Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have been dealing with a company called nelnet. I have applied for loan forgiveness. I have submitted the aplication 3 times. Every time they have denied the application. Even though I have provided the required documentation. They wait exactly 45 days and then deny it. They send me a letter asking me to submit something else. This company is garnishing my   XXXX   XXXX    XXXX  benefits as well as my federal tax return. This is been going on since early  XXXX . They attempted to notify me back in  XXXX . I was in   XXXX   XXXX   hospital in   XXXX   XXXX  . I was also   XXXX   XXXX   XXXX   for several weeks. I did not have a chance to respond to the garnishment letter. Nor did I receive it. They are refusing to stop the garnishment. Every time I call I get different answers. I have made several reasonable attempts to work this out with them. However they refused to do so
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX submitting this complaint myself and to inform you that there is no third party involved in the process. Im now submitting this complaint today to inform you as well as the Credit Bureaus that I was a victim of identity theft. I have 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 XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX  XXXX Balance : {$63.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 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: Public record

I have attempted to dispute a public record with Equifax but the dispute keeps getting turned around in 2 days without resolution. I had explained that I am working out payment arrangements with the Original creditor ( XXXX XXXX ) and that I had not been served papers for this to classify it as Public Record. They had marked the judgement as Satisfied instead of removing the item that I have no record of. Reference Number XXXX
Complaint sub-issue: Trouble closing card

My brother passed away on XX/XX/2022 without a will. I have been appointed Administrator of his Estate. I found a Key Bank debit card and took it to a local branch in XXXX, WA. I was informed there was no account attached to this card and it was issued by WA State XXXX XXXX  and I should contact Unemployment which I did. The agent also said I should contact the Customer Service number on the back of the debit card. I went to the local XXXX office and they said it didnt have anything to do with them. 

I called the Customer Service number 4 times and spent a total of 6.5 hours waiting to talk to someone which didnt happen. I went back to Key Bank 2 more times and tried talking to a manager, with an appointment but was skunked. They said the same thing, I had to talk to customer service. 

At one point, I was able to find out the funds on this card but it expired at the end of XXXX. My partner called a number he found and talked to a Key Bank agent in New York that told him no one was answering the Customer Service number any longer and I found out Employment Security doesnt use Key Bank any longer for the debit cards. 

I have talked to XXXX XXXX close to a dozen times. I was given an email address a couple of days ago by an agent to again try to contact Key Bank to resolve this issue but the outcome is unknown. A Key Bank agent from XXXX OH called me a week ago to tell me a Regulator would be contacting me as I filed a complaint with Key Bank but I havent heard from them. Key Bank is negligent, I believe in this matter and I am filing a formal complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

Came back Verified on XXXX but delete on XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Car was broken in to, and wallet was stolen. Someone stole my identity and created XXXX XXXX accounts. Called Enhanced Recovery spoke with XXXX XXXX ( Service Rep ) and XXXX XXXX  ( Supervisor ) they said they could not find me under my Social Security number. I told the company this was fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I disputed inaccuracies with a XXXX concerning my student loans. I consolidated my accounts and the consolidation caused the accounts to be paid in full and closed. I did this to clear up my credit report so that I can purchase a home. My on time payments are missing for a whole year and my missed payments are showing up with which is throwing off the ration, so I consolidated. Every other credit bureau removed the accounts from my credit report and reflect the current consolidated student loans except for XXXX and I would like them to follow suit and delete the inaccurately reported accounts and payment history. The XXXX representative told me that consolidation would resolve this so now I am asking that my XXXX be updated to reflect the changes as well.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquiries on your report that you don't recognize. 
XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

I Have sent certifed mail letters out to cease and desist all communications on my consumer profile. AUTOTRAKK LLC have failed to STOP reporting after me giving them notice of CEASE AND DESIST ( XXXX ) Certified Mail Number : XXXX XXXX XXXX XXXX XXXX To : ATTENTION : XXXX. XXXX  AUTOTRAKK LLC XXXX XXXX XXXX, XXXX, PA XXXX Respondent XXXX XXXX From : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX non-domestic Libellant Month XX/XX/2022 CEASE AND DESIST NOTICE Dear XXXX / XXXX XXXX XXXX. : XXXX XXXX & Whom it may concern I have been dealing with these XXXX bogus disputes for months, am wasting my XXXX money and I do not like it. If my credit profile is not updated properly I will file a XXXX lawsuit on XXXX. I am tired of this XXXX  with your company. Your company is causing me harm, grief, XXXX, and is a defamation of character Throughout the time frame of XXXX to the present day, your company has repeatedly contacted me, claiming that I owe and have posted a XXXX from AUTOTRAKK LLC, according to 15usc1681b. I Did not give AUTOTRAKK LLC the written instruction to post any information on-to my credit report DELETE THEM ALL FROM MY CONSUMER PROFILE IMMEDIATELY. I have disputed it and allowed you appropriate time to show evidence of this debt to be verified properly. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1681b and 18 USC 1028A for possessing my means of identification with my consent as I never did any contractional business with your company. 
I demand that you cease and desist of this activity as soon as possible within ten ( 10 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. 
Kindly govern yourself accordingly. 
Respectfully Without Prejudice, XXXX XXXX XXXX XXXX XXXX XXXX, Attorney in Fact
Complaint sub-issue: Their investigation did not fix an error on your report

Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt.
Complaint sub-issue: Information belongs to someone else

filed ftc on these accounts XXXX XXXX XXXX XXXX XXXX not mine
Complaint sub-issue: Debt is not yours

I have made several attempts to get information on the whereabouts of the vehicle. I was not provided with. **When was it sold? **What is the amount of the sale of this vehicle after I surrendered it? **If there is a deficiency, why was it sold for less than the amount owed? I have sent out a letter to the original seller on XX/XX/2022, & XX/XX/2022, with no response
Complaint sub-issue: Reporting company used your report improperly

Since XXXX, XXXX. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me XXXX, XXXX XXXX and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Complaint sub-issue: Investigation took more than 30 days

I was trying to resolve all the errors on my credit report but the credit bureaus don't investigate about my case. I want to fix the inaccuracies because my credit score is getting lower.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

An inquiry on my report was not authorized
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX  Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX  Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$620.00} Closed
Complaint sub-issue: Problem using a debit or ATM card

I opened an account A local on-line banking institute about seven months ago upon completing the enrollment process on-line, I was promised a {$300.00} enrolment bonus, when I contacted my bank via on-line I was given a run around, which to date I still have n't received any portion of the {$300.00}. I 've received several bounce slips with choice words as to refer to the " MAKER '' for reason of non-payment, I received conflicting deposit and withdrawal codes. I did attempt to correct or fix the errors, but to my surprise I was n't that lucky. Today I went to the local branch to just cash a payroll check from my employer and was informed my account had been charged-off for non-payment. I was however able to immediately reopen my checking account successfully with a XXXX dollar deposit, but given no explanation as to why so many problems to where it has effected my credit and credit score negatively, not to mention embarrassing and frustrating to name a few. The bank I 'm referring to is XXXX XXXX XXXX Checking.
Complaint sub-issue: Billing dispute for services

XX/XX/2022 I disputed this account for violating FCRA regulations TILA the credit XXXX is violating consumer laws by reporting and aid and abetting in furnishing this inaccurate report on my credit profile. 

I had no luck reaching out to the inforamtion on my credit profile for the number listed is not working. These violations are serious and harming my credit report by violating USC 1681 ( S ) ( 2 ) & ( 3 ) & Fair Debt Billing Act.

I would like the formal and orginal instrument of indebtness and all loses on books to see where is the numbers from this account is coming from. I have been getting no reply from the creditor and XXXX reps are no not giving me any names numbers or anything. this company is rude and hols your personal information hostage when trying to correct them. 

If a creditor sales something or transfer the debt the balance and other factors should go into play and be corrected. THIS IS FRAUD ALL AROUND.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Your Address Your City, State, ZIP Code ( Your email address, if sending via email ) Date Name of Contact Person ( if available ) Title ( if available ) Company Name Consumer Complaint Division ( if you have no specific contact ) Street Address City, State, ZIP Code To Whom it may concern : Re : XXXX  MasterCard - XXXX On XX/XX/XXXX I purchased a used transmission from XXXX XXXX XXXX XXXX. 

Unfortunately, the transmission had a bad throttle body, making the part defective. The part came with a warranty so I called XXXX. XXXX advised the throttle body be removed and cleaned and then re-installed for a test. The problem being, I would have had to pay my mechanic for the labor. My mechanic, himself, even spoke with XXXX and explained the situation. As explained by my mechanic, cleaning the throttle body would not have done any good. At that point in time, I disputed the transaction as I was sold a defective part and XXXX expected me to put more money into the labor of cleaning the part in order to honor the warranty. I had my mechanic repair the throttle body which cost me over {$500.00}. I am disappointed because Keybank sided with XXXX and put the charges back onto my credit card. I do not feel I should have to pay for a defective part and that Keybank should protect their customers financial interests. 

To resolve the problem, I would appreciate the disputed amount be removed from my credit card balance. Enclosed are copies of my receipt for the repair. 

I look forward to your reply and a resolution to my problem. I expect a resolution by XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the XXXX Sincerely, XXXX XXXX Enclosure ( s )
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX  has reported me to all all 3 reporting bureaus as latepayments were made and XXXX never updated.
Complaint sub-issue: Debt is not mine

We keep getting called by XXXX, upon answering the message says this is a debt collection call, press # to speak with someone or it just forwards our call to someone. Name of Company : Allied Interstate looking for " XXXX '' They have been calling repeatedly for a month now even though we have contacted the company by phone.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed fraudulent inquiries on my credit report that I did not authorize. I attached my State ID and my Identity theft report.
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XXXX XXXX, XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XXXX, XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

Original company : XXXX XXXX XXXX {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.
Complaint sub-issue: Information belongs to someone else

My husband had a credit card with XXXX XXXX XXXX. He stopped paying his bill and the credit card company then reported negatively on my credit report. I called them on XX/XX/XXXX and was informed by them that this debt is a marital debt. They told me they can report this on my credit negatively if they so please and they do and they are doing just that. This was not my credit card. I never signed/applied for this credit card and they should not have had my social security number. 
According to my soon to be ex-husband, I was only an authorized user. He had to have given them my SSN. He has done a lot of things to create financial hardship for me since he filed for divorce and did not tell me until 4 months later ( 18 days before court ). 
My house is in foreclosure ( because he stopped paying the mortgage ) and he has stopped paying the time share also. 
I filed a dispute with Equifax approximately XX/XX/XXXX. 

FYI : XXXX is my husbands nickname.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to remove inaccurate information from my credit reports, there are inquiries on my report that do not belong to me in regards to inquiries for automobile loans. 

The following inquiries that are inaccurate on my credit reports : XXXX- XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX-Equifax-XXXX XXXX 2022 XXXX  XXXX XXXX, 2022 XXXX XXXXXXXXXXXX XXXX 2022  XXXX XXXXEquifax-XXXX XXXX 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX, XXXXEquifax-XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX, 2022 Factual Data-Equifax-XXXX XXXX XXXX 2022 Equifax MXXXX XXXXEquifax-XXXX  XXXX XXXX 2022 XXXX XXXX Llc-Equifax-XXXX XXXX 2022 XXXX, XXXXEquifax-XXXX XXXX 2022 XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have resolved this account, please have XXXX XXXX remove this negative item from my credit report XXXX Thank you XXXX Equifax XXXX XXXX XXXX XXXX XXXX they claim that I have made late payments before, but that is inaccurate, I have requested them to correct this several times and they keep saying they will, but to date they are still showing my late payments on my credit reports.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. 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: Information belongs to someone else

looking over my credit profile a lot of information is invalid I am disputing all incorrect information on my Equifax to help my credit report.
Complaint sub-issue: Report improperly shared by CRC

Unauthorized hard inquiry to my credit report by EQUIFAX MORTGAGE SERVICE on XXXX XXXX 2017. 
I did not apply for any mortgage loans and was out of the country at that time.