Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about your loan balance or loan terms

To Whom It May Concern, It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer. The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied first to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed. Upon receiving this written request, before the end of the XXXX day period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund. I am aware that the written statement is required considering that I am have made this request in writing. It is noted that I, the consumer, shall be entitled to XXXX free annual statement each year without charge.
Complaint sub-issue: Account status

An alleged debt in the amount of approximately {$280.00} was reported to Equifax XXXX for an account from XXXX ( acct. # XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX sold Loan 20 to Discover bank ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXX by  XXXX XXXX. XXXX XXXX has been the collection agency on this loan : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of XXXX is XXXX years. I XXXX school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XXXX XXXX. Discover has been fraudulently trying to collect on this loan through XX/XX/XXXX, XXXX and discover bank. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. Discover bank stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2019 And XX/XX/2019 this XXXX account popped up on my credit report which I was never aware I had given my information to any company in the passed months and I called them to get rid of it they said to contact XXXX and its just been a back and forth situation I need it to get all these off of my report
Complaint sub-issue: Problem getting your free annual credit report

I 've been trying to receive my report from Equifax for 4 years! They give FALSE questions online to deny access! ( People assume ID Fraud based of this Equifax scam ) Equifax does not sent the report after sending them copies of license, Bills, SSN, Tax info ect. This company does this so they can charge you! They are breaking the federal law stating all consumers can receive one free report a year! I want my report that EQUIFAX owes me! The fake questions need to end and this company needs to comply with the law or be fined! Many online complaints state they do this to a lot of people! Enough is enough!
Complaint sub-issue: Account status incorrect

I have a loan with XXXX XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.
Complaint sub-issue: Debt is not yours

on XX/XX/2018 i disputed a medical bill form XXXX XXXX XXXX on XXXX  and XXXX  credit reporting agency because i don't recall owing that debt. The medical bill was removed from XXXX  but not from XXXX  amount {$110.00}, i have tried unsuccessfully to dispute it again through XXXX  online dispute numerous time, but their system doesn't seem to work consistently because i am constantly getting error messages ( please see attached below ). a few weeks later I received a letter from XXXX XXXX XXXX date XX/XX/2018. I don't think i owe this balance and its adversely affecting ability to conduct any business.
Complaint sub-issue: Reporting company used your report improperly

All of my personal credit information including social security number was made public in a security breech of Equifax. This I understand to some extent - although a massive security failure, they are likely under constant low level attacks. However, what I do object to, strongly, is that I did not find this information out from Equifax. Instead, I had to find it through the media, more than a month after Equifax discovered the leak. This is grossly negligent of the company, as many consumers may find they have suffered identity or credit theft that could have been avoided.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I received a promotional offer for XXXX bonus miles if I spent {$4000.00} in 3 months, I'm pretty sure it was a direct mailing but am not 100 % sure as it was a while ago. I signed up for the card in XX/XX/XXXX. I spent more than the {$4000.00} and waited several months before contacting them as I still had not received the bonus miles. The customer support person said I didn't qualify because I had a similar card in XX/XX/XXXX and therefore didn't meet the requirements for the bonus. So, one, why did I receive the offer. Two why did it allow me to sign up for the offer online if I didn't qualify. The card comes with an annual fee plus I would have signed up for a different offer and used my money elsewhere. The customer service person was completely understanding and said it's a common complaint. So they know it's an issue but do nothing about it because they get people to sign up for the annual fee and profit from it. This is yet another bank profiting from a broken system.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is my eighth CFPB Complaint requesting to remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that sme Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. I am submitting this complaint to notify the Credit reporting Agencies that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. Again, I am in need for the following items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$29.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$2700.00} 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: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX
Complaint sub-issue: Account status incorrect

We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through NELNET ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current.

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted NELNET several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with NELNET that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, because of insufficient security safeguards, Equifax announced that they allowed my personal information, credit report, and possibly my credit card numbers to be accessed illegally by third parties. They have set up a site to verify that you are a member of the effected class, and I have confirmed that I am a member through this method. I declined to enroll in their protection program, because it would force me to waive my right to join a class action suit regarding this incident.
Complaint sub-issue: Debt is not yours

In accordance with the Fair credit reporting act XXXX account # XXXX Americollect INC. 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 instructions
Complaint sub-issue: Account status incorrect

have disputed the late payments on XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX account for months with no result. Not only that, Equifax also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Other problem getting your report or credit score

XXXX  is reporting my payments every month through XXXXXXXX. However I'm noticing that the principle balance goes to what I paid it down to. Which is resulting payment percentages going up. That's misleading it makes it appear that I'm NEVER making payments. Original Loan is {$2700.00}. 
There is a consorted effort with XXXX, XXXX, XXXX, Equifax and FICO. 
I have 15 months of screen shots. My FICO was XXXX XX/XX/XXXX and has dropped to the low 600 's ( with NO 30 day late payments and under 30 % ). When I dispute items and it goes in my favor, ( my FICO NEVER moves ). Fed loan reported a {$50.00} payment my FICO shot up to 52 pts, but then that following month when I made a payment of {$290.00} my FICO never moved at all. I can never get to a good status, as soon as I do, here comes another false report ( Out of nowhere ). Case in point. Yesterday XXXX XXXX reported to XXXX  that my balance went up {$240.00} and my FICO went down 2 pts. Yet my last payment on XX/XX/XXXX was NEVER reported. As of XXXX balance is {$2100.00} but that's isn't reflected. 
Last month XXXX  removed both of my credit cards with out my consent and my FICO fell 52pts ( the points that I accrued from the {$50.00} XXXX  XXXX payment, which I never made it was a {$91.00} payment ) Equifax also continues to report incorrect updates to my balances as well.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I Have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I see a new item with JEFFERSON CAPITAL SYSTEMS as XXXX XXXX. The reported debt is listed for {$260.00}, and recorded as in collections starting XX/XX/2022. The XXXX account is not from recent years and in my knowledge, was closed out without a balance and paid. I have not received any proof/verification of the debt from JEFFERSON CAPITAL SYSTEMS, nor details about when the debt was purchased. This is damaging to my credit reports and scores. I have also contacted XXXX in the past for debt verification, and it was never furnished.
Complaint sub-issue: Didn't receive enough information to verify debt

This complaint is regarding Carmax and a GAP insurance regarding an automobile which was supposedly traded in for another and resulted in theft and fraud against my person. 
The issue revolves around a XXXX XXXX XXXX, which was traded at XXXX XXXX XXXX XXXX XXXX and which was subsequently stolen by the company after they never made payments. The XXXX I had had an extensive GAP insurance which I paid into without any problem or late history and which was intact when the car was traded into what i believed was a legitimate company. When I was defrauded by XXXX XXXX XXXX XXXX XXXX, I immediately contacted anyone who would help me, including an Attorney by the name of XXXX XXXX XXXX. Who I contracted to help me get XXXX XXXX XXXX XXXX XXXX to comply with my requests, to no avail. 
During this time Carmax has reported the car as a repo/default on my consumer credit files and refuses to look into this matter. Numerous disputes have gone nowhere. 

I have and am including the contract from Carmax and the GAP insurance with specificity to the clauses which cover theft or other matters. Carmax may have forgotten that I signed for this and made my payments on time with no derogatory marks. When I need them to look into the matter nothing comes of it. 

I would ask assistance in this matter by the CFPB to help mediate the matter. To help me get Carmax to comply and conduct an actual investigation into the matter and assist me in getting this error in reporting removed from my files so I can move forward and put this terrible ordeal behind me. 

The attorney that assisted me during this time was : Mr. XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX : XXXX
Complaint sub-issue: Frequent or repeated calls

They call my parents house repeatedly, all day despite them not being associative with the account in any way.
Complaint sub-issue: Didn't receive notice of right to dispute

Not only was the debt collector i did speak with abusivive, harrassing and rude, but there is a specific phone call i am referring to. XX/XX/2020 the debt collector was abusive and inferred me being a child after telling him this was not my debt, was condescending and rude. 
XXXX XXXX also decided to call me frequently during work hours after i disclosed not to. XX/XX/XXXX. And i was never given written notification or phone information to dispute the debt within 30 days. XXXX XXXX is with tekcollect. His extension is XXXX. I was harrassed into paying off half of the debt. They would not give me phone call logs from these dates
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The following status is Incorrect and unverifiable XXXX XXXX Account Number : XXXX Delete this account. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Delete this account. 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 8. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 9. The account status is unverified and incomplete Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit immediately.
Complaint sub-issue: Debt resulted from identity theft

I was a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Information belongs to someone else

I have been for over a year now trying to work with the company to have these items that are not mine removed from my credit files and it is now ruining my credit. I received mail with another young ladies name showing that these are her accounts and not mine. Per looking at my credit reports, the payments have been on time and I am not the one that is making these payments! Now since I have had to call each agency to have the accounts closed it has started to ruin my credit. The agency has sent me letter stating that they have asked the credit bureaus to remove the accounts from my file as it is fraud, but the credit bureaus are all stating that the company sent them a statement that the items are mine. These accounts are not mine and were opened fraudulent
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I viewed an hard inquiry on my credit report from XXXX Dated XX/XX/2018. Couldn't track down the address or who to contact. According with the Fair Credit Reporting act I am requesting that they met and demonstrated that their hard inquiry for XXXX XXXX met the requirements, pursuant to the Act.
Complaint sub-issue: Fee problem

I received a {$100.00} non refundable legal fee on my checking account because California Child Support made an error in sending a Levy to the bank that should not have been sent for a past due balance on Child Support. I have made my Payments on time each pay period. First Tennessee charged {$100.00} to process a {$290.00} levy that was an error. I called twice on XXXX-18 at  approximately XXXX-XXXX. They told me that even if it is an error they werent going to waive the fee because its non refundable. This totally wrong and another example of a bank abusing its Financial Power.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX, Equifax and XXXX multiple times since XX/XX/2022 to validate and remove inaccurate information on my credit report regarding a XXXX XXXX XXXX collection account number XXXX. I have sent multiple letters requesting deletion of this inaccurate information and XXXX, Equifax and XXXX have failed to respond or validate this debt in violation of FCRA. This inaccurate collections account is severely affecting my credit report and causing great financial harm. 

Please have this account deleted from my XXXX account.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME THEY STOLE MY IDENTITY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX # XXXX is reporting a balance on a collection I have already paid. I paid this collection in full but it is still displaying on my credit with a balance and it needs to be removed.