Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Related to Equifax 's latest breach of consumer data, Equifax is either unwilling or unable to provide information as to whether and how much of my personal data was affected by the data breach. Their website www.equifaxsecurity2017.com only tries to sign us up for their credit monitoring service, which, coincidentally enough, then waves our right to sue. I have also tried calling their contracted company via the telephone provided on this website and they referred me back to the malfunctioning/nonfunctioning website. They are unwilling to connect me directly with Equifax corporate for more information. This is an inadequate and negligent reaction to their data breach in my opinion. 

Are they not required to advise whether or not our personal data was compromised? 

In a likely related scenario, I have been struggling with Identity Theft since late-XXXX ( just one or two weeks after this data breach ). I find it VERY hard to believe that this is a coincidence. We have a right to know if our data has been breached.
Complaint sub-issue: Can't get flexible payment options

I started schooling in XXXX XXXX at a private university- in order to pay for my education my parents ( mother, specifically ), co-signed on a private loan with Sallie Mae , with me as the primary borrower. During my time studying at XXXX College, from XX/XX/XXXX-XX/XX/XXXX, XXXX additional loans were taken out under the same borrower and co-signer, until I graduated in XXXX XXXX with an XXXX XXXX XXXX. After the grace period with Sallie Mae had ended, I was getting hit with large withdrawals from my bank account ( around XXXX dollars monthly ) that I was unable to keep up with, especially due to the fact that my cosigner is unable to help me make monthly payments. In XXXX XXXX I was finally able to negotiate lower monthly payments on the XXXX loans ( Sallie Mae refuses to consolidate ), I began to realize that these payments did nothing to affect the principal balance and was only covering their immensely high interest rates ( between 8-10.5 % on each loan ). I am looking to attain a reasonable rate that allows me to actually pay off over {$47000.00} in loans ( across XXXX loans ) in my name alone, since my co-signer is unable to pay.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USCsections 1681i within the time declared by law and continued reporting unconfirmedinformation which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Unable to open an account

On or about XX/XX/2022 I entered PNC Bank at XXXX XXXX XXXX, XXXX, AL XXXX around 3 pm. Upon entry I approached the teller and made her aware I would like to open a account. The teller stated to have seat and someone would be there to assist. She blurted out it will be {$45.00} to open a account. Her name was XXXX. By the time I settled in a chair the same teller was approaching stating she would help. I informed her I would like to open up a trust account. She stated the manager could help with this. She left and went into a office room near me. When she returned she had a piece of paper related to account opening information and said the manager was gone. I asked for the paper and she stated she needed to make a copy. She returned with a copy and the managers card. It said XXXX XXXX. I waited for a few minutes a woman walked out of the office room to the teller. When the woman left the teller I called XXXX and she looked at me. PNC bank is clearly conducting discriminating against clients preventing access to the bank. I was angered, shocked and embarrassed. XXXX knew I was the person who inquired about the trust via the teller. And was shocked I called her name.
Complaint sub-issue: Received marketing offer after opted out

Personal formation stolen from Department of Veterans Affairs. 
Many attempts to gain credit cards by hacker caused hard hits on my credit report.
Complaint sub-issue: Called after sent written cease of comm

I faxed as well as supplied the clerk of courts in XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received one letter from them at the correct address which was valid up to XX/XX/XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating hills laws.
Complaint sub-issue: Old information reappears or never goes away

I tried to contact this collection agency ( I C System ) because on my credit report, it says I owe them a balance for an account that has been closed over seven years. Every time I check my credit report, the date opened section is different. Right now it says this account was opened on XX/XX/20. This is an old account thats has been disputed with the original company. When I contacted them, they purposely change the date again to the date of the dispute.
Complaint sub-issue: Attempted to collect wrong amount

more than 4 months i received collection form XX/XX/XXXX regarding my previous renter with collector company named Hunter Warfield for amount of {$1300.00} but i have 2 judgements against this i called XX/XX/XXXX and start dispute more than 7 times but no responds from them so i need to remove this collection from this company in my account
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed this account on XX/XX/19and requested the method of verification for this account. I know that this account can not be verified because I have reached out to XXXX XXXX and they never responded. 

On XX/XX/XXXX, I sent a letter directly to XXXX XXXX Auto Finance account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/XXXX XXXX XXXX received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. You are still continuing to report this account on my credit reports and you do not have the legal documents to do so.
Complaint sub-issue: Talked to a third party about my debt

The company contact my cousin at her home number and left a message stating that the call was in reference to a debt collection. I do not know where they received the phone number. I do not even know her home number ( only her cell phone number ). My cousin called back and they stated they were looking for me regarding debt collection. My cousin is very upset these people are calling her. I called the company and they are collecting a debt and have my cousin 's address. I have been staying there since XXXX 2015. I have never given any XXXX the number for her home ( again I do n't even know the number ). The fact that they called a number that is not listed in my name or even in a name with the same last name, a number I never provided them and left a message they were a debt collector and gave my name to my cousin is a breach of privacy. I have signed no XXXX party authorization and I did not provide the contact number they called. I asked the company to provide the paperwork I complete providing this number to them and they hung up on me. I believe they got the number from an internet search.
Complaint sub-issue: Their investigation did not fix an error on your report

Please help me with something. Equifax has they investigated. An account on my report from XXXX XXXX XXXX for the amount of XXXX!! I have a few problems with this, 1. Im a victim of identity theft!! 2.. Ive never done business with XXXX  or entered into a signed contract with this company!! 3. On XXXX XXXX XXXX delete account from my report. But Equifax sends a letter saying its verified. Equifax how did you verify, who did you speak with at the company, what proof did you receive showing I owe this debt. Per the FCRA you must report true and accurate information and you are in violation. I will just have to seek legal counsel, because you Equifax keep ignoring me!! Please see attached FTC report!!
Complaint sub-issue: Problem getting your free annual credit report

Each year I download credit reports form the 3 major credit reporting agencies at XXXX. At least I attempt to download all 3 credit reports. XXXX and XXXX each download my free credit report without difficulty however, for the past two years EQUIFAX has asked security questions that do not line up with any of my personal information and when I correctly answer the security questions " None of the above '' I am denied a credit report. This has happened two years in a row. I called them last year, was told the problem was resolved and I would be able to download my free credit report " next year ''. Now it is " next year '' and the same problem is recurring. I called EQUIFAX again, was transferred around to at least ( the list is growing ) seven reps who all told me they were transferring me to the department that could resolve my issues. Each time I am transferred I end up connected either to an automated system that does not address the issue or to another person who claims ignorance of how to resolve the issue or of who I need to speak to in order to get the issue resolved. The last rep I spoke to says they are " aware of the problem and are working to fix it ''. For TWO YEARS? I call XXXX. I can not understand why EQUIFAX wants to make it difficult or impossible to collect the free credit report I am entitled to by law, or why they are apparently not working to resolve the issue.
Complaint sub-issue: Debt was paid

XXXX XXXX has called multiple times trying to collect on a debt that was paid and discharged from my credit report many years ago. I told them the debt was paid, but they insisted that there is a judgement against me for the debt. I told them to mail me the verification of the debt owed. They are trying to scam me out of money that was already paid.
Complaint sub-issue: Problem using a debit or ATM card

In the years of XXXX and XXXX, there were approximately {$24000.00} cents removed from my checking account. At which time, there was a breach that took place with XXXX, that caused information to be released without consent. I am a victim of that breach that took place, as to say my information was released in various locations and areas. Which allowed unknown people to retrieve access to accounts, social security numbers, and etc. There has been police reports filed with the XXXX Police Department and the Sheriff Department in XXXX, Louisiana. I have visited the branch on XXXX XXXX in XXXX, on or about XX/XX/XXXX, and spoke with the branch manager making them aware that I forgot all about the account and opened a new account with a different financial institution. At such time another card was given out to an unknown source and funds were removed from my account in numerous cities and states.
Complaint sub-issue: Received bad information about my loan

I originally consolidated all of my student loans and began repayment on XX/XX/XXXX. 
Loan was transferred from XXXX to XXXX with whom my loans stayed until being approved for PSLF program XX/XX/XXXX. During this time XX/XX/XXXX-XX/XX/XXXX, I paid an average of {$300.00} monthly on original loan of {$96000.00}. 

Following my approval and application acceptance to PSLF my loans were transferred to Fedloan Service. For the past 12 months XX/XX/XXXX to current, my payments have roller coasted from {$270.00} to {$630.00} to {$830.00} among other amounts. Fedloan reps have given me various different reasons for the changes. 

However, Fedloan does agree that after reviewing my loans I had a parent plus loan which excludes me from any IBR or ICR special programs. After asking for a copy of my original Master Promissary Note to confirm that I did check/choose consolidating the parent plus loan, Neither Fedloan or XXXX can locate the consolidating document. ( I originally thought my daughter had paid off that loan and removed it from my loans. ) I do not know if that {$9000.00} was even checked/marked to consolidate. 

Throughout these years I was never given any advice on how to consolidate or what would be beneficial to my situation, I paid my monthly bill without question. My loans now total {$110000.00} and I feel very taken by loan servicers. 

I continue to wait for a return call from Fedloan Ombudsman for his assistance on the new legislation which excludes plus loans as being a disqualifier for IBR payments. This would be accomplished through reconsolidation and result in my elimination of PSLF 3 years of payments, but lower payments, Fedloan service reps stated this was incorrect information and I could only reconsolidate if I had a new student loan. This resulted in a dead end for helping me. 

I would like to remain on PSLF and be eligible to continue on an IBR payment plan as I was prior to beginning the PSLF process.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX have 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 is not mine

My name is XXXX XXXX and I have been a identity theft and fraud victim in XX/XX/XXXX '' and a company called PRO COOLECT HAS ACCURATE INFORMATION from me and a apartment complex that someone else has you my identity and rented a apartment and a broke a lease and utilities in my name at a apartment complex called " XXXX XXXX XXXX " in XXXX, XXXX a state I have never lived in and I have documentation and the apartment complex " Manager with 100 % proof that it was not me. 

They refusing to re investigate my case and sending this information to the credit bureaus and they are calling and threatening me. 

I have open a dispute on XXXX XXXX from the previous one that was closed in XXXX due to the manager XXXX EXT XXXX not properly handling my case. 

I can not live in XXXX states at XXXX time, also My job, apartment, and all detailed documents Proove I was in XXXX where I am from when the ; person ( s ) used my identity. 


Also I sent the apartment complex my ID and information that I never lost lost due to a breach with ( XXXX IN XX/XX/XXXX '' my insurance carrier. That the person that came got the APARTMENT was two different Identifcations used told by the property manager " XXXX " and sent them ( PRO COLLECT A LETTER on XXXX XXXX to them to cancel everything and they have not responded or giving me information now and making it hard for me and all XXXX credit bureaus to remove this all my file. 

This is a very stressful, heartbreaking, and long process since last year when I found out, and I do not have a lawyer or help and this will hinder me From future jobs ( I am college graduate working in the XXXX for seven years ), from renting a apartment, buying a home, and I need assistant. 



And they are rude, disrespectful, they did not send me information, and they told me there 's was not enough information giving me why I was held responsible. 

There were XXXX XXXX used for this apartment complex, and it was mentioned to me after the file was pulled and the apartment complex made me fully aware of this and PRO COLLECT HAS PROPER information. 


My number is XXXX XXXX XXXX I went all the way to XXXX to file a report, I did my affidavit, and filed with the FBI.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and gave out all my personal information. If I was n't in danger of identity theft before, I and 145 million other people are now.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX, TX 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX < -- -- -- NONE OF THESE ADDRESSES ARE MY ADDRESSES. ***FCRA VIOLATION, HOW IS THIS VERIFIED AS ACCURATE? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- ALL THESE NAMES DO NOT BELONG TO ME -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - STATE OF TEXAS/XX/XX/XXXXXXXX Open. 
{$2100.00} XX/XX/ STATE OF TEXASXX/XX/XXXX XXXX Open. 
{$800.00} XX/XX/
Complaint sub-issue: Information belongs to someone else

Regardless of the previous written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past year I have been sending letters and calling Equifax, XXXX, and XXXX about inaccurate information that is being reported in my credit file that is re-aging the account. I have asked them to send me their method of verification after sending me letters saying " verified as accurate '' all they do is send me the same paperwork over and over saying it was " verified as accurate ''. I called XXXX on XX/XX/XXXX the Rep said that the account has been removed. I called back on XX/XX/XXXX and spoke to XXXX to ask for proof of removal to be mailed to me and she stated that " the account is still in my credit file ''. She told me my only option was to call XXXX XXXX  every month and ask them to close the account. I explain to her that this account has been in charged-off since XXXX but the company keep reporting it as " open '' and " closed '' at least twice a month making the account appear new. I have sent in proof that the date of last delinquency was inaccurate across the credit bureaus how could they be verifying if they all have different information? On some months XXXX XXXX  reports that my payments are on time and some months they change it to report that I am 65 months past due and some months I am 40 days late. There is no way that these credit bureaus are verifying inaccuracies. This account is almost 8 years old but it is being allowed to be illegally re-aged because the credit bureaus are not doing what they're supposed to.
Complaint sub-issue: Information belongs to someone else

Dear XXXX, EQUIFAX XXXX, XXXX XXXX XXXX  There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XX/XX/2017, XXXX XXXX XXXX  XX/XX/2017 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Complaint sub-issue: Company closed your account

I opened a new checking account with Midfirst bank during an ongoing promotion with bonus for new checking account after completing certain transactions. By XX/XX/2019 I completed required transactions and was eligible for the bonus, however, Midfirst decided on XX/XX/2019 to close my account by XX/XX/2019 by the terms of use of the account without any explanation. Also, they informed me 6 days after their decision. Moreover, the promised bonus was not paid although requirements were fulfilled. 

In addition, Midfirst terminated online and mobile banking access on XX/XX/2019 although my checking account was active, open and with balance in it until XX/XX/2019. My access to my funds was limited by the bank.