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

My intention is to file dual complaints with Equifax and Attorney General of Texas Child Support Division and if necessary, seek damages for the management of this account. Last month I addressed the issue with the Attorney General and payments quickly cleared late payments. Less than 30 days insufficient payments and late payments are being reported. Ive now had credit cards denied and limits reduced due to this negligent reporting. 
I do not understand the miscommunication but now that I need these credit lines for my XXXX  and are having a direct impact on my lively hood and will no longer be tolerated. 
The Attorney General set precedent for how it reported and I was able to re-establish credit. This allowed me to improve my employment, XXXX, and overall financial wellbeing. Now its recent reporting the last 12-14 months threatens to destroy what I have worked so hard to restore. 
I understand and respect the purpose and need of the Attorney General Child Support Division. I have to believe that the intention of this office is not to damage people who have taken responsibility and are doing everything possible to right their wrongs by making timely payments.
Complaint sub-issue: Didn't receive notice of right to dispute

I reviewed my credit report and noticed that XXXX XXXX was reporting a negative trade line on my credit report ... Open collection without a balance nor who are they collecting for..account number # XXXX. On XX/XX/XXXX I mailed them a certified debt validation letter. On XX/XX/XXXX I sent them via certified mail a failure to validate letter. They received the first letter on XX/XX/XXXX... as of right now they have not responded to both of my letters. I also disputed this account with the XXXX XXXX twice and they CLAIM that the account was verified and it will remain on my credit report. I do not understand how is that so because XXXX XXXX has not responded to my claim. On XX/XX/XXXX I contacted XXXX XXXX   and I spoke with XXXX and she advised me that they received my debt validation request on XX/XX/18 and they have submitted the dispute to the original creditor. As of today I have not received any correspondence from XXXX XXXX nor the original creditor. XXXX XXXX has violated the Fair Debt Collection Practices Act and Defamation of Character. XXXX XXXX claim is frivolous as they are unable to verify this debt within time frame.
Complaint sub-issue: Debt was paid

I have paid XXXX XXXX off in full Its on my credit ewporrs saying I owe I have medical debts that I know nothing about they haven't swnr mw anything or validatwd these debts or showed they have authority to have these debts
Complaint sub-issue: Company closed your account

Made an account with Citibank a week ago. Deposited 4 checks from XXXX for dividend payment which were confirmed to be legitimate by XXXX  themselves. Citibank will not even attempt to verify and simply closed my account and say my funds with be held for 30-60 days.
Complaint sub-issue: Information belongs to someone else

Was contacted by XXXX with letter dated XX/XX/2022 on potential ID Theft by someone opening an credit card account using my identification. I confirmed that I had not opened the XXXX account in question and confirmed that the Texas address used in related hard inquiries was fraudulent. In letter dated XX/XX/2022, XXXX reported to me that the account was found to be fraudulent and had been closed and they said that they would send updated information to the credit bureaus to update their information ( e.g. delete fraudulent Texas address ). 

On XX/XX/2022, I began to contact credit bureaus to verify that the fraudulent Texas address had been removed from my credit information. After verifying my identity, XXXX said that they deleted the Texas address right then. Equifax, however, said they could not change the information, even after verifying my identity.
Complaint sub-issue: Can't close your account

I have been working to have my deceased stepfather 's IRA accounts transferred to my mother 's IRA account in the same bank, Ally Bank, since XXXX of 2021, so that I could consolidate her funds. I am my stepfather 's executor and mother 's POA, and I am taking care of my mother who has XXXX. I have spent countless hours talking to at least 15 different customer service reps, including their top level ( executive customer relations ), sent an email to the CEO, and been assured on many occasions that the money would be transferred within the next 7-10, 3-5, 1-2, or 0-2 business days. Each time, that period passes without the money being transferred, and I call back, at which point they tell me one of the following : 1. I need an additional form that the previous customer reps didn't mention 2. The forms that I filled out with them on the phone walking me through the information needed was filled out incorrectly and needed to be resubmitted 3. The forms that I filled out correctly were outdated and I needed to fill out the new forms ( which, by the way, were 100 % identical to the previous forms ) 4. The transfer to the institution setting up the annuity for my mother could not complete the transaction without my mother on the phone, even though all the POA documents had been received and approved Many of the customer representatives have been confused as to why this case has had so many twists and turns ( I now have 4 separate case numbers ). I have escalated this case multiple times to supervisors. Nobody seems able to figure out how to resolve this case and I am completely losing hope and my mind, which seems like it may be by design.
Complaint sub-issue: Account information incorrect

I was not enrolled in College of XXXX XXXX XXXX XXXX XXXX - only reporting to XXXX and XXXX ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XXXX / XXXX ( responded in XX/XX/XXXX XXXX, XXXX / XXXX ( responded in XX/XX/XXXX XXXX and XXXX of XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XXXX of XXXX. The amount is {$1300.00}. I have included the original XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all XXXX credit bureaus and they refuse to remove.
Complaint sub-issue: Problem with fees

Received email from XXXX charging me for {$410.00} for best buy XXXX XXXX. XXXX XXXX, phone number XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX was {$43.00} in 2021,
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account XXXX : XXXX ; XXXX XXXXXXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
Equifax had profits of over {$130.00} million dollars last  year. The lack of security and the time-frame that they used to alert me is unacceptable. They are offering me a year of credit monitoring, however, I have to go through their hoops. When my data is breached like this, they should come to me with a solution, not the other way around. This organization should have no business monitoring my credit.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX Balance Owed : {$1300.00}
Complaint sub-issue: Account status incorrect

The following accounts are showing incorrectly across all credit reporting agencies and is violating my rights to fair credit reporting. 

The information has been showing incorrectly for the past 3+ months since my XXXX complaint/investigation. 

I placed in my XXXX complaint in XXXX XXXX XXXX my XXXX complaint in XXXX XXXX XXXX  and are in XXXX XXXX XXXX  and I am facing the same issues. 

There are several areas of issues including amounts reported, account statuses, balances, open dates, closed dates and etc.
Complaint sub-issue: Debt was paid

This debt was paid when wages were garnished beach in 2019. I received a letter from the court stating it was paid in full. They have now come back twice trying to garnish again over the same debt. 
They are saying {$1500.00} are owed that was all paid already. I called many times and I have been put on hold. This is ruining my credit and my health. I need this to be settled.
Complaint sub-issue: No notice of investigation status/result

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. you should have this info at your XXXX GA XXXX XXXX closed account XXXX and closed XXXX account XXXX all credit inquires..
Complaint sub-issue: Information belongs to someone else

I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX inquires regarding all personal information.
Complaint sub-issue: Information belongs to someone else

This is my 4TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Complaint sub-issue: Account status incorrect

CFPB + Equifax, On my XX/XX/2022 I notice you still have not added a credit card account that I have had since XX/XX/2022 - with XXXX XXXX XXXX XXXX  I want this account updated so it accurately shows on my Equifax report - this was opened 55 DAYS ago. 

Enclosed with this complaint is : - my drivers license - my social security card - my mailing address - my written complaint - my XX/XX/2022 credit report from XXXX XXXX XXXX - my last 2 credit card statements with XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

On XXXX/XXXX/21, I submitted a complete application for the limited waiver Public Service Loan Forgiveness program. By my count, I have 120 qualifying payments under the limited waiver program. On XX/XX/21, I received a letter stating that my loans will be transferred to a different servicer on XX/XX/21. My employment has not been certified. The letter made no assurance that my application for PSLF would be unaffected by this transfer, or that the application would be communicated to the new servicer. 

Given that Fedloan servicing is the SOLE servicer of the PSLF program, this transfer is gravely concerning. It appears likely to either re-set the processing of my application with a servicer ill-prepared to certify my employment or process it, or to significantly delay the timely processing of my PSLF application. The letter made no assurance that the new servicer would even be capable of processing my PSLF application. 

Given that Fedloan servicing has extended its contract to XXXX XXXX, there is no longer a pressing need to transfer my loan and doing so would harm the forgiveness I am entitled to under the program. I have contacted the Department of Education with a complaint to this effect and will continue to follow up with them also. I have emailed Fedloan Services customer service, but am unlikely to get a timely response due to the Holiday. I had to retype the letter several times, as I was logged out of their system without notice, only to find my draft deleted when I logged back in. There were no service representatives available due to the Holiday, so email was the only option. It seems these notices were timed just as XXXX started, so that customers would not notice the transfer letter, and have only limited time to complain before the transfers.
Complaint sub-issue: Trouble with how payments are being handled

I have been making payments towards PSLF since XX/XX/XXXX. I have confirmed that I meet all of the mandatory specifications to be enrolled. I verified my employment and was told since XX/XX/XXXX-XX/XX/XXXX that I had only made 26 qualifying payments.. This was a major surprise as I had been making payments every month on time with the exception of 2 times since XX/XX/XXXX. The problem lies in the transparency of Myfedloan in stating the " minimum balance '' correctly. For example, on the screen in black and white text, it would say my minimum due was " {$130.00}. '' I would then make an on time payment for " {$130.00} and I would receive an email saying " my payment was accepted and received. '' However, when I went to verify my employment with PSLF and have my payments credited toward my 120 qualifying payments, they claimed there have only been 26 qualifying payments since XX/XX/XXXX!! Without my knowledge and consent, they were applying the overage ( since I was rounding up payments ) to my principal, then the following month they would deduct that overage and say THAT was my minimum due ... Then I assumed, the minimum due was ALL I OWED to make a qualifying payment -- but it wasn't! Why am I being jeopardized for making an on time payment ABOVE the minimum? This was VERY misleading and NOT transparent. For instance, if I make a payment to XXXX, and pay the minimum due ( let 's say min is XXXX and I pay XXXX ) my payment is applied to my overall balance and the next month the minimum due STATES what I owe to make a qualifying minimum payment most likely still {$100.00} -- whatever I apply to the payment ( as long as it meet the MINIMUM required -- anything extra above and beyond the minimum still counts towards my payment!!! ) I am asking for my previous on time payments to be applied towards the 120 qualifying payments. I am also asking for there to be a change in myfedloan 's system -- where they are mandated to report the CORRECT minimum due according to " the persons 120 qualified payment amount '' regardless of what the person pays over and above that minimum.
Complaint sub-issue: Reporting company used your report improperly

I have sent 2 dispute letters over to Lexis Nexis to have them remove a bankruptcy from my report and they have not responded and have completely ignored my request to do so.
Complaint sub-issue: Threatened or suggested your credit would be damaged

this is a XXXX XXXX card account, XXXX  XXXX  is handling it for XXXX  XXXX  their tactics are aggressive, they email, and threaten that it is a strong possibility that a attorney will be involved if you do not respond to them asap. I have uploaded proof of their constant emails, I never gave them my email, as you can see the abundance of emails they send, with the threat of a strong possibility of a a attorney in the future
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/21 and XX/XX//21 I wrote into each bureau identifying inaccurate and misleading information appearing on my report. As stated previously after recent pulling my report I discovered items that I didnt recognize causing me to dig deeper. I discovered I was apart of the Equifax XXXX breach and now more than ever I feel my information XXXX have fallen into the wrong hands. It has been well over 60 days and I have not received a response. In doing my research I also discovered it is illegal for you not to respond within 45 days moreover it is illegal to report inaccurate/misleading information per FDCPA. Please remove these inaccurate items until you can verify these items. I hope this will be resolved sooner than later.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a credit inquiry on my report from credco XX/XX/2022 that I am not aware of.
Complaint sub-issue: Their investigation did not fix an error on your report

THE XXXX XXXX CREDIT CARD WAS REMOVED FROM MY ACCOUNT AS A CHARGE OFF, DUE TO IDENTITY THEFT. I WAS PLACE BACK ON MY CREDIT REPORT. I HAVE DISPUTED THIS IS NOT MY ACCOUNT AND THIS IS IDENTITY THEFT. THE COMPANY HAS SINCE REMOVED TWO OTHER CREDIT CARDS AS THEFT, BUT THE FIRST CARD TO BE OPENED THEY STATE IT MINE, WHICH IS ABSURD. I HAVE INCLUDED MY FTC REPORT, POLICE REPORT, MY STATEMENT AND A LETTER FROM XXXX XXXX WHICH STATES THAT THIS ACCOUNT WAS OPENED ON THE INTERNET. ANYONE COULD HAVE OPENED AN ACCOUNT IN MY NAME, WHICH IS EXCATLEY WHAT THEY DID. XXXX XXXX HAS NO SIGNATURE OR INFORMATION THAT WAS GIVEN TO THEM OTHER THAN AN INTERNET APPLICATION. I WOULD LIKE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.
Complaint sub-issue: Account status incorrect

I filed Bankruptcy and included my XXXX XXXX XXXX credit card. The debt was discharged but XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I have provided both companies with proof of my discharge and their debt and XXXX XXXX XXXX is listed as a discharged by the U.S bankruptcy court, but they refused to remove it and are constantly trying to collect a debt that has been discharged. that's illegal -- I have included proof that my bankruptcy was discharged and XXXX XXXX XXXX is listed in the paperwork I have included proof to show my balance was paid
Complaint sub-issue: Investigation took more than 30 days

Disputed a chap XXXX bankruptcy with all 3 credit reports. XXXX, XXXX and Equifax failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX  account number XXXX has violated my rights. 15 U.S.C 1681section 602 A, States I have the right privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Trouble with how payments are handled

My loans are being serviced by the Great Lakes, and I believe there are several UDAAP issues. 

First of all, the website claims that the payments will go towards interest first, and then towards the principal balance of the loan with the highest interest rate. I have the screenshots of that language that I have provided. However, this is not the case. My payments have been allocated towards all loans, including the ones with the lower interest rate, resulting in higher interest earned on my loans. The website has recently introduced a feature that allowed the customers to choose which loan they would like to allocate their payments to. However, even though I have chosen specifically the loan with the highest interest rate, my payments have still allocated towards all loans. 

The second issue I found was with the payoff amount. When looking at the payoff amount on the website, the amount I was quoted was {$12000.00} as of XX/XX/2016. However, including the interest earned through XX/XX/2016, my total payoff amount should only be {$12000.00}. The quote includes an additional 10 days of interest that I should not have to pay if I were to pay off the loan on that date. The amount is overstated in a deceptive manner. I have included the payoff quote print out for your review, as well as a print out of my accounts, interest rates, and balances for each of my loans. 

When I contacted the customer service regarding these issues, my disputes were not addressed properly, as I was simply given the same information that was provided on the website regarding the allocation of payments, that did not match what was actually happening with my account. 

Thank you for your attention to this matter.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This dealership keeps switching up their contracts every Time I get approved for a loan. I did business with them twice and the last time they kept my money and told me being back the vehicle 3 weeks later. That is yo-yo financing- spot delivery these companies mest my whole credit im losing points on the daily because of these people