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

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 90 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Complaint sub-issue: Information belongs to someone else

Equifax fails shows a unpaid account on crdit file for XXXX $ there is NO NAME NO ACCOUNT NUMBER date from XXXX! and then re-issue don XXXX/XXXX/XXXX I have asked for an investigation proving it belongs to me with no success the Equifax site will NOT allow me to dispute, the sire creashes when entering the information, I have called the EQ help line and put on hold for 20 minutes and then disconnected after being switched 3 times! 

I want proof its mine or I will have to consider this fraud and stolen identity unless its removed from credit file!
Complaint sub-issue: Received unwanted marketing or advertising

I received a purported letter from Equifax, stating that they have been attempting to reach me. The letter states : Contact Equifax Customer Care Team at XXXX. After contacting Equifax at their true and correct number, I was told that this letter is a scam.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I sent a certified letter to XXXX 's about the late fee that I was being charged since the first statement, which I never received. The account was opened in XX/XX/XXXX.Payment was made on the account in full through on line banking. Payment posted on XX/XX/XXXX. A/C # XXXX. XXXX XXXX. However there was a late fee which was waived, given this was my first statement that I had not received. This was never corrected despite my attempts. Due to this negative reporting by XXXX 's my Citibank Platinum account was not renewed ( bank refused to send me a new card ). I tried to correct it through the credit bureaus to no avail. I never paid late on any of these accounts. To this date, I still have maintained an automatic payment with CitibankAadvantage.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

In XXXX XXXX I had an emergency operation due to a slip and fall accident at XXXX XXXX. I was treated at the hospital by XXXX XXXX XXXX, MD. Due to the nature of the accident I hired an attorney in XX/XX/XXXX who began the process of a lawsuit. I received invoices from the hospital and others which I forwarded to my attorney, however, I never received a bill from XXXX XXXX XXXX, MD. Throughout the litigation process my attorney requested records from the doctor 's office and was notified that I was still in litigation and was awaiting a settlement. 

Finally in XX/XX/XXXX I received my settlement and contacted the doctor 's office to pay my bill. They told me that the bill had been sent to collections. I was completely shocked by this. I spoke with the doctor 's office and asked them why they sent me to collections when they knew I was in litigation and of course they could n't tell me why. I also asked them why I did not receive notice that I was being sent to collections, again no answer. I asked to pay the bill and they refused to take any payment. So I called the agency they hired ( PlusFour ) and tried to pay them. PlusFour also refused to take my payment because they wanted to collect close to {$3000.00} when the original bill was only {$1800.00}. A couple days later they served me with a lawsuit. I really feel taken advantage of. I was out of work due to my injuries and could not pay the bill, my wife is also very sick and is not working. I am trying to do the right thing here but it looks like it is backfiring on me. 

I also recently looked at my credit report and noticed that PlusFour pulled a hard inquiry on my credit report. I know that that they are not allowed to do that either.
Complaint sub-issue: Trouble with how payments are being handled

I finished XXXX school in XXXX of XXXX and began paying my XXXX school loans ( all Federal Direct loans ) in XXXX of XXXX. I am a XXXX XXXX in the Public Service Loan Forgiveness program and thus my servicer is Fedloans. 

In early XXXX I applied for reduced student loan payments based on my income. I selected the 'PAYE ' repayment plan. When Fedloan processed my application on XX/XX/XXXX, they determined that I was not eligible for the PAYE plan. In this situation their procedure is to place the applicant on the plan with the lowest monthly payment that they are eligible for. That plan should have been REPAYE, which caps payments at 10 % of discretionary income. Instead I was placed on IBR, which capped my payments at 15 % of my discretionary income. I have stayed on IBR since then, making my monthly payments. This means I have been paying approximately {$200.00} more per month than I should have. 

I contacted Fedloan by phone today and spoke with XXXX, with the employee ID of XXXX. She acknowledged that they made " a processing error '' and she acknowledged that, on XX/XX/XXXX, the plan with the lowest monthly payment that I was eligible for was REPAYE. She said that she would put me on REPAYE starting today. However she says that it was my responsibility to select the correct repayment plan initially and therefore Fedloan will not refund me the additionally money I paid over those years as a result of being placed on the IBR plan.
Complaint sub-issue: Personal information incorrect

For two weeks now, I have struggled with Equifax so that my credit union, XXXX XXXX XXXX XXXX, can pull my credit report for a mortgage. Because of the unfriendly and inefficient services of Equifax, it has caused me great hardship, including losing a home I wanted to purchase. 

To date, I continue to try to get Equifax to correct my date of birth. I have sent a copy of my birth certificate, my driver 's license, my XXXX passport and my social security card to Equifax in XXXX, Ga. These documents were sent express mail and the tracking number shows that they were delivered. When XXXX tried to pull my credit report today, it was still unsuccessful because of " a flag on my date of birth ''. 

After an extremely long wait on hold, I finally spoke to an Equifax agent, clearly a young XXXX XXXXXXXX man with limited English skills. According to this agent, my incorrect birth date was provided by XXXX. He also told me that XXXX could change this birth date. 

I believe that both of his statements are incorrect. 

Consumers call Equifax seeking for accurate information and assistance. Being told incorrect information does not help the situation. The fact that there are long wait times to speak to Equifax agents and that Equifax agents are providing incorrect information demonstrated the poor service that Equifax is providing. 

Equifax security was breached between XXXX and XX/XX/2017 when XXXX XXXX XXXX records, XXXX XXXXXXXX XXXX  records and XXXX XXXX XXXX records were compromised. I suspect that my incorrect date of birth is related to the security breach and that it is hereby demonstrated that Equifax did not completely correct the impact of this event. 

Instead, consumers are inconvenienced and face hardship due to the unprofessional conduct of Equifax. I already correct my birth date in the past and am now forced to correct the same mistake again.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was in dis belief when I saw the late payments on my student loans. 

Late Dates are not listed but it says 90 to 119 recent days late. 90dayd would be XXXX XXXX and XXXX 2019 but the picture of the debt dont show any latex in 2019 Account names Dept of Education XXXX Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

I have been contacted by them numerous times and each time I have asked them for an itemized bill to verify the amount owed. I keep getting different responses from them from " we do n't have to give you XXXX '' " well why do n't we just settle the debt so you do n't need XXXX '' " just pay your bills you do n't deserve XXXX ''.
Complaint sub-issue: Didn't receive advertised or promotional terms

XXXX service call my cell phone misleading saying their where a financial bank offering lower rates already approve, run my credit report without my consent, found out cause XXXX send me a report about my already account. They offer 0 % for the remaining of my open account if I paid on time. Got credit card info and what they said is not true- is a introduction 1 year only and after it goes to whatever % credit card is offering and finally they charge {$990.00} for a balance transfer of {$2500.00} from XXXX XXXX XXXX Call to asking all the above and the supervisor answer with nasty words. When I said what their doing is fraud, and reporting to consumer report agency. Card that approve city simplicity the balance transfer said is happening more and more nothing they can do. I said you should requested XXXX with the person openning account?
Complaint sub-issue: Problem with fees

I made a transfer balance from US Bank Elan Financial to the my XXXX credit card.After transfer, Elan Bank added to my account {$3.00} interest and on the same day they charged me for late fee $ XXXX.They refused to refund {$29.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I requested validation and verification of a bankruptcy with XXXX XXXX that has been reporting to the credit bureaus. After 30 days I received a response from Equifax stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. XXXX XXXX violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if XXXX XXXX verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including XXXX XXXX. I do not know how XXXX XXXX received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Complaint sub-issue: Account status incorrect

For background : in 2015 I was going through a divorce and needed to get rid of my ex-wife 's car under my name. I talked to XXXX ( XXXX XXXX XXXX ), and they said I could take this car back to the dealership essentially, " give it back. '' I did this at the end of 2015, taking the car to XXXX of XXXX in XXXX, Maryland. Two month later, XXXX sent me a letter saying the car would be " repossessed and sold at auction '' if I didn't make payments, and a month later the car was sold. At this point they had already had possession of the car for 3 months and had stopped sending me bills so this was confusing. I spoke to XXXX XXXX XXXX, the woman said they sold it, sold off the remaining debt, and I owed them nothing. She also said I didn't own any third party debtor, that as far as they were concerned the account was closed. 

Fast forward 6 years, and no one has ever contacted me for any debt. I have no current account at XXXX, and they can't even look me up by my Social Security Number. Yet, All 3 credit bureaus showed there was about $ XXXX ( the amount written off ) balance, but {$0.00} owed. This was fine, except one of the credit bureaus showed a monthly reported payment status and I was trying to correct this. 

Using the XXXX XXXX app, I disputed the current balance at XXXX. It should have been a {$0.00} owed balance. They looked into it, and in the end they decided the balance was correct and changed it to an ACTIVE account, making my credit score drop 124 points! The problem here is I'm currently in escrow and buying a home. I close in 2 weeks and this puts my home purchase in jeopardy. I reached out to XXXX but since I'm currently on a work assignment in XXXX XXXX, XXXX, I'm only able to reach them through XXXX messages. I haven't gotten a response there so far. 

Please help! Not only is this a closed account, but I owe {$0.00}. I have no idea who I would even owe this to. It's not XXXX - I checked. No one else ever contacted me for any debt. It's a complete mystery and should be off my account.
Complaint sub-issue: Debt was paid

On XXXX/XXXX/XXXX Hunter Warfield was sent another request for validation and all account info and notified that the debt is not owed. Tracking # XXXX XXXX XXXX XXXX - As of today no response has been received. 

Previous request for debt validation tracking # XXXX XXXX XXXX XXXX XXXX Many other requests in writing however documents not accessible at this time. 

Their claim of over {$12000.00} for XXXX XXXX is a fraudulent amount and impossible. I submitted the signed and approved by XXXX XXXX `` XXXX XXXX Notice of Intent to Vacate '' on XXXX/XXXX/XXXX for move out on XXXX/XXXX/XXXX. XXXX was paid in full and an overage for XXXX. Later an attorney acknowledged that there was only a partial balance for XXXX and XXXX of {$4300.00} however that is AFTER and the case was dismissed because they were attempting to evict me when I had already moved out and provided notice with management signature. 

XXXX XXXX continues to ignore requests for validation and report inaccurate information and a debt that is not owed. They have not responded to recent request for removal 30 days ago.
Complaint sub-issue: Information belongs to someone else

For the past two years I have been dealing with the burden of someone stealing my identity. The persons involved have received credit cards car loans and received personal family or household goods. I have tried to dispute all the accounts some came off and some refuse to be taken off. I've paid credit repair agents and tried to dispute myself with out proper knowledge. Today I the natural person consumer is asserting all lawful action to get remedy for my identity being stolen. XXXXXXXX XXXX XXXXXXXX has given me the hardest time they have sold my debt or shared it with a third party debt collector. Pursuant 16CFR 433.1-433.3 THE CONTRACT IS FRAUD THERE IS NO CONTRACT CONTAINING MY SIGNATURE. ALL CONTRACTS MUST HAVE TWO SIGNATURES NO COMPANY IS EXEMPT. They never sent validation of the debt pursuant FDCPA 15USC 1692 ( d ). I never contracted, agreed, or arranged any consumer credit transaction. I ask that the account be closed because I had no idea how to dispute the identity theft at the time in XX/XX/XXXX and it was still being actively used and paid in my name. XXXX XXXX  then closed account and charge off never sending me anything pertaining to the identity theft I alerted the fraud department. Each month since XXXX they have reported to the CRA 's negatively without the proper notice to opt out. XXXX, EQUIFAX, and XXXX are all apart of the identity theft. I've sent in a driver 's license, passport, social, and pieces of mail to prove identity and valid address. The credit reporting agencies failed to verify the info. They have me listed under XXXX XXXX or XXXX XXXX XXXX and that is not and have never been my name. They have listed I have as SSI Pension I have never worked anywhere long enough to receive a pension. In XX/XX/XXXX I filled and FTC identity theft against XXXX XXXX  XXXX My consumer report says it was open XXXX XXXX making me a minor at the time. XXXX sent me a letter saying that it was verified XX/XX/XXXX. Pursuant 15 USC 1681 a ( e ) all investigated reports must have sources of interviews of family and friends. NO REPORTING AGENCY has provided and investigated report containing such information. The credit reporting agencies are reporting on an alleged debt between me and XXXX XXXX  XXXX pursuant 15 USC 1681a. I the natural consumer has the right to privacy pursuant 15USC 1681a ( 4 ). These fraudulent accounts were authorized by SSC the real credit card defined under the Truth In Lending Act and these transactions must be excluded from my consumer report. This infringement has gone on long enough I want the account updated as paid and full and taken off my report.
Complaint sub-issue: Account information incorrect

hello this account is invalid because the date of last payment is completely inaccurate XXXX and XXXX say it was on XXXX and Equifax says that the last payment in the account was in XXXX the fair credit reporting act established that all the accounts reported in a credit report have to be 100 % accurate and verifiable if it is not it have to be removed from my credit report XXXX XXXX reported this account but the information is completely inaccurate. I have already sent letters to equifax about this account but I did not have any type of answer from them this is a violation of my rights as a consumer, please removed this account
Complaint sub-issue: Account information incorrect

The account information XXXX XXXX XXXX of {$1200.00} ( XXXX at XXXX XXXX ) on my credit report is completely wrong and needs to be removed. I do not owe any money to this company. Please see attached documents for more details.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I opened a citibank card to pay for one semester of graduate school since I didn't want to take out any more school loans after paying those off. It has been a huge headache ever since. I was on sick leave and thus, I wasn't registered from the time I ended school and the time I graduated. I had to wait for the next possible graduation date. I was not taking classes in Summer of XX/XX/XXXX. I took classes the previous semester and paid for those online with XXXX. There was a glitch in their system and they charged me for summer when I wasn't needing any more hours or classes. They have admitted to their mistake but because their system works with an outside billing system they asked me to open a dispute with my bank. I have done this five times. Each time citibank completely blows me off. I am XXXX, on a limited income, and trying to better myself by getting my XXXX XXXX and they have made my life a living XXXX. This is not my debt. Only have of what is on this bill is mine and I have stopped paying until they remove it, thus ruining my previous stellar credit. The charge on XX/XX/XXXX for {$3300.00} at XXXX is not mine, it is not for me because I was not registered at that time or taking classes. I completed my work that spring and have proof from the registrars office. This is an example of how Credit Card companies don't care about human beings. 

I will copy the email from XXXX here in case there is no place to upload a document. 


Begin forwarded message : XXXX XXXX <XXXX> XX/XX/XXXX at XXXX XXXX CDT XXXX XXXX <XXXX> Hello XXXX, Thank you for your email. After reviewing your request with the Registrars Office, it has been determined that your request is for directory information, so we can provide it without additional information. 

Graduation Date : XX/XX/XXXX This was the first graduation date available for your class, but this does not mean you took classes up until that point. You were on leave with an illness so you had to wait to graduate with the XXXX XXXX class but were not registered the summer of XX/XX/XXXX. 
Last semester of enrollment : Spring XX/XX/XXXX You were not enrolled Summer of XX/XX/XXXX or after summer XX/XX/XXXX and you should have received no charges on your student account after spring semester, XX/XX/XXXX I apologize that you are still having issue with your bank disputing the charges. Unfortunately, that is the process when this happens and I hope this letter is helpful. 
Please let me know if you have further questions. 

Thank you, School of XXXX XXXX University XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, ND XXXX P XXXX | F XXXX XXXX | XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

My personal consumer information is being distributed without my consent. This company is harrasing and alleging I owe Them a Debt.ERS and agent XXXX XXXX are in violation of title 15 of the FDCPA, CFR, and FCC.
Complaint sub-issue: Reporting company used your report improperly

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer disputes this account information Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 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. ''
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a program through a company in XXXX named XXXX XXXX. The deal was that they would charge me {$500.00} per month starting XX/XX/2020. This company was not able to provide me their program as they took down my email incorrectly. I was told I would have 7-days to review the program. Since this company could not provide me the program the day I accepted, I tried going through 2 XXXX accounts I was supposed to figure from the company. I asked for a refund within 7 days after trying to figure this system out. I mailed Citibank several times with a detailed letter explaining the whole problem. CITIBANK HAS BLOWN ME OFF AND DISMISSED MY REQUEST FOR THE REFUND! I am looking for the 2 payments of {$500.00} as a credit along with the interest incurred. 

Please help me, Citibank won't help me out. 

Thank you in advance.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, purchase for XXXX XXXX XXXX XXXX XXXX XXXX, totaling XXXX.after order cancelled, seller XXXX XXXX  many weeks later, coins were fake.second dispute order for XXXX XXXX totaling XXXX on XX/XX/2020, coins were also fake.sudmited claim to credit card company.send pictures with coins weight.after refuse claim.they insisted on get paid.I even call XXXX FBI office and report fake usa coins.sellers return shipping address were also invalid.they have ruin my credit reputation.