Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

This loan provider continues to report negatively on my credit report. All of my other loans have been able to be deferred when I was in school, apply for a income driven repayment planned and or have a forbearance. This company has made it increasingly hard for me to reach anyone with regard to my account and making it become available. When I first called they told me that it was reassigned to a lawyer in Massachusetts. When I called them they were not able to give me any information about my account. The next time I called, they told me that my account had and reassigned to a lawyer in Tennessee. When I called them they were not able to give me any information about my account. The last and third time I called, I was told that it was reassigned to a lawyer in Tennessee, XXXX When I called them they were not able to give me any information, instead they said my account was reassigned to a company called EduCap. They gave me a phone number and when I called the phone number was not in service! I do n't know what I 'm supposed to do in terms of paying it off if I ca n't reach anyone yet, Loan to Learn continues to report missed payments to the credit bureaus and Educap did not have a working phone number.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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. XXXX XXXX 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. XXXX XXXX  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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the 3 Credit Bureaus after I purchased a credit report with IdentityIQ on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hope that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX  is showing negative payments and actually reported negative on XX/XX/XXXX, I filed Ch XXXX Bankruptcy in XX/XX/XXXX. This is against the law.
Complaint sub-issue: Information is missing that should be on the report

Because of XXXX, we entered into a forbearance period with XXXX Bank on XX/XX/XXXX. At the end of the forbearance period, XX/XX/XXXX, we were required to respond to their offer of a mortgage payment trial period. Our response was affirmative and we began to make on time payments, XX/XX/XXXX. On approximately XX/XX/XXXX XXXX reported us as being in arrears to the following credit agencies : XXXX, XXXX, and XXXX, resulting in our credit scores plummeting. After speaking to XXXX, I ascertained that this action is in violation of the CARES Act that governs mortgage negotiations as the result of XXXX, and credit reports are, in the words of the Act, " the furnisher shall ( I ) report the credit obligation or account as current. '' Further, and importantly, we were never informed that during the forbearance period or the mortgage modification period, we would be reported as delinquent. 

Finally, TIAA Bank sold our mortgage to another furnisher and when I call to find a resolution, the bank hangs up on me. I was fortunate to have a number I could call and obtain an email address. The bank is not responding to my emails.
Complaint sub-issue: Company closed your account

Due to the COVID Pandemic The XXXX XXXX XXXX allowed me as a cabdriver ( independent contractor/sole proprietor ) to apply for a COVID EIDL Loan. They also offered me a granXXXX. The grant was in two disbursements : {$10000.00} and {$5000.00}. I also received a loan in the amount of {$24000.00}. Upon receipt of these funds Citibank closed my account without any notice. The reason was because the money was deposited into my personal checking account. The XXXX did not specify that I needed a business checking account in order to receive the money. I have called the Consumer Fraud Protection Department numerous times but to no avail. I exhausted all my options, including asking if I could open a business bank account with them and have the money transferred. 

I contacted the XXXX. They advised me that Citibank needed to return the money back to them, after which they would reissue the funds to me in a different bank account. Citibank would need to provide me with proof that they returned the funds. I would then have to submit that information to the XXXX. 

As of today I have no contact with Citibank. I do not know what else to do. It's going on a year. The loan of {$24000.00} is accruing interest but I have no access to the funds. Any help you can give me would be greatly appreciated
Complaint sub-issue: Funds not handled or disbursed as instructed

My bank ( XXXX XXXX ) uses a 3rd party company, Fiserv for Bill Payment Services. We requested a stop payment thought FiServ on a duplicate payment being sent to our Cell Phone Provider ( XXXX ). XXXX XXXX  communicated to us that the stop payment had been processed. Many days later we learned that a freeze had been placed on our bill payment service and none of our bills had gone out for payment. In a panic we called XXXX XXXX, who directed us back to FiServ. FiServ told us that they wouldnt unfreeze our Bill Payment until we paid them {$210.00}, which is the amount they said they sent to XXXX on our behalf even though we requested a stop payment AND the stop payment had been confirmed by XXXX XXXX. We informed FiServ that XXXX hadn't posted a duplicate payment from us. Additionally, XXXX informed us that they never received a duplicate payment for us. 

We continue to request a refund from FiServ in the amount of {$260.00}, but they are not willing to do so and keep telling us to call XXXX. XXXX says they don't know what FiServ is talking about and has never received communication ( XXXX or phone call ) OR a second payment from XXXX XXXX. 

This is clearly an issue of a bad process on the part of XXXX XXXX  and FiServ. Specifically, there are no verbal disclosures that are covered on the call informing consumer that there may be a freeze placed on bill payment services. Additionally, they don't offer a process in place for the consumer to recover funds in a reasonable manner. I'm assuming that this failure in process has impacted more consumers than just me. It's as if XXXX XXXX  is allowing FiServ to hold customer bill payments hostage until they pay for a stop payment that's in process .... REGARDLESS OF IT WAS RECEIVED, PROCESSED AND POSTED BY THE COMPANY THAT WAS TO BE PAID. 

I'm currently 8 hours into this process and still have no answers. I'm furious and disappointed in both companies. I'm requesting the CFPB investigate this process failure by XXXX XXXX  AND FiServ ( Especially FiServ ) .I can only image how many consumers have been impacted by this issues and suffered overdrafts, late payment fees, negative credit bureau impactsetc. Additionally, I'm requesting that the CFPB levy monetary fines against FiServ specifically on behalf of consumers for this process failure. 
Ill also be sending this summary to a number of attorneys for a class action lawsuit against FiServ.
Complaint sub-issue: Their investigation did not fix an error on your report

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX
Complaint sub-issue: Account information incorrect

Ive disputed two auto loans that I worked very hard to pay off. I paid them off and they keep showing up on my equifax XXXX XXXX report. I have disputed several times and they refuse correct the problem. A company with the power to effect peoples lives should pay attention and do their job.
Complaint sub-issue: Reporting company used your report improperly

UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.
Complaint sub-issue: Sued where didn't live/sign for debt

They are contacting and harassing family members and friends and have illegally made them the guarantor of my lease and put my debt on their credit reports without them ever having signed or consented to anything.
Complaint sub-issue: Investigation took more than 30 days

i have sent several letter to Equifax and i havent even got a respond to the letters that i sent back in XXXX and i know it pass the 90 deadline No one had respond to me either by email or mail
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a ftc report fcra,609 forms to equifax which they have not taken care of correctly! 
Fraud accounts, inquiries I never obtained used or owed or even paid because they were never mine they have not taken off. 
XXXX XXXX needs to be removed completely I never had a collection And I never paid XXXX they are lying I do not have any account with them. Equifax deleted the collection account on XX/XX/XXXX and then put it back on my report. 4 days later! THAT IS ILLEGAL and I have grounds to sue equifax for doing that! 

It needs to be deleted. 

My inquiries are not authorized These I requested to be deleted as well and they did not. I didnt give permission or even contacted these people XXXX XXXX, XXXX XXXX XXXX XXXX  Names needing to be removed that dont even exist are not mine Also the address Address I sent in
Complaint sub-issue: Personal information incorrect

According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

I sent my letter off to correct the " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX
Complaint sub-issue: Report improperly shared by CRC

Equifax provided my credit file to XXXX XXXX XXXX Fraud and Prevention services without my consent or expressed authorization. I did not initiate business with XXXX XXXX XXXX on the date in which my file was submitted. I am requesting a security freeze on my Equifax credit report.
Complaint sub-issue: Account information incorrect

My credit score doesnt go up for long time and i see some credit accounts that is not mine
Complaint sub-issue: Their investigation did not fix an error on your report

So I disputed an account that was fradulent on my XXXX  account and they resolved the issues but XXXX  and Equifax didn't even acknowledge that XXXX had deleted an account that was never mine and so Equifax and XXXX  needs to update my credit score once again. They aren't being up to date with everything
Complaint sub-issue: Public record information inaccurate

On XXXX of 2021 Ally Bank report an Repossession and then later change it to charge off. 
This is not correct the car was repossession from an former business partner of mind and and since the writ of sequestration was issued wrong Ally Bank owes me an bond or remove the account. If Ally Bank refuse it will leave me no choice but to file suit against Ally Bank under the Fair Credit Reporting Act.
Complaint sub-issue: Old information reappears or never goes away

In XXXX XXXX, XXXX XXXX XXXX reported my account delinquent to the credit reporting agencies. I settled my account with XXXX that year and paid my account per the settlement. According to FCRA, XXXX and Equifax should have removed the settlement from my report as of XXXX XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with XXXX and I am continually told that they are reporting correctly. When I called XXXX on XXXX/XXXX/XXXX a XXXX rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but Equifax is not removing it. Every time Equifax contacts XXXX, XXXX tells Equifax that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from XXXX and Equifax. This is also happening with XXXX 's XXXX ( credit card now through XXXX XXXX was through XXXX XXXX ). XXXX XXXX XXXX was also settled and first reported delinquent XXXX XXXX. I have tried on numerous occasions to resolve this with XXXX 's XXXX and Exquifax with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my Equifax credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.
Complaint sub-issue: Information is missing that should be on the report

citibank, na, XXXX XXXX sd, ( bank for my XXXX  XXXX  card ) sent me a notice that my account was past due. it was reported with the high balance to XXXX  that included exorbitant fees. i had paid. I sent the canceled check. they argued and did not credit and kept threatening that i had not paid. XXXX  did not remove the high balance and my credit score went down. I disputed with XXXX, bank card said they did not have any information in letter format and that I needed to write them a letter. no.
Complaint sub-issue: Reporting company used your report improperly

This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts.
Complaint sub-issue: Reporting company used your report improperly

Hello, after carefully reviewing my consumer report i have realized that according to The Fair Credit Reporting Act 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) states " the term consumer report does not contain information in regards to sensitive details such as transactions and or experience between the consumer and the person making the report. '' and as i realized that late payments are a form of transactions, and Utilization is a form of experience created by credit usage. i have realized that a few of my consumer rights have been violated. 

XXXX, Equifax, XXXX are all listing a late payment from ( XXXX XXXX XXXX XXXX XXXX  ) as well as reporting credit usage for all of my credit card accounts which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my XXXX XXXX XXXX XXXX  XXXX XXXX 

Usage/ Utilization are a form of Experience as a byproduct of credit usage, AND late payments are a form of transactions. 

USC subsect 1681b ( a ) ( 2 ) says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it related. from what i understand i have never gave XXXX, XXXX, OR equifax any kind of written instruction to report any late payments or any sort of usage, any transactions or any experiance created by credit usage on my consumer report. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose says, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and it also says the banking system is dependent upon fair and accurate credit reporting. INACCURATE credit reports directly impair the strength and honesty of the banking system. and ANY unfair credit reporting ruins public trust and confidence in the banks which directly affects banks negatively. 

MY PRIVACY HAS BEEN VIOLATED and nothing about any of these transactions or experience reported by these 3 companies ( XXXX, EQUIFAX, XXXX ) is a form of violation to my consumer rights.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent multiple requests to Equifax XXXX XXXX until now we are in the month of XX/XX/XXXX and still no response from them. That means EQUIFAX has not complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Remove these following accounts completely from my credit report : XXXX XXXX XXXX - XXXX Balance {$0.00} ; ALABAMA XXXX CO - XXXX Balance {$0.00} ; XXXX XXXX Bankruptcy - Reference number : XXXX Filed on XX/XX/XXXX 2019
Complaint sub-issue: Trouble with how payments are handled

I received a letter telling me that interest in the amount of {$290.00} had accumulated on my account while my IDR plan was being recalculated. When I went to pay it online the amount was {$280.00} which I paid online. I have direct debit and it showed a withdrawal of {$280.00} which is my usual payment coming out on  XXXX / XXXX /  XXXX  . Then it shows a direct debit of {$270.00} AND {$550.00} coming out on  XXXX / XXXX /  XXXX  . I called today, spoke to  XXXX . First he told me I must have mixed up the amounts. I went over how I had a letter saying  one  amount and online it shows a different amount for outstanding interest which I paid. Asked why the direct debit on  XXXX  never came out. First he told me it was a weekend which should n't matter since it 's just direct debit. Then he told me I still have to recertify for an IDR plan. I said I have approval letter in my hand. Finally he determined that they applied the payment toward NOT the interest that had built up but toward the {$550.00} due for  XXXX  so the {$270.00} is what I still owe. This is not what I indicated I wanted paid. When I called earlier to ask how to pay this online I was told anything I pay automatically goes toward interest first. This was apparently not the case and impossible to see clearly on t he Fedloans  website and the person I spoke to in the call center clearly did not know what we happening and did not really seem to care.
Complaint sub-issue: Account status incorrect

Due to Covid -19 I asked my auto lender XXXX XXXX XXXX for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. XXXX XXXX XXXX made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my XXXX XXXX XXXX loan. XXXX XXXX XXXX refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.
Complaint sub-issue: Problem with personal statement of dispute

The lender named Payoff Inc. under Happy Money has erroneously and falsely reported a negative month into my credit file with XXXX, and XXXX. They have told me that they only report when an account is 30 days delinquent. My monthly and semi-monthly payments towards my account with them have never been beyond 30 days late. To no avail, I have reached out to them electronically and via mail. They have defiantly 'Dug-In ' and remain defiant to the facts, facts that will show that none of my payments have been 30 days delinquent. I can even show where they removed one month where they had me as past due only to move that past due status into a month where payments clearly reflect that there was never a 30 day delinquency.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi i see inquiries that i dont recognize. I have reached out to the original creditors and they couldnt help me. I have sent a dispute before to you guys to delete these inquries I have no knowledge of. Please delete from my credit report or I will have to seek litigation. I did my research on the law and it stated per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile