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

I have sent over a dozen emails and made numerous telephone calls to Fedloan to have them update the number of PSLF qualifying payments that have been made since XX/XX/XXXX. This correspondence has taken place over the last 18 months. Fedloan has acknowledged that my Employment Certification Form beginning XXXX XXXX has been approved, although I have never received it. As of today, XX/XX/XXXX, my approval letter should be sent via mail in 7-10 days, but I have been told that before as well, and did not receive.

Fedloan states that the payments made to my previous servicer have not yet been assessed. When my loans transferred to Fedloan, my previous payment history was sent to them in a way that their system was not able to automatically review the previous payments and update the the PSLF qualifying payments. This prompted their system to submit a request to have the qualifying payments reviewed manually. The review is still underway and there is no update available. 
I believe that 18 months is a sufficient amount of time to accomplish this task. It is not appropriate that they can not update me with any information, I receive the same response each and every time. Thus far, my PSLF qualifying payments is eight, that only reflects the Employment Certification form that was sent again from the same employer last year.

Fedloan documents each and every telephone call, they have the number of times I have called and inquired. I have many of the emails saved and printed, they were sent directly through my account in " contact us '' section of Fedloan.
Complaint sub-issue: Debt was result of identity theft

EQUIFAX DISPUTE CONFIRMATION NUMBER 'S REF : # : XXXX DATES : XXXX XX/XX/2019 CONT. ABOVE, AS FOLLOWS : # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 They refuse to correct information after being provided proof. 
They re-report an item thats been removed from your credit report without notifying me in writing within 5 business days.

They fail to respond to written dispute within 30 days.

They try to be both the purchaser of an account or the assignee. Its one or the other. 
They misrepresent themselves or the debt they are attempting to collect on. 
They try to re-age my account by updating the date of last activity on your credit report to try to keep negative information on your account longer. 
They continue to report a debt to the credit bureaus that they have not validated. 
EQUIFAX DISPUTE CONFIRMATION NUMBER 'S REF : # : XXXX DATES : XXXX XX/XX/2019 CONT. ABOVE, AS FOLLOWS : # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 They refuse to correct information after being provided proof. 
They re-report an item thats been removed from your credit report without notifying me in writing within 5 business days.

They fail to respond to written dispute within 30 days.

They try to be both the purchaser of an account or the assignee. Its one or the other. 
They misrepresent themselves or the debt they are attempting to collect on. 
They try to re-age my account by updating the date of last activity on your credit report to try to keep negative information on your account longer. 
They continue to report a debt to the credit bureaus that they have not validated.
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 719XXXX has me at a score around 590. 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 three 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 .This 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I paid the account in full with understanding that the unverified account will be deleted. Also, I never received the undeliverable mail that was returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher " know or has reasonable cause to believe that the information is inaccurate, '' Given that the furnisher has provided false information to you about me, and provided you with false address. I demand that the item are reporting be removed immediately. 

XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Complaint sub-issue: Contacted you after you asked them to stop

On XX/XX/2021, I took out a payday loan in the amount of {$800.00} fully intending to pay it back. Due to recently contracting XXXX and being unable to work I have been unable to make the payment. A letter dated XX/XX/2021 was sent to them revoking the ACH debit authorization and requesting they do not contact me for collection purposes. They contacted me via text and I replied back, once again, requesting they do not contact me and that the ACH revocation letter had been sent. I also replied with a screen shot of said letter. They contacted me a second time AND tried to debit my bank account, not once but twice thereby causing further damage to my bank account with NSF fees, {$35.00} for each occurrence. A request was made in the letter for them to contact me via US Postal mail or email, not phone contact was permitted and they have not done either. Only contact was via text message.
Complaint sub-issue: Debt resulted from identity theft

ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Old information reappears or never goes away

I was apart of the Equifax breach since then every month without fail I have had incorrect, fraudulent, bogus accounts placed on my credit report, causing me to constantly dispute! Isnt this injury to insult? Ive asked the customer service reps in XXXX, what are the methods you utilize to deem to responsible for these debts? I have none if the creditors havent EVER yet somehow they appear and Im supposed to prove my innocence guilty in Equifax court of law??? Ive lost XXXX of points never to regain them! WHAT if I needed to buy a car? A new home? They hold me accountable penalizing me for absolute nonsense! Ive had XXXX bogus accounts removed due to my diligence. Each time costing me points and struggle and 30 day waiting periods????? You allow these vultures to do this and it needs tp END now!!!!!!!!
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

1st Equifax 'NEVER ' gave me my complete credit report even after I contacted them telling them it was incomplete. They further closed the case against them with CFPB knowing they had not fulfilled giving me my complete credit report. 2nd After contacting Equifax 's CEO XXXX XXXX and informing him of all the problems I was having with his company, Equifax lowered my FICA Score from XXXX ( the other 2 credit reporting agencies have my FICA Score as XXXX ) to XXXX. No one who uses Equifax is either going to give me any credit or are not going to give me favorable rates. This is retaliation for reporting Equifax to CFPB.
Complaint sub-issue: Was not notified of investigation status or results

I sent out disputes to all three bureaus and I have yet to receive any response yet from XXXX, Equifax or XXXX. This is my third time sending in a dispute and waiting for a response. All i ask is for all three bureaus to investigate and update my inaccurate information on my credit profile.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # 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 an account without my written instruction.
Complaint sub-issue: Information belongs to someone else

I recieved my credit report from XXXX and i immediately noticed my name. Was correct and the body of the letter was addressed to someone else. After going over it more closely this person has filed chap. XXXX bankruptcy!!!! I was wondering why my score was so low. I notified everyone of those at credit reporting agency. And nothing. I would like to pursue legal action against these credit bureaus because they have made it where i have to pay cash for everything anyways.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I worked for Commerce Bank I recieved a loan from this bank i worked in the same department for two years which was installment loan collections. I put my two weeks notice in XX/XX/XXXX they let me go a week before my two weeks was up on XX/XX/XXXX. All of my car payments have been made prior to 65 days past due until recent. I made a partcial payment for XX/XX/XXXX leaving me with less that {$180.00} when my car payment was {$470.00}. I fell behind for a full payment for XX/XX/XXXX and XX/XX/XXXX. They put my car out for reposession at 65 days past due. My account being an employee or ex employee is being handled by my co workers that i worked with daily instead of management. When they claimed that my car was repoed because of no communication. I advised them that due to the hostile work enviornment and the way they choose to terminate my employment I chose not to speak with them.
Complaint sub-issue: Was not notified of investigation status or results

I filed a credit report dispute with the XXXX Equifax and XXXX. I have inaccurate information reporting on my credit reports and it is hindering my ability to obtain credit. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Complaint sub-issue: Their investigation did not fix an error on your report

I traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to  XXXX   XXXX . In  XXXX / XXXX / XXXX  I declared  Chapter   XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and  XXXX   XXXX  continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time.  XXXX   XXXX  is intentionally attempting to damage my creditworthiness.
Complaint sub-issue: Reporting company used your report improperly

Earlier this year Equifax had a data breach that leaked my personal details and information. They had subpar security, and were negligent about making sure that my data was safe. After learning about the data breach, Equifax was negligent about handling the aftermath, and kept it secret for too long. Now that my personal details have been leaked, there is no way to get them back to being secret again. This threatens my ability to buy a house, buy a car, rent an apartment, or take out loans in case of an emergency ( like XXXX XXXX or XXXX ). In order to mitigate this for myself, I have to spend extra time and effort to monitor my credit, and will have to make sure to stay vigilant for the rest of my life. Their response to the breach was to offer 1 year of credit monitoring ( so, basically a free trial version ) to those affected, which signing up for their credit monitoring service would bind me to arbitration and prevent my participation in a class action lawsuit.
Complaint sub-issue: Not given enough info to verify debt

I have I put forth good faith effort to contact this TCI, Inc and XXXX XXXX XXXX who TCI, Inc says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from TCI Inc.
Complaint sub-issue: Problem with fees

Citi Cards has been charging me a payment safeguard fee For years when I never signed up for this feature and they have been sued for it in the past for their misleading of customers and fraudulent charges for this service. Their letter to me after asking to hear or see documents/recordings of my enrollment in payment safeguard stated they were unable to fulfill your request to listen to the enrollment conversation and denied reimbursement of the fees. 

I never signed up or agreed to these additional fees and was either enrolled fraudulently or was grossly misled. 

The fees they have been fraudulently charging me equal well over {$1500.00} from XX/XX/XXXX til the end ofXX/XX/XXXX.
Complaint sub-issue: Don't want a card provided by your employer or the government

XX/XX/20 received a USBank Reliacard. It shows a balance of {$11000.00} in UC Benefits. I did not apply for UC Benefits I am retired for 7 years. I believe someone has Applied for these benefits illegally. Can you please help me with this problem. Unfortunately I had to activate the card to find out any info about it. I have not made any withdraws on this card and I don't intent to. Please help me with this problem. 
XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This company is reporting multiple accounts on my credit reports that is inaccurate. I sent out a dispute to all credit bureaus regarding this company on XX/XX/2018 and still this company has verified information back to the bureaus that is incorrect and inaccurate. 

This company chooses to violate my rights by failing to complete proper investigating under section 611 and 609 of the FCRA. This company continues to report incorrect charge off information even after these accounts were closed. In some accounts showing that I was late even after the dates of last activity showed these accounts to be closed. 

Even after filing for a chapter XXXX bankruptcy, this company shares incorrect payment history while also not reporting statements like this account is currently a charge off account, 120+ days past due, 180 days delinquent, Account renewed, and/or no update received. This is obviously a violation as companies show only report accounts current/included in bankruptcy. It has been over 60 days from my initial dispute and I have sent 3 in total and this company still fails to correct this incorrect information and still chooses to delete this incorrect information after being challenged.
Complaint sub-issue: Need information about your loan balance or loan terms

My student loans are wi th Nelnet. When I sign into my account, I can not get any information regarding the term of the loan or how many payments I have left. The only payment details offered are " as of 2014 '', but do not give any term or number of payments left. I chatted with 2 separate representatives and they said that information was not available to me. I said I  find it hard to believe that a payor is not entitled to that basic information and they just maintained it is not. This can not be legal. All I want is some documentation as to the term of my loan and how many payments are left.
Complaint sub-issue: Report improperly shared by CRC

XXXX XXXX, 2016 Consumer Financial Protection Bureau XXXX, IA XXXX NEVER AUTHORIZED PEN FED TO RUN MY CREDIT AT ALL FRCA Violation On XXXX Reporting On XXXX XXXX, 2016 By Equifax I have noticed that you have placed one or more inquiries on my credit file ( s ). As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Please contact me immediately at the address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No. XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Credit dispute My credit score dropped significantly without any explanation, on XX/XX/2021, my score was XXXX ' then on XX/XX/2021 my score dropped to XXXX then on XX/XX/2021 my scre dropped to XXXX. 

Call to XXXX I calkd XXXX about my credit score drop on XX/XX/XXXX to say why my score dropped and I got the repose below : to many inquiries : not enough credit reporting : short credit history My dispute to XXXX results As my credit report has not change with with any new information within the last 90 days how could this previously drop my score 85 points?. 

Phone calto Equifax On XX/XX/2021 Equfax representative told Mr my score dropped because of a dispute. 

My dispute to Equfax fax answer I have no dispute on file as of XX/XX/2021. 

XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

Today, XX/XX/XXXX, I attempted to get my free annual credit report. XXXX was successful, EQUIFAX SAID THEY COULDN '' T GIVE ME BECAUSE I ALREADY GOT IT! Not true! In fact, My last report pull was XX/XX/XXXX. 

EQUIFAX refuses to answer their phone lines and has no place for me to resolve what's going on. I suspect my acct was compromised because I received an alert email from XXXX  earlier this week. I am concerned! I want immediate access to my report, want to confirm my credit freeze is still on from this unethical, loose company. And yes, my account was part of the breech. 

These company 's should be prohibited from gathering and maintaining my personal info, especially when there is no way to access or fix their numerous errors. I am being impacted without my consent. Break them up. Demand they staff and answer phones. 

PLEASE, PLEASE, PLEASE - I need a copy of my credit report ASAP. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX XXXX XXXX # XXXX ACCOUNT XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I have the rights to privacy 15 U.S.C SECTION 604 A.SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Threatened to sue you for very old debt

I received a call from XXXX XXXX XXXX for XXXX XXXX  pay day loan XXXX was the rep I spoke with he did n't state that he was trying to collect on a debt or that the call was recorded he offered me a did on the acct I said I could n't do anything until XX/XX/XXXX and he stated the company was n't going to wait that long that they litigate XXXX all the time and that 's what is going to happen they will use me for the acct said he was going to put that I refused to pay.