Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't temporarily postpone payments

i have a private loan which originated in XXXX ( 2006 ) and i live in XXXX. why am i still responsible for it?? also, my daugher cosigned for me and she needs to come off. after all these years it should be in my name only. she informed me that she would contact them about taking her name off. well, the response was she was the primary borrower and i was the maker. today, i got the opposite information where by i was the primary borrower and she was the cosigner. this is affecting our relationship because i got behind. It had been in forebearance and then a collection agency called me and then threaten her with wage garnishment and contacting her corporate office. After i spoke with them, i sent them a cease and desist letter. Aes contacted me and told me that i was n't able to use any more forebearance but they offered me a payment arrangement. i have since followed this to the lettter but the interest or the days late is constantly going up. my balance is n't going down. what shall we do???????????????
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following companies did not had permission or authorization to request a copy of my credit report. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I demand the deletion of these inquires from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.
Complaint sub-issue: Reporting company used your report improperly

Equifax, due to improper handling of personal data, allowed a breach of personal data files. My files were a part of this breach, putting me at risk of fraud and identity theft.
Complaint sub-issue: Problem with personal statement of dispute

I have a federal loan with AES that I had perfect payment history on until they randomly locked me out of my account and were unable to resolve the issue so I began mailing in payments as opposed to sending them in electronically. I submitted numerous payments I have documented that actually put my loan account ahead of by overpaying every few months. At some point AES claimed I was 60 days behind on payments and put a delenquent mark on my credit report without notifying me. I have since resolved the issue and disputed the delenquent mark on my credit report, which caused my credit score to drop 100 points overnight, with AES however they just said No its a federal loan they cant do anything. I am currently in the process of getting a mortgage loan and the delenquent mark on my credit report is costing me getting a good loan rate. If you look into any credit Ive ever been extended you will find I have never been late on payments for anything. I feel there is something that should be some courtesy extended given my payments history as well as the circumstances in which an error was made on the part of the lender.
Complaint sub-issue: Information is not mine

I 've disputed the accuracy of a collection account on my credit report for over 6 months now. The collection if from XXXX XXXX XXXX , XXXX and it is in the amount of {$2600.00}. I 've no idea what this debt is for an I 've been unable to get anyone to send me information regarding this debt. XXXX and Equifax continue to list this as a debt I owe, though when I called XXXX XXXX they said this debt belongs to my XXXX year old daughter. Who not only has n't lived with me in over 7 years but has n't been on my insurance in about the same amount of time or more. The address that this bill is under is also different. My address is XXXX, Ga XXXX - But the address of my daughter who created the bill is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. It seems as if this is falling on deaf ears and it 's really damaging my credit.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The 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 which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$190.00} ; XXXX  XXXX  XXXX Balance Owed : {$170.00} ; XXXX/XXXX  XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$95.00} ; XXXX  XXXX XXXX Balance Owed : {$21000.00}
Complaint sub-issue: Debt is not yours

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. 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. NO WRITTEN INSTRUCTIONS, PRIVACY VIOLATED
Complaint sub-issue: Problem with statement of dispute

Equifax did not take my statement or investigate my dispute. When I spoke to their customer rep they stated to me more than once they do not investigate. They asked the company who reported to Equifax to investigate. When I spoke to one of their supervisor 's by the name of XXXX XXXX stated to me that they investigate by sending supporting evidence to the company who reported to Equifax. I asked XXXX XXXX is there a way that Equifax could do their own investigation by looking at my bank statements, proof of payments, and my electronic automatic payment statement from XXXX, and she stated to me no! I asked XXXX XXXX why would you accept the statement of XXXX and not look at my proof from a accredited bank that has been in business for over 100 years. She stated to me it is not Equifax responsibility to look at the customers information, but only accept what has been reported by the company who has reported to us. I said to her that they could report anything to you guys without proof, and the only thing she stated to me was " If XXXX lies I could sue them '' When I asked to speak to another supervisor she stated to me that she was the only one I could speak to. I requested to speak to her supervisor, and she stated to me that I was the only person I could speak to. Then I asked her that I need to file a complaint, and she stated to me what the complaint is about? I said to her that I prefer to speak to someone else about the issue. She stated to me that I need to mail my complaint. I asked her why I could not file my complaint over the phone, and she stated Equifax does not accept complaints over the phone. Then she said if there is nothing else she could help me with she was going to hang up. I tried to ask her some more information, and she hung up on me. I called back and talked to another person who stated to me that they will take down my complaint and send me an apology letter. 

I have all of the conversations with Equifax recorded as proof. I would like for Equifax to correct this problem by thoroughly investigate this problem, and not just accept what XXXX will give them as proof. If not I will share my conversations with the people that will read this complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Surprise billing act has also been violated.
Complaint sub-issue: Information belongs to someone else

Equifax refuses to remove an unauthorized account from my consumer report. They refuse to follow the fair credit reporting act. My rights are continually violated. Pursuant to 15 usc 1681i, they have not conducted a proper investigation. Instead, they allow the fraudulent creditor to make the decision of whether they want to delete the fraudulent account or keep reporting. 15 usc 1681i states that the credit reporting agency is required to conduct an investigation with consideration to the information I provide, and make an impartial decision. Equifax is not acting fairly towards me nor are they protecting my privacy. 
Equifax is reporting two different credit scores as on XX/XX/2022. They are reporting a XXXX as well as a XXXX. This is a violation of the Fair Credit Reporting Act. Equifax recently lost a lawsuit for this same practice and continue to violate consumers with this illegal practice. Equifax is also allowing an unauthorized creditor to report two accounts with the same information, on to my credit report. This is another violation against my consumer rights. Equifax obtained no permissible purpose for these unauthorized accounts, and are allowing companies to pay them and cause harm to me and with no regards for my life or future.
Complaint sub-issue: Information belongs to someone else

I received a couple bills in the ail stating, that I need to make a payment for a loan. I don't owe a loan, I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. PLEASE REMOVE THESE ITEMS from my report thank you CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Complaint sub-issue: Information belongs to someone else

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.XXXX   XXXX {$2000.00} XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX {$2400.00} XXXX XXXX {$360.00} XXXX  XXXX XXXX {$140.00} XXXX  XXXX {$860.00}
Complaint sub-issue: Public record information inaccurate

I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider Lexisnexis because XXXX  told me to do so and they deleted one of them but the bureaus won't even after Lexisnexis sent them letters but Lexisnexis and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from
Complaint sub-issue: Received bad information about my loan

Disputes XX/XX/XXXX. Got run around and gave up. 
This year realized it is affecting my credit report. XX/XX/XXXX opened an investigation/inquiry for payment history prior to XX/XX/XXXX and disputed with credit bureaus. 
XXXX XXXX started to investigate again. Sent a letter to XXXX complaint # XXXX filed XXXX/XXXX/XXXX hoping they would respond. 
I received a letter from XXXX XXXX, VP Loan operations at AES dated XXXX XXXX in response to the complaint with XXXX. 
XXXX XXXX recommended in the letter I call XXXX XXXX XXXX at XXXX, which I did. XXXX than directed me to National Student Loan System at XXXX - XXXX than directed me to XXXX XXXX XXXX at XXXX - they directed me bank to to NSLDS at XXXX. XXXX directed me to Student Loan Support at XXXX. 
I called XXXX and disputed it several times with the XXXX credit bureaus. Each time the reply is " Information has been verified with NO DETAILS ''. 
I redisposed XX/XX/XXXX & AES wrote me a letter XXXX XXXX XXXX - just XXXX replied they sent me a mailed me a formal response. 
Follow up on XXXX XXXX, XXXX - Spoke with XXXX regarding conference call - She sent a request for XXXX ( they work on behalf of XXXX ) for a settlement offer - put in on XXXX XXXX, XXXX. XXXX XXXX they still have n't come to a decision. 
Client relations is once again talking to XXXX. 
XXXX XXXX is checking with Client relations and Lender Representative team. XXXX XXXX, XXXX is required complete date. 
Account is in forebearnace until XXXX XXXX, XXXX
Complaint sub-issue: Debt is not yours

My father XXXX XXXX XXXX, XXXX passed away on XX/XX/2018. He had opened an account with XXXX XXXX a year or so prior to his death, and bought a table and two stools. The account went unpaid. After his death I saw that it was on my credit report ( I am XXXX XXXX XXXX, XXXX. ). Jefferson Capital continues to send me bills and collection attempts for {$580.00} for JCS reference # XXXX despite being informed of this wrong attribution, as well as also informing XXXX and the three credit reporting agencies via disputes. I do not know what else to do to stop the collection attempts and also fix my credit rating. 

JEFFERSON CAPITAL XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ove the last 60 days multiple unauthorized auto finance inquires present on my consumer reports from unknown creditors. 
In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX Auto Financial XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX   XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

In sum, my account has been in forbearance since XX/XX/XXXX and no period since then should be excluded under TEPSLF and the CARES Act. 

I applied for forbearance in XXXX of XXXX. Under TEPSLF, I understand that more than 12 months of forbearance would have allowed my period of forbearance to be counted as eligible payments. However, because of the COVID-19 moratorium on payments, FedLoan is not counting the 10 months ( XX/XX/XXXX through XX/XX/XXXX ) I was in forbearance as eligible payments even though they should be since the COVID-19 moratorium was imposed unilaterally in XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

I had a monthly service with XXXX XXXX. On a specific occasion, I requested an add-on to my plan to allow for international data service. I then requested to have the add-on removed from my plan. XXXX nor myself were able to remove the feature due to an error message. Many different representatives at XXXX attempted to correct this but were not able to. Because of this, my phone bill continued to incur charges that amounted to a substantial amount of overage charges. I disputed this with XXXX after disconnecting my service with them, and they have referred my account to a collection agency, which is not allowing my dispute via XXXX credit agency to obtain written communications that occured between myself and several XXXX representatives.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

on XX/XX/2021 i sent out a response to a " debt collection '' team at the time i had not known that my information was illegally obtained by this account name hunter warfield and account number XXXX. also i submitted a report and the courts and credit bureaus stated this case was properly investigated. i sent a cease and diciss letter out and was notified this wouldn't effect my credit because i had paid what was asked when i was supposed to. also the open and close dates fpr these accounts are inaccurate and the date last reported is not accurate. This is ground for removal. they also violated my rights on numerous accounts under the law of 15 U.S.C1681 section 604 A, 15 U.S.C 1681q, and also 15 U.S.C 1692, The bureaus also violated 15 USC 1681 section 623 ( 9 ) ( b ) ( 2 ).
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXXDEPT OF ED 15 U.S.C 1681 section 602 A 1 have the right to privacy.

15 U.S.C 1681 section 608 a section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent Equifax, XXXX  and XXXX  regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC complaint attached to my file. That have all the inquiries and negative accounts listed
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize the following inquiries to my credit report. I have contact the Equifax, numerous times with no help. I explained I was a victim of fraud with my credit and tax returns. The inquiries as follows, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have filed a dispute with the credit reporting agencies in regards to medical information reporting on my credit report. I still have not received any information in regards to my complaint. This is really hindering me from moving forward financial. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response Please remove this inaccurate information from my credit report as soon as possible. Thanks in advance
Complaint sub-issue: Other problem getting your report or credit score

Hello, i recently sent a complaint over to you regarding Equifax. I have been having issues with Equifax since XX/XX/XXXX. They have some type of freeze/lock on my credit profile with them. I did not authorize a freeze. My credit score has been at a stand still with this company and my credit report is showing 0 % as if i have no credit. I have no issues with XXXX or XXXX my credit report is showing and my scores are changing. Thank God its getting better. Due to majority of the companies using Equifax to determine i assume approval i have not been able to get any type of loan or anything due to this matter with this company. I have reached out to them several occasions by phone, they seem to not keep track of the last call or confirmation number the representative gave when she spoke with me. I contacted them today XX/XX/XXXX, i explained the issue and informed them that we need to get this issue resolve asap, or i will have to seek legal help because its causing issues with approvals, i was hung up on by the rep. I can not seem to get any solution with Equifax. I really need help, an attorney that can get this case or whoever can get help get this issue resolved. I XXXX  reviews on them and there are more people that have had or are experiencing the same with this company and dont know what to do about it. Help. Someone need to investigate Equifax. This is upsetting me i will write a letter to the President of the United States about this and see if he can help me. I am trying to homeowner soon and other and I can not have this to ruin anything with getting this done. I dont want to speak with Equifax anymore Ive done all i can to speak with them nothing but issue resolved, a confirmation number and a postcard thats mailed from Equifax office location in XXXX  , Georgia saying the issue is resolved. I need help or attorney that can help me sue this company and start an investigation with them. I think this company is doing something they have no business or have been breached. I ready to take legal action on them.