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

I submitted a dispute for a 30 day late payment that was inaccurate from XXXX and the 3 credit bureaus. This bank failed to send me billing statements from XX/XX/2021 to XX/XX/2021 even after I canceled the elections statement XXXX from the Branch mananger talked to me and assured me i would get my statements watch did not happen. I received a call saying my payment did not go through due to an error from on their website for XX/XX/2021, I was told because of their error i would not get a late payment or a late free. I have never had a late payment with this bank and had perfect history. Once again I did not receive a billing statement on XXXX or XXXX so I call in and paid off the whole balance because they keep having issues with sending me billing statement and issue with their website. I was applying for a Loan In XXXX and was information they put a late payment on me when it was their error they did not comply with FTCTA Act where they are required to notify me the insertion of a negative listing .They did no such thing. ( FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described In section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) ( I ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative Information to a consumer reporting agency described In section 603 ( p ).

( II ) Coordination with new account disclosures. If the notice Is provided to the customer prior to furn I sh Ing the negative Information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth In Lending Act. The Bank did no such thing. I also have not head back from dispute from XXXX and ignoring my dispute all documents enclosed
Complaint sub-issue: Trouble getting information about the card

Monday XX/XX/2022 I call into Wisely to dispute over 40 XXXX unauthorized charges. Per usual I get the worse customer service experience ever. After filing the dispute my card was closed and I as issued a new card, which I had to pay to have expedited to me. I had to call in everyday for a tracking number for my card which I never got. They will promise to call back and/or email and lie! All their calls are recorded they can check for themselves. These people will not protect your money. This is my 2nd dispute in about 3-4 months. They are not on their customers side and do not serve your best interest. Today XX/XX/2022 I receive an email stating " This letter is to notify you regarding the disputed transaction ( s ) listed on the attached page ( s ), which you recently submitted. The investigation has been finalized and we've determined that there was no error. Record analysis indicates that no fraud has occurred as investigation results match information on file. No credit will be issued. '' The kicker is this is coincidently maybe about 1 days before Regulation E timeline expire for my provisional credit my claim gets denied and Wisely did nothing to protect me as a customer. Without any written explanation of their false findings. I reported the unauthorized charges as necessary. Mailed back The Statement Of Fraud XXXX Priority Mail with a Tracking number. They will take advantage of their customers hoping they don't know any consumer laws. They will not reopen the investigation and I'm out near $ XXXX in fraudulent charges. I need the documents the bank relied on to make its decision as that is my consumer right. I will be looking into a Consumer Protection Attorney. I will also be closing this account with this janky bank expeditiously. People please if you want a secure account with a banking institution that cares for its customers go elsewhere, you've be warned. Over $ XXXX deposited at this bank yearly and they could careless about unauthorized charges on my account. Save yourself the time, headache, and resources and go to a Real Bank.
Complaint sub-issue: Their investigation did not fix an error on your report

I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC . Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- reporting twice XXXX XXXX XXXX. XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX Ga XXXX RE :  Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I paid this account balance in full. The account currently has a {$11.00} credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I submitted this complaint to Equifax Information Services XX/XX/XXXX and it was received on XX/XX/XXXX per tracking # XXXX XXXX XXXX XXXX XXXX Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX / XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax Information Services furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Complaint sub-issue: Account information incorrect

On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted Equifax XXXX online XXXX, XXXX and XXXX to advise of the issue. I asked was there a fraud alert and they said " yes ''. 
Fraud alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the debt collector.
Complaint sub-issue: Was not notified of investigation status or results

Hi, This is XXXX XXXX, I am wondering what's going on. I sent you letters about errors on my credit report on XX/XX/2022 but it seems you haven't made any action yet. You haven't even updated the status of those items on my credit report as if you totally ignored my letter. I am attaching the same documents I sent you last time so the CFPB would see them and I hope his time you will not ignore them.
Complaint sub-issue: Debt is not yours

I am being charged late fees that I should not have accrued because I called in to cancel the card before those late fees were assessed. I am now attempting to resolve the issue with the company, and they are telling me that this will not come off of my credit report no matter what type of arrangement we set up.
Complaint sub-issue: Personal information incorrect

The attached document coming from your agency does NOT MATCH my personal credit file account information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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: Account status incorrect

I WOULD LIKE THE STATUS OF THIS ACCOUNT TO BE REMOVED. I HAVE SETTLED THIS DEBT WITH THE DEBITOR AND THE ACCOUNT IS NOT ACCURATELY REPORTING. 

XXXX XXXX XXXX  Account # : XXXX Equifax Account # : XXXX
Complaint sub-issue: Information belongs to someone else

I recently received alerts from the credit bureaus about new hard inquiries that I did not authorize. I contacted the creditors and was unsuccessful in trying to find out any information. I tried contacting each credit bureau and was unsuccessful in reaching a live agent. I am trying to be proactive in catching activity on my credit file before any real damage is done.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a dispute with Equifax now *4 SEPARATE TIMES* regarding information that is incorrect on my credit report. 

There was information from a lender that was reported to all 3 bureaus incorrectly for 30 days past due. I  have gotten it corrected with XXXX and XXXX ; however, Equifax refuses to properly investigate the issue and is not fixing the report. I have provided proof, I have provided a lettter from the lender, I have followed the process of filing a dispute wit Equifax and they will not correct the issue. Again, the other bureaus report correctly - only Equifax does not.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquires that I did not authorize.
Complaint sub-issue: Need information about your loan balance or loan terms

I took out student loans in year XX/XX/XXXX to enroll in XXXX XXXX of XXXX XXXX Washington. I was XXXX years old and was  promised an education that would ensure financial security in order to repay the loans. I was promised opportunities to meet with people in the field for which I was studying to get in to and job fairs to meet with potential employers. No employers showed up to any job fairs even though we students did. It wasn't until I went to continue my education elsewhere that I learned they weren't acredited and I would have to start over even though I was several 10 's of thousands in debt. I've never had employment in my field of study. XXXX XXXX has since been shut down for preditory behavior regarding student loans and falsifying information to coerse naive students into obtaining loans for their for-profit schools. I have reached out to my student loan servicer for information regarding recent litigation on my loan. I've made attempts at repayment to one servicer only to be contacted by another claiming they held my loan. I don't even know who holds my loan currently or if I qualify for any of the loan forgiveness ordered by recent litigation. I've contacted FedLoan who has sent me the most recent statement asking for information, only to be told to contact the department if education ( which their paperwork claims to be apart of ) and was given a disconnected number. I do not feel that I should be held responsible for repayment of a loan to a school that was found to be a fraud as they already took 2 years of my life in hard work to pass their meaningless classes to get degrees nobody will recognize. Im attaching a photo of a statement from FedLoan that states the loan was dispersed XX/XX/XXXX which is 18 years after the initial loan. Im also attaching documentation of my attendence to XXXX XXXX.
Complaint sub-issue: Can't get other flexible options for repaying your loan

This summer I was able to receive a forbearance due to hardship with XXXX, however, Nelnet was unreachable. I submitted the application through the Federal website and when I attempted to call, confirm, and proceed with the action with Nelnet as I had done easily with my other service provider, I was unable to reach a representative by phone. I called multiple times and waited 30+ minutes each time before hanging up. I sent an email and it took months for them to reply, by then my account was past due and my credit score had been reduced. This is unacceptable!  Months later when my XXXX forbearance has ended, I made another attempt to bring my account current with Nelnet and was able to speak with someone by phone with minimal wait time. Why ignore my calls until my account is way past due? I had hoped to have the forbearance back dated and the negative reporting to the credit agencies eliminated, they refused and countered by suggesting that I had never qualified for a hardship in the first place. I wonder how is it possible to qualify with one loan provider and not another? I also wonder how is it acceptable for a company to ignore customer calls until their account is past due? I had no issues with Navient, and nothing but roadblocks with Nelnet. I believe that Nelnet is negligent and their practices need to be investigated.
Complaint sub-issue: Trouble with how payments are being handled

MOHELA is my loan servicer. 

XX/XX/22 submitted updated PSLF application to complete forgiveness. 

XX/XX/22 form status updated to processed in my online account but no eligible verification needed payments from XXXX have been updated based on the latest PSLF form XXXX 

XX/XX/22 called customer service but after over an hour on hold, call was disconnected without being able to speak to representative. 

XX/XX/22 called customer service. Spoke to rep who told me that even though my account shows the form is processed it is actually not completely processed & we need to continue to wait. When we asked why its taking more than the started 90 days, we were told that they mean 90 business days which is not clearly stated anywhere on their site or in the procedure. 

We intend to call back in a month to see what has been done.
Complaint sub-issue: Debt is not yours

I have an account reporting on my credit that is not mine. I have never seen this account or have knowledge of this creditor. I demand this collection account be removed from my credit ASAP.
Complaint sub-issue: Reporting company used your report improperly

Equifax - XXXX 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. I WANT TO KNOW THE FURNISHER THAT IS GIVING EQUIFAX INFORMATION. I HAVE NOT GIVEN ANY 3rd PARTY FURNISHER MY INFORMATION NOR HAVE I GIVEN PERMISSION TO GIVE OUT MY ADDRESS OR MY NAME. SEND ME THE SOURCE THAT IS GIVING EQUIFAX MY INFORMATION!
Complaint sub-issue: Account status incorrect

I requested updated information for a paid balance in XXXX of XXXX to the XXXX of Michigan for {$2500.00}. I was trying to get my passport and the Information that was on file was incorrect. I have tried to dispute my XXXX payment that was reflecting in the system for over a year now. The information " Paid, was a collection account, insurance claim or government claim or was terminated for default ''. 

None of the information is correct. This account is from XXXX, that was 11 years ago. More than enough time to not even be reporting. The balance never went into a collection status. They don't have the company information because I paid directly to the original account.
Complaint sub-issue: Information belongs to someone else

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX To whom it may concern In XXXX, Equifax leaked the personal data of over XXXX XXXX Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting accounts that are a direct result of the Equifax Security Breach, which makes your company just as responsible for damaging my credit and mental health. Your organization has failed to provide me proper legal documentation as stated in the Fair Credit Reporting Act which I have requested on, this is my second attempt for removal. The information you should have provided me should have included the following : An explanation of what each alleged account balance is for, A calculation of this balance, including the complete payment history for each account, Documentation for each account showing proof that I agreed to pay this debt, An Agreement for each account that grants the company the authority to collect debt, An updated copy of the state license for each company, including the license number. 



I would like to also mention I have kept all legal documentation such as verification of previous letters I have sent you, proof that the following accounts do not belong to me, proof that XXXX  breached my data, as well as doctor letter from my doctor stating that this situation has caused me a great  deal of stress. 



Your company is currently reporting fraudulent accounts to my credit file, remove these accounts from my credit file. 

XXXXXXXX XXXX XXXX {$2100.00} XXXX  XXXX XXXX {$580.00} XXXX XXXX {$230.00} XXXX XXXX {$200.00} XXXX XXXX {$130.00} XXXX  {$100.00} XXXX  {$100.00} XXXX  {$100.00} XXXX  {$85.00} XXXX {$59.00} XXXX XXXX {$57.00} XXXX  XXXX XXXX XXXX XXXX XXXX Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Please contact XXXX, Equifax, and XXXX  and have them to remove these incorrect accounts from my credit report.
Complaint sub-issue: Report provided to employer without your written authorization

Dispute 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review, XX/XX/XXXX. There is an ongoing civil court matter pending with this company. 

Dispute 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was charged off and closed XX/XX/XXXX. 

Dispute 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review. XX/XX/XXXX Dispute 4 : 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: Personal information incorrect

I have attached a notarized Affidavit of Fact and letter pertaining to the incorrect and/or inaccurate information being reported by Equifax.
Complaint sub-issue: Information belongs to someone else

There are some accounts on my credit report that do not belong to me. Today XX/XX/19 I was looking over my credit report with my realtor because I am trying to buy a house and I found a total of 5 accounts that I never opened. I'm not sure why these accounts are on my credit or who could've opened them in my name because I never allowed anyone to open any account in my name. I did not get any money, goods, services or any other type of benefit from these accounts that were opened without my permission. I have already filed a police report. I do not have any written/verbal contracts with any of these companies and I never allowed them to run or have access to my credit information.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is beings own is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX, XXXX # # # # # # XXXX. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, OH XXXX and XXXX XXXX XXXX, XXXX, OH XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX.Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.