Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hello I have reached out to you all about a car on my credit that is not mine. Equifax and XXXX said that this account is mine but that is not true. I saw on the billboard in my building where this attorney guy is saying he can help me with this but advised my to reach out one last time. Im trying to help my family and this has been holding me back. They need to show me where this is mine and I will take it to the next level because at the end of the day I know it is not mine. The car people name is XXXX XXXX XXXX. I have reached out to the FTC and my local police and Im doing this on my own behalf. Please remove that account off my credit.
Complaint sub-issue: Trouble with how payments are being handled

My income-based repayment plan was up for it 's annual renewal in XXXX and I submitted an application to continue the repayment plan to both of my federal student loan holders at the time, FedLoan Servicing and XXXX. Shortly thereafter, I received notice that the loans held by XXXX were being transferred to FedLoan Servicing to consolidate servicing of my loans. The loans showed up on FedLoan Servicing 's end in XXXX, I believe. To my knowledge, my request to continue income-based repayment was never processed by either company. I have contacted FedLoan Servicing multiple times regarding this matter. On XXXX XXXX, I received an email from a " XXXX '' at FedLoan Servicing, telling me that they were waiting to process my request until a {$5.00} payment was made on my account, although they had never communicated this to me officially. I made the {$5.00} payment online that same evening. I did not receive anything showing they had processed the repayment plan renewal, so I emailed them again on XXXX XXXX to check on the status of my request. On XXXX XXXX, they responded that I needed to allow 7-10 business days to process the request, and that 10 business days was XXXX XXXX. The request has still not been processed, or at least I have had no communication from the company stating that it has been and they appear to be billing me under standard repayment. My bill was due in the amount of {$280.00} for two of my loans on X/X/2017. I did not pay them and told them that I would be contacting you about the issue, and that I would not pay it until they processed my request. I have not heard back from them. I have two questions at this point. Can the CFPB require them to process my request for income-base repayment? And secondly, is there any way that I can have all of my federal student loans transferred over to my prior servicer, XXXX? They were much easier to deal with than FedLoan Servicing, and I never had any trouble with them. If possible, I want to change all of my loans over to them.
Complaint sub-issue: Problem using a debit or ATM card

I am disputing 4 different charges of $ XXXX/each ( {$2000.00} total ) using XXXX XXXX made on XX/XX/2019.  Never received merchandise. Seller is not responding to any forms of contact to return payment or send merchandise. I contacted the bank ( XXXX XXXX XXXX XXXX ) as soon as this happened and theyve stated theyre unstable to dispute the charges as of XX/XX/19. I have filed a police report with the local police on XX/XX/19, as well.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   XXXX  has sent me to collections for {$190.00}. The hit to my credit report was placed in  XXXX   2017  for {$190.00}. That collection account is also tied to an address that I have never lived at in a city that I have n't lived in for over 20 years. It is erroneous and needs to be removed from all credit reporting agencies.
Complaint sub-issue: Seized/Attempted to seize property

Lost my job, Veros credit seized the car, sold at an auction. For eight months they are charging me as if I still possed the car. Reporting each month to my credit report. I receives threathing calls from them daily. They also threatens to send letters to my employer.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Phantom Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was contacted XX/XX/2020 @ XXXX MST from XXXX I was told my debt was {$4800.00} and that I would owe {$6400.00} after a judgment was granted against me and my wages would be garnished and negative information would be entered against my credit report. 
I was told I could get a settlement amount or make payment arrangements before this went to court and accrued legal fees.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX NY ) XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, 2019, CREDCO add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, CREDCO add a hard inquiriy on my credit report per XXXX.
Complaint sub-issue: Didn't receive services that were advertised

EQUIFAX CREDIT MONITORING SERVICES, I HAVE BEEN A MEMBER FOR YEARS AND HAVE PAID FOR MONITORING AS ADVERTISED! I PAY AND THEY FAIL TO ACTIVATE MEMEBERSHIP, TIME AND TIME AGAIN
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX, AND EQUIFAX are doing identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- 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 EQUIFAX- 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 EQUIFAX- 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I NEED THEM DELETED.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I had an account with XXXX. My equipment was all picked up when I was n't home. I did n't get to sign anything or I did n't call them. They got all of their equipment and my bill was about {$300.00}. They charged me {$470.00} more than I supposed to pay, leaving it {$770.00} in collection. I got the issue resolved and I currently have my services active for a year straight right now. Now it says the same thing again and its ridiculous. I 'm getting cheated here.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXX {$660.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX {$43.00} XXXXXXXX  XXXX {$310.00} XXXX XXXX {$2400.00}
Complaint sub-issue: Problem with customer service

NetNel reported three late payments on my credit in regards to student loans. The loans originated in XXXX with a separate loan servicer ( XXXX XXXX XXXX XXXX XXXX ). The loans were transferred to NetNel at some point in XXXX. I never received information from NetNel notifying me of the transfer. I entered XXXX   school in XXXX and my loans went into automatic deferment. After requesting a summary or copy of contact from NetNel I was provided a single document. NetNel sent a letter XX/XX/XXXX with a repayment schedule. The letter was sent to XXXX XXXX XXXX, an address I am unfamiliar with and never used ( I can provide a list of both my and my family 's addresses since XXXX if it would be helpful ). I was previously under the assumption NetNel had tried to mail something to my parent 's address, the address on my Master Promissory Note and the address my previous loan services sent communications. NetNel explained to me over the phone that I had selected " paper delivery only '' so they did not try to contact me by any other method. I have not been provided, nor would I have ever requested, a document requesting " paper delivery only. '' NetNel never sent any letters stating that loan repayment was required at this time, given that these were federal Stafford loans and the CARES Act forbearance. When I explained that the address that they sent communication to was not accurate, at this time or ever, I was told it was my fault for not updating studentaid.gov. My studentaid.gov address would have been correct from the time they sent their only communication, to now. When I go to studentaid.gov, the only way I could have ever discovered NelNet was now my loan service provider, it shows no next payment date. Within two days of receiving notice of the credit report, I paid off the three loans in full. For the following reasons I believe the late payments should be removed from by credit report : ( 1 ) I never received that loan payments had come due ( these were federal loans and without a formal understanding of FFELP loans and a reading of the CARES Act I would not have been aware that payments were due at this period ), ( 2 ) NetNel, would they have tried to contact me, had a incorrect address that was likely entered by mistake when they assumed the loan, ( 3 ) Before the credit reporting there was never any attempt to contact me that there was a missed payment, at a correct or incorrect address. For the entirety of the loan my contact information information was kept up-to-date by myself in every system in which I was aware of.
Complaint sub-issue: Information belongs to someone else

I found errors on my credit report and wrote letters to XXXX, Equifax, and XXXX on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks
Complaint sub-issue: Inadequate help over the phone

I am filing a complaint because equifax is giving me a hard time in putting a security freeze on my file. My file is being handled by there consumer affairs department and it is always a problem when i need to request anything from them. I need a security freeze added to my file immediately.
Complaint sub-issue: Problem lowering your monthly payments

I have been in contact with XXXX XXXX Customer Service for several month to reduce my payment and they are not willing to work with me. I have filled out 2 financial sheet and the rep discuss with me that I have a negative income and don't see why I couldn't get my payment lower. I keep going back and forth with them, telling me to call back to get the different answers/results. They are ignoring my complaint and concern. I have paid off the smaller loan of XXXX and still they will not work with me to lower my payment. I email XXXX XXXX to see if they will work with me, and was told that they would be able to lower my payment to what I requested but they also need to talk to my co-signer. Once my co-signer called he/she was told something different, that they will not lower the payments. I have been making small payments and they said that doesn't matter and now myself and the co-signer have a default/delinquent on our credit reports. I have been trying in good faith to pay something, but I'm not getting anywhere with them making XXXX hr job and other necessary living expenses and loans and the same goes for the co-signer.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the inquiry that still reporting on my account : DEPT OF ED Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

I sent a wire from my checking account with Citibank to XXXX XXXX. It did not reach my account so they had me recall the wire. They said they successfully recalled the wire but did not know how to get the money back to me because my checking account was closed. They researched it and said they would mail it. They never mailed it. I called back and they said they cant mail checks. 
They told me to go to a local branch. There is not a Citibank in my town so I called one in XXXX and talked to a manager named XXXX and he said he would take care of it on XX/XX/2021. 
Nothing was done and I received no callbacks from anyone and I called the bank again and he will not return my call for some reason. I messaged the bank and the clerk told me to call the wire department which had told me they cant handle it but I called them again and they just put me on hold three times and never answered. The wire was for {$1500.00}. Tracking number XXXX City reference number XXXX XXXX On my account that was closed the account number ends with XXXX and my debit card ends with XXXX
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To whom it XXXX concern, I am writing to update my personal information. There are some mispelled incorrect names and numbers that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names and numbers. The incorrect information is as followed. 



Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA, XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name :. XXXX XXXX XXXX XXXX XXXX XXXX Numbers : 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 Correct Numbers : ( XXXX )
Complaint sub-issue: Account status incorrect

XXXX and Equifax have the same accounts. Why is Equifax credit reporting different point than XXXX. It is not accurate. XXXX should be accurate with Equifax. It's the same accounts. Theses disparities must stop. I attempting to remedy this error by filing a complaint. Hopefully XXXX and Equifax will be on the same page.
Complaint sub-issue: Account status

RE : XXXX XXXX XXXX, ( XXXX ) ; Acct. No. XXXX ; XXXX is reporting that my account is a 'Bad Debt ' and is 'in Collections ' ; they also are reporting that I am making payments of {$5.00} per month for 5 months and that I have a balance of {$22.00}. This account has been paid. I have contacted XXXX numerous times about this account and what they are reporting. I paid XXXX {$22.00} on XXXX XXXX 2015. I received a confirmation letter on XXXX XXXX 2015 sent by XXXX, XXXX Customer Service. This is adverse to my credit, being reported to Equifax , and I would like it removed. 

This circumstance of XXXX reporting that I owe {$22.00} and making payments of {$5.00} a month for 5 months is irrational in that even if I were making payments of {$5.00} per month ... the balance would be paid in full in five months. But, XXXX continues to report the same information month after month ( more than five months ) that my account is ' a bad debt ' and in 'collections '. Even after speaking to XXXX, they still continue reporting the same incorrect information thus continuing to damage my credit. As noted in the attached letter, ( XXXX 's letter of payment and apologize ) for their improper attitude ... XXXX still continues their damaging reporting. The entire matter was about a disagreement of {$22.00} that I finally paid just to end the matter.
Complaint sub-issue: Trouble getting, activating, or registering a card

ALL i did was have a change of address and without warning or ANY type of communication from usbank, they decide to freeze my account, block my card and lock all access for me to get any money. They asked for address verification and i gave it to them, followed up, they confirmed they had everything they needed and that they would be sending out a new card for me to activate. they did but STILL locked out of my account and havent been able to access my money. Ive called and called and called and they just keep putting me through to hold for a supervisor or a certain department. MANY times ive been on hold for 3 hours just to get hung up or they tell me to send in the information AGAIN and I have at least 6-7 times already. i dont know what else to do. This has been going on now for almost 3 months
Complaint sub-issue: Account information incorrect

These accounts were recently or previously reported on my credit report and are not my accounts. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX Discover Bank- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX
Complaint sub-issue: Debt was paid

I went into a program called XXXX XXXX XXXX. I had another account with US Bank that I also put in this program as well but the account ending in XXXX is the only one that US bank is showing incorrectly on my credit report.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX  loan and credit card ... .is not being reported as agreed and ontime I have had a balance increase and rendered extra payments to lower my balance. The account needs to reported monthtly and on time as agreed upon within the contract.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 I reviewed my Equifax Credit report and noticed that their were inquiries that I did not authorize. 

I wrote to Equifax on XX/XX/2022 via certified letter and asked them to investigate the inquiries that I did not approve. Equifax received my dispute on XX/XX/2022 and sent me a copy of my credit report dated XX/XX/2022. 

In this report they only indicated that inquiries are a " Factual Record Of File Access and Will Remain on the Equifax XXXX XXXX for XXXX Years. '' In my initial letter to them I specifically let them know I did not authorize these inquiries pursuant 15 USC 1681B ( C ) ( 1 ) ( A ) ( B ) ( 1 ). 

I sent them a second letter dated XX/XX/2022, via registered mail, in which they received it on XX/XX/2022 ; requesting that they reinvestigate these inquiries. 

Furthermore, they do not have my correct name on file. I sent them a copy of the first page of the credit report showing my name is not correct. I am a female and not a male for them to have " XXXX '' after my name. My identification was enclosed with my correspondence. This is what makes me concern, that they are supporting inaccurate information to be reported on my file, when the actual document was enclosed. 

I have not received any response from them to this date.