Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 transunion 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 XXXX 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this many times with all three credit bureaus and have has been not resolved. Specifically, the dispute involved XXXX late payment in 2019. I have contacted the company, as that's what the credit bureaus suggested. The company XXXX states that they have reported no late payments. In fact, XXXX originaly made a mistake by charging me a late payment fee, and adding this information to the credit bureaus. Upon me contacting them the first time, they reversed this information and reimbursed me any late fees that they accidentally charged me. 
Recently the credit bureau 's re added this late payment to my credit report, lowering my credit score more than 40 points, this is affecting my personal finances, and the credit bureaus are failing to provide a proper investigation to fix this issue. They state that they have contacted XXXX and dated all and any information. This is a complete lie, as if they contacted XXXX as I have multiple times, they will know that I have never made a late payment. And fix my credit score. I want these credit bureaus to fix my credit score as they keep adding false information such as late payments that are not factual. 
To reiterate, there should be no late payments under the account held with XXXX
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please remove the following accounts below : 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: Was not notified of investigation status or results

I have  XXXX  open disputes wire Equifax  1.  Dispute number  XXXX  submitted this redispute online late at night on  XXXX / XXXX / XXXX  which Equifax has listed as  XXXX / XXXX / XXXX  which is ok but today is  XXXX / XXXX / XXXX  and this still shows as pending and it is over 30 days I have disputed and redisputed these item s - 1.   XXXX   XXXX    XXXX   inc.  XXXX  original creditor  XXXX   XXXX . We called   XXXX   XXXX   XXXX   XXXX   and gave them both my and my husbands social security numbers they have no records of us never have and they said there is nothing they can do for us. We moved out of  XXXX    XXXX    XXXX   XXXX  and we owed nothing in fact we got our deposit back. We called them and they said the company was sold in  XXXX  and they have no prior records.  XXXX   XXXX    XXXX   is from original creditor  XXXX   XXXX  it is a medical debt. I went in for my yearly well check which is covered at 100 % by my insurance no copay at all. I called the office years ago about that and told them that my insurance says I pay zero for a well checkup. I moved twice since that time and I thought that they understood and were going to correct the bill to zero. I called the collection department when I saw this was on my report and they sent me what they said is proof that I owe them the doctor charged the insurance company for  XXXX  office visits at the same time so for the second charge they billed as a visit with problems which does have a  XXXX  copay. But that billing of the insurance for  XXXX  visits at  XXXX  time as if I had a well checkup and a problem visit was a lie. I was seen by the doctor very quickly had the well check talked and laughed just a very short time and then I was out of there. They added  XXXX  fee to the  XXXX  copay that never should have been charged. I paid them the now  XXXX  charge because we are planning on buying a house and they told me it is my fault I owe the money because I waited to o l9ng to con test it.    2. Disp ute  XXXX  was disputed and redisputed over and over. We lived and worked and paid our State taxes to  XXXX  in the years from  XXXX  to  XXXX / XXXX / XXXX . The state of  XXXX  filed tax liens against us for the years  XXXX   XXXX  and  XXXX . We proved to the  State o f   XXXX   and the credit reporting agencies I sent in the null and void letters that we finally got from the  State  of   XXXX    (  after fighting with them and proving that we never owed these over and over for years. The letters from the   XXXX    Department  of Taxation says that the tax liens were filed in error never should have been done. Equifax still has not deleted these even though the proof was uploaded to them online and tomorrow will be 30 days on this redispute, which has been disputed over and over.
Complaint sub-issue: Their investigation did not fix an error on your report

PNC Bank [ CreditorName : PNC BANK Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am writing to complain about how interest is calculated to my student loan which isn't how I understood it would be charged when I started repaying. For XXXX I paid {$3800.00} to my loan provider. The interest that was collected for the year is {$2300.00}. which means {$1500.00} went to the principal amount which is currently {$51000.00}. My loan interest rate is 4.5 %. This means that I paid more in interest to the lender than what was applied to my loan. If you do the math, 60.8 % of what I paid for XXXX went to interest. This is far, far more than 4.5 % interest. By the time I finish paying off my loan balance I will have paid almost two times the amount that I borrowed which is not 4.5 %. This is just wrong. Students are misled when it comes to the methods lenders use to collect the absolute maximum amount of interest they can while making it sound like a fair agreement where you pay just 4.5 %. 

Another complaint I have is that I defaulted on my loan thanks to the recession in XXXX where I was unable to find work. When I found employment and was able to start paying again I had to enter into a loan rehabilitation plan in order to start paying back my loan and was charged 18 % of my principle balance just to be able to start paying back my loan. This is just wrong also. 

My last complaint has to do with the school that deceived me also. I was told they were an accredited college and that my credits would transfer to the other colleges and universities. It was my plan to attend college after getting my associated degree to get my engineering degree. When I enrolled I was informed that my credits from XXXX would not transfer to the state XXXX college I was enrolling in and that I would have to take all the classes over again. Not only that, but the school I attended was shut down because of deceptive tactics and other dishonorable methods. 

I feel like I have been totally robbed. It baffles me how young adults are taken advantage of and misled by our educational and lending institutions. This is so wrong and so unfair, and it needs to be correct. If we have to mislead people in order to make huge profits then we are selling a product or a service that has no business being sold. 

When it's all said and done, I will have paid over {$80000.00} for an associates degree from a school that was shut down because they were corrupt. I am truly disappointed with this system and how the people who are keeping this country and economy running competitively are so frequently violated. 

Regretfully, XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I am enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I have been enrolled in the program and working for a qualified employer since XX/XX/XXXX. Despite submitting appropriate records including Income Based Repayment forms, annual certification forms for the PSLF program, and being enrolled in the direct debit program, XXXX XXXX XXXX still has not calculated my payments correctly. My loan was transferred to XXXX from XXXX in XX/XX/XXXX. The payments I made with XXXX are not being counted and all the qualifying payments I have made with XXXX XXXX are not being counted correctly. I have spoken with this company 9 times since the spring of XX/XX/XXXX and this situation is still not corrected. My employer has spoken with them twice and given them my correct employment start date, but my qualified payments are still not correct. Based upon my calculations, I should have made 33 qualified payments, but XXXX XXXX servicing is only crediting me with 14.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have some hard inquiry that have not been my authority please I need help
Complaint sub-issue: Was not notified of investigation status or results

I have sent multiple letters regarding unauthorized inquiries and inaccurate account from my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXXXXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Reporting company used your report improperly

The following companies are NOT licensed in the state of Tennessee to collect debts of any kind nor report them on credit reports. I have proof listed below to confirm this information. Per the XXXX XXXX XXXX XXXX these companies DO NOT hold a valid license in the State of TENNESSEE. 
They are violating my rights as a consumer by reporting inaccurate information on my credit report. I did not furnish written consent of any kind to these agencies to report any debts. I have no knowledge of these accounts, any of the debt. 

The accounts and their account numbers are listed as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX 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

I have disputed these accounts inwhich still remains on my report. In my dispute I've requested the Method Of Verification inwhich I have yet to receive. So now I'm requesting that these accounts be removed from my report as stated in the FCRA. The accounts are as following, ( 1 ) XXXX XXXX XXXX {$750.00}, ( 2 ) XXXX   XXXX XXXX  Info. ( 3 ) Bankruptcy, ( 3 ) XXXX  XXXX XXXX/ XXXX XXXX XXXX, XXXX, ( 4 ) XXXX/ XXXX XXXX XXXX XXXX , ( 5 ) XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, also them dates they're reporting are wrong.
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 XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered a bed from XXXX and it never arrived to my house. I contacted XXXX and they told me the item was delivered, showing me delivery confirmation, but it was not delivered. They told me they would file claim with XXXX and I never heard from them. I then filed a dispute with my cc Discover and they did not want to help me. I have been with Discover 14 years and not once have I paid interest with them and rely on them to make secure transactions. Discover did not want to help me with this dispute. {$140.00}. 
XXXX
Complaint sub-issue: Public record information inaccurate

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as SSN and DOB in order for it to appear in your personal credit file. The Credit Bureau has not updated the information and per the new law, true Bankruptcy listed does NOT include this information and should be deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX  and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX you informed me by e-mail that Discover Card responded to my previous complaint but I do not see that response. Moreover, Discover not only failed to resolve my dispute in the latest statement they added new charges for my refusal to pay their fraudulent charges. I therefore file this new complaint with addition of supporting documents. 
The full story is as follows : In early XX/XX/XXXX I purchased in XXXX XXXX XXXX 32 piece chess set as " XXXX XXXX XXXX XXXX XXXX XXXX. '' That set of chess had all figurines of major Republican and Democratic officials except for the Democratic nominees : XXXX  and XXXX XXXX. Inside the box was a pamphlet that indicated that in order to get those two figurine I have three options : 1 ) make an order on a website XXXX ; ' 2 ) call toll free # XXXX ; or 3 ) mail check or money order for {$9.00} + {$4.00} S & H to : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. I chose the third option and mail a check approximately in the middle of XXXX. Regrettably I did not put the date on the check but surrounding that check other check indicates that it was dated approximately XX/XX/XXXX or XXXX, XXXX. 

I did not get any response not did I get any requested figurines of XXXX  and XXXX. On XXXX I used the second option and placed an order by phone using that Discover card. I also used my e-mail for communication. I received a confirmation of that order by e-mail. Two pages of that confirmation is attached to this complaint. 

On XX/XX/XXXX XXXX submitted my check for cashing and it was cashed also on XX/XX/XXXX. ( copy of the cashed check is also attached to this complaint ). I was very upset when I discovered that because I wanted and needed only one set of Democratic nominees. I received that set but was charged twice for those two figurines. Moreover, on XX/XX/XXXX I was charged {$1.00} and {$13.00} for unknown " merchandise. '' Then on XX/XX/XXXX I was charged another {$12.00} for unknown " merchandise. '' I did indeed received two packages from the same California address from which I received original package with XXXX  and XXXX  's figurines. I do not know what was in those packages. Without opening those packages I returned them back. Copies of front of the packages and XXXX XXXX XXXX receipt for accepting those packages for return are attached to this complaint.
Complaint sub-issue: Reporting company used your report improperly

U.S. Department of Education sold my information to XXXX XXXXXXXX and XXXX XXXXXXXX sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, has violated my rights.

15 USC 1681 section 602 a states i have a right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2020 I opened a savings account with Citibank, depositing {$15000.00}. This account was opened in response to a promotion ( Citibank Account Package ) that required that I also open a checking account, which I did. The terms of the promotion required that the minimum deposit ( {$15000.00} ) be held in either of the accounts for 60 days, at which time it would earn a bonus of {$400.00}. I followed all of the requirements of the promotion, but to date the {$400.00} bonus has not been credited to me. The exact terms of the bonus state " The Cash Bonus will be credited within 90 calendar days from the date you complete all Required Activities. '' The 60 day and 90 day requirements have passed, but no payment has been made. I have called Citibank twice ( XXXX and XXXX ) for clarification. On both calls I was passed from one department to another, only to have the call disconnected without any resolution. 

My wife has had the same experience with the bank ( she will be filing a separate complaint with you ), and the dozens of complaints written up by other customers as this site : https : XXXX  indicate that this reluctance to follow through on promises is widespread with the bank. 

I will attach a copy of the Terms and Conditions for the promotion ( which Citibank appears to still offer ) below.
Complaint sub-issue: Debt is not yours

I have never had an account with att and was not aware of a debt being owed until I tried to contact them to become customer, They then said I had a debt. We haggled and they were supposed to have deleted this debt. from my credit report, but it still shows on credit report as owed.
Complaint sub-issue: Information is not mine

Equifax continues to verify fraudulent accounts that I did not apply for. This is very frustrating as I have provided them with a copy of my identity theft report. My credit has suffered severely due to someone stealing my identity. XXXX of the fraudulent accounts are listed on my credit report and they do n't state the companies name, so I have been unable to dispute with the creditors directly. The fraudulent accounts are XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. What are my rights around this? Am I able to sue Equifax for allowing fraudulent accounts to be reported on my credit?