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

I have two XXXX XXXX XXXX loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.
Complaint sub-issue: Trouble with how payments are being handled

Called Nelnet originally on XX/XX/2022 requesting a partial refund of {$5200.00} from a loan with a total balance of {$9100.00}, that I paid off during Covid.

The agent went through the entire process with me, where I gave verbal permission for the refund, in addition to, all of the other varying information that was required. That agent informed me that my refund would be reviewed and I would receive it within 4-6 weeks, going on to say that it wouldnt be longer than the 6 weeks. Lastly, the agent informed me that someone from Nelnet will be reaching out with further information and confirmation between my initial call and three weeks from then. 

Having not heard anything from Nelnet in the four weeks, I called again today XX/XX/2022 to confirm that my refund was being processed and that I didnt miss the call or communication on their end. 

The agent I spoke with today told me that it was strange that my refund was taking this long and it didnt appear that I needed to do anything further for the refund to be processed. Upon asking when I would be receiving the refund the agent informed me that it would be at minimum 30 days, but most likely closer to 60 days from today 's XX/XX/2022 conversation. 

The agent was unable to confirm where my request was in the overall order of requests, or if they were able to process it sooner, in hopes of receiving the return within the initial 4-6 week that was quoted.
Complaint sub-issue: Information belongs to someone else

Credit Inquiry is mines, and i did not authorize for my credit to be pull. I've tried disputing this many of times. 

Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ( Did not authorize this )
Complaint sub-issue: Trouble with how payments are being handled

My student loan servicer seems to be miscalculating my Income-Contingent Repayment ( ICR ) payment amount. They have been unable to explain to me why their calculation for my monthly payment is $ XXXX, when the estimator on XXXXXXXX shows my monthly payment estimate as $ XXXX. 

This servicer XXXX XXXX XXXX is difficult to contact, and their representatives are unhelpful and unable to provide information on their calculation of my payments.
Complaint sub-issue: Account information incorrect

Nelnet is reporting lates on accounts # XXXX & # XXXX that I should not have. My accounts were in forbearance and I should not have gotten any lates on them during that time. I would like them removed off of my credit file.
Complaint sub-issue: Information belongs to someone else

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, Passport ID and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing a legal suit against XXXX and Equifax because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.
Complaint sub-issue: Debt is not yours

This 3rd party debt collector ( AFNI, Inc. ) keeps harasing me with collection letter on an alleged unpaid debt with XXXX XXXX XXXX. I have reported this company in the recent past for the same collection letter except this time they are attempting to collect a " discounted '' amount. This is pure harassment. I never had an XXXX XXXX XXXX account in my life. My identity was a victim of theft from a breach from XXXX account and was reported approximately 2 years ago. This needs to stop. This company has recenlty filed with XXXX and is trying to ruin my excellent credit status. Luckily, XXXX took it of my account as they realized it was an a fraudulent claim.
Complaint sub-issue: Personal information incorrect

I applied to take over a lease from a private party through the website XXXX of which I am a member. The leasing company was US Bank. They denied my application. I requested in writing why it was denied and the written reply was " Terms/conditions requested not offered ''. What the does that mean ... you ca n't talk to a person. I requested a copy of the report that was used to deny the application. They charged me {$120.00} to apply so I should be entitled to see the basis for the denial. The last communication from them was on XX/X/2017.
Complaint sub-issue: No notice of investigation status/result

Please be advised this was my SECOND WRITTEN REQUEST to Equifax. The unverified items listed below remain on my credit report in violation of Federal Law. Equifax are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation, Equifax stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
Equifax have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - Equifax are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear, I demand the following accounts be verified or deleted immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On or around XX/XX/22 I submitted a dispute for fraudulent inquiries appearing on my Equifax Credit Report. In accordance with requirements set forth under Section 605B of the Fair Credit Reporting Act ( FCRA ), I provided a copy of my drivers license, a list of the fraudulent inquiries that I did not consent to or authorize, a copy of the Identity Theft Report that was filed with the Federal Trade Commission ( FTC ), and a copy of the police report regarding the identity theft filed with the XXXX  XXXX Police Department ( XXXX ). 

Despite this, Equifax failed to block the information. On XX/XX/22 Equifax sent correspondence state that they are not blocking the information, but instead will contact each company. The letter goes on to state that in order for Equifax to block information under Section 605 ( B ) I must provide proof of identity, 605B of the Fair Credit Reporting Act, you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of my FTC Identity Theft Report or police report regarding the identity theft. 

Given that all of the information that is required to block fraudulent information was already provided Equifax and was received by Equifax as evidenced by certified mail receipts, they are required to block this information. Equifaxs ongoing failure to remove the fraudulent inquiries is a violation of my rights under the FCRA.
Complaint sub-issue: Problem with fees

In XX/XX/XXXX opened credit card ac. w/ Home Depot ( XXXX XXXX ) Store in XXXX . PA. 
I arranged for payment through my electronic bill payer with XXXX XXXX XXXX. 
On or about XX/XX/XXXX received 1st billing statement. Due date XX/XX/XXXX Bank records show payment was made in amount of {$5.00} on XX/XX/XXXX XX/XX/XXXX received late payment notice with fees assessed. 
XX/XX/XXXX Sent ltr. to Home Depot Credit Card Serv. with copy of negotiated bank check by Home Depot. Ltr. sent after several call to the Credit Department. 
Began receiving delinquent notice telephone calls from collections agents ( several ) daily. 
XX/XX/XXXX Received ltr. from H-D Credit Services acknowledging receipt of my payment and that payment should have been credited previously and that it would be immediately credited to account. 
01 thru present continue to receive late notices with {$2.00} charge each month. 
Negative entries have been sent to credit reporting agencies affecting credit score Credit Score of over 800 was down to XXXX as of XX/XX/XXXX. 
No other negative activity has occurred with any other creditor.
Complaint sub-issue: Reporting company used your report improperly

So I filled a complaint XX/XX/2022 On Equifax on how they did not do a proper re-investigation since they didnt do the job the first time explaining to them all accounts were still incorrect complaint number XXXX ( filed with CFPB ) they then send me in the mail that they cant verify me and need more information on XX/XX/2022 but yet they had my information when I sent it in, thats how they did the false INVESTIGATION THEY CLAIM THEY DID!. This is very unprofessional on their behalf they need to respond to my CFPB complaint and delete the accounts I am a living person protected with federal rights that they have violated this is my second complaint with CFPB now. Date XX/XX/2022 and I was a victim/Affected due to equifax data breach as well with proof
Complaint sub-issue: Deposits and withdrawals

On XXXX, I did an instant transfer from XXXX to my Ally Bank account. After several minutes, my funds were still not available in my Ally Bank account. I called Ally Bank and they said that they were having problems with their system and that deposits made after XXXX EST would not be available until XXXX EST the next business day. This is completely unacceptable. I never received any notice that there was an issue. This is false advertising and unfair to their customers to hold their money and not even notify them.
Complaint sub-issue: Information belongs to someone else

XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I  even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted my FTC Identity Theft Report and a letter requesting the block of my information multiple times since XX/XX/2020. 

I have uploaded them, uploaded them to disputes and faxed and I mailed a copy on XX/XX/XXXX. 

To date the request to block the following accounts have been completely ignored when other bureaus have corrected and blocked per XXXX FCRA : Collection Account professional XXXX associates {$980.00} XXXX bank charge off XXXX {$2500.00} Synchrony Amazon Card chargeoff
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 XXXXXX/XX/2022 DEPT OF ED XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

The Department of Education has duplicated the same information through several companies on my credit report. Making it appear that I owe 3-4 different companies the same amount of money ; and each of them are derogatory. Each of them reporting similar information but different payment histories, different start dates, different last activity dates. I have never had a contract with any of the companies listed below and I am in fear that I will be forced to pay upwards of {$45000.00} to clear up my name. XXXX XXXX DEPTEDXXXX. 
One credit bureau received an update from the Department of Education on XX/XX/2021, claiming that my past due balance had increased {$1.00} ( XXXX dollar ). The problem with that is that any information that the Department of Education is my student loan service provider is false/incorrect/fraudulent. It seems as though the Department of Education is purposely reporting inaccurate information. This repeated abuse is damaging and its only purpose is to cause injury. The reports submitted to the credit bureaus by the department of education should be deleted. 
Each credit account I have should only be listed on your credit reports once. But these accounts are listed multiple times. Accounts that are reported more than once may make it look like I have more debt. This is a violation of the Fair Credit Reporting Act ( FCRA ). The fact remains, my credit report has at least 8 duplicated accounts that are all showing inaccuracies. On XX/XX/2021 the Department of Education reported a {$1.00} increase to those accounts and XXXX dropped my FICO score 55 points. XXXX has since corrected the issue to show there was in fact no increase of debt. 
XXXX XX/XX/2021 ( 7days later ) DEPTEDXXXX and the Department of Education updated those accounts ; again showing another {$1.00} increase in the same accounts. XXXX again dropped my FICO score, this time 59 points. This is retaliatory.

The has already closed my complaint about the Department of Educations reporting practices. Suggesting that I contact them directly. I have already tried. My interaction with the Department of Education is that they are unwilling to correct the errors on my credit report and they will not voluntarily delete their account. The fact remains, my credit report has at least 8 duplicated accounts that are all showing inaccuracies. 
Who else does a consumer go when the Consumer Financial Protection Bureau wont actually protect consumers from the Intentional Infliction of Emotional Distress and retaliatory behavior from what seems to be a predatory lender? 
The inaccuracies should be deleted from my credit report because they fail to meet the requirements under the Fair Credit Reporting Act ( FCRA ) ; where both the credit reporting agency and the information provider have responsibilities for correcting inaccurate or incomplete information in my report. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$980.00} XXXX  XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid my car loan off in XX/XX/2019 and the credit bureaus reported my tradeline as a collection account or charged off which is not correct.
Complaint sub-issue: Problem accessing account

I have been treated unjustly with a discriminatory and malicious intent from the branch manager of US Bank XXXX XXXX, WA. Her name XXXX, and the assistant regional manager XXXX, have done everything in their power to prevent me from transacting or even closing my various accounts at US Bank. Furthermore I have had funds in my account for 20 days and still can not transct on my cds or positive balance. I lost out on a real estate deal where because of her pointless driven action to put hold after hold after hold on my account, I am now liable for escrow failure to deliver and owe the seller {$10000.00}. 

I have also asked repeatedly for an explanation for the holds and treatment and frankly outright control and information sharing against my wishes. 

I have {$470000.00} in verified and settled assets and, not only can I still not close my account or transact on it, I keep getting refered back to the " branch ''. The US Bank fraud department has no issues only one person, a branch manager who is clearly not doing her job and continues to lie and data share against my wishes.
Complaint sub-issue: Information belongs to someone else

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX   XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$590.00} XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXXXXXX {$740.00}
Complaint sub-issue: Information belongs to someone else

I faxed over a copy of my drivers license, social security card, and utility bill to update my personal information and to remove inaccurate names and addresses. Fraud alerts were placed on my account due to the inaccurate name of XXXX XXXX and fraudulent inquiries. I asked for the following fraudulent inquiries from XX/XX/XXXX to XX/XX/XXXX without results : XXXX/XXXX   Inquiry : XX/XX/XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX  XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 letter about inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anyone. 

I am sypmathetic to the Delta varient increase, but I feel like my dispute letters are being ignored and that I am being taken advantage of because I am not a major corporation. You know this better than I, but Section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these items should be deleted immediately. 

I demand these accounts be deleted accordingly. You are my hope to resolve this matter without litigation, but I am prepare to file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. 

My information was impacted by the Equifax data breach I am demanding that all items on my credit report is validated with PROOF, not statement printouts. 

PLEASE HELP remove, delete and update the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Please intervene and assist me with this request. Thanks!