Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

Equifax is the toughest of the 3 reporting agencies to deal with. They make it difficult to access your credit report, They ask vague questions on the identity verifier, they come up with excuses when you call in to get help. I try to login to check dispute status and it says unavailable. I tried to get early exclusion and got multiple run arounds all telling me different things. I have tried to correct information and have been unable to get accurate information posted and can only verify certain info through credit karma and not anywhere else. 

Equifax needs to be more consumer friendly.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Numbers : XXXX, XXXX, XXXX XXXX Account Number : XXXX, CXXXX XXXX  Account Number : XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: 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 items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX.. Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX XXXX .... Balance : {$410.00} ; XXXX XXXX XXXX .... Balance : {$450.00} ; XXXX XXXX XXXX .... Balance : {$1700.00} ; EQUIFAX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, 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 4 business days after the date of receipt.
Complaint sub-issue: Problem with personal statement of dispute

I paid my XXXX XXXX  bill to XXXX with the agreement that it would not be sent to collections or reported on my credit report as a collection/chargeoff.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have multiple inquiries that was not authorized.I did not ask these people to run my credit for the following companies .... 
XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize XXXX to pull my credit on XX/XX/XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/19 I filed Chapter XXXX Bankruptcy. On XX/XX/19 it was XXXX. Included in this bankruptcy was a small dollar loan from MoneyLion. Since the discharge they have continued to willfully post incorrect information on my credit report. I contacted them and received a call back from a supervisor who took all of my bankruptcy information and assured me it would be fixed. However, it was not. The account was updated with the status showing as " paid-less than full/settlement '' and still shows a balance. Per federal bankruptcy laws this account should show as closed, XXXX balance, and as XXXX in Chapter XXXX. 

This is the 3rd time I've had to ask them to correct information. They have the correct information, they just continue to post false information purposefully. 

I've exhausted every avenue with them to get them to post the information correctly.
Complaint sub-issue: Account status incorrect

I traded my n my XXXX XXXX to XXXX XXXX  in XXXX tn for a new wago and they had some kind of internal issue which I spoke with XXXX and numerous managers about and somehow it fell through the cracks and they failed to pay my XXXX off which we had a load through ally still and it was reported on my and my husbands credit as late/delinquent because it took them over a month to pay it off all while they had it listed on their site to sell. We had been with ally for many years on several different loans and NEVER been late on a single payment in my life. Ive priced myself on my credit and this has completely and unfairly effected my ability to purchase a home. We work very hard and have XXXX children we support and this is WRONg that we are being penalized for their error of not paying off the vehicle to slip through the cracks when we were paying in a new vehicle. After numerous phone calls they finally paid it off and then I got another statement that there was a balnce of {$18.00} that still wasnt paid off which we just took care of because we didnt want any further damage to our credit
Complaint sub-issue: Don't agree with fees charged

I did not receive the XXXX-month grace period, after talking with Nelnet, they counted my XXXX-month grace period in chunks during summer semesters that I was n't enrolled. I was under the impression that it was XXXX months after you GRADUATE, not during your summer breaks. I took classes during XXXX summer semesters, but not during every summer. By the time I was notified that my payment was overdue, I had thousands of dollars in interest that had accumulated the entire time I was in school. YEARS of interest while at the same time they were telling me I did n't need to make a payment because I was enrolled in college. It makes no sense. My loans are all broken up with letters of the alphabet, 2 As, 2 Bs, then letters C-G. I 've paid off C, but it cost me {$900.00} for a {$200.00} initial loan. Right now I 'm focusing on the higher interest loans, but after my payments so far, I owe XXXX on my Group D which was for XXXX. Ridiculous. I was getting a mortgage when I found out that my XXXX month grace period was over years ago, I called Nelnet, they had me mixed up with a different person. So they sent me an entire loan information package, all in XXXX, with student loans belonging to someone else. I called back, and they could n't tell me how much I owe, or how long the payments would go on for. 
Right now I 'm trying to pay them off as fast as I can, and I send extra every month. XXXX of my loan groups I do n't technically owe a payment on until XXXX of 2018. I pay every group. And then pay extra on certain accounts, and now I 'm sitting with an email from them saying I 'm {$5.00} short, and that {$5.00} payment is overdue. HOW? I do n't see it anywhere. I never pay less. It makes no sense. But it feels like they are just milking me for every dollar they can get. It 's ridiculous. 
I have a XXXX kids with a XXXX on the way, I was working while in school, the last thing on my mind was babysitting Nelnet when they made the terms of the loan very simple with the grace period and repayment arrangement. They are taking advantage of students, and I do n't think it 's right, fair, legal or just. 
I attended XXXX, as well as XXXX. 
Thanks-
Complaint sub-issue: Frequent or repeated calls

I requested an auto repair loan to have my vehicle fixed with XXXX. invoice I have is XXXX. The company Confident Financial Solutions said I owe them XXXX which was not the agreement. While I was attempting to fix the issue with XXXX, Confident Financial Solutions would call me 4-5 a day back to back and would leave me 2-3 emails. I had to block their number for the ridiculous amount of times they would call me.
Complaint sub-issue: Problem making or receiving payments

PNC, like many financial institutions, allows for transfers between accounts to pay loans and credit cards held with them. My most recent payment to my credit card with them, using this transfer feature in their mobile app, was on XX/XX/27. Today is XXXX, and while the balance on the card reflects the payment made, the transfer has still not hit my checking account with them. Taking more than XXXX business days to process a payment is excessive. 

Similarly, I have an auto loan setup with them on autopay. This does not display in the app. Rather than taking the paymeny for the loan on the due date ( again, even when the due date is a business day ), there are delays in the payment made and no way to confirm it has been done in the app. When I asked customer service about this, they confirmed this is by design. 

For people who only have access to the internet through the mobile app, these systemic delays and lack of transparency surrounding pending items undoubtedly lead to people thinking payments have already gone out and making purchases based on balances that should reflect pending payments to PNC products, but do not. I have no faith that this is anything but intentional and would like PNC to process payments made to internal loans and credit cards within XXXX business days at most.
Complaint sub-issue: Not disclosed as an attempt to collect

AES did not disclose the calls were not being recorded and I have recorded calls as proof. They are XXXX and I do not wish to deal with them. They are collecting for NCT but NCT sold my loans into investment which means they do not own my loan anymore, it is illegal to collect on this because they do n't own it. AES claims they do but I never received proof. NCT needs to remove all negative marks and marked as a paid in full because they no longer own it. NCT is famous for suing people for no reason it is illegal. I never signed any agreements with NCT, NCT is a debt buyer but AES claims they are my lender, they are not and AES knows this. AES is committing fraud against me by collecting on a loan that NCT is not an owner of.
Complaint sub-issue: Seized/Attempted to seize property

This complaint is on a group providing services to the public, but also provide a special service to certain privileged individuals, which are the instigators, and the ones trying to cover up their own crimes. About XX/XX/2010, Branch Banking & Trust Company Inc. where I make monthly mortgage payments on a now alleged mortgage which, is a 5.50 % fixed rate on a XXXX year conventional mortgage. I was not delinquent on payments, neither delinquent on city/county property taxes nor homeowners insurance. A Ponzi scheme was being operated locally involving the assistant clerk, giving an illusion of legal authority, and pretending a fraud law and using and accepting others to use defeated forms with false content to mislead as a conduit to advance an agenda orchestrated by certain lawyers and others concerning privately owned real property. It appearing now, that certain fraudsters had previously unlawfully been using my property for their personal desires and fun. When the economic turn bad I believe these fraudster tried to cover up by filing false information that mirrors someone failing to pay their mortgage and other bills, a false light upon me also, artificially created a justified their Ponzi scheme. This scheme would not survive in a real court under a judge, but I was being rerouted outside the legal/normal jurisdiction by certain actors. The actors included impostors as XXXX threatening, falsely arrested me, using lower standards without the required proper documents. XXXX. certificate of incorporation " delegates authority '' for active and honorary members to " ... conduct amusement enterprises of all kinds ... exhibits shows ... theatres ... and acquire all costumes, scenery, properties ... to issue bonds ... debentures or other negotiable instruments ... secured by a mortgage ... from time to time seem advisable '' .to enter into, make, perform, and carry out contracts of every sort and kind ... foreign government ... '' I believe these fraudsters are being " hired '' through this illegal non profit corp. too fictitiously validate certain Foreclosures and it authority as a legal act performed by law enforcement. Nasty, Nasty, but no doubt great commissions. This also involves an alleged real estate agent, as XXXX XXXX I ask the XXXX of the police department to make and file charges against and others for making a false police report, impersonating a federal agent of XXXX etc., but he refuses. I also, by XXXX fax confirmation sent to XXXX to acknowledge and inform others about the difference between rules and laws including about the exposure of fraud in banks violations.
Complaint sub-issue: Information belongs to someone else

This COMPLAINT/DISPUTE response to an entry THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILURE OF NOTIFICATION. 2ND THREATS AND CONTINUED COLLECTIONS EFFORTS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERIFICATION OF ALLEGED VERIFIED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. I HAVE FILED ALL THE REQUIRES PAPERWORK AND DOCUMENTS AND I HAVE YET TO RECEIVED ANYTHING IN RETURN.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}, {$20000.00}, {$2000.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 
3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Complaint sub-issue: Received bad information about your loan

Since XX/XX/XXXX I have been trying to get my student loans errors corrected. 
On my credit report the Nelnet company is reporting the same information 3xs on my XXXX, XXXX, XXXX, XXXX & etc. reports showing all loans have increased in XX/XX/XXXX through XX/XX/XXXX in red. 
Signaling that I'm late in paying when I haven't started paying because I'm still attending school and my loans are in Deferment. 
The loans are subsidized and unsubsidized and are not to increase while in deferment. 
Nelnet company is refusing to correct how they are reporting my accounts making my credit profile look like I'm paying my loans late which is not true it's a lie. 

The Nelnet accounts I'm referring to are as follows : # XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate acct. being reported as mine not true only one is not both ) # XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate acct. only one is not both ) #  XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) ; # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) ; # XXXX ; # XXXX ( is a duplicate one is not one )  ; # XXXX ; # XXXX ( is a duplicate one is not mine ) # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) # XXXX ; # XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-equifax are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law.
Complaint sub-issue: Information belongs to someone else

This account doesn't belong to me. Please remove it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2017 from CBNA repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report And this inquiry address shows on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX
Complaint sub-issue: Account terms

I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!
Complaint sub-issue: Frequent or repeated calls

West Asset Management has been calling my boyfriend 's cell phone everyday after he asked them to not call him anymore as he is not responsible for my debt. My boyfriend has recorded numerous times that they still continue to call and using aggressive measures to collect a debt. This company is harassing someone who does not owe this debt and should be held accountable for these attempts after being asked numerous times not to call that number.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}
Complaint sub-issue: Information belongs to someone else

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors Equifax already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XX/XX/18 XXXX : :XXXX  XXXX XXXX XXXX Credit Report Hard XX/XX/18 XXXX/XXXX XXXX/XXXX Credit Report Hard XX/XX/18, XX/XX/18 XXXX/XXXX  : :XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX   XXXX XXXX, : : XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18 EQUIFAX XXXX  XXXX : :XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18, XX/XX/18 FACTUAL DATA : :XXXX XXXX XXXX  XXXX  Credit Report Hard Equifax Hard XX/XX/18 XXXX XXXX XXXX XXXX Credit Report Hard
Complaint sub-issue: Information belongs to someone else

I am requesting that XXXX XXXX XXXX be removed from my credit file with all 3 credit bureaus. XXXX XXXX XXXX XXXX falsified my initial credit application to get me financed. This information has been submitted to XXXX XXXX XXXX as well. And also The FTC and my attorney. I am requesting investigation and immediate removal off my credit report the dealership falsified my records by changing my monthly income of XXXX to XXXX to get me financed. According to FCRA you can not report fraudulent inaccurate information to my credit file
Complaint sub-issue: Other problem

On XX/XX/XXXX, XXXX  XXXX processed a refund in the amount of {$330.00} to my closed Citi credit account ending in XXXX ( see a confirmation email attached ). The account was closed by Citi in XX/XX/XXXX. On XX/XX/XXXX, I contacted three different Citi representatives ( including one supervisor ) asking them to access the account and verify the receipt of the refund. All three Citi representatives stated that this account was not in their system and that there was no way for them to locate this refund. I offered to provide a copy of my credit card agreement or my old statements to help locate the account. They refused. I'm attaching my old credit card statement and my credit card agreement to this complaint as well.
Complaint sub-issue: Information belongs to someone else

Please investigate and remove fraud information which I listed in identity theft.
Complaint sub-issue: Problem making or receiving payments

Trying to link my account to XXXX and am being told pnc has made a change to my account that won't allow it to be linked. I need access to my accounts the way I want to use it.
Complaint sub-issue: Problem accessing account

When I opened my care free checking account, I was NOT told there was a different routing number for online only. I went back to the bank in XXXX and retrieved from the teller, the routing number I needed to have for online banking. I used my direct deposit routing number for my rent but was the wrong one, unbeknownst to me. The automatic rent take out never posted and was declined by the rent company so it left me with owing for XXXX, XXXX {$600.00}. I cancelled the automatic which I am paying in partial payments to the property management. The routing number for online banking, which was given to me from the teller is : XXXXXXXX  My direct deposit is different and everything is okay for that. 
My checking account number is XXXX XXXX XXXX XXXX The teller suggested XXXX XXXX was distracted at the time. That was the teller 's excuse. 
The state I thought was a state bank but it is federal and was directed to contact you. 
I have, in my email, the state is forwarding my complaint to you.