Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Having problems with customer service

Spoke with a XXXX who refused to give her last name-said in the garnishment department and ext is XXXX-but would not disclose her full name. Secondly, I had given written and verbal authorization to speak with my 3rd party and they refused to do so. I asked for this rule or regulation in writing they denied of course. This company is not willing to work with me and I would like for some action to be taken against this agency.
Complaint sub-issue: Information belongs to someone else

There are some things on my credit report that I didnt know about along with some other stuff that is incorrect. I am a victim of fraud. 
Please remove the following items : ( Accounts ) Account # 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
Complaint sub-issue: Information belongs to someone else

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX, and XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. 

I demand the accounts listed below be removed because they are fraudulent and open without my knowledge or consent. 

XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Complaint sub-issue: Reporting company used your report improperly

on XX/XX/XXXX equifax shared that my personal info may have been impacted by their data breach. it offered credit monitor & lock services via trustedid premier wensite that has no working contact phone. i called and it hung up on me midway stating it wasnt able to process my request. its website continued with outages. it 's XX/XX/XXXX & i still dont have my credit file locked due to their site outages & repeated " 48hrs wait '' delays. i want equifax and trustedid premier to be proactive and take responsibility for what they have created
Complaint sub-issue: Account information incorrect

NELNET, INC. NEVER NOTIFIED ME, A CO-ASSIGNEE ON MY GRANDSON 'S STUDENT LOAN, OF ANY DELINQUENCIES OR PAYMENTS LATE ... BUT SENT DEROGATORIES TO CREDIT BUREAUSXXXX, XXXX AND XXXX . ACTUALLY, 7 LATENESSES OVER 3 MONTHS ON 3 LOANS. 

AS A RESULT, FICO LOWERED MY SCORE BY 200 POINTS, FROM XXXX " GOOD CREDIT '' DOWN TO XXXX " POOR CREDIT! '' NOT RIGHT, FAIR OR LEGAL TO " REPORT WITHOUT NOTIFICATION! ''
Complaint sub-issue: Received bad information about your loan

I received a letter from XXXX stating that my loans were being transferred to FedLoan Servicing because I qualified for PSLF. On XXXX XXXX I received a letter from FedLoan stating that my previous employment had been approved and that I was in a qualifying repayment plan. I was told they would track how many remaining payments I had to satisfy the 120 payments needed for forgiveness. After my account continuously said 0 qualifying payments, I contacted FedLoans to inquire. The customer service representative stated that I had made several late payments outside of the 15 day grace period. I told her this was inaccurate because I had always been on automatic deductions since I started repayment of my federal loans. I was told in XXXX XXXX that it would take 90 days for the information from XXXX to be in their system. After speaking with them on XXXX XXXX, XXXX I was told that they would have to re review it and it would be another 60 days. The customer service rep said that she was not qualified to review my file. This contradicts what I was told in XXXX XXXX when I was told that everything was approved.
Complaint sub-issue: Information belongs to someone else

Inquiries on my credit that do not belong to me that appear on my Equifax credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX  C XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I have reported to Equifax that these items are fraudulent.
Complaint sub-issue: Can't qualify for a loan

My mother and I took out a student loan through XXXX years ago and it was eventually taken over by American Education Services or AES. My mom makes payments to the loan every month and has been making the payments the same way for the past XXXX or 6 years. Recently AES took over another loan of mine that I had through XXXX with my father, it was a much smaller loan compared to the one I am complaining about. They took this XXXX loan over XX/XX/XXXX and when they did that part of the payments that my mom was making to our larger loan was being applied to my smaller loan. This was an error on AES part. My mom filed a complaint through you already and AES also sent a letter apologizing to her for the error that they made and informed her that they requested for the derogatory information be removed from her credit report and that her credit would be fixed within 60 days. Her credit is now fixed with her score rising back to where it was prior to this happening, however, my score suffered as well and was never fixed. I filed a dispute through credit karma and the dispute was completed saying they removed the derogatory information from my report however, when I pull up my score it was never corrected. Also, when I pull the payment history it says 30 days past due XX/XX/2015 which is incorrect. Any help getting my credit score fixed from this would be a great help.
Complaint sub-issue: Reporting company used your report improperly

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Case Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX, I sent out a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email First thanks a XXXX to XXXX XXXX and Equifax for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX bank line of credit, XXXX card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as XXXX you still have the identity theft. You still showing XXXX credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX dose not have my XXXX bank line of credit on there as well.
Complaint sub-issue: Problem lowering your monthly payments

I have called them several times to lower my payments back to $ XXXX and was told that they couldn't do anything until XX/XX/2023. Which by that time they would have reported to my credit for 4 months and my co-signer, basically destroying our credit..
Complaint sub-issue: Information belongs to someone else

Multiple accounts that are incorrect are reporting on my credit reports XXXX   XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I sent a letter to Equifax Information Services LLC about two accounts listed as collections accounts on my credit file. In this letter I warned them of my intent to file a complaint with the FTC. To which I did not get a response yet again. 

I have disputed these incorrect accounts on my credit file NUMEROUS times over the last year. The accounts do not even have a creditor name, address, phone number, or any identitifying information that I could use to contact the creditor directly. Equifax is blatently ignoring my rights under the FCRA. Which I have made myself very informed on since trying to deal with these accounts. I plan to seek civil action against the bureau for violating these rights and laws. I have asked over and over for them to provide me with the creditors name, address, phone number but I have never been answered. These items have prevented me from securing financing that I have desperately needed. 

The accounts listed on my report are as follows : XXXX Account Number XXXX {$150.00} XXXX Account Number XXXX {$320.00} I faxed Equifax today again with a copy of the letter that was sent in XXXX. I have attached both
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

As of today at about XXXX XXXX I was contacted by a woman from XXXX  XXXX unit telling me that there was a case against me for fraud and some other charges. I was threatened with legal action if I did n't pay the debt as of TODAY. They also tried to get my credit and debit information over the phone and when I asked if they had a website they told me no and that if I didnt make a payment today then we could n't resolve the matter at all and they would move forward with legal action IMMEDIATELY.
Complaint sub-issue: Personal information incorrect

I reached out to the credit bureaus to remove the following inaccurate names listed below. No action has taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021, I took out a {$1500.00} loan with People Trust Loan Fund. This was my fifth personal loan, with the other loans being paid off on time. Taking out these loans was helping to boost my XXXX XXXX. I was making payments on time, but many things transpired. I then injured myself on my job and became homeless. I could not afford the repayments. Although I was receiving workers compensation, it was not much. I then started getting notices from the credit bureaus about derogatory remarks. This has made my XXXX XXXX drop drastically. I was having a hardship.
Complaint sub-issue: Their investigation did not fix an error on your report

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/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 This a Violation. Delete this account immediately Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file.
Complaint sub-issue: Problem accessing account

On XX/XX/XXXX I called the bank only to be notified that they had frozen my account and after 50 minutes on hold they demanded I go to a branch to discuss why. I then received a call as I was driving from a branch in XXXX XXXX ME that they froze my account due to two deposits made at the end of XX/XX/2020 and one the first week of XX/XX/2020 from the State of Maine Unemployment. My husband 's company was furloughed for two weeks due to Covid-19 his claim was not fraudulent. We called the State to confirm as well as received a letter from his employer. The bank wanted nothing to do with it as they as processing their " own '' internal investigation. They first stated Unemployment contacted them which is a lie confirmed by Unemployment as well as the state level. They then stated XXXX XXXX contacted them again confirmed by Unemployment and at State level a lie that is not their process. They do not EVER contact banking institutions. I believe Keybank is conducting fraudulent activities that I demand investigation on. I have ZERO access to any of MY money.
Complaint sub-issue: Information belongs to someone else

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX EQUIFAX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Equifax inquiries : 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: Didn't receive notice of right to dispute

To CFPB, once again Equifax is up it again placing something on my credit report without as much as even checking for verification. A company called XXXX XXXX XXXX to which I do not know and we NEVER received a single thing concerning this matter what ever it is. This time CFPB do your job and fine Equifax or my attorney and I will take this to a much higher level. We mean business.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I have never received any notifications in regards to the investigation results and it has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Complaint sub-issue: Was not notified of investigation status or results

In XXXX i entered into a consumer transaction with XXXX XXXX and it looks like now Puget Sound Collections has taken over the account. The big problem that i have is that i noticed this collection company pop up on my credit report, BUT i have never heard from them before and i don't know who it is. I don't know what the {$1800.00} charges are all for, what interest or fees are associated with that amount or anything. I was never given the right to dispute this account, and they haven't sent me any of the documents that i requested. I'm not refusing to pay but this account is inaccurate and never was properly validated for my consumer rights. I think Puget Sound is in violation of my consumer rights by illegally reporting this debt and hurting my credit and causing me stress. I sent them a letter over 30 days ago ( XX/XX/XXXX ) asking for ANY information that they had about this account and i'm being ignored. This is really messing me up.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$5600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: Difficulty submitting a dispute or getting information about a dispute over the phone

I applied for some lending. I was denied. I was told I have a collection account on my credit. I have never received any calls, emails or mailing concerning and collection account. I was provided a company name from the creditor that we applied for lending. I googled the company and its a collection company called IC Systems. I contacted them and the researched under my social security number, name, address date of birth and said I do not have anything on file for them. So I contacted XXXX XXXX and wanted to dispute findings. I was told nothing at all for collections on my file. A month goes by and I get a notice from XXXX XXXX that there a change in my credit file since I am a member of the credit watch for 8 years now. I contact them and innate dispute. since they can now see it on my file. I get a mailer from them that says they updated my file to show its a valid debt. I contact IC Systems back and still I'm told nothing nothing on file. I literally had to tell them I suspect fraud has been done. She then tells me that under my social the have a file in a completely different name and in the state of North Carolina about 700 miles away from me. She then gives me the name of the creditor that is reporting the info. I tried calling them and was on hold for 49 mins before hanging up. I googled how to report a fraud on there system which is Spectrum which is a internet/cell company and there like 20 documents that they want, including a police report, utility bill, copy of my id and notarized. I have no problem supplying, but they want you to fax it in. in this packet I am submitting it contains my social security.. The main issue is they say it could take over 6 weeks to correct the issue. That is just unacceptable!!!!! I feel if they as a company would have done the job correctly in the first place then none of this would have happened. I feel that a company should verify a persons identity when applying for a item that involves credit when making a purchase. I have had my credit locked with XXXX XXXX, XXXX and XXXX. Had Spectrum done there job correctly then they would of seen or had notice my credit is locked. I don't feel I should suffer 6 plus weeks for there mistake.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. 

Then, starting on XX/XX/2021, I started receiving messages from debt collection agency TrueAccord stating that I had an unpaid balance with XXXX XXXX. I have never ever done business with XXXXXXXX XXXX or TrueAccord for that matter. 

I have emailed XXXX, XXXX, XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.
Complaint sub-issue: Problem with personal statement of dispute

A collection account was removed from my Equifax credit account thru XXXX XXXX and my score dropped 62 points. Collection accounts are a negative item on a credit account and my score should have not dropped 62 points. I have tried on several attempts to resolve this issue with XXXX XXXX and it has not been resolved. I also have a car note account listed on my account with them and the credit company reported exceptional payment history. Yet my score goes up one point each month. I need both issues investigated and resolved. Thanks.