Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax was subject to the largest data breach in history and my personal information is now compromised.
Complaint sub-issue: Information belongs to someone else

The report includes the names of three people ( myself, my brother and my father ). As a result various credit cards, car loans and other items are listed under my report. Each individual has of course a separate unique SSN making this error hard to understand.

I tried to file a complaint with Equifax directly, yet the company seems unable to resolve the issue and my account is put on hold. The obvious problem is that without access to my credit report, it is impossible to verify the items on it and file a request to correct such items. These items are equally required to verify my identity, yet are not related to myself in any way. It essentially becomes a circular reference which the company is unable to resolve.

At the core, I am only trying to finalize my name change after my recent marriage. Unfreezing and updating my credit report is required for my SSN name update. The whole situation is just incredibly stressful and entirely cause by ( likely human ) error on Equifaxs end. 

Considering the ongoing problems with Equifax and the apparent inability of the company to manage its IT infrastructure, any help from your end to resolve the issue. 

Thank you, XXXX
Complaint sub-issue: Debt was result of identity theft

Please remove all accounts listed my information was compromised in a Data Breach. This debt has not been validated.
Complaint sub-issue: Reporting company used your report improperly

Issues of unknown inquiries made by 3rd party companies, or credit checks ran without my consent. 
Name : Date : 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/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. XXXX/XXXX/XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent in a dispute XX/XX/2020, and on XX/XX/2020 I sent a letter requesting a response being that it has been over 30 days without them communicating back to me. I called Equifax XX/XX/2020 asking them where was I in my dispute process and the Equifax representative told me they just started the dispute XX/XX/2020.
Complaint sub-issue: Debt is not mine

I have been receiving calls for a few years now about a " loan '' that I took out. No one will provide me in the mail with any information, other than this case is now in " legal ''. Incredibly aggressive tactics, AND the story, most notably the date of when this loan was taken out has changed numerous times, depending on what company calls. Most dates seem to be in the XXXX to XXXX range, however, I am given an address that I have n't lived at since XXXX and an employer name I have n't worked at since XXXX and a XXXX ( I have never banked at XXXX ) This new company seems to have my current address and made an insinuation that I am " hiding '' something when I refused to provide the last XXXX of my SSN or Verify my address. I do n't know this company and I do not owe ANYONE any money, so I am a little bit nervous about sharing personal information over the phone to someone aggressive, ESPECIALLY when internet searches of this company reveal some pretty bad information, including their previous name of XXXX, who was seemingly sued multiple times for poor debt collection practices. They have also called my wife on her cell phone. I just want this to stop, I am not paying anyone, anything. I get up, go to work everyday, have good credit, and am a good person, I just wish these people would actually go and make an honest days living, instead of this. Thank you!
Complaint sub-issue: Called before 8am or after 9pm

XXXX XXXX from XXXX XXXX XXXX called repeatedly before XXXX XXXX  on XXXX/XXXX/2017, even after telling her not to call again. She called my personal phone at XXXX XXXX, XXXX XXXX and XXXX XXXX. She did not identify herself as a bill collector and did not state that I was being recorded.
Complaint sub-issue: Reporting company used your report improperly

Please be advised that this is my SECOND WRITTEN REQUEST for them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You 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 your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification like I asked?

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You 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 you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Creditor 1 : XXXX XXXX XXXX  * Please remove all non-account holding inquiries over 30 days old. Also and place a suppression on my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX and XXXX The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX will not remove this false statement of XXXX. XX/XX/2016. I was with XXXX at the time and I asked XXXX for a quote and I never accepted their insurance so they billed me for the quote. I want this removed imediatley
Complaint sub-issue: Trouble with how payments are handled

I submitted a payment in XXXX 2016 for {$2500.00} that I intended to use towards my student interest deduction on the 2016 taxes. Earnest, my provider, did not process the payment and has admitted fault for the error. I have asked Earnest to pay me the deduction amount since I can no longer make the claim on my taxes ( I had no other student loan payments in 2016 ). They have refused to do so.
Complaint sub-issue: Didn't receive services that were advertised

This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS
Complaint sub-issue: Information belongs to someone else

XXXX XXXX of Delaware has negative reports on all three credit reporting agencies. I was a victim of identity theft in 2009 and I never had a credit card with them. The identity theft was reported to the authorities.
Complaint sub-issue: Can't decrease my monthly payments

I pulled out a private loan around 2006 for $ XXXX it is now doubled to $ XXXX. I was never told it was a private loan, I thought it was a federal loan. Now my payments are about {$400.00} a month too much for me to handle and my balance is n't even decreasing after paying for over a year. I 'm trying to work with the servicer but they are not giving me any options. I would like a lower payment and interest rate where I can actually see my balance decreasing.
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't decrease my monthly payments

The CEO of Discover Financial will not return my emails. I tried to consolidate my high interest loan but they will not approve me. I have excellent credit and they wo n't work with me to lower the interest rate. I will end up defaulting pretty soon.
Complaint sub-issue: Problem during payment process

Several issues here : Issue # 1 : I submitted payments latest one being XX/XX/2019 in the amount of {$1500.00} to Discover via the android app. My payment was taken from my bank and applied to the card but the card did not reflect the payment. I called discover to inquire about this and they said they had to " call the bank for verification the funds were sent '', I have an outstanding payment history with Discover and have NEVER missed a single payment. I use my credit cards to avoid Fraud potential issues on my bank card. When they lock my card down for 8 days ( to call the bank ) it creates hardships as I am scared to use my bank card at gas pumps. I have never heard of a company having to call the bank to get fund transfer verification. This has happened twice now both consecutively. They refuse to unlock the paid amount with the first tech and I always have to ask for a supervisor. I have NEVER seen any credit card company do this. This happened previously in XXXX, after 4 days I had to contact Discover to find out why my card was still locked, I was NOT waiting that long this time. If the money cleared my bank the funds should be available. 

Issue # 2 : When I originally opened this card with Discover it was secured due to poor credit history from my ex-wife. I was told my card would graduate in 7 months if I had a great payment history which I do. on the 7th month I called in to see if it graduated, I was told the initial graduation was 8 months. I called in XX/XX/XXXX which was the 8th month, they told me it was 7 months and did not graduate. I have made every single payment, sometimes 2-3 a month on the card, it has been 10 months and I am still on a secured card. I see many complaints online in regards to them not releasing deposits back to people but still qualifying them for a {$5000.00} un-secured card. When I inquired about paying off my account and closing it I was told it would be 70 days until my deposit would be refunded. If I have the account paid in full, deactivated where no more charges can hit it and I met my contract obligation my deposit should be released immediately ( yes I know it could take a couple of weeks to write a check and mail it ) but they are refusing. I feel like this is fraudulent actions on Discovers part as I was not notified of these things during the initial setup of my account.

I asked for a corporate number to Discover and was denied such rights. The customer retention department was very short and did NOTHING to calm the situation except offer to cancel my account as they said they were sorry to see me go ...
Complaint sub-issue: Debt is not yours

ERC, a Debt Collection agency has an agreement with me to collect {$50.00} per month to pay a debt I owe. In XXXX on the XXXX they charged me {$50.00} from my bank account and then on the XXXX the same. 
Payments were to be made on or about the XXXX of the month and have been like that since XXXX. In XXXX was charged 2 times by this company. 
Once on XX/XX/XXXX and once on XX/XX/XXXX. 
I have attempted to speak to someone at ERC but have been hung up on numerous times, laughed at, transferred to dead end lines and finally given the presidents number only to find his voice mail full. 
When I called back about this I was to keep calling it till someone picked up. 
They refuse to put me in touch with whoever might be able to help me. 
I am on a shoestring budget as I am XXXX and unable to work, so an extra {$50.00} is kind of a big deal.
Complaint sub-issue: Investigation took more than 30 days

I've been disputing these inaccurate items on my account long before, and until now, no response from the three bureaus and creditors themselves. On XX/XX/2022, I filed a dispute again with the three bureaus concerning several incorrect items, but it had been a month already still got no response. They still trying to collect me with these amounts of {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inaccurate manner.
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX  wrongfully applied the annually-recalculated, monthly Revised Pay As You Earn ( REPAYE ) payment for my student loan. As I am in repayment and on the REPAYE payment plan, I should make 12 monthly payments before my payment is recalculated. XXXX applied the newly recalculated payment amount for this year one month early. Instead of 12 monthly payments at the old payment amount, I made only 11. When I called XXXX and brought this to their attention, XXXX said they would look into it. That was over two months ago and I still haven't heard from them. By wrongfully applying recalculated amounts early, XXXX is in effect overcharging student loan holders. Correctly handling student loan accounts should be XXXX 's foremost priority. It appears to me XXXX is failing in handling this responsibility. Please look into this for me. Thank you.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and found the following item ( s ) to be errors
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I contacted Commerce Bank multiple times in the months of XXXX and XXXX to speak with a representative regarding my Covid-19 pandemic related financial hardship. I was only ever able to get in contact with a collections agent, and that individual refused to let me speak with anyone else. I was told multiple times that a manager or  supervisor would return my call, buy nobody ever has. The collections agent, who was not a manager or supervisor, was not willing or able to help me with my account. 

I was attempting to request additional financial relief, as Commerce Bank had previously extended me a period of payment deferral in regards to the Covid-19 financial hardship. I have also been experiencing hardship as a result of living in a FEMA Designated Disaster Area from a Tornado that occurred at the beginning of the Covid-19 outbreak. I was calling Commerce Bank to request an extension of the deferral, or explore any other options they might have had for a person in my position. Unfortunately, they do not appear to be staffed to handle consumer issues in a manner compliant with federal banking regulations. 

Additionally, the terms of my original payment deferral period was supposed to extend through the month of XXXX, but either this was not honored or I was improperly informed as to the length of the original deferment, as it appears to have ended in XXXX. Consequently, Commerce bank has engaged in negative credit reporting. I have tried to contact them to get this corrected, because it is not fair to hold me accountable to terms that are different than what I originally agreed to when the deferral was offered to me. 

I do not think it is unreasonable for me to be requesting a payment deferral in light of the current economic crisis, and the banking industry is largely in agreement with me, as evidenced by the much more generous terms that have been extended to me on accounts I have with other major financial institutions. 

I also think it is very problematic for a company to not even be willing to discuss the situation with me, this is very unreasonable, and probably illegal in the financial services industry.
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. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax : This letter is in response to your claim that XXXX XXXX ( XXXX ) verified that thepayment history that they are reporting is accurate. Equifax has allowed XXXX XXXX to report a 60 day late for XX/XX/2016 which is inaccurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

I have  a citi professional c ard on my name I don, t have a company and des pite the law from 2009 to apply payment to the higher rate balance I realize now they are doing to the lower. I called them but they told me it is not for this kind of card because it is a business credit card!!!! I read the law and nowhere I found difference for holder.
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to get a home loan, but my lender told me that they received a fraud alert notification on just my Equifax, the other bureaus released my credit with no issues. I contacted Equifax for the first time in XXXX. On XX/XX/2020 I called Equifax about the issue and they said that I do not have an account with them, or they do not have my correct information. So I sent my driver 's license, social security card, and current address with a cover letter explaining that I wanted to verify my identity and remove the fraud alert from my account. I received a letter XXXX XXXX from Equifax stating that I still do not have a file with them and it could be because I have not had a credit line.This is false because I have a car loan from XXXX XXXX XXXX XXXX XXXX and I have student loans. I called them again on XXXX XXXX to see what else I can do, and they said to call my bank and make sure they are reporting to Equifax. I called my bank on XXXX XXXX and a representative told me that they do report to all three credit bureaus including Equifax, they also sent me a letter confirming my car loan and on time payment history. Equifax says there is nothing they can do because I have no credit file.