Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Hewitt Capital is repeatedly calling my work despite being told I can not take personal phone calls and is a detriment to my job. This is the second time they have called me despite being told this. Just days ago I filed a complaint because this company is sharing my private and legal information with my fellow employees AFTER being told I can not take these calls at work.

These shady business practices are not only unethical but illegal and I will not put my job in jeopardy just to talk with them at work.
Complaint sub-issue: Other problem getting your report or credit score

My complaint is against Equifax Credit the month of XX/XX/2020 my credit score went down 71 points for reason. I contacted Equifax Credit and asked what was the reason my credit score went down 71 points and there wasn't any change in my credit. I had no late or missed payments from XXXX to XXXX of 2020 and Equifax Credit was unable to find any issues themselves with my credit but my credit score still went down 71 points. I done an investigation on my own and other people are complaining of the same thing and not getting any answers to their questions either. Could you please research my situation and give me an answers to this problem or just fix the problem.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX : I used the link on Equifax to confirm if I may have been impacted by their cybersecurity breach announced on XX/XX/XXXX. I followed the instructions and received confirmation that I may have been impacted by the breach and to continue credit monitoring enrollment. I followed the instructions provided by Equifax, however the tool is highly flawed and sends me through a loop to enter my information, and then continue enrollment again. I have not been able to enroll in their tool to begin monitoring my credit and track any fraudulent changes caused by the Equifax breach. See screenshots for step by step notations and attachment with HTML supporting that " CONTINUE ENROLLMENT '' has no further procedures for Consumers to enroll. I have the latest OS version, and the browsers have latest patches and proper plug-ins and settings enabled. I looked at the Web debugger and the Enrollment and Continue Enrollment Buttons are EMPTY! They do not have proper redirect to continue enrollment page AFTER it has validated Last Name and Social Security and XXXX. This is a false solution to consumers.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have a discover credit card where i make a XXXX minimum monthly payment. I recently have gone through financial hardship and have been late on making a monthly payment.
Complaint sub-issue: Debt resulted from identity theft

I received a letter from D & A Services dated XXXX XXXX, 2016 on XXXX XXXX stating I woes {$350.00} to them to which I have let them know via telephone calls it is not a valid debt and I am the victim of Identity Theft. The collection attempts continue, they also informed that the debt is beyond statute of limitations.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX Bank Account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have been paying on a private parent plus loan since XXXX. The school that my daughter attended was caught making scam practices and was sued and has closed down. 
XXXX XXXX XXXX in Georgia. 
Due to this closure of the school I was denied any options to refinance by XXXX. 
I am XXXX XXXX XXXX and still having to work just to pay this loan. 
I was offered yesterday ( XX/XX/XXXX ) to do a hardship reduction of payments for 6 months and pay interest only. I chose not to as this will only prolong the loan. 
I need to know if my loan can be discharged as others have because of the school closure and the massive lawsuit that was settled against them.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I was given a USBank ReliaCard that allows me to receive Pennsylvania Unemployment Insurance funds weekly as a result of Covid19 impact to my ability to work. I have two complaints about this Bank that have required extensive time to get a response from the USBank. My complaints : 1. REMOVING AND WITHHOLDING FUNDS ( {$1500.00} ) from my card and informing me that there was fraudulent use of my account. They have NOT redeposited  these funds back into my as of this date ( XX/XX/2020 ). I discussed this issue with the Customer Service Department the first week of this month.

2. HARRASSMENT OF THE CUSTOMER by requiring you to hold on the phone for at least hour before they connect you with a CS Representative ( CSR ). That CSD, after certifying that you are a customer, then transfers you to another CSD. I have been  DISCONNECTED by this second CSD 5 times in contacting this company over the last several months. I am required to start the process again again and wait for at least one hour until another CSD answers validates my name, etc. and hands me off to another CSD.

3. SENDING LETTERS WITHOUT BANK IDENTIFICATION : I have received several letters from Cardholder Services. These letters have the first four and last four numbers of my Debit Card and additional information. Two of them identified that there was  'fraudulent use ' of the card. No information about when these situations occurred.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX account XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX 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 an account without my written instructions.
Complaint sub-issue: Account terms

Equifax responded to a Disputes for accounts that have been manually updated by them, and even when in the " Closed '' Status. The related dispute number is attached. 

I am the author of this dispute, and all information contained within it. 


XXXX, and in this requested EQ responded in the following manner -Equifax has reviewed the complaint and its records. Please be advised that once a Creditor has reported your account as closed, Equifax is unable to modify the activity designator field reporting on the Equifax Credit File. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. " When Equifax updated these accounts ( please see the update dates, and the date these items were disputed ), I assert that they deleted the pay history. 

It must be noted that EQ updated the XXXX XXXX Payment History - to include Pay History through XX/XX/XXXX, even though this account has been closed and not reported by XXXX XXXX, since XX/XX/XXXX. 

XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXXPlease note, that these accounts have been manually updated by EQ, at least 10 times. 

Online ... the pay history has been morphed to allow it to appear. Please see attached the XXXX Equifax Personal Solutions_ Credit Reports, Credit Scores , Protection Against Identity Theft and more.html pdf which shows the PAY history in the records. 

Then, the attached dispute results that show no pay history. Please see Equifax XXXX dispute results no Pay History.pdfBecause Pay Histories impact scores in such a harmful way, as the records are truly incomplete and use these data values to calculate Vantage and FICO scores, Equifax has the details to correct and complete the records in their systems as a whole - and not just in views, and must do so. 

This is not a request to delete the trade line, as they are positive. 

Instead it is a request for EQ to wholly correct its error in reporting in printed reports, that there is NO pay history for. 

XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ 300XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ 500XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED
Complaint sub-issue: Was not notified of investigation status or results

BACKGROUND : On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting confirmation from Equifax that XXXX will not be willing participants in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. On XX/XX/XXXX Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/XXXX to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. On XX/XX/XXXX Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. XX/XX/XXXX + XX/XX/XXXX Equifax represented internal review was completed that on XX/XX/XXXX has been initiated. When the furnishing company provides their findings, we will send those results to you. On XX/XX/XXXX as Equifax had clearly demonstrated on XX/XX/XXXX + XX/XX/XXXX no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was XXXX intent to conceal it malfeasance. On XX/XX/XXXX submitted complaint XXXX respectfully requesting : " If this is not intentional malfeasance, please respond with the alleged completed results that have NEVER been mail received by me. '' On XX/XX/XXXX Equifax responded : " Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. '' FURTHER BACKGROUND : Equifax responded XX/XX/XXXX : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. ''
Complaint sub-issue: Account status incorrect

Jefferson Capital Systems is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this. I was very surprised. They are collecting for XXXX XXXX. I had XXXX at one point but I was unhappy with their service and returned everything and discontinued services with them. I was not told I had a remaining balance, I was never called by them because I did not owe them anything. I have no idea where this came from and it needs to be removed.
Complaint sub-issue: Account status

Equifax is still reporting as open accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Bankruptcy was discharged XXXX XXXX, 2015.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Collection account. {$2.00}, XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} writte FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Complaint sub-issue: Trouble with how payments are being handled

My private student loans are serviced through nelnet. I have two separate loans. I have tried to make extra principal payments to one loan, yet the company has a history of misapplying the payments. This has resulted in significant time trying to correct the issue, and I now am having to fight to have interest charges corrected. I am rather exasperated.
Complaint sub-issue: Their investigation did not fix an error on your report

YOUR COMPLAINT : First off I am not a CREDIT REPAIR COMPANY. But I am a very smart individual that has done my home work, so I am DEMANDING that you stop trying to use stall tactics in order to simply not remove something from my credit report that you know is wrong and that you can not verify. You are hereby put on notice that anymore incorrect information seen on my credit report that does not meet the standards of section 609 of the FCRA will be dealt with in a court of law, which is something you are very familiar with. XXXX and Equifax has two items on my credit report that do not belong on there. 1. XXXX XXXX Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway. I find it FUNNY that XXXX was reporting this same thing and they removed the item because they could not verify it. If they can not verify it, because XXXX XXXX is not communicating with them, I find it hard to believe that you XXXX and Equifax have had any luck communicating with them. You simply are not doing your job and you are violating the law. I will continue to file complaint after complaint until you fix this error and remove it from my credit report. You are hereby put on notice that I am tired of dealing with this and the next step is a legal lawsuit to take you to court and make you show proof that what you are reporting is correct. ****SEE THE ATTACHMENT SHOWING XXXX DELETION**** 2. XXXX On my XXXX XXXX they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately. It is apparent they are trying to hurt me financially.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are 11 inquiries showing on my Equifax and 20 on XXXX  that I did not authorize. I am a victim of data breach, identity theft and have requested these inquiries be removed from Equifax/XXXX  and have had no success.Both Reports show 8 XXXX  accounts student loans that are discharged and very old accounts showing derogatory and 1 ACS XXXX   XXXX XXXX, the credit company just keeps updating the date so it remains on my credit repirt. Account for XXXX XXXX account Balance {$4500.00} showing negative and as Authorized user when I never signed any documents or aware of this account. XXXX XXXX as well is Fraud. I have requested over the phone removal of these items and they are very aware of my Police report as well as the discharge of my student loans. The loans are incorrect information showing. Please have them removed from both reports immediately as this is not the first time I have to go through CFPB.
Complaint sub-issue: Information belongs to someone else

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as XXXX, Equifax and XXXX  all accounts listed in Identity Theft which are not mine.Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.
Complaint sub-issue: Problem using a debit or ATM card

from XXXX to early XX/XX/XXXX my debit card was used at an online casino for a total of {$2500.00}. I went into the bank filled out a dispute got a new debit card and given intial credit of XXXX, then in XX/XX/XXXX pnc took my hard earned money back and said they completed there investigation. Really? This money was stolen from me and pnc allowed this to happen.
Complaint sub-issue: Account information incorrect

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of the accounts below are not accurate. the open date, date last active, and date of last payment is not 100 % accurate. 

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

i attached a consumer report as evidence.
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX {$980.00} XXXX  XXXX  XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$0.00}
Complaint sub-issue: Talked to a third party about my debt

Debt collector contacted my place of employment and told them that they would take legal action against me if i did not get the message to call them by the end of the day ... Also gave them a case #. The debt is from XX/XX/XXXX ... statue of limitations has passed in XX/XX/XXXX. They contacted me today and told me that they would be delivering court papers to my resident and my employer and told me they have already contacted my supervisor about the procedures of coming onto property. I see this as scare tactics.
Complaint sub-issue: Their investigation did not fix an error on your report

I've sent certified letters for each item on my credit report requesting documentation of the original purchase agreement bearing my signature. I am a victim of the data breach involving XXXX XXXX XXXX and Equifax. On XX/XX/2020 I sent certified letters to Equifax disputing each item on my credit report. The credit report that I received as a result is dated for XX/XX/2020. After analyzing my credit report, I realized that neither of the accounts had the required comment stating that the accounts had been disputed within 30 days. The old addresses had been removed. However, I was advised to contact the creditors directly to remove the inquiries from my credit report. The accounts for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX had been deleted. However, those accounts have been reinserted on my credit report. The collection account for XXXX was also disputed. It is still being reported with missing creditor contact information. I've sent a certified letter to XXXX requesting documentation of the original purchase agreement bearing my signature and a representative signed for the letter on XX/XX/2020. XXXX failed to send a copy of the original purchase agreement instead they sent a bill. I sent a certified letter to Equifax because they should have left a comment stating that the XXXX account had been disputed within 30 days but they failed to do so. According to the USPS Tracking log, the certified letter was received and signed by a representative at XXXX.