Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.
Complaint sub-issue: Debt is not yours

I received a letter from Hunter Warfield XX/XX/XXXX claiming I owe XXXX   XXXX  XXXX. I requested debt validation and sent my documentation proving I did not owe the debt on XX/XX/XXXX and did not receive validation until XX/XX/XXXX after I filed a complaint with the XXXX   XXXX  XXXX  on XX/XX/XXXX. There is a buyout clause in the original contract that states 30 day notice and one months rent which I followed XX/XX/XXXX. Hunter Warfield stated they did not agree with the buyout clause even though I have documentation including contract, 30 day notice, and vacate letter along with certified mail confirmation. Hunter Warfield sent me a contract on XX/XX/XXXX that is a falsified document and my signatures have been forged. I have been in contact with the XXXX  XXXX  XXXX of West Florida since XX/XX/XXXX and have resent all documentation to Hunter Warfield on XX/XX/XXXX disputing the debt again. Today, XX/XX/XXXX they reported as collection account on my credit, bringing my excellent credit score down 85 points. I have all documentation to prove I do not owe this debt and that Hunter Warfield is using a falsified rental contract to report that I owe this debt.
Complaint sub-issue: Trouble with how payments are being handled

Hi, I'm in the loan forgiveness program and my student loans are managed through XXXX. I received a letter on XX/XX/2018 stating my new monthly payment was recalculated for {$450.00}, but on my billing statement it stated I owed : On XX/XX/2018- $ {$230.00} On XX/XX/2018- {$210.00} On XX/XX/2018- $ {$210.00} The XX/XX/2018 letter stated : " Since you are enrolled in Direct Debit, we will automatically extract your monthly payment amount totaling {$450.00}. 

On my billing statements it states : " You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. However, even though you currently do not have a payment due, we will still automatically extract your regular scheduled monthly payment and any additional amount you requested. '' I never requested to pay an additional amount. I've been paying {$450.00}. 

I recently had my payments recalculated because I was having troubles making payments. I have all my billing statements and related letters. 

Thank you for your help and happy holidays! 
XXXX XXXX
Complaint sub-issue: Problem with fees

I've been a credit cardholder of Citibank since I was a college student in 2011. What I thought was a general fee, now appears to be an added fee labeled " Payment Safeguard. '' I have no clue what this means and why I've been charged this fee for at least 2 years without my knowledge or consent. It wasn't until I signed up for XXXX that I noticed Citi was charging me a fee twice. It's unconscionable that a credit card company can just tack on fees without the knowledge or permission of customers. And since I can only look as far back as 2 years, I have no clue what other deceptive fees have been added without my permission in nearly a decade of usage.
Complaint sub-issue: Account terms

There has been an incorrect removal of numerous trade-lines, causing damage to my credit rating. Given the significant weight given by the CRAs in calculating ones ' credit score, the unauthorized deletion of decades of positive trade lines is a gross violation of fair credit reporting practices, to say the least, and actionable by the injured consumer. it seems shockingly inappropriate that the entities charged with a fiduciary duty in collecting and managing the public utilization of credit resources, are able to so negligently permit this to occur, without any mechanism of prevention, to insure accuracy and integrity of the credit reporting function.
Complaint sub-issue: Received bad information about your loan

Called On XX/XX/XXXX, at XXXX XXXX. On hold for XXXX hours and XXXX mins. Spoke to XXXX ID number XXXX. Requested my student loan refund. Told me XXXX business days and it would be in my account. 

Called XX/XX/XXXX, at XXXX XXXX. 
The person I spoke with stated my refund request has been received however, the process is taking anywhere from XXXX weeks to 2 months. But reassured me my refund will be refunded to my banking account. Their system is just overwhelmed. 

Called XX/XX/XXXX, at XXXX XXXX. 
Automatic system told me they no longer service my loan and to call this number.
Complaint sub-issue: Account status incorrect

I bought a car from this company 6 years ago. Upon receiving the car I had to take back a few times because of maintenance issues with the car. Dealership wouldnt fix the car until I reported to the owner. Owner of the company made them fix the problem which is persist the whole time I had the car. I dealt with this problem for 5years of the loan. I was late a few times on my loan and was a great customer. Maybe, the last 5-7 months of the loan I wrecked the car. I was out of work for a bit due to the wreck of the car. I owed around 900 of a XXXX loan and was to the end of the loan. Company was mad for me not paying the XXXX. That I owed! My plan was to pay in one payment when I received my payment for insurance. My car was reported as a charge off before 180 days of a reporting time for a charge off. I talked with someone from the company but didnt get it in writing thinking they would delete the information once paid. I was a great customer and paid my car up until the end of the loan. I only owed XXXX and I felt I was done wrong for that payment. I was stuck with a charge off on my record for 6 years now and I have been getting jacked up loans because of this treatment. This company wouldnt approve me for a new car but sent a letter 6yrs later saying Im approve for a car. The way this company treated me for XXXX I would never send a family member to them. I think the prey on people with bad credit and treat them wrong when someone falls on hard time. I didnt deserve 6years of charge off on my account for XXXX dollars I paid. Would have been nice to Have this removed so I can move on with my life. If I would have known not to trust a company when they put charge off and say they would erase once received payment. Next time get it in writing on anything they say over the phone.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax Data Breach/ Identity Theft all is being investigated by the FTC XXXX According to FCRA 605B this information must be blocked immediately until the investigation over
Complaint sub-issue: Debt is not mine

In XXXX 2015 a collection agency called XXXX XXXX XXXX reported to the Credit Agencies a debt collection for the amount of {$470.00} from XXXX which a disputed and reported to CFPB and it was resolve. 
In XXXX 2015 a new debt collection agency called AFNI is trying to collect the same debt of {$470.00} from XXXX and reported to the credit agencies again
Complaint sub-issue: Their investigation did not fix an error on your report

EquifaxandXXXXissupportingXXXXXXXXonleavingabusinessaccountonmypersonalcreditreport.IdisputedsomanytimeswiththemandunfortunatelytheyrefusetotakeitoffbyallowingXXXXXXXXtosayforthemtokeepitthere.Pleasehelpme,mybusinessnamewasXXXXXXXXXXXXXXXXandunfortunatelyitisnotinbusinessanymorebecauseitdidn'tbringenoughrevenue.Thankyou!!!XXXXXXXX.
Complaint sub-issue: Problem using a debit or ATM card

I've been trying to get my bank to let me transfer money out of my account and it won't let me do squats it's getting really agitated not being able to do what I need to do with my own account
Complaint sub-issue: Was not notified of investigation status or results

I have mailed in letters several times to XXXX, XXXX and Equifax in regards to my account with XXXX Account # XXXX. Starting in XX/XX/2020 up until XX/XX/2020. I have gotten some responses which I will attach. Yet inconsistencies remain on my report for XXXX. For your convenience I am attaching the latest response from each bureau. I will also list the issues I see. 

1. Date of first delinquency is missing 2. Purge date is not listed 3. Full payment history is not listed, specifically scheduled and actual payment amount.

4. Closed date is not listed on Equifax or Experian According to your own industry standard which is the Metro2 the above information must be reported.

I do not see an actual proper re-investigation completed after addressing the issues set forth.
Complaint sub-issue: Account status incorrect

From XX/XX/2020 to present I've submitted disputes to XXXX XXXX  and XXXX  regarding my XXXX XXXX Account reporting past due for the month of XX/XX/2020. XXXX   provided me with a letter dated XX/XX/2020 that they was removing the last reporting and contacting the three credit bureau. See letter attached. When closing on my home, I was unable to close and lost monies because XXXX XXXX who confirms they received the letter stated the last four digits of the account number was no the same on the report. I submitted the dispute and they indicate that XXXX XXXX never responded to the dispute. It is my understanding that if no response is made within the 30 days then it should automatically be removed. XXXX XXXX is stating this is incorrect. 

I contacted XXXX XXXX  and explained that the letter had a different account number. According to XXXX XXXX, new account numbers were sent to cardholder once they took over and the account number should not matter because the old account number is linked with the new account. Old account number XXXX and new account number is XXXX None of this is making sense, but I know that I've lost my deposit for closing due to no one complying with the Fair Credit Reporting Act.
Complaint sub-issue: Problem with fees

After reviewing my Best Buy/CITI visa statement, I have been getting charged a debt protection fee since at least XXXX of 2018. The accumulated total for those fees since XX/XX/2018 is {$450.00}. I never agreed to any type of protection service and I am not exactly sure when this fee started to appear on my statement ( I can only go back to XX/XX/2018 ). I recall a similar incident with Best Buy some time ago before the Best Buy credit card transitioned to a CITI Visa. I asked them to remove the protection and credit me back and they did. Today I spoke to Best Buy and they agreed to remove the protection going forward but a refund would have to wait 30 days to see if it was approved or not. So they have been charging this fee for nearly 2 years but I have to wait 30 days to see if they will approve crediting me back. There are no guarantees it will be credited back to me and from the research I have already done, it appears most folks are not successful in receiving a refund from Best Buy.
Complaint sub-issue: Information belongs to someone else

I have three accounts on my credit report with XXXX XXXX  XXXX that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.
Complaint sub-issue: Problem with customer service

Nelnet Student loan servicing is deceiving me.

I have been fighting this loan since XX/XX/2016. This was not my loan, everytime i told a lender that they would sell my loan to a new lender and then i would have to start the entire process over. When nelnet called me in XXXX, i tried to explain they didn't want to hear it. I asked for a forebearance. It was granted. When the forebearance was up in XXXX, i still wasn't able to afford the payments, due to living costs, IRS payments, etc ... I am financially drowning and i have to pay a debt that someone else benefited from. In XXXX before the first payment was due, i requested a lowered amount, they stated that i would be charged $ XXXX/month for 12 months. I again stated that this wasn't my loan and i was told that i had to comply with it or get my wages garnished. They made me accept the terms on a recorded line when i responded to their disclaimer with : " it's not my loan but okay '' they said all i could say was yes or no. If i said no, they would take legal action. I have tried to talk to them but i get disrespected on the phone and by email they want my SS #, this is the way ID fraud starts ( it's happened too many times to me ). I am beat down by this and want a resolution. I can't afford this right now.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX, I sent a dispute letter regarding inaccurate and unknown things on my consumer report. Til now, 50+ days later, I have yet to receive a response. I feel Iike Im being taken advantage of and ignored regarding my disputes. Section 611 ( A ), it is plainly stated that a failure to investigate such claim within 30 days gives reason to immediately remove such items from my consumer report. It has been 50+ days and shall be deleted promptly. Furthermore, under the FCRA the consumer reporting agency, Equifax is required to include that such account has been disputed by consumer. Because this has not been reported to my consumer report, this is also a violation under 15 USC 1681 ( i ). I demand these accounts be deleted immediately or I will file for litigation due to the stress and issues this has caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

I, XXXX XXXX the consumer have sent multiple dispute letter to Equifax stating the removal of all accounts attached to my credit file. Apparently the do no follow the Fair Credit Reporting Act because information put on my report that I never gave written consent for. At this stage in my life I am starting a family and they have me XXXX up, I would like to purchase a house but because of my credit report it is causing me great stress just to get help purchasing it. I recently sent the another notice as of XX/XX/21 via certified mail, including a bill of particulars in the amount of 48,000 $ for multiple violations that have occurred. The blatant disrespect to me as the consumer has given me no other choice but to file this complaint. They are not following the upholding Fair Credit Reporting Act at all. It is not fair to me and my family, this is the last step I take before going to court.
Complaint sub-issue: Information belongs to someone else

Hello Equifax : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior Equifax security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to Equifax 3 times and they told me to reach out to the companies which I also did and they have pointed me back to Equifax. Back in XXXX 2017 there were some unauthorized credit inquiries on my credit report. I have told them to provide documentation with my signature which they have not been able to provide. 

The companies are : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ( twice ) & XXXX XXXX. 

I am getting nowhere between these companies and Equifax and I have had enough!
Complaint sub-issue: Information belongs to someone else

Equifax is not doing the best to verify info before report it They still reporting XXXX  XXXX XXXX  account even it is not mine. They claimed that they verified this account with creditor but they did not verify it using my social security number which they fail to make sure they have 100 % an accuracy.
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/XXXX and XX/XX/XXXX, I hit a financial rough patch. A lot of this was due to unstable income due to XXXX XXXX  jobs I was performing. In XX/XX/XXXX, my car was repossessed. I quickly redeemed the repossession and had my car back within 72 hours. 

For 7 years, this haunted my credit report. In XX/XX/XXXX, I was giddy that the FCRA enabled this mishap to no longer limit my financial freedom. 

However, it required a complaint with the CFPB on XX/XX/XXXX to get the auto lender to respond on XX/XX/XXXX to me and the CFPB with : XXXX XXXX will honor ( my ) request to remove the redeemed repossession comment from his credit report. We asked XXXX XXXX to allow up to 30 days for the update to be reflected in his credit file. 

As of XX/XX/XXXX, this information was still present on at least one of my credit reports ( Equifax ). I have filed complaints with Equifax to no avail. 

The FCRA provides for this information to be removed from my credit reports. It has been removed from at least one and hopefully after this complaint from all 3.
Complaint sub-issue: Problem getting your free annual credit report

At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Firstly, I am writing this complaint on my own behalf. There is no 3rd party involved. I am a victim of identity theft. XXXX XXXX  XXXX XXXX is attempting to collect a debt on behalf of FLAGSHIP CREDIT ACCEPT. Both of these companies are reporting the same alleged debt on my credit report in violation of my consumer rights. I have asked for validation of debt from both companies. Only XXXX XXXX  XXXX XXXX responded. They sent me signed contracts and other information. The person on the driver 's license that initiated the credit is not me. I have sent multiple letters with the police report describing the robbery I was involved in where my wallet was stolen which contained my social security card, driver 's license, along with other sensitive personal information. I have also sent them a copy of my current driver 's license multiple times in dispute of this alleged debt. This one debt is still being reported to my credit report multiple times. It has been very damaging to my reputation and my ability to secure credit. Also this alleged debt is over 7 years old and shouldn't even be reporting to my credit report.
Complaint sub-issue: Problem during payment process

Key Bank has recent late payments reporting on my credit report and I have never been late. I have attached enough information to prove they are in error. They have adjusted so many fees and " supposedly '' fixed my account so many times that I gave up using them. I paid my account off and took all my other money out and closed all my accounts with them. You can see how they kept adjusting fees but the account still continued to show past due amounts growing larger and larger which is crazy because I was never late! 
I have contacted my attorney and the next correspondence will be from him.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XX/XX/XXXX credit card inquiry Discover bank XX/XX/XXXX credit card inquiry XXXX XX/XX/XXXX credit card inquiry These transactions were not done by me and I need them removed from my credit report.
Complaint sub-issue: Account status incorrect

I contact the Equifax credit reporting agency to inform them that 1 ) the  information reported by XXXX XXXX XXXX aka XXXX is intentionally isleading and false. I to ; d them Ive traveled back to TN to address and resolve the issue, Ive notified their property management company XXXX XXXX executives all issues I addressed in my complaints and filed with the courts, and the fact I won a judgement and it is final, against the XXXX XXXX XXXX dba  XXXX XXXX XXXX. I requested that bothEquifax and the XXXX XXXX XXXX  ( by way of XXXX XXXX XXXX XXXX ) remove this negative file from my credit report. Now, Im filing this complaint against Equifax, since they are refusing to remove this from my credit report. I provided Equifax the certified judge, ent, the action filed ( that I won ), and all supporting evidence.
Complaint sub-issue: Debt is not yours

I spoke to FMA alliance and informed them that this was my maiden name and has not been used in over 40 years.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have called and disputed with Equifax and disputed online which i will attached documents as well police report. They keep coming back in 10 hours stating its mines when it's not.. I would like thgese inquires removed ASAP Delete all three inquires asap DELETE ALL THREE INQUIRES ASAP LIKE NOW BECAUSE NO PROOF CAN'T SUPPLY PROOF BECAUSE I DIDN T APPLY EVEN THE CREDITOR STATED THEY HAVE NO KNOWLEDGE OF MYSELF APPLYING FOR CREDIT WHEN I CALLED. YES I CALLED ALL THREE CREDITOR