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

I have been in the PSLF  program for years and am still having difficulty getting FedLoan to count my years that I have been employed in public service toward my loan forgiveness count. Today I called to inquire about the discrepancy between several of my loans being calculated for different amounts of time. The customer service representative was rude, and unhelpful as has been my experience many times. I was told that my loans had not been consolidated by XXXX even though I was led to believe I had followed the process for that to happen initially when I began repayment through XXXX. I'm honestly unsure of who mishandled my account, but I do know I have been given misinformation by both parties which has led to my PSLF forgiveness being miscalculated. There have also been times where I was informed that I was under a qualifying income based repayment plan only to later find out they were calculating as under forbearance. I have been employed under a PSLF qualifying job for almost 10 years and they are only calculating 65 months towards certain loans and 35 for other they say I had not consolidated. Both companies told me I had completed the process to consolidate and FedLoan took nearly a calendar year to process moving my loans from XXXX which has also negatively impacted my months towards PSLF loan forgiveness. There is no reason that some of my loans should be calculating for a different amount of time than others and I should have at least 7 years paid in by now.
Complaint sub-issue: Problem getting a working replacement card

Applied for shell credit card was told it was shipped on XX/XX/XXXX have never received the card a XXXX later. Called XXXX times customer service is rude and hangs up on you said they couldnt help me due to changing my number after I applied for the card said I have to wait for letter with reference number got the letter XXXX XXXXXX/XX/XXXX called gave reference number asked to have a new card shipped XXXX employee number XXXX at XXXXXXXX XXXX XXXX said it was all taken care of and hung up on me not sure if he updated my phone number and if he sent me a replacement card this is ridiculous customer service and illegal to run my credit and never send me my credit card my account ends in XXXX. 

Thanks XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Collections XXXX XXXX XXXX {$3200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3200.00} High Balance {$2900.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX {$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$250.00} High Balance {$250.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$120.00} Remarks Paid collection XXXX XXXX   XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3200.00} High Balance {$2900.00} Remarks -- XXXX XXXX XXXX XXXX 
{$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$250.00} High Balance {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1000.00} High Balance {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
{$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$120.00} Remarks -- all filed to ftc
Complaint sub-issue: Account status incorrect

I noticed on my credit report XXXX XXXX which Jefferson capital bought the debt. It appears on my credit report as an collection which they never validated the debt claiming I owe. I tried disputing online but it doesnt help. They say I owe {$1000.00} and I reached out several times but nothing is being updated.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, XXXX XXXX made an erroneous hard inquiry on my credit with Equifax. The Inquiry was referece number : XXXX for XXXX XXXX, application for XXXX XXXX XXXX XXXX. 
THE APPLICATION IS A FRAUD AND AN ATTEMPT AT IDENTITY THEFT. 

1. I am not, and have never been associated with XXXX XXXX. 
2. XXXX XXXX does not operate at the address provided. That is my residence. 
3. The Tennessee Secretary of State has no record of a XXXX XXXX in the state. 
4. I have never applied for a XXXX XXXX Credit Card or other credit from XXXX XXXX in any way. 
5. This application is absoultely not mine. 
6. I did not authorize XXXX XXXX or XXXX XXXX to do an inquiry on my credit. 
7. XXXX could not possibly prove that this is a legitimate request for credit that I made, because I did not make it. 
8. I will not quit disputing this until XXXX XXXX retracts the hard inquiry from Equifax
Complaint sub-issue: Information belongs to someone else

I have a company XXXX XXXX reporting a collections account on my credit report for Equifax which is incorrect and does not belong to me. I have tried to communicate with this company with certified letters to get them to either prove the debt is mine or remove it from my credit report. First letter was sent XX/XX/XXXX signed for on XX/XX/XXXX the company did not respond other than to place a disclaimer on my credit report that I disputed the debt. I sent a second certified letter to them on XX/XX/XXXX signed for on XX/XX/XXXX and since I had not heard anything. Therefore I filed a complaint with the CFPB reference complaint # XXXX in which this company responded to them they are not the company to address my complaint with. They are the ones reporting on my credit report not any other company. Since the collection account showed up on only 2 of the 3 bureaus I called XXXX  and it was removed because it is inaccurate reporting. I tried to address this with Equifax with no luck so I am hoping that filing this complaint will get it removed from my Equifax credit report. If the company is reporting it but claiming to the CFPB that they are not the company to provide me proof the debt is mine then it is inaccurate and needs to be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my Equifax report, I have requested in writing twice now for Equifax to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account ASAP.
Complaint sub-issue: Account status incorrect

I 've been on the Income Driven Repayment Plan for 3 consecutive years. I had re-submitted my annual documents in a timely manner for the Income Driven Repayment plan, so I can remain enrolled. However, XXXX XXXX XXXX DID NOT process my renewal properly, and as a result my credit score declined 100 plus points. I 've contacted XXXX XXXX XXXX about this issue. They have only assigned my Account as current, yet, they have not removed the PAST DUE dings on my credit. I now have 10 student loan accounts they have negative markings, resulting in a lower credit score. Please help me with this matter. Thank you, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.
Complaint sub-issue: Account status incorrect

I have paid my debt with credit cards with the bank of XXXX Bank and this still show with balance, when was paid off. I need this to be deleted from my credit since it is preventing me from purchasing a hosue or my family. I have done everything I was requested for and still the main three credit reporting companies will not delete this collection. please verify the debt and delete this, help me from hurting my family. We need a home.
Complaint sub-issue: Account information incorrect

Equifax is not correcting personal information or deleting incorrect accounts that do n't belong to me. For instance they are reporting an  XXXX   XXXX   XXXX  account and  XXXX   XXXX   XXXX  and a Treasury that are incorrect, and they must remove the incorrect information. What Equifax has been stating instead is that the customer disputes the information.     My student loan is being held up because of this.
Complaint sub-issue: Their investigation did not fix an error on your report

I was having a problem paying down my CC I called XXXX XXXX and asked them to work with me and set up a payment plan. 
They set up automatic payments that they pull from my bank monthly and they are till reporting me late to the bureau I have called numerous times and asked for a letters saying I made my payment and to please assist with this problem
Complaint sub-issue: Confusing or misleading advertising about the credit card

Home Depot credit card offered by Citi Bank advertise a promotion of 6 months interest free on balances but when promotion expired company charged deferred interest to my account. Large lump-sum interest was added to my account. This practice should be illegal. How are they allowed to do this after what happened with the financial market back in 2009?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 16 U.S.C 1681 section 602 A. States | have the right to privacy. 16 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: Account status incorrect

In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX  XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX  but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX  but they did nothing but remark my account.
Complaint sub-issue: Information belongs to someone else

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Debt is not yours

In XXXX of XXXX I was sent a letter stating that I owed a debt to " XXXX XXXX XXXX XXXX '' This debt was not mine and after speaking with a representative from XXXX XXXX   they could not verify why I was being contacted in regards to this debt. I spoke with the contact person for XXXX XXXX XXXX and explained to them the situation. After over an hour on the phone they told me that my dispute had been registered and that I would no longer receive any communications regarding this supposed debt. 

There is nothing that ties me to this supposed XXXX  XXXX  account other than my name. I have not lived in the state that the supposed package was shipped to and have never been to this state in my life. 

Today, XX/XX/XXXX of XXXX, I received a letter from XXXX XXXX XXXX in reference to the same charges from " XXXX XXXX XXXX. '' This is not my debt and I will be sending XXXX a written letter stating as such. However I would like my complaint to be filed so that I have recourse if XXXX does not accept my refutation of the debt as valid.
Complaint sub-issue: Other problem

The custody of my HSA account transferred from XXXX to Optum Financial on XX/XX/2022. I had a pending {$340.00} Credit to my account at XXXX that became a permanent credit as of a letter received XX/XX/2022. On XX/XX/2022 I called Optum Financial to ask them to transfer the {$340.00} that was apparently " stuck '' at XXXX. I was assured that the funds would be debited from XXXX and credited to Optum and was provided case # XXXX. The funds were debited from XXXX on XX/XX/2022 and were never credited to Optum. On XX/XX/2022 I called Optum and requested status but there was no record of my previous requests so I submitted a new case # XXXX and provided a copy of the letter I received from XX/XX/2022 showing the {$340.00} credit was permanent. I was told the credit would apply to my account in 3 business days. On XX/XX/2022 and XX/XX/2022 I called both Optum and XXXX and both at the same time on a conference call. Neither bank shows any record of the {$340.00} ever being credited to me.
Complaint sub-issue: Debt was paid

Debt was handled in 1999 and has been solved to many collectors over the past 15 years. I have explained this to each one they are buying dead leads.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX I submitted a dispute to Equifax with proof that one of the accounts listed on my credit report was not valid. I requested that they remove the account but they did not and only parroted the same response from my last dispute. I do not believe they investigated.
Complaint sub-issue: Reporting company used your report improperly

Hello, Recently I was part of the Equifax credit information hacking. It really astounds me that a private company can stand to profit from their own mistake in that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax. 

Additionally, I would like to know why it took them months to tell us ( not even personally, only by news outlets )? 

Thanks
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I submitted a letter from XXXX XXXX XXXX as supporting documentation for a dispute. I then received a letter Equifax in which Equifax is refusing to review/investigate the additional documentation.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY AND PHOTO ID TO APPLY FOR THESE FRAUDULENT ACCOUNTS AND FILL OUT APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Reporting company used your report improperly

Hi, I was looking for to apply for the loan for XXXX XXXX XXXX. It was XX/XX/22. 
I registered my account on Salle Mae website to get more information on loan requirements. 
When I registered on their website it was no clear data on loan application processes. 
I noticed that it was some misconduct and negligence involved when I filling out my application online. 
1- when my application was completed many of the fields in application was empty such as my work history, education level and etc.

2 - My application was declined based on my origins, and its in official report, which is contradict their own rules. When they posted decision of my loan it was specifically said that my loan was declined because national origin! And I know they can not discriminate loan applicants based on place of nationality!!! 
Conclusion : -My loan was declined based on national origin. 
- My loan inquiry was reported to XXXX XXXX services which effected my XXXX XXXX XXXX -they knew I will not be qualified for loan, but they still proceeded my application which caused my XXXX XXXX goes down - and Im feel being Discriminated by their financial institution. 
Solution :- they should cease and desist in their further harmful actions which effected my life and my financial stability. And take all false information from credit reports.
Complaint sub-issue: Information is not mine

XX/XX/XXXX I found accounts that were in collections and inquiries on my report that I did not authorize, had no knowledge of and did not belong to me. I contacted the FTC filled out an Identity theft affidavit and filed a police report. I placed a freeze with each credit bureau and started contacting the fraud department of each creditor. I sent my police report, letter from the police department, proof of identity, FTC affidavit to each creditor and the credit bureaus. XX/XX/XXXX all items were sent again to each credit bureau for all items and inquiries that I was still disputing. Equifax is refusing to remove information from a Creditor XXXX and inquiries stating because it is being validated as mine by the collection agency and the creditors, However when the collection agency XXXX was contacted they stated that they never received anything except the police report from the credit reporting agency. Equfax is allowing a creditor to validate a debt based off of information that was stolen from me, name, dob, ss and previous address that was in my wallet when stolen and information that they are sending to them like my current address.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX a time barred inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Complaint sub-issue: Problem accessing account

On XX/XX/2022 my Tax Refund was deposited into my recently opened Credit Karma Debit Account. I have been trying to activate the card and/or move funds to a different account and I keep getting a system error, Ive tried using their app, website on mobile device and on computer and I get the same connection error message. I am now very late on my payments due to this inconvenience. I have tried contacting their customer service at XXXX ( XXXX ) XXXX multiple times and Its impossible to get a live person and I end up getting hung up on. Im frustrated, in debt and planning on going to court because according to the reviews I am not the only one they have done this too.