Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about your loan balance or loan terms

I have attempted to contact fedloan servicing about my re-evaluation for my Income Driven Repayment plan. Their automated voice system told me I could expect a response by XX/XX/XXXX. But I got no response. 

I called in and was told it would be at the end of the month. A few days after that conversation I called back to confirm, inquire why I was given 2 different time frames, and see if it could be expidited. I was transferred to a specialist, there was indefinite silence. No one ever took my call. 

When I wrote an email about my questions. I received a response from a XXXX saying my inquiry had already been resolved from my call. 

So now I'm frustrated that no one can tell me why I was given two different time frames or will cooperate with me.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

Audi financial DID NOT GIVE NOTICE THAT THEY WERE USING A NEW WEBSITE AND PAYMENT PORTAL. I WAS NOT ABLE TO SUBMIT MY PAYMENT USING THE OLD PORTAL. I HAVE NEVER BEEN LATE OR MISSED A PAYMENT IN 14 YEARS. AUDI IS AT FAULT FOR THER INABILITY TO RECEIVE THE PAYMENT ON TIME AS THIS WAS MY PRIMARY METHOD OF PAYMENT. THEY COMPLETELY CHANGED TO A NEW WEBSITE WITHOUT TELLING THE CUSTOMER
Complaint sub-issue: Account information incorrect

These four accounts are display the incorrect status and account balances on my credit profile. I have contacted the credit bureau several times. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX DEPT OF EDUCATION/XXXX  - XXXX XXXX XXXX XXXX - XXXX
Complaint sub-issue: Collected or attempted to collect exempt funds

I have been receiving several mail items to my home regarding a seemingly fishy company called XXXX XXXX XXXX XXXX XXXX, which they claim is linked to the legitimate company ( CoreLogic ) claiming that they paid my property taxes for me, and are seeking reimbursement. 

I have repeatedly ignore these requests as they sound extremely scammy and because I've paid my property taxes directly with the county.
Complaint sub-issue: Account information incorrect

XXXX XXXX Balance Owed : {$920.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX  XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$620.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Complaint sub-issue: Old information reappears or never goes away

XXXX  XXXX XXXX is reporting on my credit reports. This account had fraudulent charges back in 2012 its been 8 years and after 7 years its supposed to be removed. This information is still affecting my credit score in a negative way. I have disputed and noted that fraud was charged years ago on it.
Complaint sub-issue: Account information incorrect

I'm in the process of purchasing a home when I obtained my credit report. Great Lakes shows my High Credit as {$24000.00} but shows my balance as {$36000.00} ; a variance of $ +XXXX over the credit limit which has a significant negative impact on my score. I called Great Lakes in attempt to either have the balance lowered or High Credit increased but was quickly told by XXXX that there was nothing that can be done and that what they are doing is not illegal although its impacting my score by 60+ FICO points and will remain that way until the loan is paid in full, I have been on time and in this environment there should be some compromise to not penalize consumers who are doing the right thing. The interest is ridiculous and should be illegal. Please review and XXXX sit me to get some answer to my concerns and possible some reconsideration of this way this trade line is reporting
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Investigation took more than 30 days

Sent a letter on XX/XX/2021 and sent another letter on XX/XX/2021 in regards to the first letter where I received no results or any certified copy of proof of debt.
Complaint sub-issue: Reporting company used your report improperly

I have placed a freeze on all 3 credit bureaus, Equifax, XXXX, and XXXX, and I just received an alert stating there was a PIN change on my account. I have not made any changes on my accounts until now. Customer service is closed, therefore I can't report this until tomorrow. I don't know how someone got inside my account or even know my username/email to get into my account because you have to know my social, address, how to spell my first name ( XXXX ). My spouse denies any doings but he has given my information away in the past.
Complaint sub-issue: Don't agree with the fees charged

I recently refinanced my parent plus direct loan with mohela sofi. The feds have dropped the rates temporarily to 0 % and required all servicers to comply. However mohela sofi is not honoring this for any private loans that were refinanced from a fed loan.
Complaint sub-issue: Their investigation did not fix an error on your report

There seems to be an error on my consumer report furnished by ( XXXX ). On my consumer report, there are late payments reported which is causing damage to me as a consumer and limiting my ability to extend credit. I allege that ( XXXX ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( XXXX ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( XXXX ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Complaint sub-issue: Investigation took more than 30 days

i filed a dispute towards the incorrect information on my credit report & it has been well over 30 days. I have not received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

I have paid off the account with XXXX XXXX on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP
Complaint sub-issue: Account information incorrect

I recently ordered my consumer credit file from XXXX, XXXX and Equifax and notice these late payments with XXXX XXXX XXXX  # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 


15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on you in the first place. 

The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Complaint sub-issue: Account status incorrect

i paid my lease in full and XXXX XXXX is reporting a voluntary repossession on my credit. this has damaged my credit score.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.
Complaint sub-issue: Application denied

I got approved for the card paid my {$200.00} deposit and week later I magically got denied! Im a single parent who work hard for his money and want my {$200.00} deposit back this is a scam and not fair that stated I was approved then later denied once they took and stole my money
Complaint sub-issue: Public record

The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX , XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

My bankruptcy is not discharged as of yet. XXXX XXXX XXXX was notified thru bankruptcy processes and last reported to my credit report XX/XX/XXXX. XXXX XXXX XXXX denies being notified and one representative hung up on me. You've paid off -17 % of your collection amount. 

Balance {$5200.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 1 yr, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I have reached out to Equifax and XXXX  twice to remove fraudulent activity reporting on my credit. They haven't done an investigation. They keep providing a generic statement that they falsely claimed is verified.
Complaint sub-issue: Debt was result of identity theft

Discover currently has a debt listed on my credit bureaus in the amount of {$1900.00}. This debt does not belong to me and is a result of identity theft. I have contacted creditor regarding fraud collections ; however, I have not received a response.
Complaint sub-issue: Account status incorrect

This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that you they failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX I was never late on this account. Please ensure that all information is accurate
Complaint sub-issue: Information belongs to someone else

I Recently checked my credit profile and i saw Multiple fraudulent accounts and fraudulent inquiries. Those fraudulent accounts are XXXX {$18000.00} XXXX XXXX {$780.00} XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$5200.00} XXXX XXXX {$360.00} XXXX XXXX {$1000.00} The following inquiries are fruaulent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I Have reached out to the furnishers and they each told me to contact XXXX, XXXX & Equifax. I have filed a FTC REPORT, AN IDENTITY THEFT REPORT AND A IDENTITY THEFT AFFIDAVIT!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have submitted a fraud dispute to US Bank Voyager for my Multi-Service " local '' Fuel card # XXXX. I have attached all the documents including the police report. I have rec 'd an email today stating that they are refusing my fraud claim for the following reasons : Your dispute case with Voyager has been denied.

Please see below reason for denial : Proper use of fraud controls were not in place at the time fraud occurred : The Voyager
Network Rules require a daily swipe, daily dollar, and monthly/cycle dollar limit. 

My cards were all replaced as of XX/XX/2022 because the old ones expired. I had a daily swipe limit of 5 and a daily spend limit set. If all parameters reset with the new cards I was not aware. I have called to voice my concerns regarding their denial. NO resolution was offered. This is a large amount for me to be out and I have never filed a dispute with them and have been a customer for years.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Can't close your account

I attempted to close my Best Buy XXXX card in late XX/XX/XXXX/early XX/XX/XXXX, when the card was paid off in full. There was a zero dollar balance on my card, and I closed it using the automated system offered by Citibank ( holder of the card ). I was hesitant to use the automated system, so I immediately called back and got a Customer Service Rep to confirm that the account was, indeed, closed. Confirmed. Closed. 

However, the company continues to email me " statements '' with the last 4 digits of the account number and my zero dollar balance info. I have called the company numerous times to verify that the account is closed, and each time they tell me yes, the account is closed. When I ask why they are still sending me emails with my " Best Buy XXXX Card Statement '' each month and ask them to stop sending the emails, they brush me off and tell me it takes a while for their system to update. XXXX months? 

I am concerned that anyone could still access this account, as it does not appear closed by the emails that I am getting. And since I no longer own the credit card, and I am not checking statements regularly, I am further concerned at the risk of identity theft. Why am I still getting emails from this company with my statement information if the account is closed?
Complaint sub-issue: Was not notified of investigation status or results

I have been requesting information from the three credit bureaus for months now and they do not respond. I have started in XXXX of this year and several request were sent to them. First one XX/XX/XXXX, second one XX/XX/XXXX third one XX/XX/XXXX, most recent XX/XX/XXXX still nothing! Now due to the covid XXXX I spoke with XXXX and they were extending my payment due to circumstances. They reported it as a 30 day late and when I talked to them they said I needed to contact the bureaus and that they will resolve it. Really I can't get the bureaus to respond since XXXX. Long before everything shut down.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I had current insurance coverage with XXXX XXXX XXXX XXXX. I contacted the insurance company at the time and was informed that the medical charge would be covered. I contacted the provider when the account went into collections and then contacted IC system to resolve the matter and provided information but was told nothing could be done. This collection is affecting me financially as it is the only negative derogatory marks on my credit report and is impacting the possibility of me obtaining any type of loads at a rate that would be considered average.