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

It has come to my attention that when files are supplied together with an FTC fraud report, the Credut reporting agencies do not block them. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my paperwork to my attorney to begin a legal case if the Credit Bureaus decide not to block the items listed below that are reported incorrectly as a result of identity theft. Please obey the law as it is not my goal to file any legal claims. The following articles should be taken away since they were opened without my knowledge or consent and are fraudulent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I first contacted MyGreatLakes about requesting a refund on all payments made during the covid-19 forbearance on XX/XX/2022. I worked with the customer service representative to formally request a refund. I was told that refunds would be processed in no more than 30 days. After that timeframe passed, I contacted my loan servicer on XX/XX/XXXX to get a status update. I was informed that the new timeline was XXXX days from the date I called as a follow up when my refund should have been completely processed. It is now XXXX XXXX, 54 days from when I was originally told 30 days. I called today, and they still have no update for me. I'm very frustrated and federal loan servicers need to be held to a standard.
Complaint sub-issue: Debt is not yours

Pro-collect made an inquiry against me damaging my credit on a debt that is not legitimate and in dispute ( an extra XXXX} ). I paid my balance in full on the exit of my apartment complex when I turned in the keys and was told I had zero balance which was also shown in the resident portal ( Elements of XXXX XXXX in Florida, which is owned by XXXX properties, but they sent me a bill going through the wrong date ( a week later than the correct date. My last day was confirmed as XX/XX/XXXX which I have a signed sheet saying and provided it to procollect. The bill they are looking at does not provide an explanation, but they won't give it the time of day to look into it. I asked for them to provide some documentation to show that I owe the debt but refused to reason with me. The entire alleged date all rests on the date they have not matching the date I have on my signed sheet. The Property Manager and Assistant property manager who I was working with no longer work there. The amount generated on my exit was paid by money order and shown in my bank statement screen shoot attached.
Complaint sub-issue: Received bad information about your loan

I recently transferred my loans to XXXX XXXX, also known as the Pennsylvania Higher Education Assistance Agency, because I wished to have loan forgiveness through the XXXX XXXX XXXX XXXX program. When I completed the program application, I was told by The US Department of Education that I would receive notice directly from XXXX XXXX in regards to when I should make my first payment to the new servicer. In anticipation of the notice and upon receipt of an email I received from the lender on XXXX/XXXX/XXXX stating my loans were " in the process of transferring, '' I created an online account on XXXX/XXXX/XXXX through XXXX  in order to receive notices and approve paperless billing ( confirmation received ).  However, I noticed upon signing up and signing into my account that my loans were already " Delinquent. '' I remitted a payment immediately in the amount shown as " past due '' on the homepage in the amount of {$230.00}. I then received a letter by mail on XXXX/XXXX/XXXX, postmarked XXXX/XXXX/XXXX, from XXXX stating that I was still delinquent on my loans. It was the first correspondence I received from the loan servicer and was not consistent with the payments made online. On XXXX/XXXX/XXXX, I signed into XXXX account online again and noticed the website now said I was " Delinquent '' again, whereas, my payment was " 16 days late ''. Therefore, On XXXX I called XXXX XXXX by phone and spoke with Customer Service Agent # XXXX at XXXX who reiterated that my payment was 16 days late ( pre-dating my notice from the lender by email stating the loans were " transferring '' ) and now my payment was due as of XXXX XXXX, XXXX. XXXX XXXX is not proving accurate loan information. Their lack of communication is causing negative crediting information, thus affecting the credit score and financial output of their customers like me. They should have their business license revoked for predatory financial practices. I will scan my postmarked envelopes and email communications from this lender. Please help to rectify the issues with this company.
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

I have 5 unauthorized inquries that need to be removed, I never filed for XXXX  XXXX and the courts say they don't report this to credit bureaus and it should be removed and I have an account that was paid off satisfactorily and never late. I also want to validate 2 accounts I do not recognize, all of these items are detailed in the letter enclosed
Complaint sub-issue: Public record information inaccurate

I recently requested a investigation on XX/XX/XXXX and Lexis Nexis received on XX/XX/XXXX via certified mail.I am filing this complaint because LexisNexis has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that LexisNexis continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with LexisNexis and the results was the information was accurate. I directly called the Lexis Nexis telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from Lexis Nexis showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via LexisNexis. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the LexisNexis agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and LexisNexis has yet to verify. Thank you
Complaint sub-issue: Delay in processing application

I received a voicemail from XXXX ( XXXX ) XXXX ( XXXX, MD ) from XXXX from Best Buy Credit card services in reference to a Best Buy credit application submitted in my name. I was given a reference # : XXXX and a security code : XXXX which I would need to provide when I called back to XXXX ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX EST. I did try the number and the automation message requested me to say the reference # which I did several times - after which it sent me to an automated voicemail stating they were closed for the holiday. I tried to call the number and hit 0 to talk to a representative and the automation asked for my Social Security # -which I did not provide and then went to the same automated message that they were closed for the holiday.
Complaint sub-issue: Old information reappears or never goes away

On XXXX XXXX, XXXX I accessed my credit file with Equifax. At this time all of my current and recent accounts were missing. My credit file now consisted of old accounts that had dropped off due to age and old accounts that had been deleted. I have tried for several months to get this corrected with no success. This morning XXXX XXXX, XXXX all of the accounts re-appeared along with several other accounts that were not there before. As I write this I am on the phone with a XXXX XXXX XXXX from Equifax named XXXX and a XXXX named XXXX who just transferred me to another department trying to resolve this and get my true credit file to avail. This has truly been a nightmare, all I want is for my credit file to reflect the correct information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND HAVE NO SIGNATURES ON FILE FOR ME XXXX XXXX XXXX  XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX AND US BANK.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation.
Complaint sub-issue: Their investigation did not fix an error on your report

For several months now, I have tried to dispute fraudulent items on my report directly with the bureaus and they continue to report fraudulent information on my report. Law states they have 4 days to block fraudulent accounts. I sent everything they asked for per phone call. I have proof of me sending correspondence to them because I sent them certified mail and I know they received them. They did not fix the errors on my report. PLEASE HELP.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent to Equifax a letter outlining ALL accounts in violation of federal law. After waiting for a response from Equifax, and giving the company the lawfully allotted time to respond, I never heard back from Equifax. I then filed a dispute with the company through The CFPB portal on XX/XX/2022 again expressing my distaste for the situation they were taken me through pertaining to not deleting and blocking the fraudulent and erroneous accounts after being notified by not just me but by the FTC. I included in this my drivers license for proof of my address as I do not have bills at the moment to prove this otherwise so this had to suffice, FTC report and my social security card for proof of identification. After Equifax responding to the CFPB complaint made by me they assured me that they had removed the item from my credit report and blocked it from ever reporting again ( verbatim " A summary of the results are listed below : Collection : COLLECTION BUREAU OF FWB THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. " ). This can also be seen in the complaint for proof. When I checked my Equifax credit report the other day the negative item was still reporting! I called in to Equifax XXXX XXXX XXXX PM and informed the representative of my issue with the reporting on my credit profile and what I had been through in dealing with these fraudulent accounts. She informed me that the account had in fact been deleted but were added back due to some odd reason. I then told her that adding a fraudulent account back that had been deleted was illegal and I desired to speak to a higher tier employee she told me that none were available but would call me back. I have yet to receive that call. This is my final attempt to rectify this issue or I will sue for defamation of character as well as other stressful emotions and frustrations caused by your negligence and willfulness to continue to publish and report incorrect and fraudulent information in my credit file. I demand this be deleted once and for all and as I asked previously for you to block this account from ever returning to my profile.
Complaint sub-issue: Information belongs to someone else

Since XX/XX/2020 Equifax has been violating my consumer rights by incorrectly reporting someone elses address and accounts onto my account. I have sent numerous proofs of identification and address verification to this company. They have not only ignored me but kept me on the phone for hours telling me these addresses and accounts are mine. I investigated with their data furnisher and the creditors and they do NOT have information related to me or any account opened with them. This has all led to much strife in my family life and has prevented me from applying for unemployment benefits, being approved for business credit, and purchasing a vehicle. This company acts in an abusive manner to the consumer. This is not a frivolous complaint. This information needs to come off my report now. The following address and attached accounts NEVER belonged to me.I have submitted my proof of identification and address along with utility bills multiple times and they continue to report and ignore me. Remove the following addresses and accounts that are not mine stop violating my consumer rights! These companies get no consequences for there actions willfully violating Federal law protecting the consumer. I will be taking this to court as they have not responded to my demands.
Complaint sub-issue: Account status

on XXXX i settle an account with mariner finance the account was marked closed on XXXX. I received an email from XXXX XXXX XXXX Branch Manager stating that XXXX will report this account to the courts and the credit bureau as settle in full not account paid for less full balance i have attached the documents i received from XXXX and a copy of credit report.
Complaint sub-issue: Charged too much interest

I took advantage of a zero interest balance transfer offer made by my credit card, Citi Cards ( zero interest until XX/XX/2019 ). I clarified with a chat customer service representative that in order to not be paid interest I would have to pay the minimum payment due and the standard purchases in that statement period. Two months in a row, I was charged interest even when I made a payment that covered both the minimum payment due and the standard purchases on the account. The first month it happened, I contact the customer chat representative, they acknowledged that there was an error with how Citi calculated the interest and credited me the interest charge. I was also assured that this would not happen again. The next month when this happened, I contacted the chat customer service, and they could not explain to me why I was charged interest and I was told to call customer service. Each customer service person I spoke to refused to understand how I overpaid the minimum amount and finally I had to be transferred to a manager. XXXX, the manager, told me that he can not give me a refund because I already received a courtesy refund last month. I explained that the refunded interest was as a result of an error and demanded that he take my through the statement I was charged interest on in order to explain how I did not pay the minimum amount. He tried to show me how I overpaid but when the math clearly showed that I had over paid what the minimum amount was ( the min amount due plus standard purchases ) he put me on hold and then told I was correct that the system made an error. He also told me that this was the last time he could give me a courtesy refund on interest charges. I demanded to know how this was a courtesy because Citi had made errors both times in calculating interest. He stated that it was not an error because if I want to avoid paying interest while taking advantage of a balance transfer offer, I need to not make additional purchases. It is clear to me that this problem is prevalent to all customers who take advantage of citi balance transfer offers and that customers are bring maliciously charged interest.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2019 Tried to dispute an account with Equifax that is closed and too old to be on my credit report The closed account is with XXXX XXXX XXXX. 

The process to dispute an account with Equifax is quite complicated, for me. 

Type Auto Responsibility Individual Remarks Charged off account.

You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went on XXXX XXXX to seek for a personal loan and was matched with Upgrade. 

I was offered and loan and selected it to see my rate, I noticed a credit inquiry was pulled when it said it would not pull a credit report. 

Forceablily after pulling my credit I called Upgrade, I was encouraged to provide over documents to approve my loan since I had come this far. 

Even after providing the documents they denied me for reasons out of my control and was given a hard inquiry on my report when I was never supposed to get one.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax fails to report correctly and update information, There are two collection accounts from XXXX XXXX XXXX that I sent information to the credit bureau advising these are not my accounts. I also sent them information advising them that these medical accounts are a hippa violation. It has been over 30 days and the accounts have not been removed. I also sent information disputing the 30 day late for XX/XX/2021 for XXXX XXXX XXXX and this has not been corrected either and it has been over 30 days. They actually removed the Medical accounts and put them back on there. These XXXX XXXX XXXX accounts need to be deleted immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I unfortunately was a victim of identity theft. On XX/XX/XXXX a total of 6 unauthorized requests for credit was made in my name to a number of different online lenders. Gladly no fraudulent accounts were ultimately opened from this attempt. I have successfully removed all credit inquiries from my credit report except for the 2 companies outlined below. Both companies will not respond when contacting their fraud group and requesting status of the inquiry removal. I have supplied all the information they indicated as required to resolve this issue. I originally reported these concerns to the companies below in XXXX of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Complaint sub-issue: Account status incorrect

Company is wrongfully reporting that I was late in paying three of my son 's student loan payments. I had no notice that payment was due for my son 's account nor did I know that payment had not been made. I should not be reported as having been late in making payments I did not know were due. When the credit alert service I subscribe to notified of company 's erroneous report regarding my credit I immediately contacted my son and made sure he rectified his accounts. In addition, the report is misleading as it refers to three separate accounts and yet lists just one account number for each separate erroneous report. This has caused substantial harm as the summary is that I have " too many '' installment accounts with a delinquent or derogatory payment status. Further it is misleading as it does not reflect the fact that I was a co-signer who was not informed a payment was due from the debtor. These wrongful actions have caused me substantial damages and prohibit me from refinancing my home. My credit would be perfect but for these wrongful reports.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like im being taken for a ride and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.
Complaint sub-issue: Used obscene, profane, or other abusive language

I owe a debt from an apartment community after moving from XXXX  to XXXX  and having to cut my lease early. I left XXXX   in XX/XX/2016 and immediately began getting numerous phones calls from this collection agency called ProCollect. I have called asking for a notification of my debt so I can have an account number and pay by making payments, however, this company employees people who are extremely rude, use offensive language, have threatened me if I don't pay the full amount upfront, and don't give me any information yet expect me to give them my credit card and social security number over the phone. I suspect this company practices as a scam or at least dishonestly with their customers. I don't feel safe giving over my financial information to a company who doesn't honor their customers rights. I don't appreciate being yelled at as well as hung up on anytime I try to work something out with these people.