Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Sued w/o proper notification of suit

In XX/XX/XXXX, I was forced into a position where I needed a loan from XXXX to make a deposit on a place to live. In XX/XX/XXXX, I lossed my job and could no longer make payments toward this loan. At this time, I had already paid back the loan amount, but was still being charged interest. My loan was charged off in XX/XX/XXXX. Collection efforts stopped and I was informed that my loan was null and void since XXXX was being sued for illegal online loan servicing. This loan was also removed from my credit report. 

On XX/XX/XXXX, I was notified by my Financial Institution that a levy had been placed on my bank accounts. I contacted the firm listed on the levy and was told that they were attempting to collect for this XXXX XXXX loan. I was NEVER notified in any way that an attempt to collect the debt was still in place. I DID NOT receive a summons to appear in court and lost the right to defend myself. 

The law firm listed on this levy is GCFS , Inc . I contacted a lawyer who advised me to review the court documents on my case. I found that a judgement had been passed on me in XX/XX/XXXX. I also discovered that the Proof of Service of Summons included false and inaccurate information. The servicer lied and stated that I was served by personal service at my former employer AFTER I had lost my job. I have since filed a request for dismissal with the court for this judgement against me. 

Additionally, the loan was charged off in XX/XX/XXXX and the Statute of Limitations to collect on this debt has expired. 

I have also filed a Claim of Exemption for the bank levy since the deposit accounts held are my only source of income and neccessary for my basic needs. 

This law firm has no legal right to collect this debt and filed false court documents to get a judgement that I was never even aware of.
Complaint sub-issue: Problem while selling or giving up the vehicle

On XX/XX/XXXX, I contacted Musa Auto Finance to break the lease of a XXXX XXXX XXXX that was leased due to my then ex-wife and I moving to XXXX under her military orders. I spoke with XXXX XXXX as can be noted in the emails. She was going to check with the legal department and get back to me about coverage under the SCRA for spouses. She sent me paperwork but I did not sign the voluntary surrender agreement form to be held responsible for the balance as can be noted in the second email. XXXX XXXX was going to get back to me about coverage and if not, the vehicle would be returned to me and the lease to continue which was not a problem. Instead, after my return to XXXX to settle affairs, we made agreements for the vehicle to be picked up without the responsibility form being signed as the legal team was still " looking into it. '' On XX/XX/XXXX she contacted me saying they needed to pick up the vehicle and I asked them that if I could have the option of having the vehicle back if they found out I was not covered. She said yes and we scheduled pickup of the vehicle mind you as the last payment had been made on XX/XX/XXXX. XXXX XXXX- I called her and XXXX in XXXX and XXXX and they assured me the vehicle had been sold ( XXXX said XXXX, paperwork on their end says XXXX but the bill of Sale says XXXX ) and there was no balance. XX/XX/XXXX- They started sending balance delinquency paperwork and even reported collection on credit report. Had it disputed/removed. On XX/XX/XXXX, I contacted MUSA 's billing department and they stated there was a deficiency letter dated XX/XX/XXXX. In this email, they note their notes from XX/XX/XXXX to XX/XX/XXXX were of me being advised of not being covered under the SCRA but yet the bill of sale attached is dated for XX/XX/XXXX. That email, outlines the dates and facts I provided to them to have someone hirer up respond but never did. I have since then filed a XXXX complaint against the new company name of XXXX XXXX ( Case # XXXX ) in which they responded that the account had been sold to a collector, ( XXXX XXXX XXXX, XXXX XXXX, TX ) who I also opened a XXXX complaint ( Complaint ID # XXXX ) and they removed the account only to reinstate it after 2 weeks. Attached are the emails between myself and XXXX XXXX on behalf of Musa Auto finance, the call logs spanning from XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  complaints including the responses from both companies.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and 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 ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Enclosed is a fraudulent request for money under threats with information on where to send money. This place has called me numerous times and threatened my wife and XXXX  child. They have said that they have connections with XXXX an that if I do not wire them {$3000.00} they will have my XXXX  child given to XXXX  thru XXXX, threatened to ruin my businesses reputation, and many more threats beyond what they put in writing were by phone. I don't owe any debts and this is a collections scam. If this company is legal it needs to be shut the XXXX down for trying to collect on non-existent accounts thru collections fraud and thru threatening XXXX, my wife with XXXX and XXXX and me as XXXX XXXX XXXX XXXX  with XXXX. I want this filthy degenerate company to stop their scams and stay the XXXX away from me and family.
Complaint sub-issue: Information is not mine

Equifax continues to report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to Equifax and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Was not notified of investigation status or results

i got a refi loan and my creit score dropped 38 points i have over XXXX XXXX credi available need restore me my score to XXXX score please responed to thise matter as soon as possible my soc # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX IS IN VIOLATION Equifax has XXXX XXXX XXXX as being opened since XX/XX/2016 but the payment history for each month of 2016 is MISSING. 

The full payment history has been provided to them and is provided here. Provide the complete payment history for this account or delete entire account.
Complaint sub-issue: Debt is not yours

Collections is not from original creditor. I do not owe ERC-XXXX {$1400.00}. I never heard of ERC. I never did a contract with them.
Complaint sub-issue: Problem lowering your monthly payments

I graduated from XXXX XXXX university in 2016XX/XX/XXXXwith a XXXX XXXX XXXX where I specialized in XXXX. I work for a XXXX XXXX XXXX and am currently in XXXX school funded by my employer because I was not able to find a higher paying job with my degree. Sallie Mae calls my co-signer and I several times a day from XXXX XXXX XXXX XXXX XXXX to collect payments. I have a small child and cant afford to pay the amount they are requesting, they do not offer consolidation services, income based repayment, or any other payment plans without accruing interest and raising the total amount on your loan. Because of this my credit is very low and Im unable to qualify for refinance through another company to consolidate. Im currently seeing a XXXX to manage the XXXX  Im experiencing trying to manage this situation while balancing my personal responsibilities. I have asked about my options and have not been able to get a reasonable solution to help me pay off XXXX of debt for a 4 year degree.
Complaint sub-issue: Other problem getting your report or credit score

I have a monthly account with XXXX  as I have been preparing for a mortgage for this year. I pay to have all 3 pulled together monthly on the XX/XX/XXXX so I can also see my Fico 8 score and my mortgage score and get it to where its needed to secure a mortgage. I had recently pulled it manually on XX/XX/XXXX because I had paid things off and wanted to see where I stood and I wasnt able to get the report from Equifax but had no problem with a new report through the other 2 bureaus.

I also tried directly on the Equifax site and havent been able to obtain one since  XX/XX/XXXX. I immediately called Equifax and was told I had to verify my identity and send them a copy of my s.s. card, license and utility bills. I immediately faxed that on XX/XX/XXXX. I called them a few days later they confirmed all the information and verified that it was good and continued on to ask some more identification questions to pass. Once that was done she said all was good and she would process everything. When she did that she said an error was coming up and that it needed to be escalated to consumer affairs but unfortunately they werent open at that time. I spent more time during the week calling having to verify information again with questions, having calls drop regularly and their phone systems not working properly. Finally on Saturday the XX/XX/XXXX after many dropped calls and hours on phone I was sent to consumer affairs. They said it was just a matter of updating names because of the capitalization and lowercase and uppercase. That was there reasoning for my mismatch error I was getting through XXXX, so they say. During the updating he suggested I go directly through equifax too and purchase their product so I agreed but they had problems with that and said they would put a ticket in and figure it out but that wouldnt affect my credit being pulled anywhere. They assured me I would not have any problems with my report being pulled. Well today XXXX could not automatically pull my 3B credit score and report with equifax because of mismatch information. They said they fixed it and I spent hours on the phone and am at my wits end. If I call back I will go through all the verification again if Im lucky Ill get to the consumer affairs. They didnt seem to really know how to deal with this. I have a mortgage application that I will need to pull to begin my process come end of XX/XX/XXXX and this right now does not help and Im not sure where I completely stand without those scores included. Im reading horror stories of many others having their mortgages held up because of this. I find that this happening in our country to be unacceptable to not be able to pull our own credit report and feeling held hostage by one company. I would very much like this resolved. 
Any help going forward would be appreciated. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I requested that Equifax verify an alleged bankruptcy and they responded on XX/XX/2020 that it was verified through XXXX XXXX. However, my XXXX XXXX file is frozen, so that was inaccurate.
Complaint sub-issue: Debt is not yours

.    One  day  XXXX   XXXX  came to my house and referred a company that will install a water heater solar panel in my roof. He then let us signed a contract for the installation. However, when the installers came, we changed our mind and did not let the installers proceed. In others words, we cancelled the job.  One month later GreenSky started sending me the bill. So I just ignored it because since we cancelled the installation I do n't owe any money. This company just persistently sending me the bill with interest. One day I wrote a letter on the statement stating that the item was not done because I cancelled the installation. The following month GreenSky  sent a bill with interest totalling {$10000.00}. So I called again telling them that I just sent them a formal letter dated  XXXX   XXXX ,   XXXX   telling them that the job was not done. So I called again and  one of the rep.  that I talked to by the initial of  XXXX . on  XXXX  said that they never received any letter. My big issue now is that this company even reported this to the credit bureau and ruined my credit already. I want them to removed this issue on my credit so that I will have a good credit again. Thank you very much for your kind assistance regarding this issue.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

my son and my daughter are willing to take full responsibility to pay their student loans. 
but yet the collection is agency is bullying and harassment me to pay for these student loans even though I co-signed the parent plus loan. my understanding is that if they are willing to pay, since they are adults and why are they not granted this opportunity to do so. additionally I am requesting an itemized bill on the loan amount for the tuition, how much has been paid and how much is remaining. since the XXXX college went out of business I could not get a live person to speak with regarding this critical matter leaving me very devastated and high stressed. the collection agency threatening to garnish my salary. my 2017 tax return was seized by XXXX  loan company. thank you for your assistance regarding this matter
Complaint sub-issue: Account status incorrect

Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance.

Please provide physical verification, method of verification, and validation of debt for this account. 


XXXX XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX I moved and started new internet/cable service with XXXX. They did a hard inquiry into my credit on XX/XX/XXXX, which I did authorize. 
Two weeks later I received a notice that all of my services had been discontinued and I needed to contact XXXX to set back up. On XX/XX/XXXX I called XXXX to reinstate the service they cancelled for no reason and without my authorization, they ran my credit and put another hard inquiry on my report. 
Once I realized this error at the beginning of XX/XX/XXXX, I disputed the second hard inquiry from XX/XX/XXXX with Equifax, the reporting agency, and they told me the dispute had to be with XXXX and that they weren't able to resolve. 
After the response from Equifax I contacted XXXX and after several weeks they told me they had submitted a deletion request to Equifax to remove the second hard inquiry on my report. 
It has been over a month and this hard inquiry is still showing on my credit report, thus hurting my credit score. It seems that XXXX isn't doing their part and Equifax isn't taking responsibility to remove the incorrect/unauthorized inquiry. It would be very helpful if CFPB could reach out to the necessary company to have this hard inquiry removed from my Equifax credit report. Thank you.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that XXXX and XXXX Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1. MERCHANTS CR XXXX Balance {$70.00}
Complaint sub-issue: Account status incorrect

My Ex-Wife and I recently went through a loan modification with Bank of the West. Per the terms of the modification, Bank of the West was to forgive all past due payments and roll them into the back end of the loan and consider the status of the loan current. I have filed disputes with all three credit bureaus ( 3 and 4 times each depending on the particular credit bureau XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX are the dates for XXXX ) and each time Bank of the West comes back saying the info on my credit report is accurate. The loan is now considered current but they have not reversed the late payments and my credit is still being negatively impacted. I have the signed and notarized modification letter signed by both parties clearing stating the late payments will be forgiven and the loan will be considered current. I am writing this complaint to help have Bank of the West reverse the late payments as stated in the modification or remove the account from my credit report altogether. I have called and left messages with the loss mitigation department, the last date being XX/XX/XXXX but my calls do not get returned. The loan has since been paid off but the late payments, as stated previously are still negatively impacting my credit. I have done everything possible to get this corrected including filing a complaint with the XXXX XXXX XXXX on XX/XX/XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I paid my debt back to Lendup this past XX/XX/2020. 
Since my debt is paid off I asked for this company to close or delete my account off my credit reports. They refused to do so because of lawsuit or settlement issues in the state of California and the other states in United States. 

My paid in full loan # XXXX My request for deletion of account # XXXX verification code XXXX. 

I have also submitted a letter to all 3 credit reporting bureaus and this action has not been completed on my credit report.
Complaint sub-issue: Account status incorrect

Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the XXXX XXXX  XXXX XXXX . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the XXXX  XXXX XXXX XXXX pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of XXXX  XXXX XXXX for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW process.
Complaint sub-issue: Problem getting your free annual credit report

I am trying to get the credit report from Equifax. I used the web site provided to try to get all three credit reports. 
The Equifax page gave an error message and a phone number to call. I did and had a horrible experience. The phone menu is useless and tries to send you to the web page, which just kicked me out. They kept going in several loops until I opted to file some form so that I could get to an agent. 
The agent asked several questions to try to verify my identity. He said the system couldn't verify me and couldn't say why so he asked for my cell number so that I could take a picture of my drivers license, my SS card and myself to send back to them. When I complained he gave me an address to request by mail. 

I have been able to get my credit report over the years without any problem. My impression is that Equifax does not want to provide the information for free and would like to steer people to a paid site.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Account information incorrect

{$370.00} is what XXXX XXXX says I owe them. But I have never had a actual phone bill, it has always been prepaid phones. I have XXXX currently. Someone opened up a account in my name and I think I might know who did it. I would like to resolve this asap. Thank you.
Complaint sub-issue: Investigation took more than 30 days

these bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX I filed a dispute about an incorrect address to Equifax. It is an address from XXXX to a place that I have never even been to on the opposite side of the country. In fact I had never even visited this state until XXXX. Equifax agreed on XX/XX/XXXX, and said, " We have reviewed the former address. The results are : The disputed address has been deleted ''. Problem is we are now XX/XX/XXXX and the results have not been deleted from Equifax. 
I called In XXXX and they claimed it should be off by the next month because it can take 30 days. I have waited patiently for it to be removed. I checked today and it is still there. I called today and was told it can take 90 days. But I should probably start a new dispute even though I have a copy of a dispute saying is has been deleted! I asked to talk to a supervisor, but one was never available. After over 40 minutes on the phone I gave up.