/XX/XXXX I received a letter stating that because I dad a late payment on my account, they would not refund my money for another 18months minimum. When I asked to again cancel the account, I was told that I would be charged a fee. I called in to discuss the two late payments one 2 days and one 5 ; as with all off y other account I believed that a late account was reported at 30 says and I explained that I had asked questions online about the statements not being able to be viewed in their entirely, the inline count, not accepting payments and for a refund of late fees. I have never had such a negative response with my other unsecured accounts. If on occasion, I am a day or two late, the fees are reversed. In around XX/XX/XXXX, I filed a claim with the BBB regarding this company 's practices. I was called by someone from he company, higher up and was told that they could refund my deposit without a fee.
I closed my account XX/XX/XXXXof this year and was told that it would take 21 days one time and then 30 days the next to refund my deposit. I was also told that I was being charged late fees because a payment on the account was not made and interest fees will continue to progress.
I once again tried to go online and was unable to view or manage my account. I have been receiving collection calls daily and after the first call took 45 minutes, I have refused to speak with them again.
If they are doing this to me, they are doing it to other people.
1 - They are holding deposit accounts for credit cards gaining interest on the deposits and on the excessive fees and interest they charge on these accounts.
2 - They are customer service oriented, I have never been treated well on any call. In fact, on the last call, I asked the manager to give me the start date of my account with them and she refused - she said it was against policy to give me that information!
3 - Their online presence/technical issues are so bad it prevents someone from making payments or getting responses answered via technology - if you have a problem/complaint they will return your call but if you miss it you go into a rotation system. There is no way to return that persons call.
4 - I should be able to close my account and immediately have that deposit applied to my account : they are continuing to charge me high interest rates which is making my account increase over the balance amount. This is really stealing, quadruple dipping and again, there are many other people who have a need to re-buld their credit without as many resources as I do : there should be. class action suit.
Complaint sub-issue: Information belongs to someone else

My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. These event has prevented me from getting finance as well as a better jobt to better my life.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Sallie Mae calls me several times a day to collect a past due amount. 
I have asked if they can work with me by enrolling me into an Income-Driven Repayment schedule, similar to XXXX and XXXX  They informed me Sallie Mae is a private company and does not offer this option. 
Ok, I understand this. 
However, they collected {$150.00} a month from me for several months as a " good faith payment ''. 
They led me to believe this payment was going towards my loan amounts. 
It was not. 
It was simply a fee to keep Sallie Mae from reporting my loan to the credit rating bureaus. 
Once I found out this fact, I stopped making the payments. 
My total due each month is close to {$700.00}. 
I asked again if they can lower payments. They informed me they could lower the payments to {$350.00}. I told them this was not feasible for me. 
They threatened to report me to the credit bureau and destroy my credit. 
In the meantime, they have raised the interest rate on my loan to 10 %. 
They have called my parents several times. 
Today, on XX/XX/XXXX they called my parents home again. 
I called Sallie Mae and asked them to stop calling my parents, they are NOT cosigners on the loan and therefore they should not be involved in their attempts to collect a debt from me. 
Sallie Mae informed me they use a " phone book '' service to reach out to people with similar names if I am not answering the phone. 
I speak with Sallie Mae at least three times a week and each time I tell them I can not make payments at this time due to financial hardship. They have no right to call my parents. 
They have called my business partner as well which was very embarrassing and could have cost me my livelihood. 
I am currently working with a debt relief company to settle this account and have asked Sallie Mae to stop calling my parents. 
They refuse and I think this is total harassment and bullying. 
I understand I owe this debt. I received a loan for my education and it needs to be paid. However, I do not need to be bullied. I do not need to be harassed several times a day with a phone call from Sallie Mae, and I do not need my parents and business partner receiving these phone calls as well. ESPECIALLY when I speak with a customer service rep from Sallie Mae several times a week. 
Thank you.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balanced Owed XXXX {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Complaint sub-issue: Debt is not mine

This debt is so old it is way past the statute of limitations. I have not had a XXXX phone for more than 5 years and ERC is trying to collect on the debt. I have no other records of last payment bu I know it was more than 5 years.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has put a remark on my credit report for my XXXX credit card and my XXXX XXXX credit card. Having them put this remark has decreased my credit score. I can't even view what the remark is but there should be nothing posted under these accounts. Last month I disputed the balances on these accounts as they were reporting higher than they actually are. Today upon checking on XXXX XXXX my score decreased due to these remarks added. I am submitting this dispute because there shouldn't be any remarks made. I also am unable to get online to view my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Debt was result of identity theft

In my youth I made some poor decisions and found myself XXXX in the Arizona XXXX XXXX I am embarrassed of this and it is difficult for me to actually need to use that XXXX as proof I did not obtain the debt I am accused of owing. The debt was obtained at XXXX XXXX I don't know if it was a loan or credit card. In XXXX, a judgment was made against me. I was never served any documents and had no idea I was being pursued for this debt and to this day, it has not appeared on my credit report which tells me they didn't have my correct SS number. In XXXX, the judgement was renewed. My wages were garnished out of my final paycheck with my previous employer. At that time, I contacted an attorney. I paid him to present the facts and proof I could not have obtained the debt while I was incarcerated. It is my belief my brother and sister-in-law used my info and obtained this debt. They have {$80000.00} in judgements and collections against them. I have no negative credit and pay all my debts on time. XXXX XXXX was my attorney and filed with the court a motion to dismiss due to the fact I was never served. The judge denied the motion and accepted the service statement that they served my father with whom I was not living with. I was never served, my father signed an affidavit swearing under oath he was never served either. The attorney said he couldn't file anything else which I could not understand. XXXX XXXX spoke to the attorney at XXXX XXXX XXXX and provided the proof I could not obtain the debt and was told, " Too bad, we have a judgement, he has to pay it ''. I filed a request with the court to allow me to show the proof and dismiss this judgement and was denied. I was not going to pay a debt that has been so over inflated as well and was not my debt. Originally it was for {$2000.00}, and now they are garnishing my wages for {$10000.00}. I am employed with XXXX XXXX  XXXX and as of XX/XX/XXXX, they are garnishing over {$600.00} a month from my check and charging 24 % interest on a debt I never obtained. I have asked XXXX XXXX XXXX for all the original loan documentation, application and signatures and was told it has been destroyed by the original creditor and they don't have any of it. They refuse to give it to me. How do they obtain judgments without proof of the initial debt. I don't know where to turn from here. I have done everything in my power since I was released in XXXX to live on the straight and narrow. I have distanced myself from family and friends who were negative figures in my life. I haven't had so much as a speeding ticket. Please help me.
Complaint sub-issue: Personal information

While reviewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by XXXX to make such erroneous inquiry. 
XXXX XXXX misdeeds constitute fraud and a serious breach of my Privacy Act and FCRA Section 1861 b ( c ). 
XXXX were not legally authorized to unilaterally review my credit without my written consent, thus, an act against the law that has continued to cause me economic hardship and prevents me from securing a meaningful employment.
Complaint sub-issue: Can't temporarily delay making payments

I was told numerous times by many different representatives I have 12 months of forbearance for my loans. I took a few months of it and then I needed to extend it for the remainder of the 12 months. I paid {$150.00} to make my loans current and then they would extend my forbearance. A month later they told me they wo n't approve my extra time that I was told previously would be. So now I have  two  sets of payments past due. Sallie Mae has never been straight forward with me and I get all these different answers. They refuse to hear me out on why I want my forbearance.
Complaint sub-issue: Their investigation did not fix an error on your report

As per the agreement entered into by XXXX XXXX, the borrower, and the US Dept of Education in conjunction with XXXX XXXX XXXX XXXX University, the borrower was declared XXXX XXXX XXXX   XXXX by the Federal Government and offered complete forgiveness of all federal student loan debt to be paid by XXXX. The borrower, XXXX XXXX, accepted the offer and was able to successfully abide to the rules of the agreement, including a monitoring period of three years in which the borrower would maintain federal acknowledgment of being XXXX. This agreement provided that should the borrower meet the criteria of eligibility, upon completion of a three year monitoring period, all federal student loan debts would be paid by XXXX , XXXX, and The borrower would be released from all debt obligations, and that these debts would be held to reflect no negative payment history, nor any attempts to be placed into collections nor sold to any collection agency. The borrower became XXXX in XXXX of XXXX, and was offered forgiveness due to XXXX  XXXX. The agreement provided by the federally accredited student loan forgiveness repayment organization, XXXX , XXXX, outlined that during the investigation period no debts would a reflect late or negative payment history, nor would interest be charged to any accounts ; and that if at any point the borrower did not meet the criteria necessary for XXXX classification, or was no longer classified as XXXX by the Federal Government, he would be responsible for repaying all debts to include any interest incurred as stated by the original loan agreement. As of XXXX, the borrower continues to maintain classification as being XXXX XXXX XXXX   XXXX and was determined to have met the criteria outlined during the monitoring period. As such, all federal student loan debt has been paid by XXXX, XXXX as agreed and should reflect all accounts as paid and closed, and represent no late or negative payment history. Additionally, as stated in the agreement, no accounts should have been placed in collections nor sold to any collections agencies as all accounts are considered to have been paid in full and on time. The reflection of any accounts held with XXXX XXXX XXXX XXXX University or the Fed Dept of Ed stating negative payment history and/or placement In collections violates the agreement between XXXX, XXXX with XXXX XXXX XXXX XXXX University and the Fed Dept of Ed. As both institutions have received payment as agreed, and all stipulations of the agreement were honored, negative reflections of payment history and/or any accounts placed in collectionsor sold to a collection agency are the be understood as fraudulent representation of account information. Both agencies have been made aware of this and continue to place negatively impacting information on the borrowers credit history indicating both institutions guilty of fraud.
Complaint sub-issue: Account status

A {$55.00} medical bill went overdue and I was not made aware until I was contacted by a collection agency. I paid the bill in full as soon as I was made aware of it. However, in the meantime, the medical office closed and the collection agency has refused to remove it from my credit report. Now I 'm trying to get a home loan and being penalized because of this one single thing on my credit report when I have not had a single late payment on anything else in my entire credit history.
Complaint sub-issue: Information belongs to someone else

Equifax Confirmation number XXXX states that Bankruptcy Case Number XXXX was deleted. This is dated on XX/XX/2019. I just spoke with an Equifax Rep that stated that it is still showing up on Equifax. My attorney has just mailed off a letter with the intent to sue. Equifax is reporting damaging information that states that it was already deleted and it hasn't been. Equifax has exactly 15 days and no longer to rectify this issue. I have already spoken to the Courthouse. They do not report information to the credit bureaus. They stated that a third party reports them. From what I understand, that is illegal because inaccurate information can be transcribed from the third party and has. I am not pleased. I spoke with 2 reps and a supposed supervisor. They were of no help.
Complaint sub-issue: Their investigation did not fix an error on your report

The following companies ran unauthorized credit inquiry on my credit report and the inquiries mentioned below are suspicious to me : XXXX and XXXX