Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

XXXX is a finance company in XXXX MI with XXXX XXXX. I have a loan with them from XX/XX/XXXX when I purchased a XXXX vehicle for XXXX XXXX. As of XX/XX/XXXX and other numerous occasions, collections manager XXXX XXXX and account representative XXXX XXXX have misused my personal information and pulled my credit report either days before my car payment was due or two to three days  after. XXXX says she does not know why XXXX pulled my report but she will ask her why. XXXX also stated the other credit pulls were " justified ''. I asked her how is using my social security number whenever they please and also without my consent, signature etc. justifiable and she did not reply. I have everything in writing emails. I refuse to make payments if I am going to be harassed for no reason and have my personal information misused and compromised. I still made the payments. I even put {$400.00} more to put me ahead on the next payment. XXXX " adjusted '' my payment and took {$100.00} out of the {$550.00} payment and put it towards their " cpi insurance ''. I do not have CPI insurance or proof of such so I am not giving them free money when my APR is already at 22 %. XXXX typed a Word document that has an Ohio company name on it. This company and its workers are a scam and a fraud and should not be in business whatsoever.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : VERIFIED INFORMATION NO EXPLANATION NO UPDATED REPORT WITH ANY EXPLANATION OR DETAILS ON INVESTIGATION XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : VERIFIED WITHOUT ANY CHANGES OR EXPLAINATION. 

XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : NO CHANGES MADE NO INFORMATION PROVIDED XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : NO RESPONSE ALSO I QUALIFIED FOR ACCOUNTD TO BE DISCHARGED. THE AMOUNTS WERE REMOVED NOT THE DERROGATORY INFORMATION. ALL DERROGATORY INFORMATION MUST BE REMOVED IMMEDIATELY OR DELETE ACCOUNTS ALTOGETHER. 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY
Complaint sub-issue: Debt was paid

I had been a XXXX wireless hotspot customer for over 8 years as of XX/XX/2017 ( see Attach # 1 ). I experienced service quality issues including an unexplained account number change ( See Attach # 4 and # 5 ). I found that XXXX offered a better product, 10GB of wireless hotspot service for {$10.00} a month, compared to the {$50.00} a month for 5GB that XXXX charged. I decided to switch providers. 

On XX/XX/2017 I called and spoke to a XXXX representative. I asked her to email me so I had her contact info to confirm our conversation ( See Attach # 2 ). I asked for my final closing balance on my XXXX account and then I asked her to close out my account. I was advised that the closing balance was {$91.00} and that my account would be closed. I paid the amount and XXXX deducted the payment from my XXXX XXXX XXXX XXXX ( XXXX ) account four business days later on XX/XX/2017 ( See Attach # 3 ). 

I believe that the unexplained account number change may have contributed to any posting issues related to my final payment. All further contact with XXXX confirmed that my account was closed. When I went to their website it advised me that it was closed. If I called them, I was told I no longer had an account with the company and there was no invoice to pay. The {$53.00} amount ( See Attach # 4 ) they later sent to collections was either in error or would have already been included in the {$91.00} payment I made to close out the account. 

I paid the collection company the {$53.00} again to stop the dispute notices, and I filed a dispute with the XXXX  credit agency ( See Attach # 5 ). The bill was sent in error on an account that could not be accessed, for a service that was no longer being provided or used.
Complaint sub-issue: Problem cancelling or closing account

Several years ago I paid a fee to place a credit freeze on my account with all XXXX bureaus in order to protect against ID theft. I do n't believe I received a PIN from any - I 'm very good about recording these. I am trying to refinance my house. XXXX and XXXX provide the ability to immediately reset a PIN on-line or by phone. Neither charges a fee. Equifax provides no on-line PIN recovery ability and provides no way to contact them by phone. The only recourse is to mail a request with a check for {$10.00} to get a new PIN, which I did on XXXX/XXXX/16. It took them until XXXX/XXXX/16 to process and cash my check, which I verified through my bank. It is now XXXX/XXXX/16 and I still have not received a new PIN. According to the re-finance company trying to pull my credit, because I am frozen on Equifax, it blocks access to reporting from the other bureaus. Due to this indifference and/or incompetence by Equifax, my wife and I are now blocked from any activity that requires a credit search. I need Equifax to respond immediately and they should be required by CFPB to provide an on-line means for immediate unfreezing and phone support. Thank you for your assistance. 

PS - I sent my request to Equifax Security Freez, XXXX XXXX XXXX, XXXX GA XXXX
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2018, i responded to Citibank 's {$400.00} checking account package promotion ( promotion code XXXX ) and opened the account package ( both checking and savings ) online. Per the promotion term, deposit $ XXXX and maintain for 60days, and the {$400.00} bonus will be deposited WITHIN 90days. I satisfied the requirements on XX/XX/18 but as of today i still have not received the bonus. In the last 3 months i have contacted citi multiple times and each time i was assured that i had met the requirements and would receive the bonus in the following month, but it just never did. Two and half weeks ago when i called their 1-800 number and this time the rep gave me a concrete date. He said i should see the bonus by XX/XX/2018. XX/XX/XXXX passed and yet again no bonus. So i chatted online with Citi again last week asking them to investigate but she refused. She said they won't do anything unless i contact them after XX/XX/18! I can't believe more than 5 months now and they are still giving me the run around!
Complaint sub-issue: Didn't receive enough information to verify debt

I disputed this inaccurate account a long time ago and Jefferson Capital still has never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the item must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.
Complaint sub-issue: Problem during payment process

my complaint since XXXX of XXXX was why XX/XX/XXXX was returned? 

My bank has record of fund received for 24 hrs then returned. I received no alerts of return payment.

Citi bank personal account records show. 
{$31.00} beginning balance * XX/XX/XXXX Mobile Purchase Sign Based XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX Restaurant/Bar {$23.00} remaining balance * XX/XX/XXXX ACH Electronic Debit XXXX XXXX XXXX  XXXX {$6.00} end balance * XX/XX/XXXX Returned Insufficient Funds - ACH Txn By returning the payment Macys then charged additional fees. 
{$24.00} ytd fees XX/XX/XXXX statement on {$10.00} alleged balance. By XX/XX/XXXX statement a {$110.00} charges on the {$10.00} balance. 
This was disputed in XX/XX/XXXX and Macys should have of investigated and stopped collections but continued to add fees until I finally paid {$16.00} in XX/XX/XXXX. My account say in dispute on Macys.com.
Complaint sub-issue: Their investigation did not fix an error on your report

In CFPB complaint number XXXX against XXXX XXXX for selling inaccurate data about me to other companies was closed with company response on XX/XX/2022. In that response both bankruptcy records they sold to XXXX, Equifax and possibly XXXX XXXX was indeed inaccurate and erroneous, in turn they removed both records. On XX/XX/2022 XXXX responded to my dispute of these items that the supplier of the information ( XXXX ) CERTIFIED that the data was correct and belonged to me. I am wondering if these items were removed by XXXX from their records how could they certify these same items to XXXX 9 days later? It is clear XXXX is WILLFUL in the neglect of the inaccurate data on my credit report. I want it removed immediately! They have 10 days before I file lawsuit.
Complaint sub-issue: Information is not mine

I filed a police report locally and with the FTC for Identify theft. I sent all the necessary information to Equifax by registered mail and they are required to block this fraudulent information on my report within 4 business days pursuant to section 605B of the FCRA and it has been 30 days and it is still on my report. My Equifax dropped XXXX points because of this identify theft. Along with the reporting officer we called XXXX and talked to XXXX, operator XXXX and she said to us on the phone and it is recorded in the police report that it is not my debt and she said she would contact Equifax and tell them. Nothing has changed on my report!
Complaint sub-issue: Attempted to collect wrong amount

I have a commercial loan that is being serviced now by Fay Servicing LLC. They have incorrectly increased my escrow amount by {$300.00} a month as a result of being unable to read an insurance policy. I communicated with them on XX/XX/XXXX and they told me they were going to fix it after I read the policy to them. However, it is still not fixed. 

For another loan they did not pay the insurance timely and the insurance would have been canceled if not for our efforts and loaning them money.
Complaint sub-issue: Trouble with how payments are being handled

FedLoan Servicing seems to have a practice of deliberately delaying the processing of my XXXX XXXX certification. I submitted my XXXX XXXXt recertification request in XXXX XXXX. I did not receive a recalculated XXXX payment amount until XXXX XXXX, XXXX when my monthly payment was calculated at {$820.00} ( a very high payment, but that 's a separate issue ). Despite having recalculated my payment, fedloans billed me {$3100.00} for the next two months, which I could not afford to pay. 

FedLoan Servicing forced me into forbearance in XXXX, XXXX and XXXX XXXX by delaying the processing of my XXXX payments and thereby prolonging the amount of time before I will be eligible to apply for XXXX XXXX XXXX XXXX ( XXXX ). 

I took a public service job instead of pursuing a more lucrative legal career because I relied on the promise of public service loan forgiveness to make up for the fact that it would cost over {$3000.00} month to pay off my student loans in a timely 10-year plan. By delaying my ability to make qualifying payments and capitalizing interest during those delays, they are making it financially more burdensome to participate in the XXXX program. I enjoy public service and working in the public interest, but I am worried that these delays are going to keep happening and I will never be able to be free from student loan payments.
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed ERC Collections many times off of my credit and they have continuously stated that this debt is verified. I have asked for proof of the validity of the debt but have yet to receive it. I want to know what they used and how they are proving that this debt is verifiable.
Complaint sub-issue: Old information reappears or never goes away

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Complaint sub-issue: Information belongs to someone else

I have my credit report frozen and a fraud alert on my credit reports and yet for some reason on my Equifax report it shows that XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX, On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX On XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX BANK XXXX XXXX XXXX all ran my credit it and it shows up on my credit report. I have filed a dispute with Equifax and they replied with the information on my credit report is valid. When in fact it is not valid and I am a victim of fraud. 


XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Soft Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Account XXXX XXXX XX/XX/XXXX EQUIFAX Automated XXXX XXXX XXXX XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX CAPITAL XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX BANK Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System All credit inquires on my report were not my doing and yet they still keep them as valid. 
I have also filed a dispute about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX and was also told this too was valid!!
Complaint sub-issue: Debt was result of identity theft

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX or have used this phone carrier. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Complaint sub-issue: Received bad information about your loan

Right out of XXXX XXXX I owed approximately {$150000.00}. I could not afford the full payment which would have been almost {$2000.00} so my loan was immediately put on an Income Drive Repayment plan. Over the next 8 years it kept getting renewed and I was told that at the end of the 20 years my debt would be forgiven. About 2 years ago, I was advised that the best was forgive but not the interest. At that point, the interest had amounted to approximately {$150000.00}. So although I was paying {$700.00} a month, none of it was covering the principle and the interest just keep getting high and higher. I was able to consolidate the Fed Service Loan with XXXX private loan, but now I owe {$300000.00} ( the original loan from 10 years ago, plus the interest ).
Complaint sub-issue: Their investigation did not fix an error on your report

There has been 3 main issues with XXXX XXXX Initially they did not have a phone number to call and fix my payment issue. 

When I finally got a hold of them they put in my payment info in incorrectly I paid it off in XXXX and they continued to put additional lates on my credit after balance was paid off Because of the issues above they have put lates on my credit report and they need to be removed
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX ( Dispute # XXXX ) I submitted a dispute for the following inquiries on my credit report. 
( XXXX XX/XX/XXXX ) ( XXXX, XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX ) Equifax completed the dispute in less than XXXX without a full or fair investigation. Nor did they provide proof that these inquiries belonged to me. Equifax did not follow the rules under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).
Complaint sub-issue: Personal information incorrect

I like to order a full Core Logic report, I believe there is some misinformation on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP!

Account Bal. {$8500.00} Account # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing with Equifax for over six months and I have received any information regarding this incorrect information. I have proven that these accounts are inaccurate and Equifax continues to report on my Credit. This is ruining my life.
Complaint sub-issue: Information belongs to someone else

contacted credit reporting agency about incorrect items on my report. 
informed them that i was victim of identity fraud and to remove the inaccurate data
Complaint sub-issue: Information belongs to someone else

XXXX  / XXXX listed on my other accounts this is a fraudulent account I dont think is even a legal agency I had ask them and mailed letters with identification to provide proof of this collections with no response I am not at all responsible for this collections and cant find this company anywhere I believe this was fraudulent submitted in my name and will ask EQUIFAX to remove this from my report immediately!
Complaint sub-issue: Funds not handled or disbursed as instructed

I am unable to connect my account with another financial institutions. Specifically PNC refuses to link my account to my XXXX  account.
Complaint sub-issue: Other problem getting your report or credit score

I have been denied credit because the creditor can not access my Equifax credit report and score. The creditors were able to obtain my XXXX  and XXXX files with no issue. I have contacted Equifax on several occasions over the phone to resolve this issue. I am in the midst of a home acquisition process, and the mortgage officer needs the 3 credit scores to proceed the home loan approval. So, TIME IS OF THE ESSENCE. 

This problem started in early XX/XX/2019 when I initially tried to pull my Equifax report from XXXX. The website asked me security questions totally unrelated to my credit history ( loans that I never had ), and afterward informed they were unable to access my file. So, I tried to pay and pull my credit file directly from Equifax website, with no success ( had the same identity verification issue ). So, I decided to call Equifax Global Customer Care ( XXXX ), which requested me to e-mail ( XXXX ) a cover letter with personal data, copy of DL and SSN in order to verify my identity, which I promptly did on XX/XX/2019, XX/XX/2019 and XX/XX/2019 and ( Case # XXXX, Case # XXXX, Case # XXXX ). 

A couple of days later after many back and forth e-mails and getting no response, I called the CSR back again, and I was advised that I should MAIL or FAX, and E-MAIL was not acceptable ( which made me wonder why the customer rep requested me to email the docs in first place ).

Again, I promptly did and faxed Equifax my DL, SSN and other personal data ( DOB, address, phone number ) on XX/XX/2019. Equifax mailed a confirmation letter # XXXX on XX/XX/2019 acknowledging the receipt of the cover letter and informing my credit file was updated with the information I provided. 
At that point, I thought the issue was resolved, but after a couple of weeks, I tried to pull the report with no success. For the 3rd time, I called the Global Customer Care on XX/XX/2019. The customer rep informed they received my cover letter, but my credit report was still unavailable (???? ), and to make things worse, the CSR requested me to mail AGAIN a cover letter! 

I did it again on XX/XX/2019. This time I attached several bills ( gas, electricity, water, internet, credit card, mobile ) with variations of my Last Name. I wonder if this issue is because as I have 3 last names ( FirstName Middle1 Middle2 Suffix ) and Equifax report only considers 1 last name ( FirstName Middle1 ), while XXXX  and XXXX  consider my all 3 last names.

So, I am being diligent and taking all types of actions on my side to resolve this issue as quick as possible. I am tired of sending them letters, personal documents and nothing seems to move.

Please help!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ; XXXX 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.