Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have recently applied for credit twice and both times I have been denied due a public record recording on my file. My most recent denial states the only reason I was denied credit from XXXX was * A credit obligation related to a bankruptcy or financial couseling plan was recorded on your credit bureau report. I have spoken to a XXXX XXXX supervisor who stated there is a bankruptcy showing on my credit report. I have submitted a letter to XXXX in XX/XX/2019 indicating I do not have a Bankruptcy in my name from the county on file. As of this compliant, this bankruptcy is STILL on my credit report ( s ). This bankruptcy just recently appeared on my credit report within the last year. XXXX  shows on their report they are obtaining their information from a 3rd party Consumer company.
Complaint sub-issue: Information is missing that should be on the report

I purchased the vehicle XX/XX/XXXX financed with XXXX XXXX XXXX. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. XXXX XXXX XXXX was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several  times without any response. XX/XX/XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XX/XX/XXXX and XX/XX/XXXX the loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They call me 3-5 times a day and on numerous times I have requested written communications only. I have requested Debt Validation months ago and still have yet to receive anything. Also call my family member and harass them.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My first complaint dealt with Equifax requesting MY driver 's license to obtain a credit report for my deceased mother AFTER I sent to them her death certificate and Letter of Administrator which has my address on it. My complaint also dealt with Equifax not having knowledge of my driver 's license that I sent upon their request. I received MY credit report on XX/XX/XXXX - I never requested one for myself. I called Equifax immediately and spoke with a Supv'r who told me that my driver 's license was scanned but she could not read my address. I told her she could verify my address off the Equifax credit report that was sent to me without me requesting one. She refused. I received another credit report today ( XX/XX/XXXX ) for myself without request. I received TWO reports in my name I did not request and a report for my mother received today ( XX/XX/XXXX ) that was mailed ONE day ( XX/XX/XXXX ) BEFORE a telephone conversation with a Supv'r ( XX/XX/XXXX ) who stated " no report for my mother would be mailed out until they receive a copy of my driver 's license that they could scan and then read the address. '' Then, today in the mail I received an informational letter that they would release a report for my mother when i would send them a death certificate and a Letter of Administrator. The logic in this procedure is POOR because I sent them these two documents after the first request for my mother 's credit report as her executrix. 
My concern with respect with identity theft is that Equifax had a copy of my driver 's license that they could not locate and they stated they did not receive it but they had it because the Supv'r said she could not read the address. Then she requested a copy to be sent again and I refused because they misplaced the first one.
Complaint sub-issue: Account information incorrect

They had 9 late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to Nelnet but they all say it cant be changed but the information is incorrect
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 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

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

These companies violated my consumer rights by furnishing this information to my credit report without my knowledge or consent which is identity theft identified by 18 USC 1028A. They violated the privacy act of XXXX by sharing information such as my SSN which belongs to the SSA. And trying to collect on a debt which is an obligation of the United States as per 18 USC 8 which also makes them guilty of the False Claims Act. 
The companies Include : XXXX XXXX XXXX through XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount : {$310.00} XXXXXXXX XXXX XXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$7400.00}
Complaint sub-issue: Privacy issues

Discover incorrect reports my name on my acct to the credit reporting company employee of discover harasses me with confidential info and slanders me defames me, acct paid off tells people i dont pay my bills when i do
Complaint sub-issue: Don't agree with fees charged

American Education Services uses deceptive practices in dealing with borrowers. I just learned yesterday that they have been charging me late fees every month for the past year-and-a-half because they claim that I missed a payment, and so every payment since then, though on-time, has been deemed late. When I asked if they would waive these fees, they said they ca n't because they are " rolling late fees. '' They also never resolved an issue I discovered about 2 years ago, when I learned that they had had me on an interest-only plan until XX/XX/XXXX, even though I had requested to be on a level plan. 

Below is a complaint I posted on the Consumer Affairs website in XXXX XXXX : I consolidated my loans at 4.75 % before graduating with an XXXX in XX/XX/XXXX. Since XXXX, I have been making monthly payments on my loans. Originally the lender was XXXX XXXX XXXX, but apparently AES acquired the loans in XXXX, XXXX when XXXX went out of business. I am concerned about several issues : I am charged late fees often, but without sufficient warning that my bill is due and that late fees will apply. These late fees are {$20.00}. XXXX had not served such high late fees. Also, AES is reporting these late payments to the credit report agencies, diminishing my credit - despite the fact that I pay monthly. I also frequently pay a greater sum than the minimum due - sometimes several times as much. I am concerned that these higher payments are not being applied toward the principal amount of my loan and I am not sure where the money is being applied. 

I estimate that I have paid at minimum {$20000.00}, likely {$25000.00}, to these XXXX lenders ( XXXX and AES ) over the past seven years. Yet my principal amount due has only decreased by about {$3000.00}. Though I have sometimes been on the interest-only plan, I have requested to be on the level plan for years. Yet I was just informed that I was on the interest-only plan until XXXX XXXX. Even if I were on an interest-only plan, at 4.75 % interest rate, this does not add up. Where has this money gone? On XXXX XXXX, I requested a full payment history from AES, including payments from XXXX, going back to XXXX. As of XXXX XXXX, I still have not received this payment history. I called AES on Tuesday, XXXX XXXX and was told that the request is " being processed '' and that I should have it by Friday, XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXXXXXX XXXX XXXXXXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

My XXXX XXXX account was paid off ( XXXX dollar balance ) and closed in XX/XX/XXXX. However the last two months I have received statement notifications of a balance due. I let them know that's not possible because the account is closed and I do not have the card so I could not have made any changes. And I don't know how charges can be applied to a " closed '' account. I emailed them on XX/XX/XXXX and XXXX letting them know that the account is closed and I don't have any idea what is going and I can't even log on because it is linked to old phone number that I no longer use due to identity theft. On XXXX they replied to me saying I need to provide my drivers license to change my phone number. I replied back on XXXX that I no longer have a valid DL but provided my passport book instead and let them know again the account is closed, don't know how there are any charges and if so its fraud and I don't know how/why there is a balance. There has been no response to any of my emails since, the phone number is still linked to the old one for the account so I still can't access it and I'm still receiving balance notifications. And on XXXX they reported to the credit bureaus that the accounts were late when I let them know already that any new changes should/would be fraud since the account was " closed '' and I don't have any access to it.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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: Credit inquiries on your report that you don't recognize

Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX   and XXXX from a unknown companies such as Discover Financial Services, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX   XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
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 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Problem getting your free annual credit report

Sage Stream, LLC ( who ar e they??? ) has reported a score with an almost  XXXX  point disparity from other CRA 's. I want my report to see that they are reporting and I can not do this because I WILL NOT submit hard copies of the personal protected information they are requiring. I WILL NOT submit my social security card, birth certificate, driver 's license, etc.. to anyone, much less a company I have never heard of until a couple of days ago. So because I wo n't comply, I can not get my credit report to verify the accurateness of items being reported. Catch  22 and the winner is SageStream.   <P/> ****Why is the CFPB allowing a company to require that kind of information? I thought your role was to look out for the consumer. All other CRA 's have online requests and verify your info through your past credit experiences and then you 're able to download a P DF. **** This  practice is unacceptable and someone needs to figure out why I have  XXXX  point disparity in my scores.  <P/> Who are they accountable to? They need to be made to answer as to why 100 % of their scores are significantly lower than ALL other CRA 's.
Complaint sub-issue: Trouble with how payments are being handled

I had   XXXX   XXXX   in college, from   XXXX   XXXX  - XXXX from   XXXX   XXXX   university, then   XXXX   took over after some other company tried to help me with payments, forbearance etc then another company fedloan, took over I have been making payments to two different programs, my debt was over 80k, I dont understand what to, I was paying this company and then everything stopped in  XXXX , it was forgiveness program, I have been in the education field for over 12 years.then I see my credit score keep going down some I 'm default, I do t understand, when I call the business I 'm getting nothing, I even emailed and tried to go on the page and it no longer exist. I 'm not sure what 's going on but the whole   XXXX   XXXX  ,   XXXX    situation has been handled all wrong. I have ALL THE EMAils and COMMUNICATION with the COMPANY. I have been trying to contact the company since  XXXX - XXXX . Please help me
Complaint sub-issue: Attempted to collect wrong amount

Loan was never validated and I don't owe that
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX - purchase from XXXX for {$430.00} order number XXXX, placed on my Citi card ending in XXXX. Send for return using sellers XXXX - XX/XX/XXXX seller acknowledges XXXX has been scanned by shipping company for return. Refund 7-10 days. Contact seller when refund not processed. Seller suggests charge back via credit card. XX/XX/XXXX - initiate charge back with Citi. XX/XX/XXXX - citi summarily closes investigation. Refuses to state reason for closure, provides documentation PROVING the seller has access to XXXX and tracking for returns and can show the seller has the merchandise and my money citi states they Advocate but have NO mandate to actually investigate the disputed transaction via the FCBA law. Seriously, the seller provided docs to Citi that show they owe the money. Citi states if they receive ANY response from the seller, even if it proves the buyer is right, citi just gives the money back to the seller assuming the documentation proves it. Then the buyer has to re-submit the sellers own documentation PROVING they are owed the money back. States I can provide additional detail, but refuse to state reason seller states they DONT owe me money so I don't know what else they need because the seller never said they don't owe money. Just provided 14 pages of documentation PROVING they do owe the money! It's the craziest thing I have ever seen.
Complaint sub-issue: Personal information incorrect

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Errors : Name Errors : My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX
Complaint sub-issue: Investigation took too long

Equifax dispute process does not even confirm or not confirm the investigation items requested. On several attempts now I have disputed a foreclosure and collection accounts to no avail still result with the same thing that they have verified the account belongs to me. Documentation has been provided showing evidence the account should be deleted along with the creditor themselves submit request to have it removed. The accounts in question on my report with Equifax are XXXX, XXXX Michigan, and XXXX. All other credit bureaus are reporting accurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account 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
Complaint sub-issue: Public record information inaccurate

I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.