Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

There were two ( 2 ) unauthorized hard credit inquiries made by XXXX XXXXXXXX XXXX ( GA ), which were revealed on a credit report I pulled directly from Equifax 's website on XXXX XXXX, XXXX. 

I then started working directly with me creditor ( XXXX GA ). After a long and involved investigation, the creditor agreed with me, and formally approved the removal of their XXXX XXXX, XXXX and XXXX XXXX, XXXX hard credit inquiries. XXXX GA then advised me that they sent two separate requests to all 3 credit bureaus in the U.S. ( Equifax, XXXX and XXXX ) to remove these two hard inquries. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including to Equifax U.S. ) in XXXX. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including Equifax U.S. ) on XXXX XXXX, XXXX. In addition to the creditor directly requesting the removal of their hard inquires, I also disputed them directly with Equifax U.S. for good measure. 

Despite the creditor requesting the removal of the two hard inquires directly, and me filing disputes directly with Equifax via telephone, online and fax, requesting removal of these two hard inquiries, in XXXX, XXXX, XXXX, XXXX XXXX ( and again today ), as well as several telephone calls to Equifax in between my formal dispute filings, the two hard inquires still remain on my Equifax U.S. credit bureau report ( as confirmed in another telephone conversation I made directly to their offices today ). 

I also sent Equifax a formal letter requesting the removal of these unauthorized inquiries, enclosing all requested documentation, including the letter from the creditor, and gave them direct contact information for the creditor, for any questions. 

I have provided everything possible to Equifax to facilitate the process and confirm the information I have given them. The creditor has requested the removal of the credit inquiries. My creditor advised me as of today, they in fact sent the XXXX XXXX and XXXX XXXX requests through an online system customarily used by the banks and credit bureaus to share this type of information and to send these types of requests. 

Equifaxs failure to properly investigate and remove these two unauthorized hard inquires has greatly compromised my credit score, thus, making it very difficult to obtain reasonable interest rates for credit products, affordable housing, and the ability to get a job that conducts background checks that also incorporate credit reports/scores.
Complaint sub-issue: Confusing or misleading advertising about the credit card

This was a secured MC credit card from Citi, located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. I closed this card in XXXX of XXXX. There was an outstanding balance on the card at the time it was closed ; at that time, I was given to understand that I would continue to make the monthly payments until the balance was XXXX, at which time my deposit of {$200.00} that was used to open the account would be refunded. I called to check on the progress the first time on XXXX, at which time I was told by customer service that the check was processing, and I should expect it at then end of XX/XX/XXXX. I called again on XXXX, and was told the same thing ... the payment had been issued, and I could expect the refund of my deposit at the end of XXXX of XXXX. Since I still had not gotten it as of today, XX/XX/XXXX, I called the company again today at XXXX EST. This time, I was told a completely different story : that since I had a balance per the XX/XX/XXXX statement of {$220.00}, that my security deposit was applied to that amount, so when I went to pay my bill on the XXXX of XX/XX/XXXX, all I owed was {$27.00}. I was surprised, because I knew the outstanding balance was more, but I paid up. So, I was very frustrated to find out TODAY that the above is what happened without my input ; in other words, I was not given the opportunity to ACTUALLY pay the balance off so that I could get my deposit amount returned to me. I let the customer service agent, and the supervisor of accounts payable named XXXX, know of my ABSOLUTE frustration with what I called their behind-the-back, snake-in-the-grass, and underhanded way that this situation was handled. I would have appreciated being reminded of this clause in the terms at the time that it happened, and thereby expecting NOTHING to come back to me, instead of being led on by false promises of a refund that they knew they were NOT GOING TO ISSUE AT ALL thanks to the way they applied my refund to the outstanding balance that I KNEW I had from the beginning instead of giving me the option of ACTUALLY PAYING IT OFF so I could get my money back. I was advised to call back on XX/XX/XXXX to accept a {$25.00} credit, which XXXX emphasized that he was not supposed to do, as if that would make up for the fact that I'd been cheated out of my deposit amount of {$200.00} thanks to their underhanded way of doing business. I will NOT be calling them back on XX/XX/XXXX or any other time to get their chump change, but I decided that I would make known their less than honorable business dealings that they practice so they can get out of refunding people their money. So, here it is. I await the results of your investigation. Thanks
Complaint sub-issue: Debt was paid

Enhanced Recovery Company , LLC located at XXXX XXXX XXXX, XXXX FL XXXX ( ERC ) represented XXXX XXXX XXXX on a collection matter in which I owed a small sum of money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I canceled my services with XXXX XXXX XXXX in a prior time frame and had no knowledge there was a balance due after canceling. Originally I thought ERC and one other collection company were contacting for the same account. By the time I realized the account was split up and one was in collection with ERC, I contacted ERC to dispute or settle the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) portion of the outstanding bill. I promptly paid the amount requested and was told the information will be removed from my credit report once the payment has cleared. Additionally, I paid the other collection company that separately represented the Cable TV ( XXXX XXXX XXXX XXXX ) portion of my old XXXX XXXX XXXX bill and they promptly, even without me asking, removed the collection account from my credit report. However, ERC has not removed the XXXX XXXX XXXX XXXX collection account from my credit report. I have called them on at least 4 occasions regarding this matter since XX/XX/2020. On the first 3 calls, representatives from ERC told me that XXXX XXXX XXXX was responsible for removal. However, when reaching out to XXXX XXXX XXXX XXXX  Office of the President, I was told they have no control over removal. Not only did XXXX XXXX XXXX mistreat me and create confusion over splitting up the originally bundled bills between services, which made me think the collections were for the same account, ERC is still creating confusion and circular conversations on who's responsible for removal. ERC was not transparent about their policies pertaining to removing the account from my credit report prior to and after me paying them. The amount due was minuscule and does not require any additional reporting to credit bureaus. Such a small sum of money does not warrant this type of aggressive collection behavior. There is absolutely no reason for it to be there. ERC appearance on the credit report gives a false suggestion that the debt is still outstanding. I am having difficulties obtaining a mortgage because of it.
Complaint sub-issue: Information belongs to someone else

This is a confirmation that I am disputing several fraud inquiries on my Equifax report. I tried to get a solution in the past. I sent Equifax a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. 

I have attached a document. Please send it to Equifax. 

Thank you.
Complaint sub-issue: Was not notified of investigation status or results

Failure to produce any legal evidence or verification for the alleged debts, and is currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.
Complaint sub-issue: Account status incorrect

My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through NelNet but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been XXXX and they told me that the holders on the student loan accounts are XXXX XXXX XXXX and that only they can make changes. I also reached out to XXXX XXXX XXXX  and they told me Nelnet should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both nelnet and XXXX XXXX XXXX  have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.
Complaint sub-issue: Don't agree with the fees charged

In XX/XX/XXXXI took out a student private loan ( XXXX XXXX ) to get thru the struggles of financing school and being on my own. Although I do understand the amount and responsibility I had to repay the loan, the banks had made IMPOSSIBLE to pay back. I make every monthly payment, never late. Once I Finish paying the interest and start on the principal the Banks sell my loan to another company and now I am tied to another interest where I now have to pay another bank ( AMERICAN EDUCATION SERVICES ), I started paying them in XX/XX/XXXX and now that they have collected their interest, They now have sold my loan to ANOTHER BANK ( XXXX  ) and NOW I OWE THEM INTEREST!!! WITHOUT EVER paying the PRINCIPAL!!! I Am ANGRY THAT THE SYSTEM IS a FAILED BANKING LOAN SYSTEM, they should REALLY be CALLED the FRAUDULENT and PYRAMID SYSTEM. I have now PAID DOUBLE WHAT I BORROWED AND HAVE YET TO PAY DOWN THE PRINCIPAL!!!
Complaint sub-issue: Account status incorrect

OnXX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on XXXX of the XXXX reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.
Complaint sub-issue: Can't temporarily delay making payments

I have been attempting to resolve issues of payment for my student loans through Sallie Mae. I have been attempting to resolve this issue since XXXX. I have done two income information reports with them and they have still presented be with astronomical amounts to pay every month that I do not have. Since the start of XXXX they have called me almost two to three times a day. In addition to my co-signer, my dad, two to three times a day ; despite me telling them that my father is unwell and can not barely move let alone answer a phone. The amount of calls have been disrespectful and rude and they come at irregular times of the day XXXX and XXXX. Sometimes the calls are even thirty minutes in between of each other. Also, I am currently in school, despite their website that lists my college as a college that sends over information to them alerting them I am in school, I filled out a deferment form on my own on XX/XX/XXXX, that they now say they never received.
Complaint sub-issue: Debt was result of identity theft

A criminal broke into my unit and stole my XXXX XXXX  among other valuables. Inside my safe were items such as blank bank check books, ID Cards, and other personal sensitive documents. 

The criminal used my blank checkbooks to cash the checks at a XXXX. I received a letter from a collections agency stating that I owed {$1100.00} for the fraudelent check.
Complaint sub-issue: Trouble with how payments are being handled

I am a   XXXX   XXXX    XXXX  who partied in  XXXX . When my  XXXX   XXXX  contract ended, I attended  XXXX  University where I obtained a  XXXX  degree. To cover the cost of tuition acquired federal and private student loans. Shortly after graduation, Citibank required payment on all my private loans. For five years, I made a minimum monthly payment of approximately {$450.00}. Despite payments, every year my loan balance increase because of interest.  Citibanks  IRS Form  XXXX , indicate that I paid {$3100.00} in interest for  one of the previous tax years. I did all I could to keep my loans current, this included using my unemploym ent checks, my credit cards, and selling my financial assets  ( I RAs & stocks ). Citibank eventually sold   XXXX  of the  XXXX  p rivate student loan to  XXXX   XXXX . Since I made my payments using online banking I never realized my account was split-up.  XXXX  and Citibank used the same mailing address and the same account number to identify my account. I did n't even realize  Citibank kept   XXXX   of my loans until I started getting calls from a third party. I contacted both Citibank  and  XXXX  to help resolve this issue but I was told nothing could be done to fix the error. One manage at  XXXX  realized the error was no fault of mine and offered to contact  Citibank on my behalf but unfortunately that was the last time I heard from her. I called Citibank  and  XXXX  and they offered no solution to resolve this mistake. Shortly after acquiring my loans,  XXXX  increased my monthly payment to {$650.00}. I call  XXXX  on several occasions to negotiate a lower monthly payment, and I was told to pay {$320.00} at the due date and pay another {$320.00} before the next due date to avoid going into collections. Managing my payments that way would eventually became very problematic for me. However, I did as I was told for as long as I could, until my contract at work wasnt renewed. I called  XXXX  again to explain my situation and I also explained that I had an arrangement with  Citibank to cap my monthly loan payments at {$450.00}.  XXXX  would not offer any flexible options for repaying loans. I had to decide between, rent, and keeping my oth er deb ts ( credit cards ) current. I am not proud of my financial circumstance ; however, I feel I did all I cou ld to keep my loans from going into collections. As I write this letter I still owe over $ 40K in Federal student loans and I have close to $ 10K worth of credit card debt. I want to pay all of my debts and improve my credit worthiness but at this point in my life I dont make a whole lot of money. Outside of my private student loans, I have never defaulted on any loans or credit product. My federal student loans, credit cards, and car loan are all current. The primary reason for all this is because they were willing to offer me a flexible payment option. Today I can honestly say, my private student loans are one of the reasons for my  XXXX .
Complaint sub-issue: Old information reappears or never goes away

LexisNexis is incorrectly reporting a balance due in the amount of {$65000.00} on a tax lien with the XXXX COUNTY COURT File # XXXX and Ref # XXXX. ( Please see page attached from my credit report. ) This judgment has been satisfied and paid in full. I have attached a copy of the Certificate of Release of Federal Tax Lien filed XX/XX/2019. LexisNexis continues to report this tax lien on my credit report. Since this Federal Tax Lien was satisfied, it should not be reporting any longer. The fact that this is still reporting is a clear violation of the Fair Credit Reporting Act. Under the F.C.R.A. I have the right to dispute incomplete and/or inaccurate information on my credit report. LexisNexis has failed to remove this item despite the fact that I have provided them proof, from the Court, that this tax lien has been satisfied. In addition, LexisNexis has been entangled in a class action lawsuit wherein they were selling consumer information to debt collectors to assist them in collecting debts without treating these reports as a consumer report within the meaning of the F.C.R.A. This continues to show a lack of due diligence in removing inaccurate items on a credit report in a timely manner. I have contacted XXXX County Court, as well as LexisNexis, to remove this item however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

Theres inaccurate information reporting to my credit which Ive tried to resolve previously and the bureaus failed to inadequately provide me with a fair and just investigation.
Complaint sub-issue: Threatened to sue on too old debt

Received a phone call from an unknown number leaving me a message to call back XXXX. I called back. They spoke of a debt that was from XX/XX/XXXX -XX/XX/XXXX? I live in Colorado statue is 6 years. They said that there will be a court hearing on XXXX XXXX. I looked it up and I do not see it on the docket. They also said that the sheriff 's department would be serving me. I called the sheriff 's department and they do not have a record. When I call the number I speak to the same person over and over never identifying themselves.They are demanding XXXX payment via credit card or money order by tomorrow to stop the court process. But as a law office they do n't have to tell me anything they guy was willing to work with me and offered the XXXX payment and XXXX other payments. I believe this is a scam cause I ca n't find that phone number listed to any law offices in the nation.
Complaint sub-issue: Information belongs to someone else

i have filed a notarized identity theft affidavit to support my request. These accounts listed in my affidavit of fraudulent application do not belong to me and need to be removed.
Complaint sub-issue: Personal information incorrect

I looked at my credit reports i found personal information that is not correct. 
My name is XXXX XXXX, these name variations are wrong. 
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX My current ADDRESS is XXXX XXXX XXXX XXXX, XXXX, OH XXXX These address are wrong : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX My employer is The XXXX XXXX XXXX XXXX These are not correct XXXX1099 EMPLOYEE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PASTOR XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX
Complaint sub-issue: Account status

XXXX XXXX has an account on my Equifax file that is outside of the federal obsolescence time frames for remaining on the file. The XXXX delinquency prior to charge off was before XXXX. I disputed this with all XXXX bureaus. XXXX XXXX and XXXX properly removed the item. Equifax left it on which puts them out of compliance with the Fair Credit Reporting Act and ( at the very least ) guilty of negligent non-compliance under the Act. The account number is listed as XXXX. The open date is XXXX. They list an activity date of XXXX ... but this was an adjustment date by XXXX XXXX and not a payment date that brought the account current.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have been trying to get help with both my Citi Card accounts. Our income has been affected by the COVID-19 virus, all I am getting is the run around. Hours spent trying to get help. I have 2 Citi cards accounts ending in XXXX and XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX XXXX ( XXXX )
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

EDFINANCIAL XXXX {$2000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX  XXXX {$840.00}
Complaint sub-issue: Can't get flexible payment options

I have not been able to re-pay a student loan that I took out for my son, with the school that he attended. I spoke to representatives of the agencythat represents the school, XXXX XXXX XXXX XXXX, filled out all of their forms and sent them a request for a hearing. The hearing was denied and even though I said that I would accept arrangements to re-pay the loan on terms that THEY offered, they have only responded to me with another round of threats to garnish any income and the same forms that i previously filled out and sent to them ( that they acknowledged in declining to allow me a hearing ).
Complaint sub-issue: Their investigation did not fix an error on your report

A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to equifax XXXX and XXXX on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint because In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, RXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXXaccount # XXXX & XXXXXXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

From XXXX to XXXX of 2022, i filed a dispute XXXX, XXXX and Equifax about the inaccurate reporting of XXXX XXXX -- XXXX because the Dates Of last activity shows multiple dates which a violation of the FCRA because these bureaus are not reporting accurate info on my consumer credit report. So now I'm contacting the cfpb to step in and help me get this issue resolved. I have not heard from them in over 3 months as of today. Thank you
Complaint sub-issue: Can't get flexible payment options

Called them several times to work out a reasonable payment option. They say that they ca n't do nothing to help me out. I am having finical difficulty at the moment. I was up to date on my loans for a good year, but now I am in a slump and they are not willing to help me out so we can resolve this issue.
Complaint sub-issue: Can't use card to make purchases

I made a {$750.00} payment that has been debited from my bank account. The payment is not being reflected in my available credit. I have attempted to resolve this with the credit card company but have been unsuccessful. The company is holding my money illegally.