Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

On XX/XX/2017, I received an email from Nelnet stating that I had a payment of {$6500.00} due tomorrow that was scheduled for automatic payment. I logged onto my account online and requested to cancel the autodraft. I called Nelnet customer service to confirm the autodraft and I was assured that it would not likely go through. I also called regarding my income-based repayment application status, assuming it was not approved. I was told I still needed to pay for the {$5.00} fee. I was told I 'd be transfered to XXXX, but was hung up on. After being hung up on, I called again and was advised to call Nelnet the following day to get in touch with the XXXX. 

I called them and they told me that the {$5.00} fee they were expecting from me was actually already paid for. We also discussed the returning of my {$6500.00}. I was told by XXXX that she would send my case to her supervisors along with the phone call with Customer Service for review. Today, I was told that the customer service representative never even discussed getting my debited money back.
Complaint sub-issue: Their investigation did not fix an error on your report

At this time XXXX XXXX HAS not responded to my dispute in regards to XXXX XXXX REMOVING MY DATA INFORMATION including from third party credit bureaus, which includes XXXX, equifax, XXXX. This company has also responded to a different claim other than my own also with a different name. The correct claim number is XXXX, as reflected in the attachment. I have no idea who XXXX XXXX IS, this is not me. My customer number is XXXX. Please respond and remove the data information that was sold to XXXX equifax and XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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.
Complaint sub-issue: Account status incorrect

As per my credit reports it states negative remarks for late payments dating 2020 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Due to XXXX XXXX Ive contact the company which is XXXX to rectify the matter but to no avail.
Complaint sub-issue: Information is missing that should be on the report

nothing they said they only report to th e one re porting place, I need   XXXX   XXXX   to show on all my accounts, it does on  one bu t not all the others, please
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Acima credit allowed someone to open a account in XX/XX/XXXX or XX/XX/2018 in utah.a state I do not live in.im a resident of Texas and have been.they have been given proof it wasn't me.police and identity theft report as well as proof of my residency.thwy are illegally keeping a defaulted debt on my credit report.ss # ends in XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
Complaint sub-issue: Problem with direct deposit

On XX/XX/2020 I filed a complaint of fraud. Someone in XXXX was using my Direct Express without my permission. Direct Express was very good, getting money back to account very fast. They then issued me another card # XXXX XXXX XXXX XXXX but it would not work. Issued another card # XXXX XXXX XXXX XXXX which I was not able to use. After many times of calling Direct Express and holding an average of 45 minutes, the line was disconnected. I wrote them a letter about the situation but was never answered. I need my money, that is my bill payment money. I do not what to do. My balance is about {$1700.00}. What should I do.this is upsetting me so much. My SS # XXXX. 
Regards, XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am disturbed that XXXX, XXXX and Equifax continue to list the dismissed bankruptcy as confirmed within my credit files. Although it is your policy to keep reporting bankruptcies that are filed, dismissed, or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Billing Errors, notice was sent out XX/XX/2022 Also see attached documents
Complaint sub-issue: Account status

Equifax is listing a paid account which has been paid and is affecting my credit. 
Equifax is the only bureau that lists this as such.
Complaint sub-issue: Company closed your account

I have been a member of a Citcards since XX/XX/XXXX. The credit card products have changed over the years but I have always maintained my account. Recently, on XX/XX/XXXX, I received notice that Citi was closing my account due to inactivity on XX/XX/XXXX.. I called to stop this and they said there is nothing they can do. It was already closed. I think this as wrong as that closing accounts negatively affects my credit score. Further, they have also locked me out of the ThankYou points account that I have, where I have accumulated XXXX points ( an approximate value of $ XXXX {$60.00} ) Notice about account closure should occur before the account closes not after. While this may no be much to one consumer, the damage that is done over the course of thousands of consumers could mean that there is real money and damage done in the aggregate.
Complaint sub-issue: Reporting company used your report improperly

Based on your last response on XX/XX/2023 you claimed you removed the public record from your report I call XXXX XXXX XXXX XXXX. After reviewing your response up until approved 46 there was no indication of you removing anything review the file! What I do liked that you listed each time you responded. With numbers so it will be easier for you to identify which of your approved responses showed and where you stated removal And there is nothing frivolous about this you just been caught up in a lie thats what this is all about! Remove this XXXX  XXXX and lets move forward! From your report and XXXX  XXXX and XXXX immediately Each one of you need to send a a updated credit report reflecting the Permanent removal
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit frca violaitons
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 
Equifax is governed by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to the XXXX XXXX XXXX I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

on XX/XX/2002 I sent a letter to XXXX, XXXX and Equifax advising them to remove outdated and information that doesn't belong to me, they have yet to do this. 


The credit companies are not complying with their own policies in a timely manner.
Complaint sub-issue: Threatened or suggested your credit would be damaged

They have repeatedly violated ACH revocation. The first violation was in XX/XX/2019 and the company purposely ignored the revocation and went into my account without permission. The next violation they sent court documents to my house that they had no intention of filing and threatened me via email on several occasions. XXXX XXXX their collections manager sent many nasty emails, texts and calls. The amount the claim was owed is erroneous, they have not applied payments made. They threatened to contact my employer. They threatened to contact the creditors. I tried to make a payment online but there was no way to change my ach account information or view it. Instead of an " authorize payment button '' they have a button that says " continue '' but it doesn't go anywhere it just process payment without permission. I have many text message threats from the company. I have repeated emails threatening legal action. The violated the ACH written revocation again in XXXX and refused to return the money. Said they can go into my account and violate whenever they want. My bank had to step in for their fraud. They did this again in XX/XX/2019. They repeatedly threaten me, harass me, go into my account when they want and their ach system is in violation of the rules required. 

I have attached just a sample of their threats and violations.
Complaint sub-issue: Account status incorrect

Account shows discharged but it has been settled and paid in full
Complaint sub-issue: Problem with personal statement of dispute

I missed one payment The company decredited my credit by 80 % ive been with this credit card company for many years they took it upon themselves to investigate my other accounts and based on what they found did the decredit .. I feel they shouldnt of pride in my personal finances to make there decision..I read nothing of the sort in my agreement to credit card ..plus ive never missed a payment .. Now my score went down for one missed payment ... lts none of there business how many accounts i have
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I tried contacting Equifax about rent recovery on my credit report. Along with US Department of education loans from 2011 that should be off of my credit report. No one will call you back no one will respond to any type of contacts. I have submitted paperwork stating that bills have been paid off. Due to XXXX actions of VPs once again this is why XXXX peoples credit is not correct. The cfpb needs to start looking into all the XXXX actions of credit report companies.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my credit report and I noticed multiple billing errors. 
In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation
Complaint sub-issue: Account status incorrect

I have disputed this issue several times, called the creditor and confirmed this is a mistake. What is it going to take to get this corrected with Equifax which is the ONLY company out of all three reporting such inaccurate information on this account. 

Account is under XXXX XXXX XXXX XXXX Paid charged off listed which is 110 % inaccurate this account was paid as agreed and NEVER went even late.
Complaint sub-issue: Their investigation did not fix an error on your report

I made my payments on time the credit card company applied the payments to an old closed account, after contacting them they fixed the problem and applied all payments and waived the late fees, but they still reported as late to the credit reporting agencies I tried to dispute with XXXX, equifax and XXXX  for the wrong information but no response.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and my EPI may now be in the public domain.
Complaint sub-issue: Their investigation did not fix an error on your report

Prior to XX/XX/XXXX, I sent communication to XXXX to freeze my account. On XX/XX/2019, I sent to the credit reporting agencies : Equifax, XXXX, and XXXX communication disputing a bankruptcy that is on my credit file. 

On or around XX/XX/2019, I received communication from the three credit reporting that they had verified the information with the credit bureaus. 

If XXXX had been frozen, and the bankruptcy court ( see attached ) states that they do not verify any information with the three credit bureaus, then how did they verify the information for accuracy?
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Equifax, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and theres adverse and negative accounts and information listed on my Sage Stream Consumer Report which is all fraudulent accounts and information thats not mine and dont belong to me. I should have a clean and positive Sage Stream Consumer Report because I have been XXXX  for the last 17 years. Review attached documents.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$160.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00XXXX XXXX XXXX ( Original Creditor XXXX XXXXS ) XXXX Balance : {$62.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} EQUIFAX MORTGAGE SER XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX i received an email reminder of results. I was able to obtain online results of that item and saw another result submitted. When printing out the results the page printed all black over the correspondence. I went back into the system using another confirmation number I saw that was completed with no email notification and was block out their system. Equifax identity questions did not pertain to me claiming I opened a mortgage and who 's the bank. I wrote Equifax over the last 90 days to refrain from sending email notification to a particular email address. All request were ignored. 

One XX/XX/XXXX I received another email claiming it was a reminder email about completed results. Equifax did not allow me to view the results on Equifax.com claiming information submitted did not match. No information was provided but confirmation number, name, social security number, DOB, and address
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time XXXX, Equifax and XXXX Credit Reporting Agencies lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX  XXXX XXXX Open Date XX/XX/2017 XXXX : {$380000.00}
Complaint sub-issue: Information belongs to someone else

I 'm a victim of identity theft and I sent a letter containing all information about the identity theft that I reported to FTC and to my local police department ( case # XXXX ). Equifax is supposed to block/remove all fraudulent items in my report as directed by section 605B of the Fair Credit Reporting Act but they refused to do so after contacting them by mail and by phone. They are directly in violation of the FCRA 605C and also Privacy act of 1974 that we do n't have a contractual agreement that they can hoard my personal information and pass them around to the fraudulent creditors and ask them to investigate. Their misleading practice has been harmful to me psychologically and financially. They are also in violation of Fair Credit Reporting Act that they verify information through physical verification of the original signed consumer contract with my wet ink signature and always asked the fraudulent creditors to verify for them. Anyone paying for their service can report anything without Equifax verifying the information. I am requesting that they follow the law and remove the fraudulent account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX XXXX   with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX I had {$600.00}, {$600.00}, {$230.00} of my unemployment go to my cashapp account and they never made available to me. On XX/XX/XXXX another {$690.00} was sent to same account and a week later nothing to this day have been sent back to unemployment or made available to me. I logged into unemployment changed my direct deposit but my back money of {$3000.00} was sent to cashapp account giving a total of {$5100.00} and still saying they dont or dont see however I received plenty of payments from unemployment to this account so the account numbers was correct so I closed account and been asking them to sent back to unemployment so they can reissue them to my new account at XXXX bank and they refuse to as of XX/XX/XXXX