Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2020 I mailed a letter requesting verification of inaccurate accounts found on my credit report. I didn't receive a reponse so I sent another letter on XX/XX/2020. I still have received a response and these inaccurate accounts are still showing on my credit report. It's been 3 months
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$230.00} XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$370.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX XXXX {$800.00} 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 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 crime 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: Account status incorrect

Accessed annual free credit report on about XX/XX/2019. 
Problems : 1. ) Report listed closed account as open.

2. ) Most of the data is out of date, including that none of my recent credit issues ( such as active credit cards and active mortgage ) are listed.

3. ) I submitted Dispute. Received Dispute completed # XXXX. Attempted to access online. 
4. ) Online access to Dispute not available.

5. ) telephoned Equifax for information. Was told I had to be " verified ''. The answers to the questions I was asked were relying on Equifax 's erroneous data and therefore I was denied access to the Dispute information. I spoke with first XXXX, who first of all was very difficult to understand, and then her supervisor, XXXX ID : XXXX. 
Neither were at all helpful, including refusing to take steps to update my Credit Report information.
Complaint sub-issue: Information belongs to someone else

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS THAT IS NOT MINE APPEARING ON MY REPORT. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 
I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENT. I HAVE ALSO ATTACHED MY IDENTITY THEFT POLICE REPORT REGARDING THESE ACCOUNTS. 
I NEED THE VIOLATION OF THE FCRA AS MY XXXX DATED DISPUTE LETTER SENT CERTIFIED MAIL WAS NEVER RESPONDED TO IN THE FORM OF AN INVESTIGATIVE RESULTS REPORT. ALL ACCOUNTS LISTED BELOW WERE IN THAT DISPUTE, BY VIOLATING THE ABOVE DEADLINE DATE OF XXXX, WHICH IS INDEFENSIBLE, YOU ARE COMPELLED TO DELETE THE BELOW LISTED ACCOUNTS IN ADDITION TO THE IDENTITY THEFT POLICE REPORT THAT I HAVE SENT ON 2 PREVIOUS DISPUTE LETTERS. 
I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENT. THERE SHOULD BE NO VARIANCE IN REPORTED DATA BETWEEN YOUR AGENCY AND XXXX  OR XXXX. ALSO, YOU CAN NOT UNDER FEDERAL LAW IGNORE AN IDENTITY THEFT POLICE REPORT WITHOUT LEGAL SUBSTANTIATION. 
IN MY DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX I CLEARLY DISPUTED THE BELOW ACCOUNTS, BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORT OTHER THAN THE XXXX EQUIFAX DELAY TACTIC LETTER. 
PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Complaint sub-issue: Information belongs to someone else

EQUIFAX XX/XX/2018 File # XXXX XXXX XXXX gave me a copy Record of Application The name on the application does not match my name. The application had a different middle initial than mine. I gave EQUIFAX a copy of application that XXXX XXXX gave me. EQUIFAX have been given proof that the account is not mine and still will not take it of my credit report..
Complaint sub-issue: Trouble with how payments are being handled

I have been dealing with American Education Services ( AES, also known as Pennsylvania Higher Education Services ) for over 10 years when they began servicing my loan after XXXX XXXX XXXX ( XXXX  ) acquired my loan from XXXX XXXX XXXX XXXX. I originally took out 3 private loans with XXXX during XX/XX/XXXX and XX/XX/XXXX. I was not asked or informed when my loans were sold to XXXX and then serviced by AES. I found out about the new transaction when they began harassing me for payments, while I was still in school. I have struggled with AES for over 10 years on every level. They constantly change my loan terms and rates without reason, my payments are always fluctuating, and when I've tried to work with them on getting an actual static plan together they are condescending and unresponsive. I recently noticed that several borrowers have been in lawsuits with XXXX and AES and their loans were found to be illegally acquired by XXXX and are now being dismissed as AES has been receiving payment on loans XXXX   doesn't actually legally own. I contacted an attorney about this, as my loans fit the description of all the borrowers who have been in these lawsuits. They are loans that were bought by XXXX during the years of XX/XX/XXXX and XX/XX/XXXX, and are serviced by AES. My attorney sent a letter to AES on XX/XX/XXXX ( I will attach the letter ) demanding proof of ownership of my loans, by providing the master promissory note within ten business days. On XX/XX/XXXX I received an email response from AES with a list of my payment history. No proof of ownership, and no master promissory note. XXXX, the " owner '' of the loan has no address or phone number anywhere, and no one has been able to contact them. I am at the point where I feel my loans have been mismanaged, and are now illegally " owned '' and serviced. I have been paying AES for over 10 years, and my loan amount is {$7000.00} higher than my original principle balance in XX/XX/XXXX. I have been throwing my money away for 10 years, and my credit is ruined because of them. This is criminal ... and there are hundreds of complaints on the XXXX XXXX XXXX about these companies doing this to others, and wreaking havoc on the lives of people. I want this made right! I am terrified to waste another XXXX, as it's not even helping my loan balance, but instead they are manipulating everything to make MORE money. Please help get XXXX and AES shut down for the sake of XXXX XXXX. Lives are being ruined by them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received an email from XXXX XXXX that there was a new hard inquiry on my credit report. The hard inquiry was on XX/XX/22 from a company named Elan Financi. I do not recognize and have not made any credit inquiries in almost a year. When I XXXX elan financi it does not come up with any website or number to call and receive support.
Complaint sub-issue: Company closed your account

I am the victim of identity theft and got sick during XXXX  XXXX  and the bank closed my account when it there were fraudulent charges disputed.
Complaint sub-issue: Information belongs to someone else

I 'm a victim of identify theft. A person has tried twice to open a   XXXX   XXXX    credit card once in  XXXX  2017 and another in   XXXX   2017. Both times   XXXX   contacted me and we had calls with   XXXX   XXXX   and identified as fraudulent.   XXXX   XXXX   stopped the issuance of credit in both instances. They also removed the hard inquires on my credit reports for  XXXX  2017, but for  XXXX  2017 they missed Equifax. I have written twice to   XXXX     XXXX   XXXX   fraud department explaining about the fraud and they missed the hard inquiry with Equifax and both times they keep sending the same letter about three kinds of inquires. Pre-screening inquires, Account management inquires, and Standard inquires. Nothing to do with my issue. They are not bothering to read my letters. Because of this hard inquire it can lower my credit score.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, 2020, ENHANCED RECOVERY COMPANY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Old information reappears or never goes away

I settled a XXXX account with XXXX XXXX XXXX for the balance of {$85.00}. This company should no longer be on my credit report.
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Trouble with how payments are being handled

Firstmark student loan servicer has taken over for XXXX XXXX as the servicer for my private student loans. Under XXXX XXXX I had one monthly payment I paid early, more than the amount due and never had an issue. 

Since Firstmark has taken over in XX/XX/2021 they have misapplied my payment EVERY month requiring MULTIPLE PHONE CALLS AND EMAILS to have a payment paid in full and usually 2 weeks early. They show part of my account as past due and apply my payment only to partial sections of the total loan balance. 

This month XXXX the LOST my payment. When I called with my bank information giving proof of dates and proof that the transfer had been received by firstmark their representative told me that First mark " lost multiple XXXX  XXXX  customer payments this month '' the payments were misapplied. 

I have looked to refinance this loan however the only other available lenders all uses this awful servicer as well
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 i purchased a XXXX XXXX XXXX ticket to the value of {$1000.00}, and an extra {$280.00} through a 3rd party merchant called XXXX. Because of covid 19 the flights ended up being cancelled and we could not fly. XXXX XXXX will not offer refunds as the purchase was not done directly but through a 3rd party. XXXX has since stopped taking my calls regarding the refund. I have opened disputes with Discover but they keep putting the charges back as valid. I need my money back please assist me.
Complaint sub-issue: Other problem getting your report or credit score

ON XX/XX/2018 MY BANK XXXX PULLED MY CREDIT FILE WITH EQ I THEN HAD MY BANK TO PULL MY CREDIT AGAIN ON XX/XX/XXXX AND XX/XX/XXXX XXXX  CAN NOT ACCESS MY CREDIT REPORT FROM EQ I CALLED YOU CANT UNDERSTAND WHAT THE REPS ARE SAYING I NEED TO MAKE SURE EVERYTHING IS ACCURATE ON MY REPORT SO MY BANK CAN TRY AGAIN TO PULL MY REPORT FROM EQUIFAX HERE IS MY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX # C XXXX XXXX, NEVADA XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

Ive called equifax on numerous occasions asking them to please allow me to be able to see my credit report. They havent updated my credit report with 3rd party reporting companies since 2018. Every time I call equifax they try to force me into signing up to see my report only through them. They also are telling me that its on the 3rd party reporting companies to update it which is false. I told them the error code that all the 3rd party companies are getting and all 5 of the representatives said that I would just have to sign up with them and thats the only solution. This is false and inaccurate information. I should be able to look up my accurate report or scores on any site that offer it such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  etc.. This has been very inconvenient to me. I will also try calling them back and this time I will get the reps name and badge number.
Complaint sub-issue: Banking errors

On XX/XX/2022, PNC Merchant Services charged my checking account {$140.00} for a lease of merchant services equipment that was returned back to PNC Merchant Services on XX/XX/2022. The lease for the equipment was expired and equipment was returned properly. The charge for the equipment lease for XX/XX/2022. When calling PNC, PNC would not allow the transaction to be disputed because it was internal PNC matter. However, PNC noted that the equipment was returned and the lease was fully terminated. PNC stated that the transaction can not be reversed due to it being an ACH transaction being paid to PNC. PNC also allowed the transaction to occur even though the amount of the transaction brought the account to a negative balance. Under agreement, PNC should have returned the transaction instead of letting it process. 

In addition to being charged the lease amount, PNC also charged {$36.00} for insufficient funds for a transaction that should have happened.
Complaint sub-issue: Application denied

On XX/XX/XXXX, I applied for a credit card with Citi XXXX XXXX XXXX XXXX. I received a letter from the company stating that I was denied an extension of my credit for reasons listed in the attached letter. 

According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.
Complaint sub-issue: Problem with customer service

Please see attached record of employment and screen shots from my account. FedLoan finally certified my qualifying service, but with huge errors. First, FedLoan omitted 24 months of service ( 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, 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) even though they have certified my employment from my second employer. Second, they're not counting my service at my current employer, even though my application clearly says " I still work here. '' They've only counted 2 months ; I've worked at my current employer since XX/XX/XXXX, which means there's 3 months of services omitted. So by my count, I am missing XXXX  months of service. If these were accounted for correctly, then I would have loan forgiveness at this point. I'm so angry. They are incompetent.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a fraudulent account on my credit report and XXXX and Equifax are CLEARLY breaking the law and I have talked to Special Handling several times and nothing has been done. I have filled out a police report and have created TWO FTC ID Theft affadavits since both credit bureaus claim that either the account number or the amount was incorrect on the account. 

I clearly asked for a Identity Theft block under FCRA 605B and neither bureau is complying, which is a violation of the law. I have sent proof of my identity, and submitted everything the law asks for in order to have this account blocked and there is no reason it should still be on my credit report. 

I have sent a copy of the FCRA law that I am referring to and it PLAINLY states that this account should be blocked. Noncompliance is a direct violation of Federal Law.
Complaint sub-issue: Information belongs to someone else

After checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has yet to disclose how they verified the following accounts. i have also asked for a legal and binding contract or agreement between myself and the creditors bearing my signature. they have yet to provide any of this to me. 

1. XXXX XXXX Account Number : XXXXXX/XX/XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XX/XX/XXXXXXXX XXXXXX/XX/XXXX Account Number : XXXX 6. XX/XX/XXXXAccount Number : XXXX 7. XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 8. XXXX XXXX XX/XX/XXXX XXXX Account Number : XXXX
Complaint sub-issue: Account information incorrect

I've been disputing my credit file with XXXX, XXXX  and Equifax  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts ... ... Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 & XX/XX/22 I had disputed with each of the three credit bureaus about the two inaccurate accounts on my credit report. XXXX. XXXX XXXX Number : XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX As a result they sent me back a letter stating they were unable to locate the file, yet they are still reporting the inaccurate/negative account information. I have asked for them to provide me with signatures from the original creditors to prove I have ownership of these two accounts that they are reporting on my credit reports and they have failed to do so. I have also asked them what their method of verification was if they even conducted an investigation and they have failed to provide me with such information. I believe the letters are stall tactics so they can keep reporting negative information about me. I have already been denied housing because of these negative remarks on my credit report. Its not only injurious to my score but its preventing me from doing things such as getting a place to live. As a result id like these two accounts deleted because they have yet to do their job in providing me the information I'm privy to based of the Fair Credit reporting Act. I'm asking your company to make them abide bay the govern laws set in place to protect me the consumer from and business practices such as this.
Complaint sub-issue: Public record information inaccurate

I contacted Equifax to remove a Chapter XXXX bankruptcy from my husband and my credit. his have been almost 10 years and mine 8 yrs. They're saying the law states they can't do anything about it. I contacted XXXX and XXXX and they both removed them a year or so ago. So, how is it they can't if the other two did. We filed bk due to the economy and had to close our business. We're back on track and pay our bills on time. We are trying to adopt a couple of children and purchase a home and this is really impacting both of us. Please, Please, Please help us.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and now the hackers have my personal information. I verified this on Equifax 's website.
Complaint sub-issue: Information belongs to someone else

i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX