Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed. 
I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX Bank is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is XXXX an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute to Equifax on  X/X/17    regarding a bankruptcy appearing on my credit report and they have yet to resolve the dispute or remove the item. The dispute was said to be resolved by within 30 days but no later than  X/X/17   . I spoke with a representative from Equifax on  X/X/17    and they agreed that they had not resolved the dispute and that I would need to call back, but then tried to sell me credit protection coverage at a monthly cost. I spoke with another representative on  X/X/17    who also stated that the dispute was not resolved but would not give me any additional information and once again tried to sell me credit protection for a monthly fee but was not helpful to me once I declined the coverage. I submitted the dispute according to the proper guidelines and feel that Equifax is refusing to delete this from my credit report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a credit card with Citibank with the credit limit of {$9000.00}. Yesterday XX/XX/18 i requested a credit line increase to {$15000.00} through the mobile app. Citibank shortly approved the credit increase to {$15000.00}. I checked my credit report and found out that Citibank ran a hard inquiry that same day on XXXX  which resulted in dropping my credit score down. I did not consent to a hard inquiry nor was I notified that a hard inquiry would be made in response to my credit line increase request.
Complaint sub-issue: Account status

XX/XX/XXXX I agree to a mortgage modification with XXXX XXXX XXXX XXXX. The trial payment period began in XXXX XXXX and ended in XXXX XXXX when the modification documents were ratified. Between XX/XX/XXXX and XX/XX/XXXX I filed disputes with all three major credit bureaus to have the XXXX mortgage information updated. After each investigation XXXX continued to report the modified loan delinquent. Additionally, on XXXX or more credit reports XXXX reported the loan twice ( the unmodified loan and the modified loan ), and therefore corrupting my credit file with an additional {$300000.00} of delinquent debt.
Complaint sub-issue: Need information about your loan balance or loan terms

I have reached out multiple times to get information about my loans through FedLoan. I am accepted to the PSLF program, but havent received ANY communication regarding if any of my loan payments that were previously on a wrong plan will count. I have called and emailed FedLoan to ask more specifics about what I should be doing and if everything I have done so far is in line with what I need to do to get my loan payments accepted under the plan. When I did get in touch with someone, they wouldnt say one way or the other if I am doing the right thing. They told me information I already knew, that I was accepted to PSLF ( which was prior to the waiver ), but could not tell me if they had everything they needed from me or what I should do to get this information. Getting in touch with someone is near impossible. After emailing the address listed on their website it took 2 months for them to reply and they didnt answer any questions that I had, still leaving me in the dark as to if I have done the right things to do for this waiver. Other times I have called and nobody has answered and when I tried their chat option on the website, it says it is unavailable. I do not want to miss out on this opportunity to have payments accepted under this plan, but I have no clarity if I am doing anything right. Many people on PSLF are waiting on this determination to move forward with their careers and lives, but we have no clarity if we are doing the right things to get this forgiveness leaving us in a very confusing situation that could cost many of us THOUSANDS.
Complaint sub-issue: Account status incorrect

Equifax is violating the Federal Credit reporting Act. Even on its own website it is clearly written that : << a charged-off account will remain on credit reports up to SEVEN YEARS FROM THE DATE OF THE FIRST MISSED OR LATE PAYMENT on the charged-off account. >> I have attached a screenshot of Equifax website where you can clearly see the statement above. 

Equifax is not following what is written on its own website and in the meantime is also violating the FCRA. Indeed, there is a charged-off account ( XXXX XXXX XXXXXXXX XXXX ) that has been on my credit report for more than 7 years from the date of first missed payment. It happened in XX/XX/XXXX. I have the letter XXXX XXXX  XXXX sent me to notify me that my account is past due. Like I said, it started in XX/XX/XXXX and I have a letter from XXXX XXXX XXXXXXXX to prove it. I have attached it on here for your reference. 
From XX/XX/XXXX to XX/XX/XXXX its 7 years and 2 months! 

Equifax, this is a formal notice that I am sending you. Remove immediately XXXX XXXX XXXX from my credit report!! 

I will use today 's letter against you in court to prove that you deliberately refused to remove this account even after notifying you that this account is in violation of the FCRA!
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 USC 1681. 

XXXX XXXXXXXX XXXX  XXXX # XXXX ACCOUNT has violated my rights. 
XXXX XXXXY XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
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 I DD NOT GIVE WRITTEN INSTRUCTION 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years. 

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

It has been brought to my attention that XXXX has been communicating with third parties about my personal information without direct consent 15 usc 1692 ( a ) ( i ) Pursuant to 15 usc 1611 Criminal liability for willingful and knowing you have violated my consumer rights I demand you remove any & all negative items off of my consumer report ASAP
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2020, I contacted Lending Tree, Inc to request that a monthly payment be delayed or consideration given to reschedule the that monthly payment. Specifically, I requested some additional time to make the payment because I have been unemployed since XXXX, but have managed to pay each month on time utilizing the Automatic Clearing House ( ACH ) Debit feature on my account despite the fact that I never authorized automatic ACH payments each month. Over the phone, the agent stated that the payment of {$1000.00} for XXXX ( usually taken on the XXXX of each month ), could be taken as late as XX/XX/XXXX. I specifically asked if I would have to make two payments in XXXX due the delayed payment for XXXX. I was told that I would not have to make this payment and I assumed based on the current pandemic that lending groups were willing to exercise some flexibility with regard to repayments. I also specifically stated at least three times during the call, that I needed to be sure that if I was going to delay the payment that the automatic ACH payment usually occurring on the XXXX of each month was rescinded/cancelled and would not be taken from the account. The agent stated that this was true : no payment on XXXX would be taken. I checked my checking account from which Lending Tree draws today, XX/XX/XXXX and discovered that the account had been debited {$1000.00}. This ACH occurred without my permission. This despite numerous assurances that no payment would be taken on XX/XX/XXXX. I called today and was told that the agent had not rescinded the automatic ACH payment feature and that two payments would be required to keep the account current in XXXX. In sum, Lending Tree authorized an ACH transfer from my personal checking account, received the funds, currently has control over the funds, after my permission to transfer for these funds was rescinded.
Complaint sub-issue: Account status incorrect

They reported my payment as late for XXXX but my payment was never late. I made my payment on time.
Complaint sub-issue: Account information incorrect

Equifax, XXXX and XXXX, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus Equifax, XXXX and XXXX, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!
Complaint sub-issue: Trouble with how payments are being handled

My student loans were transferred from  XXXX  to Fed  Loan Servicing  o n  XX/X/16      aft er I submitted my paperwork for PSLF. I was told the qualifying payments would be transferred but as of yet, only  13 p ayments are showing  up ( I have made a total of 34 q ualifying payme nts ).  I spoke with someone on      X/X/16  an  d they assured me that they submit a request for this to be looked into, but that it may take weeks.     I have also had issues with the handling of my Income Based Repayment paperwork. I know that the paperwork is correct, because this same paperwork was received and processed almost immediately by    XXXX   ( w ho still holds my loans not under the PSLF program ). I have submitted supporting documentation ( which is not required by  XXXX , only FedLoan ) a total of 3 times now. Once by mail and twice by uploading the supporting document s (  XXXX  ).  As of yet, this has not been fixed, and I have received letters telling me that I did not meet qualifications ( when I clearly do, as evidenced by my student loans serviced by  XXXX  ). I have documentation showing my multiple submissions of paperwork.     I also had an issue o n      X/X/16  wh ere my account was placed on Forbearance without me requesting for such action. When I contacted the company, I was told that this is standard action for all accounts that have documents processing. When my account is in forbearance, I am not able to make qualifying student loan payments.
Complaint sub-issue: Trouble getting, activating, or registering a card

I was informed that a USBank Reliacard was issued to me XX/XX/XXXX, even though I did not request one, nor was I interested in receiving one, but was forced by DC DOES ( unemployment ) to have my payment made on a Debit Card. 

On XX/XX/XXXX I had still not received my Debit Card and I contacted USBank, an agent told me they could expedite me a new card, and we decided it was best I use a different address in DC that has a better record of not losing my mail. I was told it would take up to 5 business days for my address to change in the USBank system. 

On XX/XX/XXXX I called USBank to see if my address had changed, it had, and I requested a replacement card as my initial card was lost in the mail. USBank XXXX and her supervisor XXXX told me that I could only receive a replacement card if I paid a fee of {$5.00} further I was told the only way I could access my funds for a VISA transfer is if I paid {$5.00} for a card with my name on it. I was told this would take another 10-14 days. I asked about the previous agents offer to expedite the card and was told that I must pay for it. 

USBank in essence is telling customers that it the customer 's responsibility to make sure they receive the card and if the card is lost in the mail ( or even not mailed by USBank ) that the customer must pay a fee to receive the new card. 

USBank has been holding onto {$6600.00} of my money for 6 weeks, I have escalated this to their executive office where I received a cut and paste response saying someone would get back to me within 15 calendar days. 

These debit cards are a way for banks to attempt to create additional wealth by charging fees, taking weeks to send the cards and then requiring additional fees to get the cards that may never have been sent.

I waited 4 weeks before reporting the card was lost and still USBank placed the blame on me for not receiving the card. 

Banks should not be allowed to issue Government payment cards if they can not guarantee they will get them to the consumer in a timely manner.
Complaint sub-issue: Debt is not yours

I noticed an account on my credit report from ProCollect in 2015 for an apartment complex that I have never lived in. I have been disputing this with ProCollect and the credit agencies for years with no progress. Not only is the debt not mine, but it is also duplicated on my credit reports. I have submitted documents of proof of residency during this time, but ProCollect still will not have the items removed from my credit report and continue to make attempts to collect the debt. I recently contacted ProCollect, the orginal creditor and the credit bureau to provide me with a validation of the debt in the form of the original lease, cancelled checks for rent and/or money order receipts to show proof that I lived there, which none are able to provide. I don't know if this was identity theft or something that the collection agency just came up with. I have had no other problems with any other companies reporting any type of debt during this time. And since no one can provide me with documents to validate the debt, I have to assume that ProCollect has simply put this on my credit report in error, or deliberately. Although ProCollect has stated over the phone that the accounts appear to be duplicates, they will not even remove one of them, which will at least decrease my debt balance. However, both of these accounts need to be removed! They are not my accounts. ProCollect finally said today that they would possibly remove the duplicate account but I would still be responsible for the other account. They said that I needed to provide them with an identity theft affidavit, in order for them to even consider looking into the other account. However, without them providing me any documentation of the lease or payments to verify that someone else used my information ; I don't feel right swearing to identity theft, when I don't know if that is the case. I do not know how they got my information and I can and have provided proof of my residency elsewhere to the credit bureaus. I do not feel comfortable giving ProCollect any more information than they already have about me, since I don't know how they got my information. The amount that they are showing owing on both accounts is {$6600.00} for a total of {$13000.00}. These accounts need to be removed immediately from all three credit bureaus!
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally  sent 2 le tters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limi tations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party compan y as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested an extension on my auto loan with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I requested the extension because I fell ill on XX/XX/XXXX and spent the next 8 weeks recuperating from what we now know was Covid -19. XXXX  XXXX XXXX XXXX gave me an extension for my XX/XX/XXXX and my XX/XX/XXXX payments. XXXX  XXXX XXXX XXXX then sent me a letter stating the following : " The extension will move 2 payment s of {$540.00}, skipping the XX/XX/XXXX and XX/XX/XXXX payments and moving them to the end of your account term. Your contract maturity date will move from XXXX XX/XX/XXXX. '' I have noticed sine then that those two extended payments are showing as delinquent. I have tried disputing this issue with XXXX XXXX and all three credit reporting bureaus to no avail. If there is any way you can help it would be greatly appreciated.
Complaint sub-issue: Account information incorrect

XX/XX/2019 payment is listed as 90 days late but the XX/XX/2019 payment is listed as current and on-time.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I received correspondence in my online account dated XX/XX/XXXX ( see Attachment 1 ) indicating that I only had made XXXX XXXX qualifying payments for loan sequences XXXX and XXXX. On or around XX/XX/XXXX, I received correspondence from XXXX XXXX ( see Attachment XXXX ) indicating that I had XXXX PSLF qualifying payments each for both loan sequences XXXX and XXXX. MOHELA 's letter received on XX/XX/XXXX implied that I had a lower PSLF qualifying payment count than I had previously with XXXX XXXX even despite the fact that I submitted an updated PSLF application/Employer Certification Form to MOHELA in XX/XX/XXXX. As I believed MOHELA 's letter to be inaccurate, I called MOHELA on XX/XX/XXXX to express concern, especially as I thought I had received the correspondence because I had ( wrongly ) assumed that MOHELA had finished updating my PSLF qualifying payments based on my XXXX PSLF application. On XX/XX/XXXX at approx. XXXX XXXX and after a wait on the line and spending an unacceptable XXXX minutes navigating phone trees to figure out how to reach a live agent for assistance, I spoke to MOHELA agent XXXX XXXX While speaking with XXXX, he shared concern with me that MOHELA sent correspondence indicating that MOHELA had a lower PSLF qualifying payment count than XXXX XXXX. Eventually XXXX was able to do further research and determined that the correspondence was sent in error, likely due to an IT issue. He determined that MOHELA 's system indicates that my correct PSLF qualifying payment count for loan sequences XXXX and XXXX is XXXX for each and that the information was correct in my online account PSLF tracker ( see attachment XXXX, which while from XX/XX/XXXX appears to match the same information I reviewed on XX/XX/XXXX for loan sequences XXXX and XXXX while on the phone with XXXX XXXX. XXXX also confirmed that MOHELA received my PSLF application from XXXX and that it had not been reviewed yet, thus MOHELA 's payment count only reflects the data they received from XXXX and not the information from my XXXX PSLF application yet. At the same time however, I am extremely concerned why MOHELA would send correspondence similar to what is sent after a PSLF application has been approved and I would receive a letter contradictory to information showing in my online account. As such, while I find the service provided by XXXX to have been exceptional, I am seriously concerned that I received bad loan information due to IT errors and am not 100 % sure my issue was fully addressed. I find IT errors sending inaccurate student loan payment information to be extremely concerning.
Complaint sub-issue: Debt is not yours

This company is trying to collect a debt that I have no knowledge of from a city I do not stay in, which has resulted in damaging my credit history, putting me further behind during a worldwide pandemic.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 


16 U.S.C 1681 section 602 A States I 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.