Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I sent my letters off and told the credit bureaus to investigate every piece of information on the account I have listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I will provide my credit report showing all the in accuracies. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX shows 3 credit inquiries related to a mortgage application. They had a system problem that caused me to have to submit the application 3 times ( one of which was done incorrectly ). It's OK for me to have 1 pull, BUT NOT 3 of them. 

They said they'd take care of these pull ( remove from XXXX  ) from myself and my wife but they have not done this.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting the address of XXXX XXXX XXXX XXXX NH On my credit report and continues to break the law by keeping it on my credit report After many disputes through my online account with them and they are not providing information on where they are getting this information from which is required under federal And NH state laws. 

XXXX link proving XXXX XXXX XXXX doesnt exist XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NH XXXX doesnt even exist as an address. Why is this address intentionally put on my credit file when its fraud and doesnt exist? 

Any response from equifax telling me to contact them via phone Is not a legal response. I have a online account with equifax. Any response stating telling me I can do a dispute via online is just retaliation, abuse and an admission to doing fraud and breaking the law. Iv already done many disputes about this address with equifax. 

Consumer financial protection bureau should not be in conflict not be in conflict of interest With any consumer reporting agency including but not limited to equifax, XXXX, XXXX and XXXX. Knowingly refusing to remove information that doesnt exist is a crime. Refusing to provide where information is coming from during investigations is a crime. Refusing to look at evidence that Iv provided with my complaint through the consumer protection bureau means your breaking the law. 

I video tape anything coming in the mail FYI. To prove mail fraud.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 2 of my USB cards were charged from XXXX {$150.00}. On XX/XX/2021 I received a credit for {$150.00} which I believed to be from XXXX on acct ending in XXXX. However on XX/XX/2021 USB reversed the credit for {$15.00}, stating it was theirs. However on my XXXX statement, it shows they sent the money back to USB on XX/XX/2021 conf # XXXX, which they say they refunded to the card ending in XXXX, replaced by XXXX on XX/XX/2021 by USB. 
As of XX/XX/2021 none of my credit card accounts have shown/refected the refund by XXXX, and all XXXX reps from USB I have talked to are unwilling/unable to help. They spent a month doing research and now are in fact keeping funds that were meant to be refunded to a my account. 

Needless to say this is common practice by USB fraud department, were they appropriate funds that do not belong to them and hold them for any period of time without a resolution. In this case complete refusal to even look into the conf # provided.
Complaint sub-issue: Reporting company used your report improperly

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

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

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

Dispute letter sent out on XX/XX/2020 and i have yet to get a response this account is harming me with living a normal life
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3100.00} XXXX  XXXX XXXXBalance : {$440.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Complaint sub-issue: Trouble with how payments are handled

My son received federal student loans while attending college at XXXX State University. The problem is that before the loans went into repayment while he was still attending college, the service provider Nelnet, compounds the interest. This makes it nearly impossible to repay the loan timely and get the principal paid. Last year, he made approximately $ XXXX in payments, and over $ XXXX was interest only. These are ffderal student loans, why does the government take advantage of our students. May be legal, but it 's not ethical. In addition, statements and Nelnet in general is hard to deal with and nearly impossible to get information that makes sense. 

Son # XXXX is currently in college at The University of XXXX, and I 'm trying to make occasional payments to his federal student loans being service by Nelnet. I 've asked that the payments be applied to the interest so that when he begins repaying, the interest burden is n't so bad. Nelnet applies the payment to principal so that they can continue to compound the interest. 

Nelnet statements and information provided about a student loan is very misleading and confusing. 

Please audit and Nelnets practices.
Complaint sub-issue: Billing problem

For on time payments made XX/XX/2020 and XX/XX/2020, the amount applied to principal was incorrect. More was applied to interest than principal. I compared the amortization schedule given at closing to the print out of payments made through the course of the loan. I approached XXXX XXXX about the discrepancy and was told she would reach out to her boss. After several calls I was able to reach her and she informed me her boss would not make any adjustments. For XX/XX/2020, of the XXXX payment made, XXXX was applied to principal ; however, according to the amortization schedule, XXXX should have been applied to principal. For XX/XX/2020, of the XXXX payment made, XXXX was applied to principal ; however, according to the amortization schedule, XXXX should have been applied to principal. We were totally ignored and brushed off.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous item listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These item must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these item, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiryXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX.
Complaint sub-issue: Account information incorrect

I've tried reaching out to XXXX XXXX XXXX Credit Card Services due to information not updated on my credit reports for XXXX, Equifax, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the incorrect information on my credit report for several months with XXXX, Equifax, and XXXX and I have not been able to get the errors on my credit report corrected. There are several erroneous accounts on my credit report from creditors that I have never had an account with and I want this information to be removed immediately. I have never had an account with XXXX XXXX for {$740.00}, XXXX XXXX XXXX XXXX for {$630.00}, XXXX XXXX XXXX XXXX for {$910.00}, XXXX XXXX {$680.00}, XXXX XXXX  {$1200.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$440.00}, XXXX  {$740.00}. Please remove the incorrect information from my credit profile as it is negatively impacting my scores.
Complaint sub-issue: Application denied

Adverse action against a consumer is Against the Law according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

Discover criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received. 

Discover is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( Credit Card ) was used, I received NO benefits. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Discover.
Complaint sub-issue: Was not notified of investigation status or results

I am having a hard time believing that an investigation was done because there is still an account that was disputed in XXXX, and XXXX still reporting on my account. I have not received a notification stating that a dispute was opened which is odd. I am asking XXXX, EQUIFAX, AND XXXX to conduct a thorough investigation and update the following account to paid as agreed, never late per the CARES ACT. The account is XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Problem with fees

I called the credit card company customer service again today XX/XX/2019. 
I asked him why I was charged a late fee of {$85.00} and they said because I didn't pay it on time in spite of the fact that I have a minimum balance that they automatically get so they're paid on time. I also pay the full amount, this month it was {$5500.00}, a few days before the due date. 
The representative insisted that does not qualify as being paid on time. They have it rigged so It's impossible to pay on time according to them. I think any reasonable person would say that I'm paying them on time and have never been delinquent. This has been going on for many months. And I have paid thousands of dollars in late fees even though I always pay on time in full. 
The best arrangement I could get with them was to pay my bill in full automatically for 2 months and then I might not be charged any late fees after that. 
Out of desperation and because they left me no alternative, I agreed to that arrangement. 
I think what they are doing is unethical and probably illegal and that they should refund all my late fees to me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Was ill for many years. 
taxes were filed again me originally in the State of XXXX since XX/XX/XXXX State of XXXX  sold rights off to this account to a collection agent to date in XX/XX/XXXX ; this collection agency has taken payments each month in the amount of {$1800.00} per month for 9 payments.
Complaint sub-issue: Old information reappears or never goes away

I would like a full credit repair for all credit bureaus. They have incorrect information on my reports and Ive tried to dispute them but get the same answers every time
Complaint sub-issue: Their investigation did not fix an error on your report

I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened  XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened XX/XX/XXXX, AES/XXXX XXXX XXXX opened XX/XX/XXXX, Aes/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Complaint sub-issue: Trouble with how payments are being handled

My Teach Grant was converted to a loan. I called XXXX XXXX XXXX to make this situation right as I have been working in a low income public school for 2 years and they told me I didn't re-certify in time. I never received an email from them. They told me it's my job to check their email frequently for notifications. I'm still working in the same school teaching low income schools, so I am continuing to fulfill my end of the agreement. 

Secondly, my Public Service Loan Forgiveness keeps getting denied for things like : -the start and end date were on the same line -all pages need to be uploaded again even if you have already submitted a cover page in a previous upload
Complaint sub-issue: Reporting company used your report improperly

After reviewing my credit report for the first time in years, i noticed that I have an abundance of unrecognized hard inquiries most prominatley in the form of, but not limited too ; " XXXX XXXX. The " Creditors '' are listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not liable for these inquires and do not have a contract with XXXX  They have repeatedly failed to provide me with the original application as requested. per 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Complaint sub-issue: Account information incorrect

I call to let them know that I never opened account with them. Whoever open the account had several addresses and telephone numbers on the account plus they have two military cards added to the account. They told me they would flag the two accounts as fraud. They would make it impossible for somebody to open up another account in my name. They opened 2 accounts on XXXX & XX/XX/21 of a total of XXXX each.
Complaint sub-issue: Report improperly shared by CRC

Please see the screen shot stating my credit report was pulled on XXXX XXXX and I have not applied for anything. Equifax has destroyed my credit report as I have mode a number of complaints and they are still adding additional information on my report. I have attached a screen shot of the latest error on my report. Please have Equifax to remove this inquire " XXXX '' ASAP! This is just one of many issues I have complained about. 

Also, please see that on XXXX XXXX Equifax stated I had an address change and that is not true every since then I have number of bad accounts on my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, Equifax and XXXX are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Complaint sub-issue: Their investigation did not fix an error on your report

on XXXX/XXXX/XXXX i sent a letter and fax to Equifax disputing a tax lien that appeared on my credit report. I stated that this report is not reporting accurately and that i wanted a proper investigation or to simply remove the account. Under the Fair Credit Reporting Act, the credit bureau must do a proper investigation by contacting the furnisher and get the correct data and report accurately. This was not done at all. the item in question which i am requesting to be removed is below. 

XXXX County Special Civil Co Case or ID # XXXX Equifax responded on XXXX/XXXX/XXXX and failed to do a reasonable investigation on this tax lien which is showing up as a public record. Equifax did n't even bother to contact the court clerk to verify anything. Instead Equifax sent me a incorrect response and resolution to my dispute which clearly violates my rights under the FCRA. I am requesting that Equifax do the right thing and remove this inaccurate trade line off my credit report. 

Equifax Confirmation # is XXXX i have attached my letter sent to equifax and their response.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX XXXX of J & D Recovery , Inc contacted my office regarding an outstanding invoice with a New York based company, XXXX  XXXX XXXX XXXX. I requested that XXXX XXXX send me an email with written notification of the debt, as my company had paid the invoice the previous year. XXXX XXXX sent me an email but did not include notification of the debt, nor the outstanding invoice in question. I responded to XXXX XXXX 's email with information that the check we had sent the previous year had not cleared, that I had stopped payment and reissued the check, and gave the date upon which it was sent. I then requested that his company stop contacting us. Over the following three weeks, XXXX XXXX has made phone calls to my office that exceeded ten phone calls per day. He has repeatedly used abusive and harassing language when he has spoken with myself and my colleagues.
Complaint sub-issue: Information belongs to someone else

IM FILING COMPLAINT AGAINST THESE COMPANIES FOR REPORTING UNAUTOHRIZED INQUIRIES TO XXXX CREDIT BUREAU : 1. 3. CREDIT PLUS XX/XX/2021 XXXX XXXX XXXXXXXX XXXX 2. XXXX  XXXX XX/XX/2021 XXXX & XXXX XXXX 3. XXXX XXXX XXXX XXXXXXXX XX/XX/2021 AUTOMOTIVE XXXX 4. XXXX XXXX FINANCE, PERSONAL XXXX I'VE CONTACTED THESE COMPANIES AND REQUESTED THEY INVESTIGATE BECAUSE THEY HAVE REPORT INACCURATE INFORMATION TO THE CREDIT BUREA AND THAT I HAVE NO KNOWLEDGE OF THESE COMPANIES AND REQUESTED THEY PROVIDE ME WITH PROOF OF CONSENTING TO HAVE CREDIT PULLED. THEY HAVE IGNORED MY EMAILS AND WRITTEN REQUEST.
Complaint sub-issue: Information is not mine

Some of the information on my credit report is not mine credit inquiries XXXX XXXX XXXX is false and also there 's a credit for auto loan I do n't even have a car Someone is using my information none of the identification answers where mines help me please