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

On or about XX/XX/XXXX I was notified by my lender that two tax liens from the State of XXXX appeared on my credit report. The Equifax credit score was XXXX. The tax liens were paid and released in XX/XX/XXXX. I filed a dispute with Equifax. On XX/XX/XXXX Equifax notified me in writing that the dispute had been investigated and completed. The results were that the tax liens reported on my report was updated report satisfied/released. I asked Equifax if they would contact the lender to update the report and credit score. Equifax stated that they could not contact the lender, who pulled the credit report, nor could they give me the new credit scores without paying {$7.00} and waiting 7-10 days for the score to be sent via us mail. The Equifax credit agent told me to have the bank re-pull the credit report to see the updated information. The bank re-pulled the credit report and discovered the following ; 1. The credit update was only made to my report and not my wife 's report as requested. 2. The credit score went down from XXXX after the two tax liens were removed from the report. I made several attempts to gain an explanation and get the credit scores to reflect the removal of the negative information, to no avail. Equifax stated that when the bank re-ran the report, as they requested the bank do, the credit score went down. This makes no sense. How does a credit score go down after negative information is removed?
Complaint sub-issue: Billing problem

In XXXX of 2017 I spoke to a representative about how payments were applied. She stated that any money received would be applied to the monthly payments and nothing would be applied to the late fee balance until the end of the loan. <P/>On XXXXX.2017 I made a {$250.00} payment to cover my XX/XX/XXXX bill and some extra to cover my XX/XX/XXXX bill. The payment was misapplied. {$83.00} was applied to late fees instead of being applied to my XX/XX/XXXX payment. <P/>I contacted Ally Customer service in XX/XX/XXXX to reapply the additional funds towards my XX/XX/XXXX payment. I was advised that it would be taken care of and to wait 48 hours. I contacted customer service again a week later and I did not see it reflected on my account. I was advised that it would be taken care of. On XXXX.2017 collections contacted me advising about a past due balance. I inquired about the reapplying of the {$83.00}. It had not yet been applied correctly. He said he would process it but that I should call back on Monday to verify. Earlier this week I received another call from collections, I called back and asked to speak with a manager - after being put on hold for 10+ minutes the call was dropped/disconnected ( not from my end )
Complaint sub-issue: Problem during payment process

Initiated a {$500.00} bill payment to Discover on XX/XX/XXXX on their app to pull from XXXX XXXX. Payment posted on XX/XX/XXXX with Discover. Was showing pending from XXXX XXXX. Payment returned some time during the night between Tues and Wed morning before I woke up. Finally got an email from Discover fri night saying your bank informed us they could not locate your account. The XXXX XXXX account has been around for several years and their bill pay has been from the same account they couldnt locate according to Discover. 
Another issue that thur. A {$400.00} bill payment to Discover over the phone from the same XXXX XXXX account was put on hold. Well another issue with giving them my money within 5 days. 
Discover is hiding behind their name and their agents canned and robotic type responses. And they make me out to be the problem? Ive never ever had a return in full of payment quite anybody unless Im returning a product. And then the hold mess too.
Complaint sub-issue: Information belongs to someone else

equifax failed to remove the following from my credit report can youi please look into it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

This debt was transferred to a collection agency not licensed to collect in Maryland. I am a Maryland resident.
Complaint sub-issue: Personal information incorrect

My personal information is wrong as well as accounts listed with incorrect factors across all 3 bureaus
Complaint sub-issue: Personal information incorrect

In or around XX/XX/2008, a utility company in XXXX XXXX, NV, where I had never lived, sent me a letter saying I owed them money for a utility bill. The company had my social security number, so I reported Identity Theft to all 3 credit reporting agencies. I filed a police report where I do live. They refused to change the erroneous information, and still report one of my previous addresses as the one in Nevada. I don't even know anyone who lives or lived there. In this complaint, there's a request for documents, however, since this is an Identity Theft situation, what documents would a person actually have? 

This is totally wrong, and shows their lack of concern for bona fide identity theft reports. They are one of the reasons so much of it occurs, because they make it so hard for decent people to correct what XXXX have done to hurt us.
Complaint sub-issue: Trouble with how payments are handled

I have repeatedly requested that all over payments get applied directly to principle, but my loan servicer, Nelnet, continually advances the due date. Then they tell me I do n't know how payments work. I then have to educate a willfully ignorant rep on how compound interest works, and advancing my due date is not in my best interest.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 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 or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome 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 : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : 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 addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.
Complaint sub-issue: Reinserted previously deleted info

I went through XXXX to dispute my credit reports with XXXX and Equifax. 
XXXX removed a credit card account that then showed up on the Equifax report, which was n't there before. The credit card dispute is for a XXXX account that was closed in XX/XX/2004. 
I called Equifax directly to dispute both employment information and the credit card account. They told me over the phone that they could not remove it. I filed this complaint. I also called XXXX directly and requested they contact the reporting agency to tell them to remove it. XXXX stated it could take up to 20-30 days to see any changes. They stated they would contact XXXX reporting agencies to resolve my issue. 
What I learned today, is consumers must call the creditor and have them authorize and demand removal of the credit discrepancy if the reporting agency is unwilling to do so. Otherwise there is a large law suit and call for consumer action activists. 
The problem with the employment information is there is no automated selection or choices to remove old employment information. This needs to change. 
I have now spent an entire day to clean up my credit report. 
I do not have the file associated with this account because it is so old I destroyed it. XXXX still had me on their system. Unbelievable. I was also just told by a XXXX agent that they are required to keep report our accounts for 10 years, yet web site stated it is only 7.5 years. WHO is RIGHT? What is the time credit reporting time frame for our information?
Complaint sub-issue: Received bad information about your loan

I have been enrolled in an Income Driven Repayment plan for over 10 years and submitted to have my payments assessed to confirm they qualified for the Public Service Loan Forgiveness program. I originally submitted the certification form in XX/XX/XXXX. XXXX XXXX determined that 0 payments qualified from XX/XX/XXXX to XX/XX/XXXX ( payments should have started counting in XX/XX/XXXX ) without providing any reason or documentation as to why not. I called customer service on XX/XX/XXXX to try and determine why the previous 8 years of payments would not qualify despite being on an IBR plan, making auto-payments ( on time ), and working full time for XXXX XXXX the entire time. After being transferred to a supervisor, he appeared to agree with me ( though could not confirm directly to me ) that the previous payments should be qualifying. He said he would put in a new request to review and make a note of what he thought and to a note to try and expedite the process. I have called periodically with customer service not being able to provide any updates on the status of that review. It is now XX/XX/XXXX, 9 months later, and well past the the original estimated 45 days to get any sort of rationale as to why those payments shouldn't count. With the introduction of the Temporary Expanded PSLF program there is a possibility I could apply for forgiveness as early as next month but I still don't know the status of the payments I've made.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Complaint sub-issue: Information belongs to someone else

I am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, XXXX/Equifax and XXXX are XXXX in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.
Complaint sub-issue: Debt is not yours

Collection Company attempting to collect a debt that is not mine, That's Identity Theft and Fraud.

Collection Company They co

mmitted more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations.

Each of credit reporting agencies has a different amount of the alleged debt on my report, ( misleading information ) And Collection company has a different amount as well {$950.00} Interest due {$130.00} Pursuant of 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Also they sent me a letter refusing to investigate the account.

I will invoice them for each violation ( illegal activity ) If they don't take care of this matter.

I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I need them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 3 An Audit trail Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in my state. Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA I have never give XXXX, XXXX, XXXX a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

No consent is Identity Theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXXXXXX XXXX Balance : {$8600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}
Complaint sub-issue: Other problem getting your report or credit score

I have been having issues with Equifax since XX/XX/XXXX with obtaining a copy of my credit report and updated score. Any Lender, Creditor, and Myself are not able to pull a copy of my credit report with score. For Example, XXXX XXXX XXXX says my report is blocked. XXXX says " No information found on credit file " When i login to my Equifax account it displays no accounts, no names, no updated credit score. I have called Equifax numerous times after times with no results, but resulting into runaround. A case was opened to supposedly fix the issue. Still not fixed. That case # was XXXX. Some lenders says I have no credit. I have attached a copy of my summary from Equifax from XX/XX/XXXX that displays which is now outdated inaccurate information now as its now XX/XX/XXXX as there have been new accounts, new limits, and or different creditors. XX/XX/XXXX says Blocked for Promotional Purposes. On XX/XX/XXXX Credit file status says No Indicator on file. Also, that summary shows absolutely no accounts, no credit at all. I expect this to be corrected and updated immediately. I have put up with this for 6 months now with no results.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has on my credit report from what i can see a XXXX  acct ending in XXXX i have attempted to dispute this account as over 7 yrs old and when i file a dispute it updates their system as date last reported as todays date starting the whole 7rs wait over again. then when i spoke with their representative i was advised 2 things first i was told i have 2 accounts which i dont see 2 on my report then i was told that it was part of my bankrupcy which it never was since the last reported payment was XXXX. is account may have been back in XXXX but its been closed for over 12yrs and i want this report remove from my credit report immediately
Complaint sub-issue: Debt was result of identity theft

My name XXXX XXXX XXXX. I am disputing the following information on my credit report. 
XXXX {$240.00}. My personal information was use to open up a XXXX cell phone account i have file a police report XXXX # XXXX
Complaint sub-issue: Debt is not mine

Last year in XX/XX/XXXX, Enhanced Recovery company sent me a letter trying to collect on an XXXX debt. I have never used XXXX so I contacted them asking them to verify the debt was correct. They have never sent me anything. I called XXXX trying to find out anything, and they cant find my name anywhere in their systems. They sent me to the fraud department to investigate further, and nothing. I am no where in their computers. I asked XXXX if they could send me a letter stating that, and they told me they have nothing to send me since I have never been in their system. I wrote a letter then to the collection agency responding to this account, and they have never contacted me. I called them back and they know nothing about the letter and told me I need to pay my bills and questioning my character ( in not so nice words ) I am so frustrated to be in this catch 22, I heard you would help me! The story continues. Now the same company showed up on my credit report this morning. ( I am monitoring my credit now ) This time with a direct tv bill. I did have a direct tv account, but it was paid in full and the box was mailed back. Seems really convenient that this would come up now. I am almost in tears. I am trying to purchase a home and this has completely stopped me in my tracks. My loan officer says to dispute and have them deleted in order to qualify, and I have no where else to turn. How can they do this!!??
Complaint sub-issue: Card opened as result of identity theft or fraud

Credit Card was issued from PNC Bank and it was used without my knowledge. My SSN is : XXXX
Complaint sub-issue: Frequent or repeated calls

I applied for Hardship for my mortgage. It is currently in forbearance until XXXX but in the meantime I have submitted my application for Hardship. The application and follow up requirements were provided to the credit analyst. However my case was closed without a credit decision being made. The credit analyst has not read or understood the information provided, actually they ignored the information provided and just worked on a checklist. My observation is that I was not given a fair resolution to the hardship application and they want me to start the process over again. The information provided including signed documents from me and the contributor, which is my spouse. The XXXX in charge of the case XXXX has also not read or understood the information provided and did not add any value to help the credit analyst in this scenario. I received a voicemail from the XXXX and within 24hrs she closed the case not giving time for me to respond.
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : OPENED XXXX, XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX opened XXXX {$250.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX/2017 I called Equifax to have a number of addresses and phone numbers I did not recognize a 's being any that I have lived and phone numbers that I do not recognize as being any that I have had since having a phone and I was hung up on. I called back and was told after 45 minutes of holding that they could not dispute this information for me.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax requested id info for the third time.