Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I have been trying for the last week to lift a credit freeze with Equifax. I have tried using the telephone and the computer. The system tells me they cant find me and will not continue when I have given my social security number, date of birth and full name. Also they seem to require that I have a cell phone to continue. I do not because we live in an area without cell service. I have a PIN number from when I established the credit freeze in XXXX. They no longer honor it since they changed the system in XXXX but did not inform me. I have spent a number of hours trying to lift the freeze for 30 days but can not get through the layers of roadblocks they have imposed. On many occasions the system simply goes dead, or says we cant find you or some such. I have had zero trouble with the other two major credit agencies. Equifax is a disaster that we all depend on.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Service, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company. 
Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS. 

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
Complaint sub-issue: Was not notified of investigation status or results

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 53 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Keep getting calls about your loan

I have been receiving continuous harassing phone calls, voicemails, and emails from Nelnet. Prior to XXXX I was current on my loans services through Nelnet. I was enrolled in auto-debit and never missed a payment. Of course when XXXX hit all federal loans were paused through this year. Now that the loans are ( as of now ) supposed to be active again in 2022 Nelnet has been harassing me to start paying again. Whether or not the loans are due again next year does not matter, as it stands now the loans are currently paused by the administration. Nelnet should have no right to contact me, especially in a harassing way as they have been. I have uploaded proof to back up my complaint. Please contact me as soon as possible.
Complaint sub-issue: Company closed your account

Citibank closed my priority account and sent my account to the fraud prevention department on XXXX XXXX 2022. I want to know why and they are going to try to report me. I don't think that's right when you have your own money go into a account and go get it. There manual says they will charge me XXXX dollars. They never did.
Complaint sub-issue: Deposits and withdrawals

US Bank has a history of conveniently posting transactions 7-10 DAYS after the transaction is made. The transaction will show in your available balance, and then disappear, leaving it extremely difficult to manage an account using their online banking system.

On XX/XX/XXXX, at approximately XXXX XXXX, my account was positive, though held a balance according to them of just under {$1.00}. On XX/XX/XXXX, a deposit was made to the account to fund the account per my spouses pay check. US Bank posted transactions made a WEEK AND A HALF prior in the overnight hours prior to the deposit, causing the account to overdraft and subsequently charged an overdraft fee. In my attempt to resolve the issue, the customer service representative became argumentative and tried to school me on the status of an account that I check MULTIPLE times a day. While I no longer wish to use this Bank, as they have a history of treating their customers like numbers, I want the overdraft fee that I was unfairly assessed refunded to my ch
ecking account.
Complaint sub-issue: Problem with personal statement of dispute

During the months of XX/XX/XXXX through the present XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has assisted me in attempting to refinance mortgages on two of my properties. XXXX XXXX XXXX, Vice President ( XXXX ) is working closely with me regarding refinance process. In reviewing my credit report XXXX XXXX noted that their were errors on my report regarding Home Equity Line Accounts. Specifically, on my New Jersey home XXXX XXXX Case was reporting three home equity lines where in fact there was only one. In addition, they were reporting these home equity lines as open lines of credit which they were not. Consequently, I requested a letter from XXXX XXXX XXXX specifying that there was only one account, not three, and that this account was no longer an open line of revolving credit, but was in fact closed and therefore should be recorded to the credit agencies as an installment loan not an open line of credit. Numerous letters wee sent to Equifax stating this fact. No matter how XXXX XXXX XXXX structured the letters, for some reason Equifax consistently found the letters unacceptable. They finally advised XXXX XXXX XXXX XXXX  that the most recent letter received by them from XXXX was acceptable and that my file updated and further instructed XXXX XXXX XXXX XXXX to pull a new file as per the attached email from them to XXXX XXXX XXXX XXXX onXX/XX/XXXX. Once this report was requested by XXXX XXXX XXXX XXXX it reflected no corrections whatsoever. When XXXX XXXX XXXX XXXX contacted Equifax by phone to call the XX/XX/XXXX email to their attention they were met by a rude, uncooperative, and hostile response. Equifax informedXX/XX/XXXX that even though they instructed XX/XX/XXXX to pull a new credit report and even though they acknowledged the acceptance of XXXX XXXX most recent letter they nontheless refused to correct and update my credit report. This resulted in a substantial drop in my credit score because XXXX XXXX XXXX XXXX pulled a second credit report ( as per the instructions of Equifax ) and because of their refusal to correct and update my credit report. This has caused me irreparable harm in that I was unable to obtain mortgage re financing at extremely favorable rates and terms and has caused increased interest rates on other obligations. Therefore I am requesting assistance in demanding that Equifax honor its XX/XX/XXXX memo and that Equifax also retract the second credit pull of XX/XX/XXXX and that they immediately correct all records and my score accordingly once their records are corrected.
Complaint sub-issue: Public record

In XX/XX/XXXX we filed for bankruptcy. At that time XXXX was our mortgage company. In XXXX of that same year XXXX XX/XX/XXXX XXXX XXXX mortgage company also filed for bankruptcy. XXXX was listed as XXXX of our debtors, however we did not file against them. We planned to remain in our home. XXXX XXXX took over our account in XX/XX/XXXX. So in XX/XX/XXXX when we filed bankruptcy XXXX XXXX was no where on the paper work. We only had XXXX mortgage company, XXXX. I am not sure how XXXX XXXX was added to the bankruptcy since they were not our mortgage company at that time. 

We have continued to pay our mortgage. Never has a payment been missed and there has never been any late payment fees accessed on our account. Because we always paid and had not been in contact with XXXX XXXX it was not until recently that we discovered that XXXX XXXX was on the bankruptcy. Now we understand that because we did not reaffirm our mortgage payments are not being reported to any of the credit bureaus. We need to have this information of a bankruptcy against XXXX XXXX removed. It is not correct and is noted as a negative on our credit report. Once this is resolved we will do whatever needs to be done to reaffirm with XXXX XXXX and continue to make our payment on time.
Complaint sub-issue: Reinserted previously deleted info

My mortgage account has been deleted from Equifax credit reporting file as of today XXXX XXXX, XXXX XXXX XXXX informed me that Equifax showed that they had deleted my mortgage account which caused my credit score to decrease by XXXX points. I, then paid {$15.00} to Equifax to get a report so that I would have their file number just to talk with someone about the deleted mortgage account. Equifax representative as of today, XXXX XXXX, 2016 advised me that I had to get this error corrected although I have a mortgage account which is current as of XXXX XXXX, 2016. He confirmed that the mortgage account had been deleted because the account had not been updated since it was last reported. He advised me that the mortgage company must resubmitted the information to them. I called the mortgage company. Does Equifax has the right to delete a furnisher information on a consumer without confirming the information with the furnisher? My mortgage account is open and has been current for years.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX, Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : MXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/ Balance : {$14000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have on requested documentation of the information each credit reporting agency used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded stating they do not understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 3 separate requests were submitted to each company ; XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX of XXXX.
Complaint sub-issue: Information is incorrect

I have tried to get insurance through XXXX and have been turned down by LEXIS NEXIS due to the following : Were sorry, but XXXX declined your application because your Motor Vehicle Report ( MVR ) and/or your Claims Loss Underwriting Exchange ( C.L.U.E . ) report show 3 or more insurance claims in the past 36 months. Therefore, you are not eligible for coverage with the XXXX XXXX. The report ( s ) were provided by : I have only had one and it the accident was not my fault. It was paid out by the other drivers insurance company.
Complaint sub-issue: Account information incorrect

According to the FCRA 15 U.S.C. 1681c ( b ) and 15 U.S.C. 1681 b ( a ) 2 without my written instructions my XXXX account the number is XXXX .... 

on XXXX it shows balance is {$0.00} on XXXX  it shows {$4800.00} on equifax is shows {$4800.00} date opened on XXXX  it shows XX/XX/2016 on XXXX  it shows XX/XX/2016 on equifax it shows XXXX
Complaint sub-issue: Debt was result of identity theft

I am repeatedly receiving phone calls at XXXX XXXX and XXXXXXXX XXXX from Hunter Warfield , Inc for a debt from XXXX XXXX XXXX XXXX XXXX XXXX for {$6200.00}. The account and debt is not my account or debt, and is the result of identity theft. Hunter Warfield Representatives is steady calling me, annoying and harassing me, using abusive, profane and vulgar language against me and threatening me with violence and death for an and debt thats not my account or debt. I am a victim of identity theft. Hunter Warfield has me in fear of losing my life. They have frightened me with their illegal, unethical and unlawful business practices.
Complaint sub-issue: Debt is not yours

An account from XXXX showed up on my credit report that does not belong to me.
Complaint sub-issue: Attempted to collect wrong amount

I have been working tirelessly to improve my credit and provide a better living situation for me and my children, despite having difficulties with collection agencies reporting false information to credit bureaus. Collection agency IQ DATA INTERNATIONAL has been falsely reporting to XXXX credit bureau since XX/XX/XXXX. My credit report states that my balance owed is {$16000.00} and that my original balance is XXXX. The balance amount constantly increasing. The original creditor is XXXX XXXX XXXX XXXX which is the name stated on the lease signed. Apparently they are going by multiple names because the name mentioned on court documentsXXXX XXXXXXXX XXXX XXXX, is not the company I signed my lease with. 
I signed a rental agreement on XX/XX/XXXX with XXXX XXXX XXXX XXXX. I moved in a week later because I was told the building management had to move some else furniture into my apartment temporarily because the person 's apartment was not ready yet and they had nowhere to put their belongings. I was never compensated for this like I was told. This account is reporting the wrong balance owed. I have court documentation giving to me at court on XX/XX/XXXX stating that I owed {$3500.00} plus {$310.00} in attorney fees. As stated in a document I signed on XX/XX/XXXX I agreed to leave the apartment by XX/XX/XXXX, and I vacated as agreed. I also included this agreement signed on XX/XX/XXXX, a copy of the first and last page of my lease showing the {$1500.00} amount I paid for a security deposit that was not returned to me, and my balance was not adjusted to show it was applied to the amount I owed, and I also included with these documents to XXXX Credit bureau and IQ DATA International a copy of the cashiers check I paid to XXXX XXXX XXXX XXXXXXXX ( the original creditor ) towards my security deposit. The amount reported is again incorrect and this account should be removed.
Complaint sub-issue: Was not notified of investigation status or results

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XX/XX/2022
Complaint sub-issue: Information belongs to someone else

I have disputed collection accounts : # XXXX # XXXX directly with XXXX  XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. 
I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX company, but in any case these accounts should not be reported by XXXX  XXXX now so please delete these false accounts asap.
Complaint sub-issue: Can't decrease my monthly payments

When I first began repaying my student loan the payment was XXXX/month at the time I was working part-time with the anticipation of being made full-time, but that had not occurred yet. I called my loan provider immediately and told them ( Sallie Mae ) my situation and I asked them if I could lower my payment for a period of 3-4 months until my pay increased. 

They told me no. 

My options were forbearance or pay the amount. So, not wanting to affect my credit or increase the amount of interest on my already steep loans - I paid the full amount even though it was a struggle. They were rude, no help and caused a significant amount of XXXX in that situation. 

I 've been paying faithfully and my interest rate continues to climb, I have n't made an impact in the balance at all I feel even though I pay monthly. I understand this is my debt, but I 've never had a bank or any provider of a service unwilling to work with a customer on a payment for a month.
Complaint sub-issue: Reporting company used your report improperly

In accord accordance with the federal credit act XXXX XXXX has violated my rights. 
15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Other problem getting your report or credit score

XXXX Credit Report contacted me to avail to a free Trail for a month. I tried but they asked for a Credit Card before I can start. I gave my Discover Credit Card. 

XXXX XXXX XXXX is very inconvenient and it does not work. So I canceled it, This was at the height of the Covid Pandemic. I got infected with XXXX and was XXXX, then I suffered from XXXX XXXX and still is suffering from XXXXXXXX XXXXt. I am taking a lot of medicines which keeps me drowsy and feeling lousy ad sickly all the time coupled with XXXX from taking XXXX Drugs. The reason that I was not checking the charges of my Discover Card. 

I am a XXXX old proud Retired  XXXX XXXX XXXX that was making good money and was my paying 20 % taxes. Being retired and my Social Security Retirement Pension is barely enough to survive. 

I am being abused by these scammers- XXXX Credit Report which has affected my Quality of Life. I have a lot of charges in my Discover Credit Card due to these Illegal Charges. 

I already filed a complaint with Discover who credit back the monthly charges, but later on, Discover recharged my account again siding with XXXX. 

I called Discover and filed a Dispute, but they will recharged these Experian Charges again. 

Please help me. This is a scam and also a Seniors Citizens Abuse. 

Thank You so much! 

XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This account is reporting as a Charge-Off with a Balance, and no Last Date of Activity, which is a violation please delete. 

XXXX XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. 

XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX # " " " " XXXX XXXX {$99.00} XXXX XXXX # XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX # XXXX {$2200.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. 

These accounts are also in violation of the precedent set by XXXX vs XXXX, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. 

And that is on top of all of the reporting violations and inaccuracies that I have found. 

I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. 

They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. 

I have written them several times, all to no avail. They willfully and continually violate my rights under Federal law.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax refuse to update my XXXX XXXX account in litigation after submitting court documentation to both agencies.
Complaint sub-issue: Other problem getting your report or credit score

I am in the process of finding a new apartment. My current lease ends at the end of this month. I've recently found a new apartment ; however, the new leasing office ( XXXX ) has been unable to pull my XXXX credit report, after various attempts. The leasing office receives an error telling me to contact XXXX. I've been calling XXXX numerous times a day over the past week, but they continue to quickly tell me that my file is not locked and that there shouldn't be any issue. The apartment is being held for 7 days, but I need to get this resolved ASAP or I may end up without a place to stay..The leasing office is using a company Core Logic to pull the credit report. I've confirmed that they are submitting my information correctly, but still it returns that it is unable to pull my XXXX Credit Report.