Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

My loan with Educap/Loan to Learn was paid in full in a Chapter XXXX bankruptcy. Subsequently thereafter, on or about XXXX XXXX, I received a delinquency letter in the mail from XXXX XXXX regarding a past due amount on the Loan to Learn/EduCap loan which I thought was paid off in the BK ( I am a cosigner ). The next day, I called XXXX and was told if I didnt make a payment that day, they would report me to the credit bureaus. Knowing how hard it is to remove something from your credit report, I went ahead and paid the past due amount. Luckily, I was able to request a 3 month forbearance thereafter in order to figure out why this loan still has a balance. Since that time, Ive been trying to request loan documents and payment history to no avail. You cant even call the original loan servicer, Loan to Learn/EduCap. They only have a mailing address and email listed on their website. I was told by a manager at XXXX that XXXX doesnt retain copies of correspondence mailed out. However, she said she would request a copy of the full payment history of the loan as well as the letter advising the loan was now being serviced by XXXX. I have yet to receive these documents and that was over a month ago. The only documents Ive received are attached. They say nothing about the relationship between XXXX and Loan to Learn/EduCap. I 've made repeated phone calls following up on the documents but they keep telling me they 're being reviewed. They will not provide me any information for people to contact at Loan to  Learn/EduCap.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I lost my wallet and within 20 minutes I had XXXX dollors in charges on my cashapp card as soon as my phone notified me I stoped the card and ordered a new one. I contacted support they asked me to wait for an email within 24 hours. It has been over 3 days with no email. The three charges starting with the XXXX and the two charges above that at XXXX XXXX and XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

Discover Financial is attempting to collect an alleged debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692g. I am awaiting all correspondence requested to validate the alleged debt, I have also request that Discover Financial cease and desist all communications in regards to the alleged debt and report all accounts with any credit reporting agency as positive in regards to this alleged debt until I receive proof of and have conducted a thorough investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted EQUIFAX over 25 times explaining that the accounts that are listed as XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX # XXXX does not belong to me. The last dispute I sent them they deleted 6 of the accounts and left behind 6, I don't understand if you are deleting some why they are not deleting them all at the same time since I have provided them with proof that these account are fraud. I have sent in a fraud identity theft report, police report, ID, and social and each time I am transferred to someone in another country that does not understand what I am explaining and continuously read from a script. This is very annoying and cause me to keep calling and complaining on something that is clearly in black & white with the proof right there. One representative tells me to send the reports and I do another says it must have the account numbers on the police report but with one account with that name listed obviously this is the correct account. I have disputed & disputed & disputed and they keep saying verified. SO I ask how and to provide me with the verification method by law I am entitled to & then I hear nothing but the account remains on my report.
Complaint sub-issue: Didn't receive enough information to verify debt

I have made several attempts to fix this issue and have been unable to resolve it. No one can tell me anything except they can't find an account in my name but these debts are on my credit profile.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I submitted claim XXXX previously about money stolen from my US Bank cards. I received a response from US Bank saying that they would reinstate balance on my cards and mail me replacement cards. I received replacements for all cards, except the card ending XXXX. I contacted them several times over the phone asking about this card and each time I was told that they would escalate and I should receive a replacement card with {$200.00} balance within few days. It has been several months and I have never received a replacement card.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX 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.
Complaint sub-issue: Information belongs to someone else

i am a victim of identity fraud. There are 2 credit cards that I have not open or used.
Complaint sub-issue: Investigation took more than 30 days

I have information that is inaccurate on my credit report. I sent them letters to dispute the inaccuracies and they have not responded in the time required under FCRA laws.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted all 3 Credit Bureaus and let them all aware that I am a victim of fraud. I did not request for XXXX XXXX NA to access my credit profile. In return the representative told me that they can not delete the inquiry.
Complaint sub-issue: Problem with personal statement of dispute

XXXX, XXXX, and Equifax are continuing to report a past account with XXXX XXXX XXXX as a charged off account. This account has been paid in full via a garnishment from my paycheck, initiated by their lawyers. 
As I subsequently dispute the findings that XXXX  comes back to me with, they refuse my electronic dispute on their website stating that this has already been resolved. XXXX  and Equifax have also not removed it based on the information XXXX is providing them with. 
According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer by not providing the credit bureaus I have disputed this with the correct information and Im requesting legal action to remove this account immediately.
Complaint sub-issue: Problem lowering your monthly payments

Since the month of XXXX after the passage of XXXX XXXX, the economic situation changed as the hours of work reduced them, the costs of the products increased or decreased. I want to make the payments but the economic means do not give me. I want to restructure the payments.
Complaint sub-issue: Investigation took more than 30 days

It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX PNC Busines Bank credit card withdrew {$840.00} from my business checking account without my consent. I called the XXXX ( XXXX ) at XXXX on Saturday to ask why they made the withdrawal from my account, the representative said that I called them on XX/XX/XXXX to set up the payment arrangement. I told her I DID NOT CALL PNC BANK AT ALL. I asked her to check her recordings and tell me when have I made a call to them, she placed me on hold twice and then said well she doesn't have any information and that I would have to call the front end collection to get any further information. 
I did not authorize and no one from my company authorized pnc bank to withdrawal money from my account. My business credit card was revoked and closed in XXXX.
Complaint sub-issue: Received bad information about your loan

I have several direct student loans and several parent plus student loans. After speaking with Nelnet ( the service provider ) on more than one occasion, I followed their guidance to consolidate my loans. ( XX/XX/2017 ). I now find out that by including one parent loan in the consolidation, I am only able to take advantage of the ICR repayment plan. This repayment plan caps at 20 % of my discretionary income. The other plans ( which I can not take advantage of because this one parent loan was included in the consolidation ), would carat 10 %. I have tried to deal with Nelnet on this issue. Their bad advice is the reason I can not have the lower payment. Nelnet customer service said there is no way to fix this problem.
Complaint sub-issue: Investigation took more than 30 days

My matter was forwarded to Equifax on XX/XX/2020 and I received a response on XX/XX/2020 from Equifax stating that the process generally requires US/EQUIFAX to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. It has been a total of 35 days. Per FCRA and the ftc.gov website credit reporting companies must investigate the items in question and respond within 30 days. There is no legitimate reason for the disputed account to continue to appear on my credit report ( PAST 71/2 YEAR STATUTE OF LIMITATIONS ) ( In total violation of FCRA ).
Complaint sub-issue: Impersonated an attorney or official

XXXX XXXX XXXX firm claimed to be a debt collector for Cash Call. XXXX XXXX XXXX firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to Cash Call. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX XXXX XXXX but nothing about a law firm. I then called XXXX XXXX XXXX firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from XXXX XXXX XXXX firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up both of our XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

List of Inquires listed on my Credit Report that I did NOT authorize are as follows : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XX/XX/XXXX 12 . XXXX XXXX XXXX XXXX  XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX  XX/XX/XXXX 15. XXXX XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XXXX  XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem with customer service

On XX/XX/19 I called the customer service number on the back of my card and on my billing statement. I went through the automated system, followed all of the prompts as directed. A foreign speaking representative answered, asked the same questions asked in the automated system, and transferred me to another agent stating she could not handle business accounts ( despite the fact that I had called the number listed on both the card and the statement ). Another agent answered and asked the same questions. I was having great difficulty understanding her and asked to speak with an English speaker. She told me that was not possible. I requested to speak with someone in the United States. I was again told that was not possible. I was unable to get any assistance due to the language barrier. I was calling again to inquire about charges on my account that were invalid and to inquire about service fees. I attempted to use the online portal as well as the app. Neither of these were operational, even after resetting my account and rebooting my computer. The " contact '' option on the app was loading for several minutes, in spite of being connected to my XXXX XXXX  high speed internet. The app simply was not working at all and I was only able to get the same phone numbers I had been calling without success. This is not the first time I have had great difficulty getting information about my account. I still have open questions about an unauthorized charge on my account and fees that were charged by the company. I can and will cancel the card to avoid this in the future however I really need assistance getting in touch with someone who speaks English to remedy this prior to cancelling. Thank you for your help.
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 XXXXs 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account status incorrect

After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the XXXX, equifax, XXXX XXXXXXXX  to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX acct. # ending in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : acct. # ending in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct. # XXXX, these companies with these accounts have 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 states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states ; No consumer reporting agency can make any consumer report containing any of the following items of information : Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

INFORMATION BEING REPORTED TO CREDIT BUREAUS ARE INCORRECT. 
THESE ARE NOT MY ACCOUNTS.
Complaint sub-issue: Problem with fraud alerts

This is what Equifax sent me.. Dear XXXX XXXX XXXX : Below are the results of your reinvestigation request and, as applicable, any revisions to your credit file. If you have additional questions regarding the reinvestigated items, please contact the source of that information directly. You may also contact Equifax regarding the specific information contained within this letter or report within the next 60 days by visiting us at XXXX or by calling a Customer Representative at XXXX from XXXX XXXX We have researched the credit account. Account # XXXX The results are : This item has been deleted from the credit file. If you have Please note this is still on my account in the amount of XXXX dollars with a other company called XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX In the amount of XXXX dollars ALERT ( s ) : Fraud Alert. 
Your fraud alert Auto Renewal is ON. Fraud Alert Expiration Date : XX/XX/2016 And I am not able to Lock my Credit Report as Equifax said with my ID Patrol ( R ) Premier account This is my complaint Thank You XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Inquiries were unauthorized by me. The contract or lease agreement was never signed or authorized by me. I had a security freeze placed on my account. I am unsure as to why XXXX was able to pull my credit. The company XXXX XXXX has sent a cancellation request for an unauthorized loan/agreement for a car or vehicle. 

I tried working with both XXXX and Equifax to remove these unauthorized inquiries which has cause my credit score to decrease from XXXX to XXXX. My next action is to follow through with legal action if these inquiries are not removed.
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX, Equifax, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification  CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT
Complaint sub-issue: Account status

Equifax refuses to conduct a proper investigation, they refuse to correct negative information on my credit report, they refuse to except documents from myself or the CFPB, which provide the correct information regarding a XXXX student loan account for my daughter which i co-signed. 
Equifax is reporting a XXXX account ; Acct # XXXX XXXX XXXX XXXX as 150 days late in XXXX XXXX, XXXX XXXX, XXXX XXXX. 120 days late in XXXX XXXX, 90 days late in XXXX XXXX and 60 days late in XXXX XXXX. They are reporting this contradicting the update XXXX has sent them and ignoring XXXX own response to my complaint through the resolution process with the CFPB for case # XXXX. 
XXXX has confirmed they requested all XXXX credit bureaus to remove all late charges consistent with the above mentioned case. XXXX and XXXX have updated this information. However Equifax refuses to do so. 
I have sent Equifax numerous certified letters over the last 6 months, I have called equifax begging them to conduct a proper investigation. I have provided Equifax with XXXX response to my CFPB complaint. 
As a result of Equifax 's willful neglect and deliberate reporting of inaccurate information, I have been paying hundred 's of dollars a month in higher insurance fees. I have been turned down for a work van and finally had to pay higher interest fees for a work van I was able to purchase. 
Note : this account is the ONLY negative account ever to report on my credit files.
Complaint sub-issue: Account terms

XXXX, Equifax and XXXX all improperly report my XXXX credit with only a {$1000.00} credit limit when in fact it is {$4000.00}. They report the proper amount owed but do not reflect the {$4000.00} credit limit. 

Equifax improperly reports my XXXX credit limit as {$2000.00} when it is actually {$3300.00}. They are also several months behind in reporting the correct balance owed, as they show it as {$830.00} instead of {$41.00}. 

Both of these errors lower my credit score, which is important at this time as I am looking toward buying a home. 

Thank you for your assistance in this manner.
Complaint sub-issue: Didn't receive advertised or promotional terms

I was to receive an offer I accepted of XXXX percent good through XX/XX/20. They claimed I never received the offer. They would not hear me on this matter.