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

I submitted 4 disputes to Equifax regarding late payments on my report that are not accurate. I submitted letters via certified XXXX mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Each letter requested them to investigate, and my statement was : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Following each letter Equifax responded with an updated credit report, with each account status listing : THE CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. 

Each of the 4 letters was responded to in a way that they failed to respond to my request at all : 1 ) I was not disputing the current status ; I was disputing the erroneous negative payment history ; and - 2 ) No prior payment history was updated at all. The erroneous negative payments are still showing, and they have provided no proof. 

My dispute letters are attached.
Complaint sub-issue: Information belongs to someone else

I am writing this letter in order to inform you officially about identity theft. I had a good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. I do not recognize these accounts in my credit report now. The fact that numerous accounts are suddenly on my credit should make it obvious that these accounts are not mine and never were. Please remove these accounts from my credit report.
Complaint sub-issue: Account status incorrect

Ive called multiple times XXXX XXXX with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to Equifax theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible
Complaint sub-issue: Information belongs to someone else

I have attemped to resolve this is sue with Credit Reporting Agencies and the comp anies included in my complaint.   Approximately 18 months ago I started receiving delinquent noti ces from I.C. Systems, INC.  {$890.00} and  XXXX   XXXX   XXXX  {$99.00} that 's located in Washington State for accounts opened in  XXXX  and  XXXX   XXXX  respectively. I advised them that I 've never lived in or visited Washington  State.  My son by the same name and obvious ties to my address was stationed in the  XXXX  there. I was advised in early  XXXX  by th e I.C. Systems INC.  and  XXXX   XXXX   XXXX  that the matter would be resolved and taken off my credit record.   AS of  XXXX   XXXX ,  XXXX , the incorrect information has not been corrected and continues to negatively effcet my credit history and score. Please advise.      XXXX   XXXX   XXXX
Complaint sub-issue: Personal information incorrect

I have submitted letters to all three credit bureaus, Equifax, XXXX and XXXX asking that they update my name, address and place of employment that is reflected on my consumers report. I have submitted letters to all three credit bureaus multiple times. The first set of letters were submitted XX/XX/XXXX, the second set were submitted XX/XX/XXXX and the third set were submitted XX/XX/XXXX. The bureaus are continuing to report false inaccurate information.
Complaint sub-issue: Old information reappears or never goes away

I found out I am an identity theft victim by three major credit agencies on XXXX! I try to deal with the banker to explained that someone opened up several account in different bank without my permission. My credit score dropped very behind because someone elses illegal behavior
Complaint sub-issue: Public record information inaccurate

Fed Tax Lien is reporting that has been released
Complaint sub-issue: Was not notified of investigation status or results

I sent out several letters in regards to a few accounts reporting on my credit report that did not look accurate. I asked for them to review everything and confirm these accounts that I'm not familiar with. I have not heard anything. 

I sent a letter on XX/XX/2021 and XX/XX/2021 these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I made a payment of {$760.00} to the United States Department Of Education loan provider Great Lakes. Which was posted XX/XX/XXXX. The reasoning of this complaint is do to the fact that I currently have reviewed my credit report for XX/XX/XXXX. Understanding the credit report is inaccurate stating I owe a stagnant debt of {$760.00} to the Department Of Education for a federal loan. Do to the provider of Great Lakes company incompetency and failure to report my payment to the credit bureau agencies .I have a bank statement providing the evidence of my complaint and asking may this problem be rectified please. 

Great lakes contact number XXXX XXXX XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

There are over 70 credit inquiries on my credit file with XXXX, equifax and XXXX  and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.
Complaint sub-issue: Reporting company used your report improperly

This is a written notice to ceo XXXX XXXX, concerning the legal fiction Equifax, Equifax Card Services, and Equifax Information Services I as the consumer, the agent and representative of XXXX XXXX am invoking my right of rescission. My information has benefited off of without full disclosure, it has not benefited me and has been dishonorable. I am revoking all signatures, endorsements, and consents there of.
Complaint sub-issue: Account status incorrect

We started our lease with XXXX XXXX XXXX in XX/XX/XXXX on a XXXX XXXX XXXX. Initially, their promotion was that XXXX will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted XXXX to make sure they would make the first payment. XXXX claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with XXXX XXXX XXXX ( they have documented comments ) and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days ) payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming XXXX made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with XXXX as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with XXXX? Thank you.
Complaint sub-issue: Other problem

It was Sunday, XX/XX/2021. I had read through some card offers, through my XXXX  online account, after checking my credit score. ( which was XXXX XXXX. I seen DISCOVER was offering a pretty decent one for 11.99 to 22.99 % variable APR w/ no annual fee plus 5 % cash back on certain purchases per a rotational basis, 2 % on gas and dining out and 1 % on everything else. So I unthawed both my XXXX  and XXXX  accounts temporarily, XXXX  because the offer was seen originally through their site and XXXX  because that's where it was stated in their terms they ran the credit check, and applied online. About 60 seconds after applying I was approved for a {$500.00} credit limit with the payments being due the XXXX of every month. I was informed that i should receive my new card in 5-7 days. Two days later I get a suspicious email from " verification services '' ran through XXXX  XXXX who I didn't unthaw nor gave any type of permission to share any of my info with anyone ) requesting two years of tax returns by e-signing a 4506-C document. It further stated in the email that DISCOVER was the one requesting the information AFTER I had already been approved. So i called DISCOVER customer service and spoke to a lady there and she said there was absolutely no record of verification services at DISCOVER requesting that info, and that i should not click any links within that email. she said my account was approved and everything was fine. There wasn't anything else there. So a bit relieved I just went on about my business. That is until I received a second email from that " VERIFICATION SERVICES '' requesting the same information again. This time I called the number on it. It was DISCOVER and it was them requesting 2 years of my tax returns. I asked the woman on the phone why they needed two years of tax returns for a simple XXXX credit limit and why this info wasn't requested during the application process and before the approval process if actually a requirement. She DID NOT answer either of those two questions. She just kept apologizing, but at the same time told me that they request the information with and from existing customers. I was a new customer that NEVER had a card with them before. Still finding her inability to answer my two previous questions and being dodgy made me very suspicious. So I told her to just close out the account i had just been approved for and that i would be filing a complaint with the CFPB. And here I am.
Complaint sub-issue: Trouble with how payments are being handled

My total loan was {$16000.00} - disbursement began  XXXX  and completed  XXXX . I started making payments in  XXXX . I called a couple years ago to go over payments and when my loan would be paid and was told it would be done by  XXXX . My loan balance has not changed much in the past 12 years and they show I still owe  $ 9000+  I 've requested 3 times a print out of my payments and each time they only provide from  XXXX  and  XXXX  but will not provide me with  XXXX . I ran my loan in an amortization schedule and this should have long been paid for. I 'm getting no where with them and I know this should have been paid in full by now. I feel like they have me backed in a corner and are ruining my credit.
Complaint sub-issue: Card was charged for something you did not purchase with the card

There were unauthorized charges used on a home depot card in the month of XXXX that totalled over XXXX. XXXX XXXX sent me a text asked I'f id tried to purchase something and I advised no. The next day fraud dept called and we canceled the account. They told me charges never went thru so they issued a new card. They never told me about the other charges that were charged to my account that they allowed so I called them in XXXX dispute those fees. XXXX case was opened and until today they say I'm responsible for fees I never purchased at there store.
Complaint sub-issue: Personal information incorrect

I recently discovered that I'm a victim of identity theft. I pulled my credit report and noticed that I had several addresses on my credit report that I have NEVER lived it
Complaint sub-issue: Information belongs to someone else

I took a look at my credit report and I saw accounts being report inaccurate and is hurting my credit score
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/18, I test drove a car at XXXX XXXX in XXXX, MA. Without my permission, they ran a hard inquiry hit on my credit. They ran it 6-7 more times on Monday, XX/XX/18. I did not give them verbal or written permission to do so. They are also being investigated by DA office for unfair and deceptive practices. They said I couldn't buy a used car from them if I didn't use their financing at a higher rate than the financing I had through XXXX. They are breaking the law on both counts. 

When I called XXXX XXXX, the Sales General Manager ( the one responsible for all of this ), he said he can do whatever, however he liked, and run his business any way he wants, even after being informed that these things were illegal. 

The hard inquiry hits to my credit has brought down my score and jeopardized my ability to get competitive financing.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX I attempted to obtain my free annual credit report from Equifax. The company responded that it was not able to deliver my report online. The exact same thing happened the last several times I attempted to retrieve my Equifax credit report. In XX/XX/XXXX I provided the company with the requested identity documents by mail and did subsequently receive the report. The online questionnaire was completed correctly in all instances, and the company has never provided me with any explanation as to why it refused my online request. I have attempted to contact the company by phone but could only reach automated responses. I have not had any problems with online access from the other two reporting companies, only Equifax.
Complaint sub-issue: Fee problem

PNC Offered and advertised a new account bonus of {$300.00} for {$5000.00} in deposits. Deposits were met and numerous customer service individuals assured bonus would be paid within 90 days. Contacted PNC now 100 days later and the bank has noted that I was previous customer so ineligible. However, I was a XXXX customer BEFORE the merger of the two companies and opened the PNC account BEFORE the merger. PNC is refusing to pay bonus in contravention of their own agreement and advertising.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have pages of inquiries that was not me and breached data showing up constantly using my email and other personal information alerting me that its showing up on the dark web also I am now dealing with a huge problem with my account through XXXX that I pay for to access all three credit bureaus was hacked and it took me forever to get back into it and I had froze and locked all accounts they were all unfrozen. I have never filed for unemployment and now received a statement from workforce wv from the IRS of file taxes stating someone claimed {$11000.00} using my information and have never filed for unemployment. I will filing police reports due to this
Complaint sub-issue: Deposits and withdrawals

This all happened on Saturday XX/XX/XXXX. 

Somebody changed the phone number on my account and then made a bunch of instacash advances of {$100.00} and then paid it back using my linked debit card and then took out a bunch more advances and then did that once more. Over {$1700.00} in advances were made and over a XXXX dollars of it repaid from my checking account. I called and reported this right as I saw it. 

After getting off the phone with the support lady I saw an email that said the phone number on my account XXXX was used to connect to a DIFFERENT account and was then disconnected from MY account. I told the lady on the phone several times that that was NOT my phone number. So why, after I reported this was this phone number allowed to connect to another account?! How is that not flagged as suspicious activity? I have been unable to change my phone number back until today, XX/XX/XXXX. I was told that you cant change your phone number twice in one day for security measures. Well how about instead of that, you use two step authentication to change anything? Something that isnt offered with this service, and if it is I havent been able to find out how to use it. 

I have so many questions. After this person changed the phone number and then immediately after started making multiple large instacash withdrawals, why wasnt that flagged as suspicious activity? And after they paid back the advances and then made MORE advances, why was that not flagged as suspicious activity? When they used all of the advanced funds to make two large purchases from a place in XXXX XXXX WHY WAS THAT NOT FLAGGED AS SUSPICIOUS ACTIVITY? And why, after I called to report this fraudulent activity, was my virtual card still active? 

I spoke with a woman from their fraud department directly after I saw all of this and reported it to her. That was also on XX/XX/XXXX. I called and spoke with her at XXXX [ EST ]. Nothing was done then nor could anyone tell me what was going to be done. This person took thousands of dollars from me and made a bunch of cash advances in my name. This is very clearly fraud. The area code of the phone number they used when they changed the phone number on my account didnt even match the state that I live in. There were so many red flags that their system should have detected.
Complaint sub-issue: Account status incorrect

There is a account that is listed inaccurately on my credit report for  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and Equifax have the account listed as Charged OFF when this account was fully paid through agreed judgement in  XXXX   County Court . I have attached a copy of the  XXXX   XXXX . There is a error please Delete the misinformation.   This is a notice of dispute pursuant to the Fair Credit Reporting A ct ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section
Complaint sub-issue: Trouble with how payments are being handled

Fedloan servicing automatically processes any overpayment into a pre-payment bucket that reduces the next month ( s ) payment. This ensures the consumer receives no principal reduction or any benefit whatsoever from making larger monthly payments to reduce the time and interest expense. Also, the only remedy they offer is to remove the pre-payment option. However, you may find that they reinstitute it a year or 2 later because the removal was not 'permanent '.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Had a car financed through Autotrakk in XX/XX/XXXXfor {$18000.00}. Paid majority of balance with a perfect payment history with {$710.00} balance remaining in XX/XX/XXXX. Had some financial woes due to illness. Tried to work with company to pay off balance, they repossed car without warning. Company who collected the car towed the car on two wheels with no key and wheels locked. Car was taken to a city 2 hours away from where I live which prevented me from getting my possessions out of the car. They sold car without my knowledge or even informing me so I could never get my things. And instead of subtracting the profit of the sale from my balance, they increased my balance to show {$1500.00} owed on my credit. Recent call on XX/XX/XXXX with rep XXXX confirmed the accurate balance of {$710.00}. But each time I tried to dispute balance on my credit they made no changes or correction to the balance. Paid off account for {$380.00} on XX/XX/XXXX. But I'm sure car was sold for more than what my remaining balance was amd they never gave me the opportunity to get my car back when they initially took the car! That was unfair and should be corrected.
Complaint sub-issue: Reporting company used your report improperly

The recent Equifax hack ( XXXX-XXXX 2017 ) potentially leaked all of my most valuable personal information online. I would like to know what steps will be taken by Equifax to right this wrong. I would also like to know Equifax 's legal culpability in this event. For example, I am held accountable for how the information in my credit report is used, including if it is stolen. I expect the same from Equifax and view this as gross misuse of the information they have been entrusted with. My social security number is issued by the US Government and therefore I am also curious as to how they will be involved in this investigation. I personally believe the entire social security number system has been invalidated by this leak and this will be an expensive problem to fix, the responsibility of which I feel belongs to Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the XXXX XXXX and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.
Complaint sub-issue: Need information about your loan balance or loan terms

Hello, I've worked with XXXX XXXX XXXX for my student loans. My question to the company is how many payments that I've made qualify for Public Service Loan Forgiveness. I've contacted the company by phone and email many times to get a printout of what payments qualify and don't qualify for public service loan forgiveness. This has been going on for over a year and a half. I believe I'm getting close to student loan forgiveness, but can't get any information about how many payments of mine qualified or don't qualify. I appreciate your support in this matter.
Complaint sub-issue: Debt was result of identity theft

Im trying to make this simple .on the date XX/XX/XXXX and XX/XX/XXXX I receive 2 colect bills from you now! In telling yo this debt was result of identity theft Im going to provide you a police report and mi right and legal documents to prove it I want to know how you can collect a bill in my name without the right documents Im filling up a report to this company be cuz I never have any service from you or you originally colect person company.. I will go to the bottom line in this matter yall can follow this with the XXXX county police dept
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act these accounts presented, have 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. 


XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX, XXXX Account XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX, SC Account # XXXX .... 
XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  Account # XXXX .... 
Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, SC XXXX