Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

I became an employee of a XXXX XXXX XXXX XXXX in XX/XX/XXXX. While serving at the XXXX I returned to XXXX school and earned my XXXX degree in XXXX XXXX. I used student loans to pay for both my XXXX and XXXX   studies. Once I completed my XXXX I researched consolidating my loans so that I could pay them off. I was then led to XXXX XXXX as the only companies that I could do this with as they were a part of the loan forgiveness program through the Department of Education. I applied and began my loan repayment XX/XX/XXXX. 

After making consistent payments for 10 years in XX/XX/XXXX, I reached out to the company to assure that I would only have 2 payments left in the 10 year repayment cycle. I spoke with a customer service representative that informed me that I had already made 133 payments of $ XXXX/month on a 120 payment cycle. He went on to say that I needed to resubmit my loan forgiveness paperwork due to their partner company ( XXXX XXXX ) fraudulently opening deferments. I have never taken or received a deferment. The customer service rep was also able to verify that I had made all of my required payments. In fact, he saw that I had overpaid but informed me that he would need to open an investigation. He warned that during the investigation that I would need to continue to pay, which I did. In XX/XX/XXXX I received a new promissory note that to my surprise stated that I was not eligible and would have to begin payments on the new loan until XX/XX/XXXX. I was totally shocked to see that they did not give me any credit for the payments of over {$49000.00} that I had made and essentially started the entire loan over from the beginning. 

As of XX/XX/XXXX, I stopped making payments and reached out to a few lawyers that I know. To no avail. I have researched other cases and found that there may be a class action suit for this. I NEED HELP any help you can offer. This has already negatively affected my credit and caused me a great deal of despair in trying to get someone to help me address this issue.
Complaint sub-issue: Information belongs to someone else

There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in 2018 up to current about this showing up. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago. This needs to be removed immediately.
Complaint sub-issue: Information belongs to someone else

ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... 

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 


The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...
Complaint sub-issue: Debt is not yours

Asked ERC to please send me validation of debt. They never sent anything. Today, they contacted my husband, which I don't know how they got his number, but they did not give him any information. Just said it was an important matter. I called ERC back again, and asked them what they needed, and gave them my name. They looked up my name, and said there was nothing in their office, which I already knew. Got another call on my phone from ERC and the lady told me she needed my SSN. I told her NO, and hung up the phone. Still don't know what this is about, nor have I received any paperwork from this company. Will not leave me alone ....
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/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 HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Reporting company used your report improperly

Equifax has been deleting and reinserting information in my credit report that causes my credit score to plummet.They have reinserted information without notifying me within the five days that are allowed. They also reinserted information that had been resolved leaving me to think that they actually did not investigate my complaints. On XX/XX/XXXX, I mailed them a reinsertion of previous deleted information letter, and they disputed the things listed in the letter instead of addressing my concerns.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has failed to send over any proof sign signatures etc of the. They stated they verified the information with XXXX XX/XX/XXXX which is false because my XXXX has bee frozen since XXXX of XXXX. Failure to send over proof of documents etc item need to be removed from my credit report.
Complaint sub-issue: Account status incorrect

the payment for XX/XX/2020 was in the pandemic for covid
Complaint sub-issue: Reporting company used your report improperly

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as XXXX XXXX  and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 1XXXX XXXX locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Complaint sub-issue: Information belongs to someone else

show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017 I went in person to the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) branch to add my engagement ring onto my existing renters insurance policy. I had been told previously over the phone to bring the ring for pictures as well as a recent appraisal. Once I was seated with a representative she asked her manager to take the photos and collect my information. I was moved to another cubicle with the manager and she explained that I would receive a bill in the mail pro-rated for the rest of the 2017 year. A week later I received a letter from XXXX that was a Fair Credit Reporting Act Notice ( auto ) that stated I was being denied auto insurance based on a consumer report from XXXX XXXX XXXX XXXX XXXX.  I never discussed auto insurance with XXXX, nor do I have any interest in obtaining a quote from them. I never gave consent for them to pull my consumer report in any way. I have contacted XXXX and spoken with several representatives and managers and no one has an answer for me in regards to why this was pulled or how I dispute it.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT, VIA THE EQUIFAX SECURITY BREACH AS WELL AS XXXX XXXX BREACH AND PERSONAL IDENTIFICATION DOCUMENT THEFT. I HAVE RECIEVED THE FOLLOWING ITEMS ON MY CREDIT REPORT THAT NEED TO BE REMOVED TO CORRECT MY REPORT PER SECTION 605B. HERE IS NO NEED FOR A REINVESTIGATION AS I HAVE PROVIDED LEGAL PROOF AND A NOTHER INVESTIGATION CAN'T DISPROVE FACTS EQUIFAX, XXXX AND XXXX XXXX, PLEASE REMOVE THE FOLLOWING ITEMS ASAP. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADJUSTMENTS
Complaint sub-issue: Information belongs to someone else

This is Ridiculous! This is now my second Complaint that I'm filing against XXXX XXXX XXXX XXXX XXXX and Equifax about IDENTITY THEFT. I sent XXXX XXXX  a certified letter on XX/XX/XXXX informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/XXXX at XXXX. As of today XX/XX/XXXX XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and Equifax is allowing this to stay on here. 
I provided XXXX and Equifax both with : 1 ) My police report when I found out about the ID theft.

2 ) My FTC ID Theft Report 3 ) The Certified Mail receipt from the letter I sent to XXXX XXXX and Equifax on XX/XX/XXXX. 
4 ) Proof of my Identity and address. 

This alone is proof that this account was opened Fraudulently and should be blocked. I have NEVER received goods, services or money from XXXX XXXX Bank NOR XXXX Funding. 

In response, XXXX continues to say that this Debt is valid because they got a " default judgement '' on a case that I didn't appear at because I did not have any notification about this. They sent a letter to an address I wasn't living at which is why I didn't know about this. They also say that I had a contract, initially, with XXXX XXXX bank. To this day I have not seen a contract, any signature or any legal information holding me responsible for this Fraudulent account. 

However, I did follow what the FTC Identity theft department informed me to do. 
I called XXXX XXXX Bank in XX/XX/XXXX and spoke with one of their agents and informed them about the Identity Theft and they said " they will notate it in their records but aren't the owners of this account and I would have to call XXXX Funding which I did. XXXX funding is trying to force me to be liable for an account that was acquired due to Identity Theft. I filled a report on XX/XX/XXXX because when I checked my credit report I had this account and several others and sent this out to the bureaus back in XXXX. Almost a year later XXXX and Equifax are totally disregarding the FCRA laws to Identity Theft. 

I expect this account to be blocked and removed from my credit report.
Complaint sub-issue: Right to dispute notice not received

Hunter warfield never send anything to my adress about a debt.but yet keep contacting me forXXXX dollars.
Complaint sub-issue: Reporting company used your report improperly

i have new evidence equifax is violating my rights. Now I am exercising my right under 15 USC 1681i ( a ) i am demanding and requesting the description of reinvestigation of the procedure.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # U S DEPT OF EDXXXX 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

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Issues regarding Innovis involve representatives that are uneducated, untrained, emotional, lazy and purposely ignore and violate fair credit reporting act standards is common place. I called to get information on my credit report. Not only to receive a copy, but to dispute info over the phone. 3 hour conversations, leading to an emotional supervisor named XXXX, described my situation as suspicious because I wanted him to identify specific information over the phone. Innovis will dispute this and claim that they never did this or decline the fact that they provide info over the phone. I received partial info over the phone. Meaning I requested specific accounts listed on my report, after I fully verified my phone number, address and social sec, and physical address. The rep stopped mid-way through and transferred me to emotional XXXX who declined to provide additional info. Innovis is declining my right to dispute information regardless of knowing some of the information listed on the report. Incompetent Innovis representatives need to remove specific pieces of information from my report and decline to do so, as the standard comprehension level is comparable to a child in grammar school.
Complaint sub-issue: Information belongs to someone else

I ran my credit and notice things I had no knowledge of. I never use my personal credit for anything. I called each company numerous times which they stated it will not be reported and its still being reported. Its been over five months. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  acct # XXXX XXXX XXXX XXXXXXXX XXXX, on XX/XX/2021. 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 instruction.
Complaint sub-issue: Information belongs to someone else

I have counted about 16 errors on my credit file. My attempts to get them corrected have been ignored by the credit bureaus. I reached out to XXXX, XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by phone and mail. Now I taking it a step further to point out that each company is fraudulently reporting information including accounts and incorrect/invalid account statuses.I asked them all to provide me with any type of sign letter or authorization given by me that allows them to do ANYTHING on my credit file. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have not provided so such thing.
Complaint sub-issue: Other problem getting your report or credit score

On XXXX XXXX I created a acct with Equifax online for XXXX monthly to get my credit score. The purpose was to be able to see all 3 bureaus info and XXXX score ongoing. I was informed by the credit repair company that is working on my credit that they could not see all 3 bureau info or XXXX  scores. After Equifax have taken XXXX every month from XX/XX/XXXX to XX/XX/XXXX I called in on XX/XX/XXXX explaining to a customer service representative about what services I thought I was paying for I explained in detail what i needed. I realized that the representative didnt sound sure that he understood what I wanted so I requested to speak with a supervisor. A supervisor was then put on the phone and I spent time explaining in detail about what service I needed. Supervisor explained to me in detail what needed to be done. I was told that it would cost me XXXX one time to get what I needed from Equifax. Thats all 3 bureau reports for 30 days and because Im a customer already thats y I would only cost that this month. However every month after itll be XXXX when I end my monthly XXXX subscription. The supervisor took my payment of XXXX and told me that the XXXX was processed for the month already as well. Supervisor asked did I want him to delete the subscription then or did I wan na call back. I had already logged out and back in and saw everything I needed upgraded. I told Supervisor I saw my acct updated and everything looked great and he could delete old subscription if he wanted while I had him online. On XX/XX/XXXX around XXXX I logged n my account and nothing was there. I called n for a customer service rep. and a supervisor to say they couldnt help me after they see more than enough money was paid to them with no services provided at this time. They r thieves and I want my XXXX and my XXXX as of XX/XX/XXXX with no services at all from. Equifax. Bad service
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted numerous complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

on XX/XX/XXXX XXXX XXXX XXXX  SHOWED UP WITH A XXXX Balance. Incorectly which shot my credit down XXXX points. to XXXX ... called chase and filed a dispute... they now show me to the normal credit card balance of XXXX. 

Called corporate offices since this has affected my businness and XXXX loan. 

XXXX received the correct balance as of today XX/XX/XXXX. my score went up XXXX points yet it still shows on my report that I once had that balance. my score should of been back up to XXXX. 

They should not be able to do those things even by accident, how does my credit shot by XXXX points and only once corrected up XXXX points. Help! XXXX XXXX XXXX XXXX
Complaint sub-issue: Need information about my balance/terms

I have been trying for years to determine how my loans have the interest rate they purport to have because I do not believe it is correct. When I spoke with my loan servicer, I was advised to contact the department of education. When I contacted the department of education, they told me to contact my loan servicer. I was finally able to obtain a marginal print-out of my student loans but it STILL does not contain the ( 1 ) actual notes indicating the interest rate, and ( 2 ) it also failed to show some of the interest rates on my loans claiming that the interest rate is variable. Last year, I found a major discrepancy in how my interest was being capitalized which led to an approximate {$14000.00} modification to my outstanding loans. I want to make sure that the proper interest rate is being applied to my loans. 
Moreover, I want to confirm that the principal on my loans are correct as well. 
All avenues that I have tried have failed to provide me with : -proof of the interest rate ( as it was upon execution with my loan documents ) ; -proof of principal ( as it was upon execution with my loan documents ). 

I can not understand why no one can provide me with a copy of my loan documents, and also provide me with proof of my interest rates. 

I will pay the debt I owe, but I believe I am being overcharged. 

Thank you for your attention to this matter.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I installed  a SPAM blocker due to this company. They get past the blocked number and leave a message every time. Short message, This is from a debt collector please call this number. I call the number they say I do not have an account. They say my number is not in their system and they will notify the correct department to stop the calls. I have called them at least 10 times to stop the calls. I have a recording of one of the ca lls.   They identify themselves as AFNI collections, caller ID " Debt Collector ''. I think they are selling my number because after i called them i received more calls from others.   Do not answer or return their call!
Complaint sub-issue: Account status incorrect

I received a credit score disclosure from XXXX XXXX The information on the disclosure that they claim to have received from the three credit reporting agencies is incorrect. Equifax XXXX XXXX XXXX   show erroneous information. I have included in this correspondence a copy of credit report from XXXX   that I obtain today.As you can see by the correspondence that I have included I have paid my bills on time every month without failure.And the credit score that this company shows is quite different than what XXXX  has on their report. XXXX XXXX and Equifax show no late or delinquent accounts or collectionAccounts which those companies shows on the reported information that was received from XXXX. The information is incorrect on all three and I want the false information removed and corrected please see the supporting documentation uploaded