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

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX Account Number : XXXX this company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Complaint sub-issue: Debt resulted from identity theft

XXXX bill I do not oweXXXX bill made in my name at a third party store.The address XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX. I do not live there my information was stolen.I send in a police report identity theft too XXXX last year on this same bill I talk the people at XXXX about this XXXX for over a year it was taken off my credit report in XXXX 2015 and this company put it back on enhanced recovery company. so please contact me so ... we can make arrangement to get it off my credit .thank you
Complaint sub-issue: Information belongs to someone else

I tried to contact all the lenders involved with negative balances reporting on my credit report even though they do not belong to me, They sold off the accounts and they said to call XXXX and dispute saying they can't do anything. I would like all these negative collections removed because they are not in my name and I have no recollection fo opening nay of these accounts.
Complaint sub-issue: Old information reappears or never goes away

Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXXI requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of NELNET. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.
Complaint sub-issue: Problem with personal statement of dispute

They claims to not have the information to verify my identity. I have sent copies of my birth certificate, drivers license, social security card and a copy of a bill that shows my current address. I have sent this information on several occasions. I have spoken with someone at equifax to verify my identity. I ask for copies of the original documents that were filled out when the account was opened. They respond with, we can't verify your identity. At the same time, they send me letters telling me that they can settle the account for a reduced amount.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I sent a letter to US Bank to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing US Bank to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX i made a XXXX payment to my Citibank XXXX XXXX XXXX card, which i was making an early payment. I called over the phone with my debit card from XXXX  XXXX XXXX clerk indicated payment had gone through and they indicated that that form of payment is instant. Later the next day i didnt see it removed from my account i then made another payment of XXXX. In XXXX i received notice that my account was being closed because i had a return payment that of the XXXX. I called Citi bank and they said they couldnt do anything since they said my payment was returned. They advised to send a letter with proof to Citigroup office of the president XXXX  XXXX XXXX XXXX, Sd XXXX. I did send a letter and documents showing that my bank account had those funds. I waited a month and called back and they said they never received it. I sent it back again by their instructions. By then it was already XXXX and there response was that they couldnt do anything because time had already passed for me to reopen an account. I then further spoke to XXXX at that office of the president and advised her that my bank there was never an intente of taking that XXXX out of my account so in this case it was Citi banks issue that no money was sent when money was available on my account. It took a while to keep communicating with her and came XXXX and no word from her then finally i called her back and she advised that they couldnt open it and that i would have to apply. In this case they left me with a XXXX dollar closed account were its impossible for me to reopen an account with them. All i want is for that account to be reopen or transferred to a new one. That issue wasnt my fault and since i open that account on XX/XX/XXXX i had only 5 months since it being open. Not fare for a company to give you a credit and then close your account since all my payments had been on time.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Talked to a third party about my debt

Long issue condensed:1. Debt collector ( Enterprise Recovery Systems XXXX Inc. ) sends letter to me XXXX/XXXX/15 with 30 day deadline to respond. 
2. Response letter ( offer to settle account valid until XXXX/XXXX/15 ) from my attorney sent to ERS XXXX/XXXX/15 via fax and US mail. 
3. No response from ERS. 
4. ERS places file on my consumer credit reports XXXX around XXXX/XXXX/15. 
5. I call to follow up on why that happened, as my offer to settle on XXXX/XXXX/15 was never responded to. Spoke with XXXX XXXX XXXX/XXXX/15. Explained that I do not owe the debt, as it was discharged under XXXX subsequent to my unanswered offer to settle. Offered to send proof. XXXX was supposed to investigate and call me back. No response. I called several times and left messages on XXXX ' voice mail XXXX, XXXX and XXXX. No return calls. 
6. I file a complaint with Michigan Attorney General around XXXX/XXXX/15. 
7. Call from XXXX XXXX XXXX Ombudsman XXXX for ERS on XXXX/XXXX/15. Says she 's following up on my complaint. Offered to send proof of discharge. She gave me fax/phone number to do so. 
8. XXXX and XXXX faxed proof of discharge to ERS. 
9. Called XXXX XXXX, XXXX & XXXX to follow up on fax. Left messages on the XXXX and XXXX with no response. Finally spoke with XXXX on XXXX. Stated she did not receive any faxes from me. Asked for her email address to resend. 
10. Sent email with attachments showing proof of XXXX, XXXX & XXXX faxes in addition to XXXX letter. Requested from XXXX, but did not receive, receipt confirmation of email. 
11. Called XXXX XXXX/XXXX/15. She stated that she did receive my email and that she forwarded it to their client, XXXX Michigan University, for review. 
12. I asked her when she anticipated a response from XXXX. She stated she would follow up on Monday XXXX XXXX/XXXX/15 XXXX. Told her that I would call her on XXXX/XXXX/15 to ascertain XXXX 's response. 

Conclusion : In light of all the lies, deception, wanton neglect, I do not trust that ERS will or has followed through with anything they claimed they would. I have repeatedly called this business -- sometimes receiving busy signals, people picking up the phone then hanging up, denying receipt of faxes and mailed documents, etc. They are extremely unprofessional and inefficient. Meanwhile, THEY HAVE REPORTED THIS ACCOUNT TO THE CREDIT BUREAUS AND CAUSED MY CONSUMER CREDIT SCORE TO DROP BY XXXX POINTS!!! ERS sent me a letter dated XXXX/XXXX/15, where XXXX issued a weak apology for human error as to why the XXXX letter was never responded to. Nonetheless, as it stands, ERS ' negligence has caused me to lose out on business opportunities and I want this account to be removed from my credit ASAP! 

I can send CFPB proof of everything asserted in this complaint. I am frustrated and need intervention today. 

Thank you,
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS
Complaint sub-issue: Need information about your loan balance or loan terms

I have been trying to get answers about my application for forgiveness of student loans through the public service loan forgiveness program. Im trying to get a listing of which payments have counted towards the qualified payments they have to make sure theyre all accounted for. There are payments from prior loan servicers that I havent gotten information about. Its very frustrating because I could be done with student loans and Id like to make some life decisions for my family. 


Thank you
Complaint sub-issue: Card was charged for something you did not purchase with the card

My wallet was stolen in XXXX with alot of my personal belongings like my ID, social, debit and credit cards, and nowI have some charges on my account that do not belong to me : - {$400.00} on XX/XX/18 from XXXX XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

I was made aware that an individual illegally gained access to my US Bank checking account on XXXX XXXX, 2017. The way I was made aware was by receiving a series of death threats over my landline telephone because I had {$3000.00} that belonged to this person. About the same time I received 9 emails from US Bank that my PIN was changed, my DOB was changed, my security questions were changed, my password was changed, and that the check I deposited over the mobile app in the amount of {$2900.00} was successfully deposited. I made no such deposit, and have never utilized the US Bank phone application. The police were called and relevant reports were filed. 

I explained to the bank that I had received death threats pertaining to this incident, and requested a very thorough investigation as well as all information pertaining to the check in question. The bank verified the check was fraudulent, but refused to give me any further information, including how an individual was able to use their mobile app to break into my account, the location of the cellular phone used to illegally gain access to and deposit a check into my account, the type of cell phone used, and for how long the individual had been accessing my account. Instead the bank closed my account without notifying me or providing compensation for the money left in the account, and now refuses to answer any inquiries into this matter.
Complaint sub-issue: Account information incorrect

This account was written off fro m Ally Financial ...  It needs to be removed from all  XXXX  of my credit reporting bureaus.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Discovers new TV is misleading and using XXXX  toys to promote credit to XXXX  year olds. The ad should be pulled.

XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt resulted from identity theft

In XXXX, 2009 a friend used my banking information and charged amounts to her cell phone. The charges called an accrual of overdrafts and fees in my banking account. The matter was reported to law enforcement as soon as it was realized. Reports from each agency were turned over to the bank. Reports include the name and address of the party that committed the act. The account was turned over to collections. The agency has been notified multiple times by phone and mail that this account was the result of a crime that was committed. I am mailing ANOTHER copy of all reports via a traceable method to verify that the collection agency receives the information as well as to the credit reporting agencies.
Complaint sub-issue: Account information incorrect

XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. )
Complaint sub-issue: Problem getting report or credit score

I am unable to view my credit report or score online through Equifax or through any other third party. Equifax has blocked access from me being able to monitor my credit report for identity theft or fraud. I have been a victim of Identity Theft and need to be able to monitor my score and report for any fraudulent activity. I have called and been transferred around and have dealt with nothing but rude people. I have been very courteous and polite when I call.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 Accounts : XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Inquires : XXXX XXXX XX/XX/20XXXX 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 XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/2021
Complaint sub-issue: Account status incorrect

PLS NOTE I PAID OFF ONE OF TWO STUDENT LOANS IN FULL XX/XX/2014 THE SERVICE PROVIDER WILL NOT MARK THE LOAN PAID IN FULL AND IN CORRECTLY NOTES BALANCE OF XXXX
Complaint sub-issue: Information belongs to someone else

Hello My name is XXXX XXXX XXXX, I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to buy a home for my family and with these items on my report I won't be approved. I ask that the items be corrected on my credit report. I reported the theft of my identity to the federal trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Other problem getting your report or credit score

Ive sent letters with identification such as social security and if. Informing equifax that I want a copy of my credit report. Still equifax has neglected to provide me with the copy. I even reached out to you guys confirmation # XXXX equifax lied stating that an unauthorized person was trying to access my account this is appalling and untrue and I will be escalating my complaint against this agency. Im once again requesting that equifax send a copy of my report per my authorization. Ive attached copies of identification as well
Complaint sub-issue: Account information incorrect

On XX/XX/2021 a payment was made on my auto loan with Ally Financial. The payment was for the XXXX payment. I explained the payment was being made on XX/XX/XXXX because of my familys contract of XXXX. The representative for the company assured me the payment would not be reported 30 days late to the credit bureau because we are in the process of buying a new house. On XX/XX/XXXX I was notified that the payment from XXXX was marked 30 days late. I have spoken with an agent now 3 times and have been promised each time that a billing supervisor will be calling me back within 24 hours to remove the late payment once they listen to the recording of my original call. It has now been over a week and I can not get a billing supervisor on the phone and nobody has called me back. I need the late removed because I can not get a home loan now and I was promised by the original agent that there would not be a 30 day late.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX/XXXX  XXXX  # XXXX, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Complaint sub-issue: Was not notified of investigation status or results

Always paid bills on time had a couple payments sent back wasnt notified of going to be reported not once brought account current with discover next day get notified I was reported score dropped 80pts I sighned up for a payment plan and auto draft also still didnt help get late payment off credit report. Please help thank you
Complaint sub-issue: Reporting company used your report improperly

Per the Equifax XXXX website, I was involved in the Equifax data breach. My personal information was stolen without my knowledge or consent. I take issue with the fact that this theft occured between XXXX XXXX, yet information about the attack was only made widely available in XXXX. Equifax holds responsibility for this cyber attack by not having proper cyber-security. In addition, unlike most other companies, Equifax in not something that one can easily opt out of. If one has ever requested credit for a mortgage, student loan, etc., then Equifax XXXX as well as the other XXXX credit bureaus ) have all of one 's personal information on record. I would not have chosen to give Equifax any information if I had a chance. 

My identity could be stolen at any time for the rest of my life. Thanks a lot, Equifax. 

I have signed up for Equifax 's free year of credit monitoring. 

PS : since this is a gov't website, can I provide a suggestion? I think it 's time to scrap the whole SSN system and either re-issue a new SSN to everyone in XXXX, or to use a different system for linking financial records to individual people.
Complaint sub-issue: Account status incorrect

On XX/XX/17 I opened a self lender account- in my inquiry process they explained that I could cancel if I needed or wanted to, and that if I couldn't make a payment they would cancel the account for me prior to it damaging my credit. I canceled within a few days, and prior to the first payment. They never cancelled the account, and its showing a 90 day late on my credit report. I tried to negotiate with them, to open an account and do business if they would remove the previous, whatever it would take. 

It's still there. The premise was they help to build your credit up, but they did nothing but damage mine.