Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

I contacted XXXX Servicing to help them track my Public Service Loan Forgiveness, and was informed was informed that I should transfer my government loans from XXXX to XXXX. The transfer was recorded on XX/XX/XXXX. I uploaded the previous document payments made to XXXX to submit them for counting towards my PSLF payments. Over the next several months I checked the website and made several calls to customer service in regards to that they were not tracking my PSLF nor taking off the 73 qualifying previous payments from XXXX. All the calls I made took over an hour with no changes in my account. The reps would tell me that I needed to wait another 30 or 60 days for them to review my files. Then I started documenting calls. 
XX/XX/XXXX Spoke with XXXX agent number XXXX and was told that I had to request for them to take off the " pay it ahead '' status. I did, and XXXX told me to call back. 
XX/XX/XXXX I called back and asked to speak with a borrower serving advocate and was connected to XXXX agent number XXXX at extension XXXX. She told me not to worry and that after reviewing my previous payments that I everything would be " fine '' and I should call her back in 45 days and my account would be updated to reflect all of my payments were eligible for PSLF. 
XX/XX/XXXX Called and spoke with XXXX again and she told me she did not know why my account and would call me back in 2 days XX/XX/XXXX called XXXX back as she did not return my call. Left her a voice mail XX/XX/XXXX XXXX left me a VM reporting that she was still working on the case and that she would call me in a few days. 
XX/XX/XXXX XXXX left me a voicemail ensuring me that she was making progress on my case and that she would call me on XX/XX/XXXX if not sooner.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY  MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019 2019
Complaint sub-issue: Reporting company used your report improperly

I check XXXX XXXX  regularly and noticed that someone pulled my credit for a mortgage. I have no need for a mortgage and this isnt the first time I have seen where someone tried to use my credit and personal information. On my Equifax report, it showed a inquiry for a mortgage. This was back in 2019. Also, there was a credit card I had that had been used without my consent because I didnt authorize anyone to use it. I keep all receipts and monitor my accounts regularly. My identity was stolen after a car accident and a former physicians office and public hospital had something to do with it.
Complaint sub-issue: Information belongs to someone else

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 need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record

The following shows up on my equifax credit report. 

( Preferred Customer Account ) Account Number : XXXX Account shows open with a balance of XXXX. This was included in my chapter XXXX bankruptcy and was discharged on XXXX/XXXX/2016.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

I was called out of the blue by a debt management company that came in possession of a loan that was pulled under my name. I thought it was a scam when they asked me to pay XXXX dollars to them to keep them from sueing. Now someone gave me papers saying I'm being sued for not paying off a loan i didn't pull.
Complaint sub-issue: Account status incorrect

To Whom It May Concern : My mortgage company reported that I was 30 days late for my XXXX payment. There were issues with my bank as I was using a new account. The payment had been submitted twice and I was told that it was received ; however, three days later, I received an email ( each time ) stating that the payment wasn't processed. 
After the second attempt I submitted a payment via another bank and the payment was processed on XXXX. I called my mortgage company ( as I have been told that I am a valued customer and I have not had any late payments in over a year ) and ask them to rescind the late notice as my credit score dropped almost 100 points and they refused. 
I also mailed the request in writing. 

Thank you
Complaint sub-issue: Account status incorrect

I had an auto loan with XXXX XXXX which began XX/XX/XXXX. The auto loan was completely paid off in XXXX of XXXX. Also in XXXX on a recorded call XXXX agreed to remove ALL late payments on my credit report. The reference number to the XXXX case was XXXX. After a couple weeks of not removing it. I called back in XXXX to check the status. The representative acknowledged that she seen the agreement from XXXX and was confused of why it wasnt yet resolved. The rep open a separate case to attempt to get it resolved faster. The XXXX reference number is XXXX. As of today the late payments for XXXX and XXXX are still present on my credit report. XXXX XXXX failed to remove the negative marks as agreed. Im requesting XXXX XXXX to remove these negative marks from all 3 credit bureaus Equifax, XXXX and XXXX as soon as possible.
Complaint sub-issue: Didn't receive enough information to verify debt

They reported inaccurate information on my credit report.
Complaint sub-issue: Debt was paid

Subsequent to an Eye care visit covered by Insurance ( XXXX Veteran ) XXXX alleged a debt of {$270.00}. They reported to Credit reporting agency in XXXX. In XXXX PlusFour Inc. is attempting to re-age debt and refiled with Credit reporting agency.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a set of appliances with Home Depot in XX/XX/XXXXand have yet to received any indication as to when will my merchandise be delivered. I specifically asked a sales representative in store about the items purchased before purchasing if the items were in stock. I was told that if the items were available online that it is and should be delivered within a couple of weeks. I was going to place the order in-store however there was a few people ahead of me there fore I placed the order online instead on XX/XX/XXXX. Today, I still have yet to receive any correspondence from HD however, I have already received a bill due by XX/XX/XXXX for a payment of the purchased I haven't even heard from. Called HD and no time specific on when will the items be available. This totally breaks the special financing offer they claim to have if they are starting financing from the date of purchase and not from the date the item was delivered. What if upon delivery some of the items were damaged? Do I have to wait longer and keep paying?
Complaint sub-issue: Can't get flexible payment options

Basically I was given a private student loan from Discover of around {$37000.00} for about XXXX semesters ( XXXX summer plus a full year ) of film school with the XXXX XXXX XXXX University. When it came time to get another loan for my second full year of XXXX, Discover informed me that they were no longer doing business with my school and that they would not be able to give me another loan. Because of this, my Dad had to go into debt by getting a parent plus loan for my second year and after that I was unable to continue attending the school. I was able to earn an XXXX degree but not the full XXXX degree. Now I am barely able to find work and I have had to get in even more debt pursuing other degrees to keep from paying back unimaginable loan debt. I do n't mind paying back my federal loans, but my private loan has now soared to more than {$53000.00} ( For ONE year of XXXX ) with current payments of {$570.00} a month. I 'm not sure who ( other than myself ) is more responsible for my current debt, Discover or the XXXX XXXX XXXX University but either way I was duped ( at age XXXX ) into an enormous amount of debt that will be impossible for me to pay off. My biggest concern with Discover is that had my Dad not taken out that additional loan, I would not have been able to do even more than one year of XXXX and how would I be able to pay back anyone without the benefit of an actual degree? This does not seem right and I would simply like a review of both my loan and my former school to determine if any fraud was applied to my situation. Thank you for taking the time to assist me with this matter.
Complaint sub-issue: Debt was result of identity theft

ID Theft Victim. See letter attached, and report. If not resolved, legal action will follow!
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX Discover closed my account, and on XX/XX/XXXX sent me a cancellation of debt ( 1099C ) in which has been filed with my Federal Taxes. According to my three major credit reporting agencies, Discover is continuing to show a past due balance, as well as marking my account as negative on a monthly basis. I have disputed the information being reported several time, and in all occasions, they state the information is correct. I wish to have my credit reports showing the balances and no longer show negative on a monthly basis.
Complaint sub-issue: Account information incorrect

They have added interest on a charge off account which is a violation of the FCRA. Delete immediately XXXX  XXXX XXXX from my credit report!!
Complaint sub-issue: Account information incorrect

I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from XXXX XXXX XXXX. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XX/XX/XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.
Complaint sub-issue: Their investigation did not fix an error on your report

Sent a letter to validate a bankruptcy on my Lexis Nexis report. As we all know, the bankruptcy courts DO NOT comply with credit reporting agencies. Who gave you permission to report on my behalf? Where did you get your information from at the courts? I want their name, number, email, address and department information.
Complaint sub-issue: Information belongs to someone else

I have reviewed my Credit Report and seen a Number of Fraudulent Accounts and Inquiries. I have contacted the Creditors and they stated that they have No Evidence of my Credit with them.
Complaint sub-issue: Debt is not mine

XX/XX/XXXX I had an XXXX at XXXX XXXX Medical Center and my Medicare Plan was with XXXX XXXX XXXX XXXX of TX. I paid {$120.00} for the procedure. 

On XXXX XXXX, XXXX I had another XXXX XXXX at the same place in the same XXXX and was advised that I had a {$120.00} copay. Due to complications I was not admitted but put on observation status and released before 24 hours on XXXX XXXX, XXXX. 

I paid the {$120.00} that was authorized by XXXX XXXX XXXX XXXX. 

I got a bill from XXXX XXXX Medical Center in XX/XX/XXXX stating I owed {$220.00}. I had already paid {$120.00} and I questioned that bill. I even sent in paperwork requesting financial assistance as I did n't understand the bill. I was told by someone that " XXXX XXXX '' was billable. I could not pay the bill as I had paid {$120.00} prior to the procedure. 

I contacted XXXX XXXX XXXX XXXX who advised me that I was only responsible for the {$120.00}, not anymore. I called XXXX XXXX Medical Center and they claimed that was not true and by XXXX XXXX, they filled a collection on my credit report for {$220.00}. 

I disputed the XXXX bureaus and it was removed. 

Now, it 's XX/XX/XXXX and someone named XXXX ( Global Receivable Collections ) has filed on the all three bureaus dropping my score to XXXX. I just bought a house and had a XXXX at the time. 

I have once again called XXXX XXXX XXXX XXXX, I was given a case number and this company claims they do n't know where my debt came from but they have it and I owe it. I do n't owe them anything, I do n't owe XXXX XXXX XXXX XXXX anything and have no clue, other than from watching XXXX XXXX on " XXXX '' that someone used an excel spreadsheet and bought this debt that has been written off by XXXX XXXX XXXX XXXX and they are trying to collect. 

This is wrong, this should be illegal. I dont ' owe {$220.00} to anyone! XXXX XXXX says I do n't and I had a reference number and this company refuses to contact XXXX XXXX XXXX XXXX because they have no clue where the debt originated. They wo n't talk to me about it. 

I have NOT received mail from them. I have received phone calls that no one answers and they have called my work phone! What XXXX is wrong with America!
Complaint sub-issue: Information is not mine

I have included documentation proofing original account not mine. incorrect original account #. In addition, wrong delinquent dates according to XXXX XXXX. This company is not only reporting an account that is n't mine but the deliquent date of this account is re-aged. I have provided proof and sent in writing. I received a response on XXXX/XXXX/17 from equifax that dispute was verified as correct.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent a dispute letter to equifax in regards to inquiries that are appearing on my report that I did not authorize. I received a letter in the mail that told me I needed to reach out to the companies directly. This bureau is illegally reporting inquiries that are not factual or authorized. With all of the breeches that have taken place within this bureau I dont think it is fair to tell everyone that they should reach out to companies. I want those inquiries removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint about my XXXX  mastercard. It was reported to the 3 credit reporting agency 's that this account has been late 3 times. The first remark was made back in XXXX of 2020. I am in a special program with them due to loss of work from pandemic. Agreement is to make a minimum payment of {$22.00} per month till the end of XX/XX/2020 and my interest rate lowered. I have made more than the minimum payment required and the account has NOT been late. Today XX/XX/2020 it was reported again as more than 30 days late. I contacted XXXX cards and explained that having this account report to XXXX, XXXX, equifax, XXXX XXXX, XXXX XXXX  is reporting wrong. The rep agreeded that the payments have never been late and I have more than the agreed upon monthly payment plus I made my XXXX payment early. I was told she will send over an e-mail to the correct department and it should be corrected and fixed. I am submitting this complaint because I want to make sure they follow through on this correction. Having this account report as 30 days late 3 times is really affecting my credit score in a very negative way.
Complaint sub-issue: Debt is not yours

To whom it may concern, AFNI has decided that I owe XXXX XXXX XXXX {$270.00}. XXXX XXXX XXXX has said they have no knowledge if this account and this is fraud. I received no communication from them and the bill juts appeared on my report. I have had the same XXXX  phone number for 22 years and my account is current.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX we had someone come to our house to give us an estimate of how much our new windows will cost us he then said it will be {$5300.00} if we pay by XX/XX/XXXX but any day after XX/XX/XXXX the Company Greensky ( Loan Company ) will then start charging me interest which i understood .I come to find out the the Company Greensky which gave me the loan for the windows are stating that i was given false information by the representative that came in that date and that the promotion was only for 12 months and not 18 months which would of been XX/XX/XXXX XXXX then find myself with the surprise that not only i been late but i now have to pay from {$5300.00} to almost {$8000.00} since they gave me False information .What i ending up doing was paying the 3 months that was " late '' which was {$630.00} for it not to affect my credit since this shows up in my credit report.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

at XXXX XXXX EST on XX/XX/XXXX, I received a phone call on my XXXX that said it was from my stepmother XXXX. When I picked up the phone, it was a debt collector who called herself XXXX. When I insisted she tell me how she got my stepmother 's phone number, she refused to answer me and kept talking about a debt I supposedly owe. I asked her twice. She also refused to identify what debt collection she was calling from, then promptly hung up on me. 

" XXXX '' also left a voice message for me on my stepmother 's phone. XXXX claimed to be leaving a message in regard to wanting authorization to do glass work on my XXXX XXXX XXXX - something I have not asked for. XXXX completely lied. 

XXXX 's phone number is XXXX. She works for : Recovery One XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Toll Free : XXXX
Complaint sub-issue: Reporting company used your report improperly

I received an email from this debt collection agency XXXX XXXX XXXX XXXX XXXX 

My rights are being violated in several ways. 

15 U.S.C 1681 602 A States I have have a right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish any account without any written instructions. 

15 U.S.C 1692C states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Information is missing that should be on the report

My Equifax Credit File is missing positive information about my credit history ( Credit Cards, Auto finance..etc ). This was happened on XX/XX/XXXX when i check Equifax Credit Bureau Report., my name shows old last name and all my positive accounts got deleted, account removed while back that came back, closed account on XXXX is reported as active and current employer removed..etc..The result, I dont have any credit history as per Equifax., ( i got denied for a credit card application on XX/XX/XXXX due to lack of credit history ) Equifax always making mistakes about credit file not reporting correct information., and i lost identity when Equifax had data breach incident happened. 
Equifax ruined my Credit, i send copy of my Social Security Card, Drivers License and address proof numerous times to them to correct my personal information but they never corrected.
Complaint sub-issue: Received bad information about your loan

XXXX XXXX XXXX issued a student loan refund to my student Visa card and never informed me of it. The company was then bought out by Nelnet and a check was issued out. I never received the refund. Nelnet is requiring me to pay back a loan that I did not use.
Complaint sub-issue: Account status incorrect

I have been under an Income Driven Repayment program since XXXX of 2016 with a monthly payment of {$0.00}. I re-certify every single year in XXXX. XXXX and Federal Student Loans both reported negative information which lowered my credit score 148 points. In XXXX when it was time to re-certify, I received an email form both companies to let me know it was time to re-certify. I am still approved under that same IDR with a payment of {$0.00} per month as I am a single mother of XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern, This letter is a formal complaint that you are reporting " INACCURATE '', " INCOMPLETE '' and " UNFAIR '' credit information. 

According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I am distressed that the Credit Bureaus have included inaccurate, unfair, and incomplete information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely " ACCURATE '' and " FAIR ''. The following information therefore needs to be blocked and removed! 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX Please see the following exhibits in my one single attachment. 

Exhibit A : XX/XX/2021 See below evidence that the US Bankruptcy Court of XXXX District of New York does not report to any of the agencies. 

Exhibit B : XX/XX/2021 I have opted out of XXXX XXXX, which houses bankruptcy data. 

Exhibit C : XX/XX/2021 I received a letter from XXXX XXXX that this information was removed from my file. 

As you can see from the above exhibits, this evidence supports that the proper procedures and fairness have not been maintained.
Complaint sub-issue: Account status incorrect

EQUIFAX is currently reporting that I have : 1. A revolving utilization of 125 %. The is wrong because I currently have no revolving accounts. 
2. 30 Accounts with balances, when I only have 25. 
3. Total ending balance on revolving and open-ended accounts of {$11000.00}, when I have no valid accounts. 

This information is wrong and needs to be updated.