Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXXThis 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 XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX XXXXwith no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXXXXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.
Complaint sub-issue: Investigation took more than 30 days

I sent information to Equifax for dispute of inaccurate information that Equifax is reporting on my credit profile on XX/XX/21 and it has yet to be resolved. The results still remain as " under investigation '' The conformation for this dispute is XXXX. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I've tried to resolve this with XXXX and the credit bureaus but they still keep reporting it as a foreclosure when it is a good standing account. It is incorrectly reporting as a M-8 meaning mortgage foreclosure or repo. This is incorrect and the coding should be a M1,  paid as agreed. Because of this, it is causing us financial distress and preventing us from purchasing a home. There was a loan modification but we have been on time since.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$7900.00} Late/Closed XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} ChargeOff XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} Collection XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$790.00}
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$780.00}
Complaint sub-issue: Received bad information about my loan

First off, I used an online application form offered by nelnet to fill out a request for a repayment plan. After I was finished filling out their form on their website, they said it was complete and they would request more information if they needed it. 1 month later, I receive notice on my account that I owe a large amount of money within a few days, which should not be so if they properly processed my application. I then call their customer service and I tell the representative about the application I filled out on their website, the note that they will contact me if necessary, and the confirmation email. She tells me that there is absolutely no record of that application and also adds " I would never trust anything online '' in reference to their website. She then tells me that I must take a forebearance on my account to give them time for me to fill out the forms all over again and for them to be able to process these forms. This adds several thousands of dollars of interest to my loan. I agree to it because she convinces me that this is the only option for me, as it will take a long time to process the new paperwork. 
This began in XXXX and I have been having trouble with them ever since and emailing back and forth about paperwork they need in order to finish processing the application -the customer service agent told me it would take 1 month. This last Friday, after several confusing emails, I called their customer service. I was told that the original online application that I had filled out on their website in XXXX, was clearly visible on my account according to their system. It also stated that all that was needed was XXXX piece of documentation regarding proof of income. Even though the online application told me in the confirmation I received that they would notify me if any more documentation was needed by them, I had received nothing. Also, my application that I had sent months ago, suddenly appeared. I mentioned to this customer service agent that it seemed really fishy that a few months ago their company would tell me that they lost my paperwork entirely and forced me to take a forebearance and add significant interest to my account, and suddenly the original paperwork is clearly visible in their system and all I would have had to do is send XXXX piece of paper that I could have sent within 1 day. He said absolutely nothing and remained silent until I asked a different question. 
I feel as though I have been scammed out of money. I am not a rich person, and that is very clear to Nelnet. For some reason, they decided to take advantage of my situation and my desperation to not let my loan go to collections. I hate to wonder how many other individuals in my same situation, have been scammed by this parasitic company.
Complaint sub-issue: Information belongs to someone else

The following credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX Appeal, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Motors Auto, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXe, XX/XX/XXXX XXXX XXXX XXXX XXXX Cac, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXk, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXn, XX/XX/XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

I did not find a category that accurately matches my complaint. 
I discovered today that there is a collection on my credit report for XXXX dollars from LJ Ross associates, account number XXXX. 
I never received any letters, notices or phone calls about this matter until I saw it on the collection report. It turns out it is an electricity bill for a property I don't even own anymore. 
I paid this debt immediately, without even knowing if it is my debt or not ( as mentioned, I received no documents whatsoever ). 
I was told by the representative that they will put in a request for removal from my credit report, however I have not received so far any document confirming that. 
I was also informed that it may take up to 30 days for the information to come off my credit report. 
This significantly affects me since I am in the process of buying a home. 
I think this collection agency failed to do their job appropriately by not providing me with any notice whatsoever prior to reporting this debt to the credit bureau. Had they done that this matter would have been resolve a long time ago, I didn't even know this debt existed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX  has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Complaint sub-issue: Threatened to take legal action

AFNI Collection agency has been calling me everyday XXXX times a day. I am currently paying them a set amount each month through a debt consolidation company. They are calling me after XXXX. They have threatened me by saying, " If you are unable to pay we have your employment/salary information and we may take further legal action ''. I explained that I am only able to pay what I am paying each month no more, no less. They did not start calling me until I started paying off of my debt.
Complaint sub-issue: Account status incorrect

Citi did not send any notifications when a payment is due or past due. They went straight ahead and reported it to all credit bureaus for the 30 days past due without trying to contact me about the past dues in any forms of communications. I did make a full balance payment when I was able to log into my account a few days after the due date. I tried multiple attempts to work with the company ; however they refused to work on reporting to credit bureaus when I noticed and even lowered my credit line from {$7000.00} to {$300.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed late payments with XXXX on several occasions without any results from XXXX for the 3 major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only XXXX statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX - A new entry appeared on my XXXX credit report for : I C System Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Amount {$250.00} I do not owe any debts that I 'm aware of, nothing past due. When contacting the company, they refuse to share any information about this unless I provide my sensitive personal information ( full name, address, DOB, SSN ). I 'm not comfortable providing this information to some unknown company that just dinged my credit report. I have not received any prior mail, email, or phone call regarding this alleged debt. Do I have any recourse other than paying an attorney to dig into this?
Complaint sub-issue: Received bad information about your loan

Consolidated my loans in  XXXX  ( had  Fedloan Serving  as my servicer since  XXXX  ) Have been on the  Public Service Loan Forgiveness Income Based Repayment pro gram Have been paying my loans with  Direct Deposit  since   XX/XX/XXXX     XX/XX/XXXX   changed my  Direct Debit Amount  and received an email confirmed that it my new application was accepted and that my first payment would be on schedule on XX/XX/XXXX  ; each previous payment was made on the  14th  of the month Received a letter in my paperless inbox in the  Fedloan  Serving System on  XX/XX/XXXX  that my direct debit was accepted but that I would be notified about when my payments would begin and should make manual payments until then.   When I logged into my account on  XX/XX/XXXX ,  my loan balance showed as {$0.00} and my consolidated loan information from  XXXX  had disappeared.   I called FedLoan Servicing on   XX/XX/XXXX   to check what had happened. The customer service representative said she had no idea but that she could notify the consolidation department I would be contacted by the end of the business day. She also said I could make manual payments through them on the phone so my account would n't be Delinquent.   I did not hear from anyone. I called  FedLoan  Serving back today and spoke to a different Customer Service Representative. He said that he also did n't know what was happening and would elevate this to his supervisors to look into. He said he could n't make a manual payment for me because they used the online system. He also said that if my account became delinquent, eventually they could override it in the system since it was due to a glitch on their end. He said to check back in in a week, but that there was nothing they could do until they figured out what happened. Finally, he confirmed that my loan was still there and accruing interest, there was just no way to pay it.     XX/XX/XXXX   my consolidated loan information reappeared, but since I was n't able to make a payment during those days, interest continued to accrue. I immediately made a manual payment, reset-up my direct deposit and called  FedLoan  Serving to check on my payment to make sure it would still count towards PSLF and to see about getting the interest overridden since I had been unable to make a payment because of a glitch in the system.     The women I spoke to did not listen, would not believe me that I was unable to make a payment due to a glitch in their system, and raised her voice to speak over me. Her ID is  XXXX . She insisted that there was no way to get rid of the extra accrued interest even though it was due to their system malfunction.     I would like the interest removed.
Complaint sub-issue: Was not notified of investigation status or results

I sent XXXX, Equifax & XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Complaint sub-issue: Funds not handled or disbursed as instructed

There have been several payments that were to be paid that Citibank decided to reject without my approval which then goes into the negative after the refund the money and charging me non sufficient funds fees. For example there were several payments made to short term loan organizations for amounts between XXXX and XXXX that were automatically returned and then charged a XXXX NSF fee. By the time Citibank decided to reject the payment the account balance always ends up in a negative status. It not because I do not have enough money. The account would not allow for such transaction because I do not have overdraw protection. I feel my finds are being played with for some unknown reason. There was an incident that occur not too long ago where I was to have XXXX transferred over from Citibank to XXXX XXXX XXXX XXXX. The transaction was initiated and the funds were sent but then a few days later when I checked to see if the funds were at XXXX they told me that Citibank said that the customer cancelled the transaction yet the XXXX never made it back to my Citibank checking account. Like I said the has been an ongoing problem. Also, it takes a long time for them to bring my account balance up to date online. My account balance balance will read a specific amount for days on end and not be updated for sometimes up to a week and a half later. Many problem and many issues I am being held responsible for yet I am not the party making the mistakes. 
Best, XXXX XXXX XXXX
Complaint sub-issue: Problem with paying off the loan

I had sold the leased XXXX VW XXXX to XXXX XXXX - as VW Credit requested, we obtained the Dealership buyout amount and paid in full XXXX XXXX for $ XXXX Contacting VW credit 15 business days later and they had confirmed that the check was received XXXX XX/XX/XXXX and would have " delays '' processing the payoff due to " large backlog '' and said that it may take them another 15 days. 

I called again XXXX XX/XX/XXXX, I believe, and was told the same about the backlog, but that this time it would take them up to another 45 days to complete the process and that my credit may be affected as well as the loan would still show on my account. 

I can not wait for that long as this will affect me in many ways as well as my creditworthiness for my life plans! PLEASE HELP! Volkswagen Credit ( VW XXXX XXXX XXXX is NOT running an honest business here and do NOT care about customers
Complaint sub-issue: Their investigation did not fix an error on your report

My student loans were through fedloan and they switched all of my loans to XXXX. I was given the balance by XXXX which matched my records and everything was fine. Then Im XXXX I get an alert that I have a XXXX loan all of a sudden from fedloan. I called XXXX they confirm they have all of my loans and there is nothing with fedloan. I call fedloan at that time I could speak with someone they confirmed I have no loans with them and I would need to call XXXX XXXX. I called them XX/XX/XXXX I believe and filed a dispute. I never heard back from them so I called them XX/XX/10 and they said I never filed a dispute. I was placed on hold and then was told they contacted fedloan and I do have XXXX loan with them. I went on fedloan dna webpage and it says I have no open loans. I called them but since I have no open loans I cant speak to anyone. I called back to XXXX and they suggested I reach out to you. My student loan balance is XXXX per XXXX  and per the National student loan data base. XXXX doesnt show the XXXX student loan either. This all of a sudden popping up out of nowhere has affected me applying for a home equity loan and has dropped my credit score. I am at a loss of what I can do to fix this because that is student loan debt that is not mine.
Complaint sub-issue: Confusing or misleading advertising about the credit card

XX/XX/XXXX I seen a XXXX ad that said apply for a secured card with no hard credit inquiry I fill it out then it directed me to the application then I get denied and a hard inquiry on my credit I called an ask what happen they said I did a application I told them I filled out the one for soft inquiries and it directed me to the application process so I was thinking I got approved but they said theres nothing they can do about removing the inquiry
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, XXXX XXXX, 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