Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

ITHIS IS THE ABSOLUTE TRUTH. ] deposited a large check from my mothers estate and forgot about the money because it was in the bank and saw no reason to worry about these funds. When my sister came to see me there was no money. Consequently, the state attorney is attacking me for having stolen this money. The bank has sent nicely prepared lkedger sheeyts showing withdrawals and other items saying I took this money. I DID NOT DO THIS. How easy would it be to prepare forged documents when you have access to these things. I can not seem to get an attorney to really investigate this because they are all " ambulance chasing. '' and this would have to be pro bono. I will take a polygraph if necessary. What notices and papers I had were lost when I had my XXXX and movled to an assistant living facility.
Complaint sub-issue: Didn't receive notice of right to dispute

I lived in the retreat XXXX for two years, I was never notified by this company that I owed them any money upon leaving the complex. 9 months go by and I see a pro collect account on my credit score which dropped it, I later received by mail their letter stating that I owe money. I called and attempted to settle the collection by paying half of it, she refused to take the money, or would she send anything to the credit companies letting them know I was never contacted about these fees from the retreat or them. I would like this complaint, to get this collection removed from my credit because I feel they are using my credit line to collect money from young college students.
Complaint sub-issue: Account status incorrect

XX/XX/2019 ( 3rd complaint ) There are numerous errors on my credit report with Equifax and they will not fix them!!!! I have contacted them three times now and their system will not allow me to file a new dispute even though the information they are reporting is inaccurate and therefore slander, Libel and defamation!!! I am a XXXX  XXXX   and it is harming my reputation!!! XXXX XXXX XXXX who I financed my car through and NEVER WILL AGAIN, is reporting numerous inaccuracies and withholding reporting the good credit on me, intentionally!!!! 

I took out my loan in XX/XX/2019 made my first payment in XX/XX/2019 on time, paid XX/XX/2019 on time, paid XX/XX/2019 on time, then in XXXX fell behind 8 days past the 30 day mark due to choosing to switch my banks after 15yrs due to their errors ( XXXX XXXX XXXX ) and so was waiting for the XXXX XXXX XXXX to move my direct deposit which took a month, I paid them as soon as it was in my account. They are reporting it as 60 days late on my Equifax report. At this point that not only reported it incorrectly at 60 days late, but also reported my actual payment at {$1700.00} when it is only {$590.00} mo.,  then they quit updated my credit report to get back at me for being late and did not report on-time payments going forward for XX/XX/2019 and XX/XX/2019. I basically made on payment a few days late out of all payments and now they intentionally jacked up all information on my credit report and numerous others have complained of them doing the same online!!!! I want this corrected now and have also filed a complaint with the IL Attorney General and have contacted my lawyer for a possible lawsuit!!!! 

I also want corrections made to all three credit reports and corrected copies mailed to me, the IL Attorney General and the CFPB within a week of their receipt of my complaint. They have had several months now to fix the errors and have not, this is a direct violation of the FDRA and the IL Attorney General also needs to hold them accountable for this along with the other regulators!!!!! 

I want my account information correct with all three credit bureaus, showing all payments made on time and even the one time late due to all of the problems they have caused me, I also want my actual payment amount corrected to the truth {$590.00} and corrected copies of all three credit reports mailed to myself, the IL Attorney General and the CFPB within a week of them receiving this complaint!!! I also want the regulators to do their jobs and fine and shut these businesses down for breaking the FCRA and other laws!!!!!! If they are too incompetent to do their job correctly they need to be shut down!!!!
Complaint sub-issue: Reporting company used your report improperly

I am, XXXX XXXX, submitting this complaint against Equifax Information Services XXXX Inc and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX EST your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX ( CLOSED ) XXXX  ( CLOSED ) XXXX XXXX  ( CLOSED ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( CLOSED ) Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I didn't authorize ( authorization ) too view or pull credit ( Identity Theft Victim - Equifax Data Breach ) ... 

Inquiry details XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 Complete Dept. XXXX XXXX XXXX, XXXX XXXX   XXXX from XX/XX/2018
Complaint sub-issue: Old information reappears or never goes away

An inquire on XX/XX/2016 is still showing on my report where the 2 year mark has passed.
Complaint sub-issue: Reporting company used your report improperly

Equifax, XXXX  and XXXX  along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to XXXX credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.
Complaint sub-issue: Reporting company used your report improperly

Honestly I do not know the laws governing this issue or if I have a legitimate complaint. Unfortunately I have a few collections on my report because of myself being on XXXX and just can't pay them. The collections agencies close and open add and remove collections accounts at will. One moment the collection is on my reports and then they close it and remove it which causes my score to go up and down constantly. It is taken off my report and closed and as soon as my score goes back up they report it and open it again. This can't be fair can it? How am I suppose to get to a point where I can get back on my feet to even pay them when they play this game with the credit report. I have contacted the credit bureaus and they say the account is verified but i know this is an automated feature and no one actually looks at the information which is another unfair situation. I have been affected by the pandemic and this is really stressing me out there has to be something that can be done to stop them from playing games with my reports.
Complaint sub-issue: Received bad information about your loan

In XXXX of XXXX, I spoke with American Education Services about a forebarance on my loan. This was granted from XXXX - XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, a collection agency calls me because my loans are 37 days late. 

They verify the the status of the loan was forbearance and stated the servicer was attempting to still debit my account. So, while offering me an entitled forbearance, they were also attempting to debit my account, and reporting me to the credit bureau. 

When I spoke with AES via email they stated no, there was not forbearance on the account. Only one that was not yet approved submitted XXXX/XXXX/XXXX. I had faxed for additional time. 

This is just one of many issues with this company.
Complaint sub-issue: Information belongs to someone else

I AM LOOKING AT MY CREDIT REPORT AND I AM APPLALED. I CANT BELIEVE YOU GUYS ARE ABLE TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Account information incorrect

My Name is XXXX XXXX I am submitting this complaint on the behalf of myself without any third party or influence Please see attached exhibits as they state my concerns
Complaint sub-issue: Not given enough info to verify debt

XXXX is showing in my credit history for a debt of {$720.00}
Complaint sub-issue: Debt is not yours

I pulled my credit and noticed that a company listed by the name of Equiant Financial Services. I have never had a Mortgage before nor did I do it with a joint person. 


The second company is XXXX XXXX. I have never heard of this company but they will never validate the debt as I have asked them to do because I never had an account with them.
Complaint sub-issue: Debt was result of identity theft

On XXXX, XXXX a XXXX XXXX account was opened in my name and it was not me. In opening this account their was a debt for over {$3000.00} that is on my credit and went into collection and it was not me thayvwent a started service with XXXX to have owed them any money. The account was open XXXX, XXXX and closed on XXXX. It was open for less then 1 year and it was not myself that had opened the account to begin with
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Can't decrease my monthly payments

My private student loans are serviced by AES and XXXX. My co-signer was contacted by AES about the past due amount and was informed that my monthly payment amount could be lowered to {$350.00} per month for 12 months but I would have to contact them. Also they would report the delinquency to the credit bureaus in 3 weeks if a payment was not received. Previously I emailed a letter in XXXX 2015 to AES stating that due to a reduction in hours at my employer, I could only afford to pay them {$350.00} per month not the {$710.00} they were asking. I contacted AES on XXXX/XXXX/2015, to inquire about the new payment option and was told that I do not qualify. I find it very funny that AES likes to bate and switch, XXXX minute you qualify and the next you do n't. Sounds like AES is running an illegal practice.
Complaint sub-issue: Debt was result of identity theft

Ive disputed this 4 times. I also have a fraud alert on my information they refuse to remove this off my credit.
Complaint sub-issue: Account information incorrect

To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX  -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. Equifax is reporting a balance of {$22000.00} with a current payment status, XXXX  is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

Getting charged unnecessary late fees that the card issuer refuses to refund money on, because I was not getting my statements. Having unsavory treatment by customer service when I ask for details regarding my account including cycle ending dates ; being told I want to know everything about my account in a snide customer service conversation in or around XX/XX/XXXX by a man in a call center, it is my right to know about my account. My account credit limit was decreased below what the balance was. Also, recently as on XX/XX/XXXX I was not able to use my card for a very small purchase and I have credit on the account. Why am I not able to get my statements, learn of my account details and use my card without pushback. This is not the first time, as in or around XX/XX/XXXX or XX/XX/XXXX, my account was flagged unnecessarily, my account details for using cash advance option was hidden from me and the pin number I had was not properly reset, given to me and hidden from me knowingly by bad customer service reps to the point that I had to speak to a supervisor and I was asked in writing to keep using the card and given coupons. Why am I getting ill treatment? Please treat this account better and allow me to use it as I have credit on this account. Additionally, these accounts should take debit payments online -why is this option not available?! I had this account since XX/XX/XXXX and the XXXX  's rep did not inform me that she was processing a new account when I went to make a purchase and did not have my card on me. She closed my existing account in the process without my knowledge that I had since XX/XX/XXXX (! ) to open a new account so she could get the credit without informing me, when all she had to do was look up my existing account number in the system with the details I gave her! I was not informed that that XXXX 's was opening a new account and closing an existing account until I looked at my credit report -what a surprise! Please take the closed account off of my credit statement or transfer this account back to that one with the longer history. I was not informed of the opening of this new account and closing of the other -this was not fair treatment of a long-standing customer please correct this on my credit report! Please make this right! Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Account # : XXXX I tend to dispute the items above. 
The college and collection agency failed to mail me a proper notification of balances. Nor is the balance accurate or justified. The courses were dropped and I did not receive the education. Failure to send proper notification in a timely manner is extremely unethical. 
If the above accounts can not be verified, they must be removed immediately according FCRA section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. 
Please validate that this debt belongs to me, and please also show me the original contract agreement. I would also like to know the verification methods on the possible account as well.
Complaint sub-issue: Was not notified of investigation status or results

Failed to respond to remove error reporting XXXX XXXX XXXX 30 day Lates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights tc privacy and confidentiality under 15 USC 1681. 


XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX h

as 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 turnisn a account wino my instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Their investigation did not fix an error on your report

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the account, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. I think Equifax has not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. The account must be fixed : XXXX XXXX  XXXX Late Date XX/XX/21
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was extorted to pay {$1000.00} + interest to Hunter Warfield ( Collection Agency located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) for fraudulent claim. I received a phone call XXXX, but the message left did not indicate it was from a collection 's agency, so I did not respond. I then received an email from Hunter Warfield XX/XX/XXXX, indicating I owed {$1000.00} to XXXX XXXX XXXX. I proceeded to call XXXX XXXX XX/XX/XXXX regarding the email I received. They did not return my call. I then emailed them and called XX/XX/XXXX and sent certified mail to the office. I still did not receive a response. I then called the office multiple times since, one time speaking with office staff at XXXX XXXX who stated she would talk to the manager and get back to me. I also spoke with Hunter Warfield who stated that I had to pay the balance in full by XX/XX/XXXX or else it would go as a derogatory mark on my credit report. XX/XX/XXXX, I physically walked into XXXX XXXX to find out what I am being charged for. I never received a move out notice and was sent to collections 55 days after moving out, never notified XXXX time that I was being charged with anything. The staff member at XXXX XXXX could not find a move-out notice uploaded. But promised the manager would get back to me. I did not hear from her. I called Hunter Warfield and disputed the charges. They then proceeded to tell me that I even though the charges are being disputed, it would still be reported to the credit bureau and show up on my credit report. I emailed XXXX vista again XX/XX/XXXX, received a quick response from the manager stating she would get back to my Monday, of which I still, Wednesday XX/XX/XXXX, have not heard anything from her. I was forced to pay Hunter Warfield XX/XX/XXXX, so as to not have the charges sent to the credit bureau. According to the Fair Credit Reporting Act the abovementioned collection agency abandons its statutory duty by enforcing a bad collection without proof ; even though, this matter was disputed.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2021 I received my consumer report in the mail from Equifax stating the account XXXX was deleted. Days later I got on the phone with Equifax XX/XX/2021 to make sure this account was not on my consumer report and the representative stated that the account was verified. I sent the credit reporting agency an affidavit letting them know the account does not benefit me the consumer and that the account should be deleted. An affidavit unrebutted stands as truth. Since they stated they investigated it and it is accurate, I'm asking who did they interview pursuant 15 usc 1681a ( e )? They did not interview my family and associates pursuant 15 usc 1681a ( e ). I've also let Equifax know that no factual information can be on a consumer report pursuant 15 usc 1681c. Equifax continues to report an account that does not benefit me. I've never given them written consent in the first place pursuant 15 usc 1681b ( 2 ). I'm instructing Equifax to delete the account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to fix this problem before to no prevail. I stated that I have absolutely any knowledge of the following accounts. Only to be told by the credit agencies the accounts has been verified, but never given me any physical verification. I'm requesting that these accounts be blocked from my credit report, XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on Equifax XXXX XXXX Account No : XXXX Duplicated once on XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXX XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX Account No : XXXX Duplicated once on Equifax