Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I have a HELOC with XXXX ( XXXX ). The balance of that HELOC is XXXX ( i.e., XXXX XXXX ) and it has been at that balance for several weeks. My prior history is perfect, with no late payments, and I had a personal credit score of 800+. 

Recently, I received an update on my credit report showing that my XXXX XXXX was 'delinquent. ' This affected my credit score severely, dropping it by over 60 points. 

I contacted the company about this error, notifying them of the XXXX balance and lack of any delinquency. While they admitted the content of the error, they have thus far refused to reverse the delinquency filing. Furthermore, they have refused to address this issue in a reasonable amount of time and without unreasonable requests from my side. 

Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, XXXX is now knowingly in violation of the FCRA and is not taking steps to correct that violation. 

I have attempted multiple times to have XXXX reverse the erroneous delinquency filing and they have refused to do so on each occasion.
Complaint sub-issue: Having problems with customer service

I was awarded the TEACH Grant while obtaining my XXXX in education from XXXX. The grant is worth {$8000.00}. Due to the TEACH Grant people saying they did n't receive the paperwork I filled out, which I have copies of. My grant was converted to a loan, serviced by FedLoan Servicing. I have been trying for XXXX years to get the grant converted back into a loan, but I am always given the same response that if my agreement to serve is not fulfilled, the grant converts to a loan. 
My tax refund has been garnished, and now my wages are being garnished. This is causing financial strain on my family, and stress on my marriage. I am still trying to figure out what the next steps are to have this loan converted back into the grant.
Complaint sub-issue: Problem during payment process

My XXXX payment was credited one day late, and I was charged a {$29.00} late fee and {$53.00} in interest. I mailed a dispute letter to the company on XX/XX/2021. I disputed the charges because I had ordered my payment on time from my bank by ACH as usual, but the credit card issuer refused to accept ACH payment, so the bank had to send a check. This sudden change in terms caused the late payment. Despite my dispute, I paid the ENTIRE balance due on that statement. I never received response to my XX/XX/XXXX letter. Despite my payment of the ENTIRE XXXX statement balance, credited four days prior to the next due date, my XXXX statement included an unexplained additional charge of {$25.00} in interest. I wrote again to the company in a letter posted on XX/XX/XXXX and have again received no response. I paid the balance due on my XXXX statement, deducting only the {$25.00} in interest. Now I have received my XXXX statement, on which I again have been charged {$13.00} in interest without explanation or response of any kind to my letters. My account is not in arrears, and I dispute both the original {$29.00} late fee and the subsequent interest charges.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several times to try to reach out by calling, certified letters sent to Equifax about these unknown credit inquiries on my report. Still has not been resolved. Yes, I am aware of the pandemic, etc. but what about the proof that I submitted several times.
Complaint sub-issue: Account status incorrect

XXXX/XXXX/XXXX - Received letter of 30 days past due from lender. XXXX/XXXX/XXXX - checked bank records and showed payment made XXXX/XXXX/XXXX. Called to find out what the issue was. Determined that I had unintentionally been short paying on the loan since XXXX. Made a payment of {$250.00} while on the phone with customer service and was told that that amount would rectify the short pay. XXXX/XXXX/XXXX - sent XXXX payment for {$240.00} to keep current. Found collection calls made in XXXX on voicemail of home phone that no longer is primary contact number. XXXX/XXXX/XXXX - received notification from XXXX XXXX that my credit score lowered. Checked information and found out that  XXXX had reported a 30 day late on my credit report. XXXX/XXXX/XXXX - made call to XXXX ( Greensky Credit ) and spoke to XXXX regarding the reporting on my credit report. She then gave me to her Supervisor XXXX who refused to correct the credit reporting. Told me they are obligated to report regardless of the special circumstances. XXXX/XXXX/XXXX - Called again to speak to XXXX, she was n't available so I spoke with her team member. Same story ... will not recant on the credit reporting. I do not have an online account with them. I pay them through my online bank bill pay service and do not receive mailed statements from them. I do pay them faithfully the first of every month. I had no idea that I was short paying the past year. I received no notifications of short pay or missed payment until XXXX XXXX, XXXX. When I tried to rectify my mistake they took payment and told me that would resolve the issue. It was an aggregate short pay that resulted in an eventual missed payment that was reported 30 days late even after rectification. I do not take my credit score lightly, it is the only reputation I have in the free world and I make every attempt to repay my debts on time. I feel victimized by their system and do n't believe that I am getting the consumer protection I need. I feel that they should have noticed me when the first short pay was received via U.S. mail and given me the opportunity to rectify the situation when it happened or allowed me the benefit of the doubt when they told me it was rectified upon payment on XXXX/XXXX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX Balance Owed : {$140.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2015 and {$1300.00} The action that has been taken is to take this account off my credit report including XXXX, XXXX and Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

My personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. If you dont remove them I would like {$1000.00} per violation in accordance with the FCRA Inquiries XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Address XXXX XXXX XXXXXXXX, AZ XXXX
Complaint sub-issue: Account status incorrect

XXXX is allowing creditor to report false information on my credit. One is XXXX   XXXX among others. Account that are closed are still on my credit file this is ridiculous. Ive been having this problem over a year. I have no score for XXXX XXXX   period. I see Im going to need to hire someone to look into this. I keep reporting things and they keep happening
Complaint sub-issue: Their investigation did not fix an error on your report

I signed up for Auto pay with VW Credit. They had my checking account information for this purpose. The multiple monthly payments were automatically deducted. Come XX/XX/2019, unbeknownst to me, the payment was not automatically withdrawn. Fast forward to XX/XX/2019, I get an alert stating my credit went down 70 points!! I see on my credit report that I was over 60 days in late payment to VW Credit. I called VW credit and talked to them about it. They said I wasn't enrolled in automatic payments. I told them this was untrue as payments were automatically deducted from my checking account. I finally got a supervisor and she admitted that " there must of been a computer glitch ''. However, she said she could not fix it herself. I would have to contact the credit bureaus. Which I did MULTIPLE times -- only XXXX, and XXXX updated their records to correct that I was NEVER late. In fact, not only was I not late, I paid off the 3 year lease, nearly 3 years early! I only owe 2 payments left out of a 36 month lease. I never bothered to look to see if my payment was deducted because I felt like I didn't have to as I keep plenty of money in that account. XXXX  refuses to fix this. I have filed complaints with them 4 to 5 different times and all they do is just send me a copy of my credit report. Because they would not fix this in XXXX XXXX XXXX I went ahead and paid off the lease minus 2 payments because I did not trust that VW Credit would take out my automatic payments. I pay ALL my bills on time. I take my credit very seriously. I am trying to buy a home in Florida and this strike on my XXXX  credit report affects me getting a better interest rate!! They are horrible. They say they will look into it but they really never do. They just print out a copy of my credit report. The other companies found in my favor and CORRECTED the late payment in XX/XX/2019. I have been battling this for over a year now. Should I get a lawyer? It is principle for me. I pay off all my debts ON TIME. XXXX is too lazy or they just don't care! Can you please help me get this bad mark of my credit report. I am at my wits end. Thank you for taking the time to review my case.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Some charged various purchases to my card from various places and I filed a complaint with the company and they continually give me the run around and tell me my case is closed and will not refund my money even after filing a police report and sending it to them.
Complaint sub-issue: Investigation took too long

Equifax Inc. ( XXXX : XXXX ) and its subsidiary Equifax Information Services LLC ( XXXX : XXXX ) continues to refuse to correct mailing ( situs ) address on mailpieces and credit file by intentionally reinserting invalid ( situs ) mailing address to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpieces I received via United States Postal Service on XXXX XXXX, 2015. 
Furthermore, Equifax Inc. ( XXXX : XXXX ) and its subsidiary Equifax Information Services LLC ( XXXX : XXXX ) continues to refuse to delete adverse account, to-wit : XXXX # XXXX on credit file by intentionally reinserting inaccurate and fraudulent information to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. 
Pursuant to 15 U.S. Code 1666 - Correction of billing errors, I formally request the following documentary evidence pertaining to alleged Account Number XXXX and alleged payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) ) : 1. A copy of the original credit application and loan agreement and disclosure statement showing the terms of the agreement ; 2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted ; 3. Copies of all documents and financial instruments used to pay the disputed late payments ; 4. Copies of all charge slips, invoices, promissory notes, truth in lending insurance disclosures, and all other documents proving indebtedness ; and 5. Copies of all documents sent to me regarding the alleged account. 
Immediately remove this inaccurate and incomplete information from your databases, which I have advised Equifax Inc. and its subsidiary Equifax Information Services LLC on, at least, XXXX separate occasions, more than 60 days ago. 
This letter is not meant in any way to be an acknowledgment that I have any outstanding personal debt regarding disputed alleged debt. 
Sincerely, I am /XXXX/XXXX , on behalf ofXXXX XXXX , Without PrejudiceXXXX XXXX ( Ret. ) XXXX XXXX XXXX, VA XXXX XXXX, 2015
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX XXXX XXXX at Discover XXXX XXXX has committed XXXX violations, placing paid payments for a few Months trying to maliciously sabotage And reset the XXXX year claim on a charge off account and has not answered to that complaint at all and he had discover card have their fake XXXX firm slash collection agency threaten me with a letter demanding over {$1000.00} more than I owe discover card and has not responded that complaint either he keeps lying and closing the cases as a duplicate.
Complaint sub-issue: Investigation took more than 30 days

I submitted my police report to Equifax detailing fraudulent accounts reporting in error on my credit report. The account numbers and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. Equifax processed disputes and verified my name and social security number that has been breached and ignored my police report detailing the fraudulent accounts that I did not open.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I had a credit score and was alway paying my bill just great, until my idenity was stolen XX/XX/2016. I have closed 3 bank accounts -- as in closed -opened new one etc. My mail, my email, my ss cards, college transcripts, passport, passwords etc. all information stolen. My credit score dropped to XXXX. taxes are on hold now. I started a new job too during this. I am broke and working in XXXX XXXX XXXX. I have many charges which is not me. Thank you, XXXX XXXX Some person or people are being me and using my idenity while I struggle to start over.
Complaint sub-issue: Account status incorrect

Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX customer service representative who explained that XXXX XXXX XXXX had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX XXXX failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

XXXX XXXX XXXX Closed arbitrarily 2 different credit card accounts, I have had my account open for 7 years, never miss a payment ( i pay my balance every month ), I have a XXXX credit and use around 10k in purchases a month. 
I got a letter that my account is going to be close in 30 days, I called to get a reason and could not give me a reason, I ask if it was my credit score ( my score is 700+ ) and they say it was not my credit score but they will not give the reason because is confidential, I ask to giver me a reason im afraid that maybe im a victim of identity theft. 
They will not giver me any reason, Im afraid they is discrimination because Im a XXXX I don't see any other reason never had any bank issue. 
Im looking at a Reason that they should give me if they decided to close my accounts. 
One account is personal and then other is a business account, they canceled mine but not my business partner that is not XXXX.
Complaint sub-issue: Debt is not yours

Hunter Warfield Inc has a debt that was place by XXXX XXXX XXXX # XXXX in which XXXX XXXX is and in default for any amounts owed or due. XXXX XXXX did not show for court 2 times and the case that XXXX XXXX filed on me to go to court never showed up and the case was dismiss. My attorney also mailed XXXX XXXX a letter in which they never responded back to issues and I was not evicted and as the letter states owe any money to XXXX XXXX. XXXX XXXX received over 3 US Certified Mail that they did not respond back to in any way. If  the matter is not cleared up I'm filing a law suit on Hunter Warfield Inc & XXXX XXXX as to a debt that is fraud by Hunter Warfield Inc & XXXX XXXX as to they never came to court and the case was dismiss and they received a letter after court stating there was no money owed in any way. XXXX was also informed we could pursue going to court on other issues that there was pictures and the unit had mold and other issues that was verified by the insurance company that came in and access the property. The City Building inspections also came to the unit 3 times and XXXX XXXX played games with the city codes and inspections for not having a building permit as well as a list of things that they city building codes and inspections was on XXXX XXXX for 3 months before they obtained a building Permit for work they was doing. I'm giving finale notice to Hunter Warfield Inc that a law suit will be filed on them to the matter and for XXXX in default not coming to court and the case was dismiss as well as XXXXXXXX XXXX not answering the US Certified Mail that was mail to them 3 times with no response. the debt is not valid in any way by the courts or XXXX due to the case was dismiss and no reply back. 
And there is over 8 US Certified Mail going back to XX/XX/2015in regards to the matter as proof as well as XXXX XXXX XXXX XXXX XXXX reports and the issues the city had with XXXX XXXX as well as no reply by XXXX XXXX. 
Attach is court document as proof as letter that was sent out by my attorney with no reply from XXXX XXXX
Complaint sub-issue: Account status incorrect

There are accounts on my credit report that are not mine.
Complaint sub-issue: Reporting company used your report improperly

I applied for a new credit card at XXXX XXXX XXXX  and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the XXXX XXXX Inquiry. 

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 belongs to someone else

Dear Equifax, Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. i don't know who XXXX XXXX XXXX is but they don't even have a license to collect in my state so I'm confused as to why the are being listed on my stuff
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX xxxxxxxxxxxxxxxx XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dates XX/XX/15, XXXX, XXXX XXXX XXXX Late Dates XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late XXXX XXXX
Complaint sub-issue: Debt was paid

{$1800.00} settled and paid for lesser amount back in XX/XX/XXXX it is now XXXX XXXX please have it removed Ive called the company already about this and they said it should be off by now but they have done nothing to Help speed up the process.