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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX Balance {$730.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Having problems with customer service

The company in question has contacted me several times to repay a debt. I am currently finishing XXXX studies through an extension from an illness that I sustained when I was enrolled in the XX/XX/2015. I am not presently enrolled, though I have been granted academic permission to continue my coursework as would any student who is actively enrolled. 

In the past, I was granted a deferment/forbearance status by this company when not actively enrolled in classes. This time, they have decided to pursue aggressively a debt repayment on the basis that I was reported by the school as being no longer enrolled. The school and the lender both are having difficulties with communications between themselves regarding the issue -- something that I have personally intercepted with the intention of resolving this issue. 

I have disregarded the lenders contacts on the basis of my history with Great Lakes. I applied for a deferment and/or forbearance in the past several times with Great Lakes and was granted them without delay both over the phone and on the Internet. 

This time around, I applied again and was granted a deferment/forbearance on every loan except for this one, which was locked/frozen, meaning I could not request the same deferment/forbearance that l had requested successfully and without problems in the past. The lender has after several attempts finally emailed my personal email account without a description in the body of my email address -- only included is the sender 's email and contact information. 

I find these practices to be extremely fishy, unwarranted and demonstrative of the use of loopholes for the collection of debt without regard for academic circumstances. I base the reasoning for this complaint on my past experience with these particular companies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This collection agency XXXX XXXX XXXX has misrepresented this matter on several levels from statement of being attorney 's, filing a claim fraudulently, garnishing wages on a settled/paid claim. I was first notified of this matter through my employer upon a garnishment notice. Upon receipt I contacted this company who stated they were attorney 's representing their client XXXX XXXX XXXX XXXX, who has acquired a debt from LOAN ME. They stated they a case was filed in court and that a judge had granted award. When I spoke with them in regards to the erroneous nature of the claim and that the court filing had been perjured as I had never been served any documentation by LOANME, XXXX XXXX XXXX nor XXXX XXXX XXXX as it pertains to this case or it's validity. When the facts were presented we were offered a settlement, and for the sake of time we countered the offer and agreed upon a settlement as to not increase case load in the Superior court system. The agreed upon amount was paid on XX/XX/XXXX in the amount of {$7400.00}. At that time I requested that ALL garnishments be terminated and refunded, of which I was told that they would provide that information to employer, court and Sherriff civil department. On XX/XX/XXXX I notified the XXXX XXXX XXXX that garnishments were not terminated as agreed upon and this was a breach of agreement. As I have upheld my portion of the agreement. They have misrepresented by claiming to be attorney 's and they are indeed a collection agency, when I requested to speak with the attorney assigned to the case it has never been one available to speak with me or contact me. When I addressed the perjury in this case there was no correspondence. The entire case is based on false claims and from a company ( LOANME ) that has thrived on predatory lending practices of which I plan on pursuing as this case had been paid sometime ago with LOANME.
Complaint sub-issue: Their investigation did not fix an error on your report

To date, Equifax is still furnishing unauthorized inquires on my credit report. I verified in writing and contacted alleged creditors about the unauthorized inquires on my profile. By law Equifax is to furnish 100 % accurate information and have my consent to furnish. I affirm Equifax does not have my consent to furnish any inquiries on my consumer credit report ; moreover I do not consent to my right to privacy and rights under the state and federal law being violated by Equifax. In closing Equifax recent investigation was not conducted properly, Equifax pursuit to the FDCRA and state laws are required to disclose to me the consumer who they investigated ( family and friends ) and the names of all individuals and persons that allegedly claim said inquires are factual. Without proper investigation Equifax is REQUIRED to remove all said inquires.
Complaint sub-issue: Investigation took more than 30 days

I disputed my information with XXXX, Equifax, and XXXX on XX/XX/2020 and the problem hasnt been corrected. Its been over 30 days
Complaint sub-issue: Old information reappears or never goes away

XXXX report says : XXXX on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them.

XXXX  report says : Discover bank XX/XX/XXXX  gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX  XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXXXX/XX/XXXXthey gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.
Complaint sub-issue: Trouble with how payments are being handled

I have multiple loans with AES and have a near perfect payment history with them. But in XX/XX/2019, I was out of the country and unknowingly missed a payment for which they reported me 30 days delinquent. The AESobile and online portal for paying loans is very tough to use and confusing to pay what is owed and also see what is timely versus what is late. Even XXXX reps will say it's confusing. This issue caused me to not apply payment properly to the right loan and pay the right amount. Hence I was short and they marked the loan late as I didn't pay until I returned in end of XXXX. I've tried to reach multiple people and get this remediated but noone is working with me. This is a huge issue and one payment is causing grief and credit score issues. Their platform for payment is completely misleading, and I'm suffering as a result of the confusion it caused. Furthermore I inquired immediately about if I can get a backdated forbearance around when this happened and they said it was not available. Multiple reasons why they should really remove my XXXX late mark
Complaint sub-issue: Account status incorrect

The mortgage payment for account # XXXX with XXXX XXXX   XXXX was paid but my credit report shows past due and last activity on XX/XX/XXXX. The mortgage was paid off on XX/XX/XXXX. The following is incorrect and on my Equifax credit report : Company/Account Name : XXXX XXXX   XXXX Company Address/Phone : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : XXXX Rate/Status : Not more than two payments past due High Credit : {$190000.00} Terms : XXXX Balance : {$160000.00} Past Due : {$1300.00} Most Recent Date Reported : XX/XX/XXXX Comments on Account : Real estate mortgage
Complaint sub-issue: Information belongs to someone else

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Complaint sub-issue: Account status incorrect

This complaint is in reference to Conn Appliance , Inc. On XX/XX/XXXX I mailed a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX which is the address listed on my credit report. This letter was returned to me unopened, as was the previous two that I sent over a year and a half time span. This time I held on to the returned letter. A copy of this letter is attached. I have also uploaded the contents of the letter with the information in which I was requesting from Conn Appliance , Inc. Here 's a little back story. On XX/XX/XXXX I was served by XXXX XXXX XXXX, XXXX. which is a debt collecting company filed with the plaintiff being Conn Appliance , Inc. I retained an attorney for my case number XXXX. Conn Appliance , Inc retained XXXX XXXX. This debt claim was canceled on XX/XX/XXXX. The balance due as of XX/XX/XXXX was {$0.00}. I have been trying to contact Conn Appliance , Inc so that I could get this removed from my credit report with all the credit reporting agencies. On XX/XX/XXXX XXXX XXXX reported to XXXX that account as on-time ( copies attached ). On XX/XX/XXXX Conn Appliance reported to XXXX that account not paid since XXXX ( copies attached ). I did also noticed that the address listed on my credit report is the exact address that I have attempted to mail three previous letters to, and they all were returned unopened. This matter has caused my credit to plummet tremendously. This matter is now causing me a great deal of stress and uncertainty. I have to move in less than 30 days, because the home owner is moving back into the home due to returning to area on XXXX XXXX. My current credit score will not qualify me for a rental or to purchase a home which is going to leave me and my family homeless. I really need this issue addressed and rectified as soon as possible. Thank you in advance for your help and know that it is greatly appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB SENT A COMPLAINT TO EQUIFAX ABOUT MY CREDIT REPORT AND ASKED THEM TO REMOVE AN ACCOUNT ON MY REPORT. 
EQUIFAX DID AN INVESTIGATION AND REMOVED THE ACCOUNT BECAUSE IT WAS LINKED TO A FRAUDULENT ADDRESS LISTED ON MY REPORT. 
EQUIFAX REMOVED THE ACCOUNT AND ADDED IT BACK A COUPLE OF WEEKS LATER WHICH IS ILLEGAL TO REMOVE AN ACCOUNT THEN ADD IT BACKI FEEL THEY DID THIS CAUSE I HHAVE BEEN REQUESTING INVESTIGATIONS INTO THESE FRAUD ACCOUNTS. 
PLEASE REMOVE THE FRAUD ACCOUNTS ASAP OR I WILL BE FORCED TO FILE A LAWSUITE AGAINST EQUIFAX. I CAN PROVE THAT THEY REMOVED THE ACCOUNT THEN RENINSERTED IT BECAUSE OF SOME TYPE OF PERSONAL PROBLEM WITH MY DISPUTES OR IT COULD BE SOME KIND OF RACISM GOING ON AGAINST ME. I HAVE ATTACHED MY STATE ID, SS CARD, AND A SNAPSHOT OF THE ACCOUNT EQUIFAX ADDED BACK TO MY CREDIT REPORT AFTER THEY REMOVED IT.
Complaint sub-issue: Didn't receive services that were advertised

In XXXX my social security number was used to open a fraudulent account. I immediately notified the company and was able to successfully close the account. I then contacted Equifax to dispute the new account and notify them it was a fraudulent account. The Equifax representative on the phone refused to process the dispute unless I signed up for the Equifax ID Patrol. 

I ended up signing up for their product and was able to temporarily freeze my credit, however I have repeated disputed the fraudulent account over the past 2 years and Equifax refuses to remove the fraudulent account from my credit report. This fraudulent account damaged my credit score for months. 

Furthermore, after spending hundreds of dollars on Equifax credit monitoring services, Equifax failed to notify me that my information had been leaked in the most recent Equifax hack ( announced by the company on XXXX/XXXX/XXXX ).
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I reached out to Equifax regarding an inaccurate reporting of a public record on my file. I disputed this public record with Equifax on XX/XX/XXXX which was completed on XX/XX/XXXX. The results of this dispute were that the public record was deleted from my credit file. However, when I spoke to Equifax they told me it was reported back on. After speaking to a supervisor named XXXX, employee number XXXX, he informed me that he escalated the issue as a complaint. After asking him who/which department actually deletes these items he said there isn't and the computer does it. He then hung up on me after telling me he couldn't answer my questions. I called back and got " XXXX '' employee number XXXX and she then explained the same things to me and also told me they don't have information on any managers that I can speak to. None of them could help me and kept providing me with the same answers which seemed very predetermined responses. The way I was treated after challenging information that was inaccurately reported on my file was unacceptable.
Complaint sub-issue: Other problem getting your report or credit score

ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS ( XXXX XXXX ACC # XXXX, XXXX ACC # XXXX AND XXXX XXXX ACC # XXXX ) TO CREDIT FILE AND ALL STUDENT LOAN REPORTING INCORRECT ( 11X ) DATA OF THE SAME PAYMENT HISTORY NOT UPDATED " OK '' STATUS/ " R-1 '' AND NEVER LATE
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I was overcharged on my Visa card by the XXXX XXXX for a TV they claim I broke. The TV was not functioning well as we were trying to view it hence it was already broken but the motel manager tried to blame it on me and charged me for a total of {$300.00}. I then disputed this charge with the Best Buy Visa card sponsored by Citibank and after waiting two months for a resolution they told me I was responsible for these charges. the only supporting documentation they sent me was a copy of my registration invoice for XXXX XXXX  on XX/XX/XXXX and a copy of the detailed Folio from XXXX XXXX  of the broken TV charges. This seems wholly inadequate documentation on the part of my credit card company, it appears no real investigation of the charges were pursued. I never was informed of these charges by the motel and although they claimed that they sent me documentation of the repairs, I never received such by certified mail or any sort of mail.

My credit card company was made aware of this and apparently made no attempt to adequately dispute these charges on my behalf.
Complaint sub-issue: Company closed your account

I gave notice and notice is attached. I love you all! Unjust enrichment is not fair nor equitable. 
Subrogation is a form of equity and subrogation is right to subrogation not an opportunity. Equity is recognize by the u.s. constitution article iii subsection ii paragraph i. I certify my right to subrogation and substitution. Being that I am the subrogee and implied surety that was not primarily liable for the debt but tendered all consideration but not a volunteer and performed under legal compulsion to discharge a debt by subrogee. I the subrogee is now entitled to benefit from all collaterals or liens which the creditor held as security ; and since I am secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. Internal Revenue Service will be notified if this matter is not settled. This is unjust enrichment, and usurpation. A writ of Quo warranto lies against you to prevent malversation and peculation. 

So, whenever a surety, or other person secondarily liable, discharges a debt, he is entitled to the benefit of all collaterals or liens which the creditor held as security ; and the person secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. 

Equity regards the payment by the surety, or other person secondarily liable, as equivalent to a purchase of the creditor 's rights, equities and collaterals as against the debtor primarily liable ; ( XXXX ) pays a debt, or discharges an encumbrance or lien, being under legal compulsion so to do, he will in Equity be substituted to all of the creditor 's rights against the person primarily liable. 

Where a surety discharges the debt or obligation of his principal Where any person, for his own protection, or the protection of some interest he represents, pays a debt for which another is primarily liable. 

Definitions from XXXX business guides dictionary of banking terms. 

Collateral. Asset pledged as security to ensure payment or performance of an obligation. In bank lending, it is generally something of value owned by the borrower. If the borrower defaults, the asset pledged may be taken and sold by the lender to fulfill completion of the original contract. Paper negotiable instruments and title documents. 

Security. Personal asset or property that can be pledged as collateral ; a good faith GUARANTY by a co-maker to pay an obligation if the borrower defaults. ( account was settled ) Equity. Value of stockholders ownership interest in a corporation after all claims have been paid, and thus a claim in its assets in proportion to the number, and class, of shares owned. 

Substitution. Replacement of one creditor by another, also known as subrogation. 

Subrogation. Substitution of one creditor for another in settlement of a claim or obligation, or transfer of ownership, as when a mortgage is sold in the secondary market. 

I gave notice and notice is attached. I love you all! 
PNC Bank XX/XX/2022 XXXXXXXX XXXX hard copy return receipt tracking XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX breach have ruined me please have them remove the inaccurate accounts
Complaint sub-issue: Problem with fees

I was told by a XXXX XXXX representative, I was enrolled in a payment protection plan, I dis not requested in which I had been charged {$12.00} every month since I had my account. 
She ga bff e me a number to contact the program under the XXXX Bank at XXXX, I requested not to be enrolled in such plan, to receive my money back. The representative told me she did and that I will receive a letter and decision of reinsbursement in 30 days after my complaint, which was on XX/XX/2018 I had never receive such letter, I called back on XXXX XXXX, and the representative told me, because I did not received any response, the complaint will be submit again as a new one and now I have to be additional 30 days.

I asked her if they will keep doing this to discourage me, and her answer was, : '' You need to wait ''.

The number of complaint if there's really one, is XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am highly DISTURBED about the credit bureaus have not responding back to me in regarding my investigation. This is a matter that I take serious. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my 2nd time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a REAL person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Please do your job!!!! I have attached my ID and utility bill to show who i am!
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me, please remove under 15 USC 1681c-2.
Complaint sub-issue: Was not notified of investigation status or results

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX, 1995 ), you may be liable for your willful non-compliance.