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

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Complaint sub-issue: Information is missing that should be on the report

After reviewing my credit report, I am not happy to see the below items that are still showing in there as negative. An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report.
Complaint sub-issue: Debt resulted from identity theft

A account was opened in another state when I was XXXX XX/XX/XXXX, When I called Dish network and told them about it. it was removed. Now here XX/XX/XXXX they come back saying it was for my address which I never had account with them in amount XXXX and change. I sent a police report and stuff to everyone XX/XX/XXXX that several accounts where open when I was deployment. No one was living at my house at the time. So no XX/XX/XXXX they keep sending it to different collection agencies even after I talked them and agency returns the account back to after looking at the dates. and all XXXX XXXX is say that they are informing of a debt and do I still the equipment. I did n't sign for or authorize this account and after checking with my ex wife to see if she did where she was living she said no.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Company AFNI, I called them today to pay bill in full, I asked them to make sure it would be reported on my credit report and that I needed an email stating that they would do that and they refused to give me an email or anything in writing to prove that they would report it paid. They then stated they " don't do that according to company policy and said that is " the way it is '' and I would have to accept that. I again stated I wanted to pay it in full but would like an email stating what would be their part of the agreement, and then I would pay it immediately, they again refused. I believe that this is a very logical and fair request and they should have no problem doing that. what is the problem??? They shouldn't be able to keep it on my report if they are refusing to give me some proof of their actions that they should be responsible for. Companies like this are acting as bullies and should not be in business.
Complaint sub-issue: Account information incorrect

Portion of my FedLoan has been forgiven. But, the loan balance is overstated on my credit report.
Complaint sub-issue: Card opened as result of identity theft or fraud

OnXX/XX/2011someone open up a fraudulent account in my name with Elan Financial service goes by Card member service. I've reach out to the company numerous time requesting for them to send me legal documentation that the account belongs to me. I also ask the company to send me proof of my driver 's license and application were I did the application. Elan financial service will not send me any proof that i open this account with them. I have sent in a police report to the creditor bureau on my behalf stating that i have been a victim of identity theft. I fell that all my rights have been taking away from me because of this matter on my credit report. please help with this matter.
Complaint sub-issue: Billing dispute for services

Around XX/XX/2018, got approved for a loan of XXXX. Due to extremities of hardship and paying way more than. I was loaned, I could not keep letting this burden me no longer. The loan is in collection. And I refuse to pay anything in collection. It does not help to pay it off because it will still show the loan as a debt collection. 

So it will neither make my credit report nor score go up if I did paid due to this being a personal internet loan that has no real impact on increasing your credit score and report like a credit card does.
Complaint sub-issue: Didn't receive advertised or promotional terms

Discover It credit card advertisements indicate a 5 % cash back on gas purchases, restaurants, travel and more. When you fill out their application ( which requires ones Social Security number by the way ) and the switched, actual terms are reveled it is heavily restricted by month to certain retailers. This is blatant bait and switch.
Complaint sub-issue: Account information incorrect

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to reduce the rate of interest to six percent ( 6.0 % ) for the above referenced account. 
I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time I incurred the above referenced debt. The SCRA establishes a six percent ( 6.0 % ) per annum ceiling on interest during the period of a servicemembers military service. This reduced rate became effective upon my entry to XXXX XXXX on Date, and shall be applied retroactively to date of entry to XXXX XXXX. 
Under the SCRA, any interest in excess of 6.0 % per year shall be forgiven. Additionally, any payments shall be reduced by the amount of interest forgiven which is allocable to the period of such payment. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Complaint sub-issue: Account information incorrect

Both my husband and I were tremendously impacted by the pandemic Covid. As I understand it this is considered a natural disaster. Not only did I lose over XXXX XXXX of my income but my husband was also diagnosed with stage XXXX XXXX XXXX in XX/XX/1920. With mounting medical bills and a lack of income we have done our dead level best to stay current with everything that we have. It seems that accommodations have been madev for most on their credit reports however ours seem to be impacted. We have been consistently in contact with our creditors and paying as much as we can. I would certainly hope that there is some sort of compassion for the pandemic and a life-threatening illness where these remarks can be removed from our credit scores or our credit bureaus so we are not so severely impacted. I am attaching a picture of my husbands diagnosis with the XXXX XXXX  that were found On his colon after a clear XXXX only XXXX year before. He had done all the pre-requisite screening and the doctors are amazed by the anomaly of my husband having a stage XXXX XXXX XXXX with a clean XXXX  a year before. I would appreciate any help we can get
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

On or about XX/XX/2021, my credit report was accessed from Maryland by XXXX XXXX XXXX XXXX '' This company is not legally authorized to access my credit report and I'd like Equifax to explain why they are permitting this. 

Litigation to follow.
Complaint sub-issue: Problem with customer service

THIS HAS HAPPENED TWICE BEFORE!!!!! 

Monday XX/XX/2020 I called Fedloan Servicing at XXXX with a very simple question. After waiting 7 minutes I was answered by XXXX, employee ID # XXXX. She couldn't help me with question and transfered me to loan adviser. The hold time was expected to be 20 minutes. I was on hold for 1 hour 13 minutes 53 seconds. No one answered phone in that time and my line was DISCONNECTED! I called again, waited 15 more minutes and was answered by XXXX, employee ID # XXXX. I told her what happened and requested to speak with a supervisor. I waited for another 10 minutes just to be told there is a long wait time to speak with supervisor because SO MANY OTHER PEOPLE HAVE COMPLAINTS AS WELL!

As stated above, this is not the first time I have had the hardest time trying to speak with a loan advisor or supervisor. I submitted 2 INCOME DRIVEN REPAYMENT PLANS last year that WERE NEVER PROCESSED and I was placed back on forebearance which dramatically INCREASED INTREST RATES!!!! I now have nearly {$2000.00} in intrest alone! It is IMPOSSIBLE TO GET MYSELF OUT OF DEBT WITH THE BEST INTENTIONS AND WILLINGNESS TO DO SO. This company is a shame!
Complaint sub-issue: Information belongs to someone else

Yourrecords show that account number XXXX has a balance of {$14000.00}, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, XXXX account # 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
Complaint sub-issue: Debt was paid

There is an entry on my XXXX credit report detailing a collection account for Receivables Management Systems. The Original Creditor is XXXX XXXX and dated XX/XX/2016. This account has been paid in full to the Original Creditor. I have requested both XXXX  and Receivables Management Systems remove the entry, per the Fair Credit Reporting Act. I have provided both with proof to substantiate my claim.
Complaint sub-issue: Information belongs to someone else

This is the second time my identity has been compromised. I don't understand why this continues to happen to me, but there are several accounts that were open under my name that are not mine and need to be removed. Please remove these fraudulent unknown accounts from my report. 

DEPTEDXXXX XXXX {$11000.00} DEPTEDXXXX XXXX {$3400.00} XXXX XXXX XXXX {$26000.00} DEPTEDXXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$6100.00} DEPTEDXXXX   XXXX {$20000.00} XXXX XXXX {$3200.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX XXXX {$7500.00} XXXX XXXX   XXXX {$23000.00} US DEP ED XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX {$990.00} US DEPT ED XXXX {$8500.00} UD DEPT ED XXXX {$9000.00} XXXX   XXXX {$5300.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX {$430.00} XXXX  XXXX XXXX {$480.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax deleted with letter but still showing in other folder of my equifax.com account under Other Closed Accounts. So its still on the bureau profile and not completely deleted even though this attached deleted letter says it has been deleted.

it also showed up on other three bureau reports. But XXXX and XXXX have completely deleted with harassment and pain.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX time, I received a phone call from XXXX on my cell phone. The automated message indicated that they have attempted several times to contact me regarding my credit card account, and they have exhausted options in order to reach me on how XXXX XXXX can help me lower my credit card interest rate. The automated message only indicated it was from " XXXX XXXX '' and was deceptive to make me believe something was wrong with my credit card account. I hung up and called the XXXX number back, and it was from XXXX XXXX XXXX XXXX XXXX. I attempted to bypass the automated options, in order to talk to a customer service representative, as I was concerned I may have a credit card opened unknown to me. I could not bypass the automated options, and instead conducted a XXXX search on XXXX XXXX XXXX XXXX XXXX XXXX and determined this was a CITI Credit Card Product. I conducted CITI directly at XXXX at XXXX XXXX XXXX XXXX time to complain about the unsolicited and deceptive automated message with the customer representative. The customer representative took my complaint and apologized. I wanted to share my complaint, as the automated message that called me originally was very deceptive at making me feel like I had an account issue, rather than marketing it as an option for lowering your credit card rate. In addition, I do not own or have a XXXX XXXX XXXX XXXX XXXX in my possession, nor have I ever had XXXX issued to me by Citi. I feel this was an unsolicited marketing activity, that should not have been provided to me since I am on the DO NOT CALL LIST. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts.
Complaint sub-issue: Non-sufficient funds and associated fees

On Monday XXXX XXXX I received an email from credit karma about mt account and debit card that I thought I lost. I than transferred from {$100.00} from my XXXX account tnuto my credit karma account. On Saturday XXXX XXXX I called XXXX and found out that credit karma had taken all the money out of my XXXX account I put a stop payment on my account right away. I tried to get a hold of credit karma and could not find a number to call them. I did find out that they are located in XXXX & XXXXXXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have contact Equifax regarding inaccurate information on my Credit Report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries are 4 mo. apart and on the same day. I never authorized XXXX to keep accessing my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are 10 mo. apart. I never authorized XXXX XXXX to access my credit file XXXX   XX/XX/XXXX I have no idea who this company is I never authorized XXXX to access my credit file XXXX  XXXX never authorized XXXX  XXXX to access my credit file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # 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
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022, but the bureaus did not remove them, nor prove validation. 
Under Sec. XXXX FCRA " I have a right to privacy '' XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In the context of the COVID-19 situation, on Friday XX/XX/XXXX, XXXX XXXX cancelled my flight ticket to XXXX, XXXX. I bought my ticket via Citi Bank 's travel rewards program using a combination of credit and travel rewards points. For the past 1.5 years Citi and XXXX XXXX refused to refund my tickets that they cancelled. However, on XX/XX/XXXX, XXXX XXXX issued a statement that they would refund these cancelled tickets. If bought through a travel agent ( in my case Citi travel rewards ) I was informed to speak with Citi travel. I called Citi and they stated I should receive my refund within 2 months. They additionally sent me an email on XX/XX/XXXX stating my " Trip Id : XXXX is now eligible for a full refund. '' Since then I have called Citi travel and have repeatedly been hung up on, transferred and placed on indefinite hold over and over again. They have not issued my refund and refuse to provide an answer on why I am not receiving my refund.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried to email XXXX several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because the bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

1. The following inquiry was made without my knowledge or consent XXXX/XXXX  Date of inquiry : XX/XX/XXXX 2. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/XXXX 3. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/XXXX 4. The following inquiry was made without my knowledge or consent XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. Validate Account XXXXXXXX XXXX Account Number : XXXXXXXXXXXXX**** You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed immediately. 

6. Validate Account XXXX Account Number : XXXX You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed immediately.
Complaint sub-issue: Account status incorrect

The CARES Act and FCRA states ...... If you made an arrangement with a creditor, they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX until 120 days after the COVID-19 national emergency ends and at this time the covid XXXX pandemic is still active and in place. XXXX XXXX XXXX  for the months of****XXXX  and XX/XX/XXXX are reporting XXXX late payments to my credit report however I followed all steps of making a valid payment arrangement via the cares act with this company during the period. However the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. The act states if you are current on payments and make special arrangements, creditors must report the account as current. 
Late and missed payments CAN NOT be reported if you have already made arrangements.
Complaint sub-issue: Information belongs to someone else

I listed accounts I found on my credit record the accounts on file are fraudulent accounts those accounts not belongs to me this is a identity theft.
Complaint sub-issue: Trouble with how payments are being handled

I submitted my income based repayment certification through studentloans.gov. Loans serviced by AES were decertified with no issues. XXXX asked for more information, which I sent. After two unanswered emails about the status of my recertification, XXXX said they needed another document. I sent it and my recertification was approved for the amount of {$140.00} per month. However, my bill for XXXX was posted and it is for {$450.00}. I have emailed XXXX twice about the issue and have not received any response. I can not call because I have XXXX and do not have a XXXX. I have not yet paid the bill because I can not afford to and I dont want to mess up my qualifying payments for PSLF.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I had issues with Sallie Mae previously where they " supposedly '' communicated with me electronically, and had changed my payment amount without my knowledge. They finally called me a week before the loans I had were to go 60 days late ( even though the issue was their change earlier than the agreed, and failed to communicate the change ). As a result of that, I constantly have to Decline for the to communicate with me electronically. In this case, working with them they were able to enroll me in a rate reduction program. Well, I have been still struggling to make the payments with this decrease, and now they have sent me a notification that it is about to expire. 
With the new amounts there will be no way that I will be able to make the payments, so I contacted them to ask for assistance. They told me I had no options at this moment. As I asked further their suggestion on handling the situation was to " XXXX ( XX/XX/2021, XXXX XXXX ) : If you are unable to make your payment on the due date in full, I suggest making a payment for the amount you can afford. In the event your loan falls past due by 5 days, at that time our in-house collections team will reach out to you and may offer options that we do not offer in the service department. " The problem with this, is that in order to even get the reduction, they " FORCED '' me to have auto debit so they just pull the payment. So there isn't even an option for me to " pay the amount I can afford ''. To make things worse here, is that since the marked all 3 of my loans as 60 days late the last time, my credit still has not recovered, so refinancing with a better lender is not an option ( and I applied to all of them ). I am really frustrated as Sallie Mae has seemed like a predatory since the start, and it still does not appear to be any end in site for dealing with this company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit report act XXXX XXXX XXXX account number 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.