Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get flexible payment options

Since 2011, Fed Loan Servicing put me into multiple months of forbearance because I could not afford payments. However, in those months, the forbearances were from the company mishandling my paperwork for my loan repayment programs and were not my fault. They always stated that they need at least a month ( i.e. a full payment ) to make corrections, which cost me {$3000.00} per month.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I moved to my current address in which XXXX does not cover here! I contacted them to let them know I couldn’t use my service here and I sent documents showing my new location and they agreed that they don’t have coverage here. Now it is on my credit. This keeps coming back with new dates as well.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  accounts has violated my rights. 

1 ) XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX XXXX XXXX XXXX 6 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish A account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the original creditor XXXX XXXX XXXX per Equifax, the XXXX is XXXX XXXX   XXXX, The XXXX has furnished a letter to me, in turn I have furnished to Equifax during the dispute process, they letter categorically states XXXX has no application/ contract on file for the alleged account. 
Therefore this alleged account DOES NOT ARISE FROM A CONSUMER CONTRACT. 
Equifax is simply parroting its XXXX results as it has done in previous dispute regarding this account.
Complaint sub-issue: Investigation took more than 30 days

I sent in paperwork containing undisputed and overwhelming evidence about a late payment that XXXX XXXX XXXX XXXX  that is illegally and inaccurately being reported to my credit profile. Its been well over 30 days and Ive yet to receive confirmation that it has been deleted and have monitored my credit profile and it is still being reported falsely. I sent in a certified packet through USPS that I put a lot of work into and have been left in the dark. Im very disappointed.
Complaint sub-issue: Investigation took more than 30 days

Equifax Unfair practices..On XX/XX/2021 my score dropped AGAIN 54 puts because my XXXX balance DECREASED by {$25.00}. NO REASON and UNFAIR. 

I disputed the XXXX charge with XXXX XXXX here on Consumer Finance as fraudulent account that wasn't mine AND IN THE SAME TIME FRAME because I disputed this account for {$5700.00} with BOTH BUREAUS SAME DAY. I'm STILL HAVING the same issue with Equifax about XXXX. They can not prove it's mine because IT'S NOT MINE. I called after 30 days of investigation for them to remove the account. Equifax told me that XXXX told them it was my account. I told Equifax that XXXX MUST PROVIDE PROOF! Equifax told me that the next step was to file a complaint with them requesting proof. I told Equifax giving them and additional 30 was against the law and to remove the account immediately! Equifax told me no. It was legal process. And gave them and ADDITIONAL 30 DAYS!!! They will not let me dispute even though the applications tool is present in my Equifax credit portal. So in the meantime, XXXX XXXX  and XXXX XXXX has issued me credit cards 5 weeks ago $ XXXX each and neither XXXX XXXX nor Equifax will add it to improve my score. TOTALLY UNFAIR PRACTICES ... Next step was I put a freeze on my social security number in XXXX to prevent further unauthorized actions of identity theft. I tested them by applying for the XXXX and XXXX XXXX Cards and they went right through. No freeze put in my SS # at all. Gave me immediate hard inquiries and dropped my scores. If anything negative happens, the credit bureau attacks my score and they refuse to give me credit increases. They told me I HAD TO BUY MY SCORE! I have access to XXXX XXXX so that's how I keep up.. If I have positive reports, they never raise my score until 5 or 6 weeks later or if at all. Please investigate. Sorry I don't have accurate dates at hand. Can I use for unfair practices, discrimination?
Complaint sub-issue: Information is not mine

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 
Now these creditors that were showing on my credit report they were removed but now they are trying to pursue for collections activities. These accounts were opened without my authorization and ALL COLLECTIONS ACCOUNTS must be removed immediately!
Complaint sub-issue: Public record

hi i had a chapter XXXX bankrupsy back in 2006 due to a divorce. i have been rebuilding my credit ever since. it has been almost XXXX years, when will this bankrupsy come of fof my credit report? i thought it was after XXXX years.
Complaint sub-issue: Account status incorrect

I have mailed dispute letters to the company XXXX in regards to validating student loan debt but I have not received anything information regarding the loans back in the mail from them they have failed to validate the student loans and they will not remove the accounts from my credit report. I sent these letters out in regards to all five of the student loan accounts that need to be validated but they havent been on XX/XX/2020. In the past they have wrongfully tried to collect on the student loan debts even while I was in school and still am a full-time student.
Complaint sub-issue: Reporting company used your report improperly

I, the consumer, in fact, am a victim of identity theft, and pursuant to 15 USC 1681c-2 I am requesting the block of such information resulting from such identity theft from my consumer report. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in error nor is there any material misrepresentation by me the consumer so my request should not be declined.
Complaint sub-issue: Indicated you were committing crime by not paying debt

Greetings. 

I contracted with XXXX XXXX XXXX company to installing solar panels on my home/private business. The sales representative falsified documents pertaining to payment method ( said we could setup auto pay with the company credit card ) however this was false in the final contract. Additionally, the installation timeline in the original communication said we had 3 days after installation to verify the equipment. This was also false, it is 3 days BEFORE. This resulted in panels being installed and damaged to the property being done. 

Upon finding the damage and realizing the falsified contract presented by the sales agent, XXXX XXXX ( XXXX ) XXXX And XXXX XXXX ( XXXX ) XXXX I requested cancellation and was assigned a case manager, XXXX XXXX. XXXX After multiple emails and phone calls, she has refused to assist in the cancellation anymore. She has also refused to take calls, and when I have attempted to call the XXXXXXXX XXXX  am blocked, therefore preventing me from resolving current and future issues. 

Solar Mosaic LLC contracted with XXXX XXXX, on behalf of XXXX XXXXXXXX  to serve me a debt collection letter on XXXX XX/XX/2023 for the installed panels, despite my repeated communication to cancel. My credit score has dropped to XXXX from XXXX and now I am either forced to pay the delinquent amount or face further harassment. 

Additionally, I have been responsible for paying {$410.00} in fees to Solar Mosaic LLC and {$2200.00} in electric bills to XXXX & XXXX that were supposed to be covered by the XXXX XXXX XXXX. 

The panels we installed in XXXX and have not been activated, resulting in no benefits being received. The servicing agent, XXXX, even made mention that panels were not activated when he served me at XXXXXXXX XXXX on XXXX XX/XX/2023. 

In summary, XXXX XXXX XXXX and Solar Mosaic LLC are intentionally targeting XXXX XXXX ( myself XXXX ) and XXXX veterans ( my wife XXXX - XXXX ) with their deliberate refusal to honor cancellation agreements. My intent is to inform and hopefully prevent others from becoming victims of these companies. 

XXXX XXXX
Complaint sub-issue: Problem with customer service

I have been impacted by covid pandemic. We are unemployed both myself and my husband with no income. We barely have anything to pay home, utilities and food. The company was reached several times. They refused to give me forbearance or deferred on account of a pandemic. This is inconceivable.They are forcing me into making monthly payment with income that I do not have,. I wanted to request deferred for year until things get better hopefully by then I can resume my payments as described. They will force me into income then change the monthly as described in their forms.very deceptive .This is unethical and unjust when I am unemployed due to the covid pandemic. They found loopholes to say they dont fall under cares act. Claiming they are under banking ... This is contradiction, of which all banking institutions have given deferred on mortgages loans and credit cards. How do they justify these loopholes.
Complaint sub-issue: Charged too much interest

Was charged {$140.00} in interest, however per the recorded phone call on XXXX XXXX, I was told there was a credit being given back to me. Taken the promised credit, credit from returns and payments, it covered that statement balance. Ive been a long time customer and always pay my card in full. If I was not going to be given the credit, they should of not told me and I would of paid the difference to avoid interest charges.
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 confidentially under 15 USC 1681. 


XXXX XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 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 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 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: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was unable to access my credit report, each time i would call or request one i would be advised my answer to the security question are incorrect. The Questions being asked were of no connection to me. I advised EQUIFAX on numerous occasions. In XX/XX/2019 i was made aware that a debt collection in the amount of XXXX was on my credit report. i instantly knew it was inaccurate as im a Georgia resident and the bill was From a Power Company in The state of Sc, almost 300 miles from my home.i constantly and persistently called to be told the debt was MINE??? No way, i sent a letter demanding it be removed with a letter of credit and residency from My power company.i called Equifax whom put me on hold and released the line. This Debt is in no way related to me and i would like it removed. After dealing with all that, i get a letter from equifax stating i was in the Breach.This is ALARMING.
Complaint sub-issue: Personal information incorrect

For your consideration, All three credit bureaus have incorrect information listed on my credit report pertaining to previous employers. Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as names of previous employers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous employers in accordance with the Fair Credit Reporting Act.

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 with my written instructions which none of the three major credit reporting agencies have obtained from me.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax by USPS mail in XXXX to investigate the completeness and accuracy of several accounts reporting on my consumer report. Equifax performed the investigation, however, Equifax failed to notate that the accounts were previously disputed. My understanding of the FCRA is that once an account is disputed by a consumer, a notice of dispute must be added to the account on all future consumer reports. I disputed the accounts again and pointed out that the notice of dispute was missing for the accounts that were previously disputed. In my dispute, I requested that these accounts be removed for being in violation of the FCRA. Equifax received my dispute via USPS mail on XX/XX/XXXX. Equifax completed their investigation, and deleted one account, XXXX XXXX XXXX. The other accounts remained, and Equifax has again failed to add the notice of dispute to the accounts that were in question. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate. I received a letter from XXXX XXXXXXXX XXXX XXXX where they explain to me that my personal information was compromised on their system and they will pay a year free for XXXX that way I can check my credit report, I'm trying to find that letter but I missed but you can make communication with them and you will make sure some on toke my personal information amd I was seeing inquires on my credit report I never consent or allowed. Please check with XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, am filing this complaint on my behalf and is not made in error. LexisNexis is reporting inaccurate and private information on my consumer report and sharing information with other consumer reporting agencies.
Complaint sub-issue: Can't temporarily delay making payments

I have long struggled with the loan repayments as a single mother to a son with XXXX needing special intervention. Despite having XXXX college degrees, I have difficulty making ends meet. I always work full time and have *at least* one or two side gigs to supplement. 

I didn't realize until the pandemic that when I refinanced/consolidated my XXXX XXXX loans to NelNet, I was put into loans backed by private lenders, so I am not qualified for any of the assistance others are getting, including the Covid forbearance OR the Public Assistance Student Loan Forgiveness program .

When I applied for the XXXX XXXX XXXX XXXX XXXX, I was informed my servicer would be notified and I could place the loans on hold for up to a year while the determination was made. I uploaded the documentation, but they did not acknowledge or accept it. Yet, interest and penalties continued to accrue. I have tried a few times to call NelNet and had difficulty reaching an actual person with whom to speak, which was different from past experiences, and this may have been due to the holiday season. 

I uploaded the documentation again, but they did not acknowledge or accept it, and since XXXX NelNet has decimated my FICO by reporting delinquent payments. 

NelNet finally offered a 3-month administrative deferment, beginning XX/XX/2022 ( and still hit my credit reports later that month ), while simultaneously removing the subsidized component from one of the loans. 

I was laid off from my job at an escrow and title company, along with another, because we were at the bottom of seniority and the real estate markets have slowed. This occurred on XX/XX/2022. I have applied and been awarded unemployment and am once again searching for a job. I attempted to update my deferment to reflect this information, and NelNet has denied it, though I am still looking for the reason why. 

NelNet has hit my credit reports for three consecutive months so far. My XXXX has dropped more than XXXX points because of it.
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 and confenditiality under 15 USC 1681. 
Account # XXXX, and Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 States I have the right to privacy.

15 US.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

15 U.S.C 1681C. ( a ) ( 5 ) Section States no consumer 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 reporting agency if the person knows or has reasonable cause to believe that the inforamation is inaccurate.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I received a text today ( XX/XX/21 ) from a law firm, called MVBA. I did not open the text, fearing it was spam bc my notification window described a law firm in Texas wanting to collect debt I had in XXXX, TX. 
I have never lived in TX, and the last time I was there was 25 years ago when I was XXXX years old. 
I searched online and found MVBA to be recognized as McCreary, Veselka, Bragg, & Allen. 
I believe this is a fraudulent firm. 
The message claimed to be from XXXX XXXX XXXX and the phone number was ( XXXX ) XXXX.
Complaint sub-issue: Deposits and withdrawals

On XXXX XXXX 2020 I received a refund from XXXX for an item I Purchased with my visa Credit Karma card which i have provided screen shots of The refund was issued was to post in 3 days I called Credit karma to inquire about why the refund has not been posted on the 3rd day Which today is XXXX XXXX 2020 I was told by customer service 2 different things one rep told me funds would not be made available till Monday XXXX XXXX which is unacceptable another told me That she does not see a refund issued on my account I called XXXX for a second time to see if they did issue the refund and i was told by their rep the refund was issued on the XXXX of XXXX I was also told by a representative at credit karma That i made using their visa card to release my personal banking and routing information for a refund which is unheard of for any type of refund They say Credit carma uses XXXX XXXX as their bank I called XXXX XXXX  and was transferred back to credit karma because XXXX wasn't able to access my account even though all transactions regarding my account goes through XXXX for routing purposes thru Credit Karma Credit karma should not be allowed to have access to people 's funds or money if credit karma can't even provide a customer with any kind of account information support or access to the customers actual funds a third party does they are not the bank XXXX is the bank and XXXX XXXX handles their customers not credit Karmas customers.If you have a credit karma account as a customer you have nobody to speak to in customer service who can accurately help you with funds or deposits made in your account This company should be looked in to as a whole as this is not the first issue I have had with them regarding funds in my account And I would caution anyone who reads this to never sign up with credit karma This company is not a safe financial institution to keep any of your funds
Complaint sub-issue: Didn't receive enough information to verify debt

In reading my XX/XX/XXXX credit report, I saw that Enhanced Recovery Corp has filed a collection report with XXXX, claiming I owe {$47.00} for a Cable or Cellular creditor. Enhanced Recovery Corp has never contacted me, nor have they sent a written validation notice of this alleged debt. I have no knowledge of this collection. I disputed this collection with XXXX onXX/XX/XXXX.