Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I filed a complaint against Equifax because of the results of their investigation with a dispute I have with XXXX XXXXXXXX XXXX, Complaint # XXXX. I have provide numerous documents to support my claim that XXXX XXXX is not reliable with their information. I have proved that they have told over 14 completely different versions of this debt. Despite this I get a letter from Equifax today saying they are not going to re-investigate my dispute. They know that XXXX XXXX is reporting false information. I have proved that XXXX XXXX is reporting false information. They have told XXXX, XXXX  and Equifax completely different versions of this debt. XXXX XXXX told three different versions of this debt on the same day to Equifax, XXXX  and XXXX. I proved this to Equifax yet they say they are not re-investigating ( See attached letter from Equifax. ) If the CFPB refuse to do anything about this my next complaint against Equifax will be with the CA Attorney Generals office because what Equifax is doing is illegal. They are knowingly allowing XXXX XXXX to report false information. I have proved beyond all doubt that XXXX XXXX is not credible yet Equifax continues to let them report their trade line on my credit report. XXXX XXXX told Equifax 6 completely different versions of this debt and yet Equifax continues to let them report their trade line on my credit report. The CFPB is also aware of this proof and they have done nothing about it. I have uploaded document after document with my complaints that prove what I say yet the CFPB has taken no action against Equifax.
Complaint sub-issue: Account terms

On XX/XX/XXXX, XXXX collections were put on my Equifax credit report. These accounts are not mine. XXXX XXXX XXXX bank Balance {$590.00} opened XX/XX/XXXX, XXXX XXXX XXXX balance {$1000.00} opened XX/XX/XXXX, XXXX balance {$600.00} opened XX/XX/XXXX, XXXX Balance {$310.00}, XXXX accounts for XXXX XXXX opened rhe same day seems highly irregular. Plese delete these from my report.
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 : XXXXXXXX XXXX XXXX  | XXXX ; XXXX | XXXX | XXXX ; XXXX | XXXX | XXXX. 

According to : 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 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 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: Received bad information about your loan

I paid XXXX XXXX XXXX to manage my loans {$600.00} and then {$29.00} thereafter. They sent my loans to XXXX XXXX where I made payments. I was told student assist would manage everything but when it came time to recertify I had to go through XXXX anyway. I cancelled with XXXX XXXX and my loans disappeared from XXXX. I was told they went back to the original vender. They fell off my credit report completely and were no where to be found. XXXX XXXX told me to call XXXX  XXXX and vice versa. A year later my loans pop back up with XXXX with added interest of {$5000.00}. I've been going back and forth with XXXX and XXXX XXXX since XX/XX/XXXX with no reconciliation of the issue. They will not remove the additional interest and can not tell me why the loans disappeared at {$44000.00} and returned at {$48000.00}. I've been out of school since XX/XX/XXXX had the loans since XX/XX/XXXX and all the money I've paid does not lower them in anyway. I'm included conversations back and forth between the loan companies. XXXX XXXX basically told me I should be happy they disappeared and would not help me in any way. Now XX/XX/XXXX and I'm still dealing with excessive loan debt that is not completely accurate.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint AGAIN to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge... 



XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$1700.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We notified Best Buy / Citbank credit card in XX/XX/XXXX about some re-occurring charges on our card from XXXX for {$29.00} per month dating back to XXXX. A total of 18 charges for a grand total of {$530.00} not including interest and fess paid over this time.. We opened a Fraud Claim. We heard back from Ciitbank on XX/XX/XXXX that the information reviewed does not sustantiate a claim on of unauthorized use. We NEVER signed up for any services with XXXX other than having a free profile with our Employers to share content about our companies. My husband and I do not have any credit card information linked in our profiles. Nor have we used any of their paid for services. We are not sure how our credit card information was picked up. Our Citibank card is/ was used for the purchase of refrigerator and two re-occurring charges for XXXX and XXXX XXXX. We have auto statements and auto payments with this account. We tipped us off was at the end of XXXX beginning of XXXX my husband received an email from XXXX about adding a new credit card to our account. thinking it was spam it still prompted us to look into this seperately and then review our accounts. We then notified Citibank of the fraudulent charges. My husband and I are both essential workers and have been traveling with work throughout the pandemic. The response from Citibank is disturbing... These are fradulent charges and we did not sign-up for any services with XXXX. We can show our profiles to prove we do not have credit cards linked to our profiles. We tried to also resolve this with XXXX and have received no reponse. XXXX has 493 compliants about this scam from XXXX.
Complaint sub-issue: Debt is not yours

I have contacted Equifax several times reguarding a collection account on my Credit by the name of XXXX XXXX. I have disputed multiple times saying this account was not mine. I even asked how they verified the account? And asked for proof this account was mine. I have been dealing with this situation since XX/XX/2017. I have spoke to supervisors and other reps the outcome was always no help/ verified. I have sent in police reports I have faxed in FTC report. What else can be done? I am very disappointed with them.
Complaint sub-issue: Information belongs to someone else

Today XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I filled a dispute to XXXX, Equifax, and XXXX  on XX/XX/XXXX. I have yet to receive anything saying they verified the accounts on my credit report.
Complaint sub-issue: Account status incorrect

My XXXX XXXX account opened XX/XX/XXXX was sold to XXXX XXXX XXXX XXXX  and subsidiaries ie XXXX XXXX XXXX in XX/XX/XXXX.My account was involved with the CFPB consent order of XXXX XXXX and XXXX was required to cease collection of this account, release the judgment and remove the trade line from my credit report. I have talked with XXXX and they have stopped reporting the debt and removed the judgement from the XXXX account they bought and owned from XXXX. But XXXX is still reporting the trade line last reported XX/XX/XXXX even as they do n't own the account anymore they sold the account not transferred the account .The XX/XX/XXXX CFPB consent order ceases collection activity and removes this trade line. I do n't see how XXXX can still be reporting this, it seems they want to get around the CFPB order and still penalize me when unfair practices were used to collect this debt .I have asked XXXX to remove the credit line and was told no they would not. I feel that by XXXX reporting this trade line they are still trying to collect on this debt as it is affecting my credit score by being listed as an unpaid debt. By the CFPB order XXXX can not receive any form of payment to this account, I can not even pay this debt to improve the effect on my credit report due to the CFPB consent order of XX/XX/XXXX. I am requesting that XXXX remove this credit line in accordance with the CFPB consent order of XX/XX/XXXX.
Complaint sub-issue: Can't get flexible payment options

I graduated a little over 2 years ago and my experience with Sallie Mae has been abysmal to say the least. There has been a lack of continuity from customer service, I have been yelled at by managers, and no one ever seems to know what is going on with my account. I was enrolled in their term-rate modification program and made my 3 qualifying payments on time. I specifically asked to have auto-drafts on the XXXX of each month. I initially ran into problems when my account manager accidentally enrolled me in the program with the wrong date. Subsequently, my account was charged for the amount and incurred overdraft fees for Sallie Mae 's error. I called and informed them of the issue, and they stated I would need to print and fax over the overdraft fees so that they could resolve the situation I do this and a week goes by they claim they had n't received anything ( even though I received a fax confirmation ). After running in circles with Sallie Mae I finally get a manager after calling at an inconvenient specific day and time and he has me email him the statement of charges. Everything is rectified and I begin the program. I was leery of setting up auto draft payments after the nightmare I experienced, but I did anyway to remain in good standing with my creditor and ultimately be responsible. Much to my dismay, and to no surprise my account again is drafted on the XXXX of the 4th month 1. for an amount that was not agreed upon ( less than the agreed upon amount ) 2. for a date that was not agreed upon. I call Sallie Mae they are unaware of the agreed upon amount and they are emphatic that the date in question was correct. I am now over a month behind on my student loan payment and had to close my bank account because the overdraft fees and surcharges were well over {$500.00}. Sallie Mae is worthless, incompetent, and criminal. If at all cost I would avoid doing any business with them. I would n't borrow water from Sallie Mae if they were selling it they are certified crooks with little interest in the consumer satisfaction.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT HAS BECOME SO OVERWHELMING TO ME BECAUSE OF THE FACT THAT I KNOW FOR SURE NONE OF THE ACCOUNTS RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Received bad information about your loan

FedLoan Servicing continues to list XX/XX/2015 student loan payments as Eligible for forgiveness under XXXX XXXX XXXX XXXX ( PSLF ) program. However, the company has failed to complete the required XXXX XXXX in order to qualify these payments regardless of the numerous requests and complaint that I have made or the verification information I have submitted multiple times.
Complaint sub-issue: Frequent or repeated calls

They are calling people in my extended family whom i have no contact with. I dont know who they are or what they want. If they want to contact me they need to do so by mail.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I have submitted a complaint about incorrect reporting. 

I was advised via the CFPB process that the company would be informing about the steps that were taken to investigate reported information. 

To date, I have yet to hear anything of substance from XXXX XXXX, Equifax, or XXXX about the steps that were taken. 

I maintain that what they have reported on me is incorrect, and not single phone call, letter, or any means of communication has been made to contact me about clearing this issue.
Complaint sub-issue: Was not notified of investigation status or results

I have sent three letters to Equifax about the violation of my FCRA rights. All certified mail and one of them notarized. They have responded by email that they would investigated and would respond in thirty days. They have sent out the same letter asking me to identify myself. I have included in each letter my drivers license, Social Security, and a W2 form with my address and Identification as well as the previous letters I sent. They have been doing this stall tactic since XX/XX/2020. 

I have all receipts from the Post office from the returned receipts that were stamped or signed by someone from Equifax. They have not responded within the 30 day timeframe of investigating inaccuracies on my credit report. 

They have violated my FCRA rights and haven't conducted any investigation into the erroneous inaccuracies on my credit report.
Complaint sub-issue: Reporting company used your report improperly

I am opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX ran my personal credit multiple times without my consent.
Complaint sub-issue: Information belongs to someone else

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX
Complaint sub-issue: Investigation took more than 30 days

EQUIFAX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST EQUIFAX, XXXX XXXX   AND XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a follow up response after reviewing Equifax 's generic response about XXXX XXXX account number XXXX. I disagree with Equifax. Who did they speak with and what was the contact number? Both XXXX and XXXX did their research and fixed the issue. Why is Equifax the only one that is not truly investigating? I want this information because I believe they are only sending a generic response changing names of companies etc. I want their contact the contact person from the creditor. I am aware of what the statue of limitations is that was never my issue.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax, is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/XXXX XXXX I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 litigation 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: Other problem

I have asked for my over payment returned to me by check then by transfer as per their instructions, all have failed. Then the they required proof of my account belonging to me! 

I closed this account last month and was told I could reopen in within 60 days however today they reneged on that promise also. 

My card is " XXXX '' XXXX. XXXX XXXX XXXX XXXX, SD XXXX. Phone # XXXX I will again try to send them proof of my account. 

This is a ridicules demand. 

Most likely designed to delay a customers money. 

I request my money be returned with interest. The same they would charge me.
Complaint sub-issue: Attempted to collect wrong amount

I received a bill from Americollect on XXXX XXXX, XXXX for {$250.00} for the services of XXXX XXXX of Nevada. The issue with this bill is that my insurance provider at the time, Nevada XXXX XXXX, is in Permanent Receivership. Had my insurance provider not been in Receivership I would have had a zero co-pay for XXXX services. This was communicated to XXXX XXXX of Nevada and they are well aware that under the Permanent Receivership, " The XXXX will focus initial efforts on two parallel goals : ( 1 ) avoiding disruption in the delivery of health care to the Enrollees for the period that they are entitled to receive such care from XXXX ( ending no later than XXXX XXXX, XXXX ), and ( 2 ) maximizing payment to Providers and creditors for services rendered initially during the receivership period ( which commenced on XXXX XXXX, XXXX ) and thereafter for amounts owed for services rendered before that date. 

IT IS IMPERATIVE THAT YOU CONTINUE PROVIDING HEALTH CARE SERVICES TO ENROLLEES ON THE SAME BASIS AS BEFORE, WITHOUT CHARGING ADDITIONAL AMOUNTS OR REJECTING REQUESTS FOR APPOINTMENTS OR HEALTH CARE SERVICES. 

Specifically, the Permanent Receivership Order provides at pages XXXX and XXXX : All providers of health care services, including but not limited to physicians hospitals, other licensed medical practitioners, patient care facilities, XXXX and XXXX facilities, XXXX companies or managers, and any other entity which has provided or agreed to provide health care services to members or enrollees of XXXX, directly or indirectly, pursuant to any contract, agreement or arrangement to do so directly with XXXX or with any other organization that had entered into a contract, agreement, or arrangement for that purpose with XXXX are hereby permanently enjoined and restrained from : SEEKING PAYMENT FROM ANY SUCH MEMBER OR ENROLLEE FOR ANY AMOUNT OWED BY XXXX ; Interrupting or discontinuing the delivery of health care services to such members or enrollees during the period for which they have paid ( or because of a grace period have the right to pay ) the required premium to XXXX except as authorized by the Receiver or as expressly provided in any such contract or agreement with XXXX that does not violate applicable law ; Seeking additional or unauthorized payment from such XXXX members or enrollees for health care services required to be provided by such agreements, arrangements, or contracts beyond the payments authorized by the agreements, arrangements, or contracts to be collected from such members or enrollees ; and Interfering in any manner with the efforts of the Receiver to assure that XXXX members and enrollees in good standing receive the health care services to which they are contractually entitled. '' Thus, as Ordered in the Permanent Receivership, IT IS UNLAWFUL to attempt to collect ANY amount owed by the XXXX.
Complaint sub-issue: Problem with fees

Citi Bank credit card Mastercard. XXXX I went to Florida and when I came back I wanted to pay the bill. I paid {$1900.00} minus the 3 rental cars from XXXX XXXX. Called fraud and guy told me that one of the girls added two more cars instead deleting them. Car was {$200.00} x 3. They refused to delete them all. XX/XX/XXXX to XX/XX/XXXX. In the meantime before I knew they were investigating the cars I put XXXX in XXXX. When I realized Citi was giving me a hard time I looked to transfer {$300.00} into XXXX  XXXX XXXX. It took XXXX  days to transfer. Unfortunately it past my time on Citi card. To pay them. Waited two days and I had to pay a late payment {$4.00}. so I paid it. In XXXX. Finally XXXX  XXXX XXXX did the transfer and paid Citi credit card. I looked at the bill XX/XX/17 to XXXX. They still will not cancel the car and add {$300.00} on to the {$200.00} plus fees of {$29.00} and fees {$4.00}. total {$540.00}. I have been calling them all the time they will not correct it. Also they keep asking everytime I call my birthdate. I am to old ignore her??? Good question. In the meantime XX/XX/17 to XXXX I spoke with a lady and I told her I do not them anything. She said yes you do. I said prove it lay it out for me. She said you {$300.00} and {$300.00} total minus {$540.00} leaves you with {$300.00}. I told her should go back to school and take math. I hung up I have been at this for XXXX months none at Citi card listens or can add and subtract I am still fighting. I do not know what to do. Please help
Complaint sub-issue: Account status incorrect

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter in regards to EQUIFAX, XXXX  and XXXX  on XXXX, XXXX and XXXX asking that they be removed. Please note the response should have been provided by date XX/XX/2021. I have not received a report and EQUIFAX, XXXX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with XXXX, and it wasn't removed. All XXXX keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is XXXX still showing that old account. This account should not be on my credit report. 

File number : XXXX