Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX, I received a call from Discover Student Loans and they inform me that my loan was about to be charge - off due to a lack of payments.Because I could not afford to pay the minimum amount ( {$700.00} per month ) required Discover Student Loans and I was only paying {$100.00} - {$200.00} per month due to my income, my co-signer and I were informed that I needed to make a payment of {$400.00} in order to avoid the loan to be charge - off.

A payment of {$400.00} made in XX/XX/XXXX as requested and but few months later I was informed that my loan was charge-off. In addition, I called Discover Student Loans and I informed them that I was planning to go back to school on fall XX/XX/XXXX and I was told that as long as I am enrolled in school, I did not need to make a payment. And I would have to make payments again after the end of the semester. I attended fall XX/XX/XXXXsemester at XXXX XXXX XXXX XXXX.

After the fall semester ended, I went to Discover Student Loans in XX/XX/XXXX to make a payment and the blocked my account and I could not make any payment. Few days later, I started receiving multiple calls from Discover Student Loans and they informed me that my loan charge - off. Thus, I explained that I made a payment in XX/XX/XXXX and I was in school on Fall XX/XX/XXXX and my student loan should never have charge - off.

They promised to investigate and let me know that outcome, but they never call or email the results of the investigation. Few days later I ran my credit report and Discover Student Loans incorrectly reported my loans as delinquency.Thus, I called Discover Student Loans and I reported to them that I was receiving conflicting information from Discover Students Loans and it was creating problems on my side. I requested a written clarification and they informed me that the would send me via email, but I never received anything. Then, I received a call again from Discover Student Loans threatening me with a court action. According to them, Discover Student Loans was preparing to send my file a lawyer and they would not have control of the case if it goes to a court. And they requested me to make payment equivalent to {$700.00} per month which I can not afford. I requested a lower payment and they put me on hold for 20 + and they informed me that they could not do anything but the were going to transfer to a different department to negotiate a lower monthly payment. But I was told that the " department was close '' in the middle of the day.

I account was unblocked after I complained and I was able to make a payment of {$200.00} onXX/XX/XXXX.I was not able to make payment in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXXbecause they was blocked.

I received the loan in XX/XX/XXXX-XX/XX/XXXX to cover my schools expenses at XXXX XXXX University. The total was {$40000.00} and today the balance is {$74000.00} due to extremely high interest rates.
Complaint sub-issue: Debt is not yours

( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX  XXXX, XXXX ) has been sending me collection notices in the amount of ( {$930.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Information belongs to someone else

I took the proper steps to get these accounts deleted. 

XX/XX/XXXX {$9200.00} XX/XX/XXXX {$30000.00} XX/XX/XXXX{$440.00} XX/XX/XXXX {$1000.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I XXXX  out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is stalling on my re-investigation by claiming that they can not locate my file due not not having my full social number and proof of identification when in fact they have previously verified my identity. 

Equifax is reporting the date of last activity on the collection account in question as XX/XX/2022 this is an 605c running of the period violation due to they have re-aged the date of last activity when it is in fact suppose to report as the last time a payment was made on this account. 

They have failed to properly validate that this account is reporting maximum possible accuracy and due to the present violation there is no way they properly investigate this account. 

I would like for XXXX and XXXX to provide PROOF of this alleged debt as they can not ASSUME that this debt belongs to me without PROPER verification. Please note that an itemized bill does not constitute proper verification. 

I have no Written agreement with XXXX and XXXX nor have I ever done business with this company .. both companies have FAILED to properly validate that this account not only belongs to me but is reporting maximum possible accuracy per the FCRA
Complaint sub-issue: Account status incorrect

I have submitted information to equifax regarding a collection that I do not owe. I received a letter stating that the disputed account was not reporting. When I pulled my credit report, it was still listed. When I called Equifax, I spoke with a supervisor XXXX  ( XXXX ) who was no help. He just continued to state that the inquiry was not reporting. I explained to him that it was not an inquiry but a collection account. He said there was nothing that could be done since it was not reporting.
Complaint sub-issue: Debt was paid

Alliance One Receivable acct # XXXX, should have been paid by, XXXX XXXX XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just a different County. They never submitted charges to XXXX, and now it is in Collection.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and XXXX have got into the hands of the wrong person.
Complaint sub-issue: Threatened to sue on too old debt

Johnson Mark XXXX is attempting to collect a debt which was outside of the statute of limitations. There was so attempt to contact me with updated contact information. The Law office claimed to have served me or a person at another residence and filed a lawsuit against me even though I was personally not contacted. The law office started to garnish my wages11 years after the account was closed. No additional attempts were made to contact me at my residence. There had not been any garnishment attempts made prior to this. Mark Johnson LLC has not provided me with written documentation of verification of debt, name, address of original creditor, statements, previous payments, or account information.
Complaint sub-issue: Card opened as result of identity theft or fraud

Early XXXX I fell victim to identity theft. The people now have a picture of my drivers license and SSN. XX/XX/XXXX I saw an inquiry on my XXXX XXXX app to Discover Credit Card that was not made by me. I called Discover to dispute this inquiry, but it leads me to an automated system that just asks if I would like to create an account and apply for a credit card. I then tried to dispute the inquiry with both XXXX and XXXX. XXXX states they need an FTC documentation in order to process my dispute. My credit report dropped significantly due to this inquiry.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report.
Complaint sub-issue: Problem with personal statement of dispute

Unfortunately in XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and also XXXX andXX/XX/XXXXmonthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XXXX of the year XXXX. 

It has come to my attention that because of these late payments with XXXX XXXX XXXX I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with XXXX  and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own. I appreciate your time and look forward to receiving a favorable decision from your department soon. 

Regards, XXXX 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 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 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: Card opened as result of identity theft or fraud

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX -XX/XX/2019 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/XXXX my Us Bank Reliacard was declined. This has happened 3 previous times due to fraudulent activity on my account. This time, when I called customer service, the automated service stated all operators were busy, please try again. I have called multiple times a day, every day since XX/XX/XXXX without talking to anyone. I need access to my money!!
Complaint sub-issue: Information belongs to someone else

I was in XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXXXXXX, XXXX. XXXX.
Complaint sub-issue: Account status incorrect

I contacted Equifax roughly around the beginning ofXX/XX/XXXX through their online dispute resolution center regarding a tradeline they indicate as still open even though the tradeline has been closed sinceXX/XX/XXXX. I performed a dispute of the tradeline XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, LA, XXXX, XXXX ( XXXX ) XXXX ). The dispute response was : " ACCOUNT HAS NOT BEEN CLOSED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *Additional Information *Credit Limit *Scheduled Payment. I contacted XXXX, and they confirm that the tradline has been closed. The updated information for the tradline Equifax provided also shows both the date of last payment and the data of closure as XX/XX/XXXX ( XX/XX/XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER ''.
Complaint sub-issue: Reporting company used your report improperly

According to Fair Credit Reporting act XXXX XXXX XXXX Mortgage Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer report agency can not furnish account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I was the victim of identity theft and have been attempting to resolve issues that have now gone on for several years and there are still some items that the credit bureaus and creditors are not removing. I have filed a FTC Identity Theft Affidavit and provided such to all three consumer reporting agencies and the creditors. 

The remaining items I have not been able to get help in resolving are : 1. XXXXXXXX XXXX XXXX, Acct XXXX, Open XX/XX/XXXX and XXXX XX/XX/XXXX which shows a charge off of {$4200.00}. This is not mine and I have provided all parties documentation of this identity theft. 

2. XXXX XXXX XXXX XXXX : Line of Credit XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$26000.00}. This is not mine and I have furnished all parties documentation. 

3. XXXX XXXX XXXX XXXX : Credit Card, XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$6300.00}. This is not mine and I have furnished all parties documentation. 

4. XXXX XXXX : Credit Card XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$4400.00}. This is not mine and I have furnished all parties documentation. 

5. XXXX XXXX XXXX  : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$14000.00}. This is not mine and I have furnished all parties documentation. 

6. XXXX XXXX XXXX  : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$15000.00}. This is not mine and I have furnished all parties documentation. 

XXXX  XXXX : Credit Card. Do not have the account details. Charge off {$5200.00}. This is not mine and I have furnished all parties documentation. 

I have repeatedly sent copies of my request along with a copy of the Federal Trade Commission Identity Theft Report. Under FCRA Section 605B they have no more than four business days to remove or block. This has now gone on for months and months.
Complaint sub-issue: Information is missing that should be on the report

In XX/XX/XXXX We took a loan for XXXX from XXXX XXXX XXXX, which later was bought by XXXX XXXX XXXX XXXX XXXX  for a property located in XXXX County, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
Complaint sub-issue: Their investigation did not fix an error on your report

I file Chapter XXXX bankruptcy on XX/XX/XXXX. My Citi Card L.L. Bean credit card was also iIn my bankruptcy petition. Last month I got an email for my statement. I called them to tell them to stop emailing me I file Chapter XXXX I am in the chapter XXXX clause. I got an email yesterday morning at XXXX with my statement. I told them I am file Chapter XXXX bankruptcy do not contact me that theyre not supposed to contact me. Theyre violating the chapter XXXX laws and they need to be held responsible for their actions.
Complaint sub-issue: Old information reappears or never goes away

I received a copy of my consumer report which has ALLY Financial listed as an open and active installment loan account. This account has been charged off and sent to another outside collection agencies over 3 years ago. ALLY Financial refuses to have it removed from my credit report. They are no longer handling the file, when I called into the number provided no one is able to pull up my account. I spoke with a representative XX/XX/20 to have this resolved in she advise that she will have a letter faxed and sent to my current mailing address as removed. I called today in spoke with another representative to see if the request has been submitted in XXXX told me he could not find any account for me or with the account number on my credit report. This matter needs to be removed or updated accurately.
Complaint sub-issue: Transaction was not authorized

Homedepot debits my account monthly for {$28.00} at least since XX/XX/2020 when I noticed it and have done it on two previous occasions before. I have stopped this twice and they have no authorization to do this. I have messaged them about this twice telling them they had no authorization to do it and included my telephone number in every message to discuss this if needed with no contact.These messages were sent on XX/XX/2020 and XX/XX/2020. At this point I have stopped payment at my bank. Last message I informed if they did it again I would stop payments all together. Still no contact and they did it again. I can't understand how they get away with this.
Complaint sub-issue: Information belongs to someone else

Someone is using my identity information fraudulently to open up different accounts
Complaint sub-issue: Was not notified of investigation status or results

The recent Equifax hack has stated I 've possibly been effected. I 'm upset with the time it took for this company to relay important information to the public regarding the hack. Seems like some insider trading was being done as well if the stories online are true about CEO 's selling off their stock before informing us.
Complaint sub-issue: Account status incorrect

The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid 2017, we have been paying the account outright.
Complaint sub-issue: Information belongs to someone else

There hard credit inquiries that I have not made showing up on my credit report. From the following lenders : XXXX XXXX XXXX  XXXX  CBNATH And also incorrect names showing up on my report for a XXXX XXXX. 

I have tried to get ahold of the lenders but I can not get ahold of any human representative only voice answering machines.
Complaint sub-issue: Debt is not yours

My credit report has been recently affected due to an account I am unaware of going to collections from XXXX. I disputed the account with credit report companies and was told that I owe ATG CREDIT {$250.00} for an unpaid cable bill from XXXX XXXX XXXX. I contacted ATG and they said they could not share any information regarding the bill over the phone and had an email on file that was not mine. They then said they have " disputed '' the charge and will send me the bill through mail. I contacted XXXX  XXXX XXXX and they have never serviced any of the buildings I lived in nor have any information about my " account ''. They looked up my name, addresses and nothing has showed up. I don't understand how I am just not being notified about an account in collections from XXXX. I've never missed a payment on anything. This is clearly fraud and the people at AGT Credit are extremely rude and unhelpful. XXXX  XXXX was extremely helpful in that they searched everywhere for my information/account and nothing showed up. They were eager to help me but had no information about this debt to even understand where to begin.
Complaint sub-issue: Debt was paid

First progress credit card XXXX # XXXX. I paid off balance. Had an agreement with creditor that if I paid balance it would be removed from credit reports.
Complaint sub-issue: Account information incorrect

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX issued a 1099-C for a charged off loan I had in the past. According to the 1099-C I am no longer responsible for this debt and is is considered resolved and unable to be collected upon. This also means the account must be deleted from all credit reporting bureaus. Please do so immediately so this can be resolved. I have attached the issued 1099-C.