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

On XX/XX/22, I alerted the consumer reporting agencies that I am a victim of identity theft. XXXX XXXX says that you must remove and block any information from the file of a consumer that the consumer says is a result of alleged identity theft within XXXX XXXX XXXX It has been well beyond XXXX XXXX and the accounts remain. Also XXXX XXXX and XXXX have charged the fraud accounts off and sold them to collection companies. It is illegal for a company to report a charge off. The XXXX considers this income. This is tax fraud. This is also a violation of XXXX XXXX XXXX XXXX b by not reporting accurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX says that you can not furnish an account without my written consent. I have not given anyone written permission.
Complaint sub-issue: Information belongs to someone else

XXXXXX/XX/XXXX - {$5900.00} - THIS CREDIT FILE DOES NOT BELONG TO ME
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX
Complaint sub-issue: Trouble getting a working replacement card

The XXXX XXXX XXXX XXXX thru Money Network XXXX and XXXX is most likely a way for this company and their cronies to make money off the poor and the government. Withholding stimulus payments and making fees. This all seems like it's purposely hard. 
The card mysteriously isn't sent for months then they send a letter asking you to call to get it. That takes another XXXX weeks. If you even get it. My XXXX  stimulus was directly deposited. The XXXX ones hard to get because they gave their greedy buddies a side piece of action. XXXX. 
This is completely unnecessary except for a few greedy men ti the make money off the many. 

This company needs to be looked into for the good of the people. They have it set up so they make money and/or keep it from those who don't have the resources to fight it. I'm pretty sure there is a class action lawsuit here somewhere.
Complaint sub-issue: Late or other fees

My name XXXX XXXX I would like to file a complaint aganist bank of the west which had given me a fresh start know that i was going ti be charge any monthly fee with having to make a certain amount of atm deposit which will wiave my fee that never was the case i was getting charge nonthly fee of XXXX dollar for about a year and then when i was going through a hard time dealing with covid i was in debt that left me to get overdraft and i had contact them through a personal message and over the phone they had no Sympathy for that they charge me a overdraft fee of XXXX dollar that add up to XXXX something dont know exact so i just left it alone untill i got a letter saying to make my payment to what i owe i refuse to pay knowing they coudnt work with me when this start happening hoping they would waive it to where i can still be a customer there but all im asking is to be refund the monthly charges and for the stress and i never even got my bonus as a new cumstomer opening up a checking out as they Advertise so im a unhappy customer who wasnt treated fairy itstead was put in debt with something that could be resolve if i was give a chance to fix thing instead of being in debt so im looking for action be take what i owe be waive abd refund be taken with the the promise of starting fresh and not being treat fair.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX account number XXXXXXXX XXXX  # XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have privacy rights.

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: Account status incorrect

There is a collection account on my credit report that is posted in error from Hunter Warfield collection agency due to a poorly written contract between XXXX XXXX XXXX and my son. I am the co-signer on my son 's behalf. 

The property manager of XXXX XXXX started harassing me for more payments after I have already paid XXXX towards the 2-year term of a total {$8600.00}. After the manager requested more payments, we informed her we had already overpaid. She stated that the amount owed was XXXX per year. The contract stipulated that the term was for 2 years not one. At this point we discovered there was discrepancy in the agreement regarding payments. The total amount owed was worded confusingly. At this point around XX/XX/2017 my son moved out of the fraternity residence because we could not afford the new amount. After my son moved, we received constant calls and emails to pay the balance of what they thought we owed for 2 terms which would be XXXX per year. After many unsuccessful attempts to resolve this issue, we hired a lawyer who extensively explained to them Washington State law and how it works in favor of those who did not draft the contract, " if there's an internal conflict/discrepancy/ambiguity in a contract, it will be interpreted against whoever wrote it. '' Despite my attorney 's efforts, the property manager took this case to Hunter Warfield Collection Agency. This has impacted my credit score severely.
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 and purpose.
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by XXXX.
Complaint sub-issue: Received bad information about my loan

I have worked with NELNET since 2011 to resolve a complaint I have regarding their servicing of my loan while making payments under an Income Based Repayment Plan under the Public Service Loan Forgiveness Program. NelNet continues to maintain that I consolidated my loans and any payments prior to consolidation do not count towards the PSLF program. I have asked to see the contract where I agreed to forfeit PSLF payments in exchange for consolidation and they are unable to produce it. I believe they operated in bad faith when consolidating my loans without obtaining my permission to forfeit almost a year 's worth of PSLF payments. My new loan servicer has been honest and operated in good faith. As such, I believe this to be a deceptive business practice of NelNet and/or the Dept of Education that is hurting students who are making regular payments under an Income Based Repayment Plan while working with vulnerable populations under the PSLF program. I would like for my payments made to NelNet to count towards PSLF like I was told they would. I do not need NelNet to call me and tell me the exact same thing they have told me XXXX or more times over the past years. I need someone to hold them accountable for their deceptive and abusive loan servicing practices. Thank you, XXXX XXXX
Complaint sub-issue: Banking errors

I have transferred money from my XXXX account to my Discover checking account on three different occasions. None of the transfers have shown up in my Discover checking account. The dates and amounts are as follows : XX/XX/XXXX {$240.00}, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. I have talked to XXXX and they tell me the transfers are successful on their end. XXXX has provided tracer numbers on two of the transactions which I will attach in the complaint. Discover says they have not received the deposits from XXXX and are having trouble verifying the tracer numbers provided by XXXX. XXXX has verified my Discover checking account number and routing number. I don't know what else to do. XXXX says the transfers are successful and they show them deposited to my Discover checking account. Discover says they do not see the deposits. Please help me locate my money.
Complaint sub-issue: Problem with customer service

I was transferred from XXXX and everything seemed ok, but then I needed my employment certified. I have been trying to get it certified since XXXX maybe XXXX at this point. I have emailed and called numerous times. I have spent over 10 hours on hold or talking with customer service all have assured me it will be taken care of. XXXX I'm on the phone now waiting to talk to a supervisor, I'm sure it won't happen. If I turn in the next six months of certified employment they will cancel the request and say this is a duplication form. I also initially had the wrong payment plan set up which I repeatedly asked about and was told it was fine.. it wasn't and would have made me ineligible for the PSLF. I am starting to believe that MOHELA feels this is a game make us wait it out and see how long until we give up. I have worked for the feds for 15 years and it's my right to have PLSF. I'm not sure why they are doing this to good people, I have had four different loan providers over the year and this is by far the absolute worse service I have ever had.
Complaint sub-issue: Information belongs to someone else

These accounts still appear on my credit report that are part of my identity theft case.
Complaint sub-issue: Banking errors

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX : We understand you have requested that Bank OZK ( Bank ) cease further communication with you ; however, in accordance with your request, please see the information below. 
The Bank mailed a check to you in the amount of {$100.00} via XXXX  ( tracking number XXXX ) dated XX/XX/2022, with a signature required ; however, the package was returned to the Bank after several unsuccessful attempts at delivery. We have sent the check again via XXXX ( tracking number XXXX ) and have been notified that it is being held at the XXXX facility located at XXXX XXXX XXXX, XXXX, GA. If you are unable to pick up the package at the XXXX  facility we will recall and send via United States Postal Service ( USPS ) certified mail. With receipt of the check through XXXX or USPS, the Bank considers the matter closed. 


You are going to recall you check and send it by USPS or I will show you how much further I can escalate this. Stop playing around, you didn't send it to a XXXX  location 12 miles from my house with 2 closer locations and I didn't ask for it to be picked up I have no, repeat, ZERO obligation to drive 12 miles away to get my check your employee 's are just careless imbeciles. Now send me my check or I promise you that this will get much worse, and very legal, and very expensive for your bank, very very fast, I am tired of your endless lies, fraud, incompetence, and the silly ego exuding from every message you send by clearly a pack of clowns who can not even send a check in the mail without melodrama.
Complaint sub-issue: Account status incorrect

When I was in college a co-signed for a private student lo an ( AE S ) for  XXXX   XXXX  who is now  XXXX   XXXX . About 5 years ago I was told that I could be removed as a co-signer due to the primary account holder making timely payments. Apparently they did not remove me a co-signer and she 's is behind on her payments and now they are reporting me as delinquent as well which has negatively affected my  credit score by  dropping it more than  XXXX  points within the last two months.
Complaint sub-issue: Information belongs to someone else

I HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER
Complaint sub-issue: Inadequate help over the phone

After failing to resolve the issue by an online dispute, I tried to call Equifax to correct inaccuracies in my credit report. The first XXXX CRs I spoke to could barely speak XXXX and kept repeating the same line " upon checking ... '' without addressing my questions. Between them, I was also put on hold for long long times. Finally, I got connected to a supervisor named XXXX XXXX. She, throughout the conversation, refused to answer my questions in a straightforward way. Worse, she refused to answer my questions by misinterpreting them. She spoke like a politician, using languages like " can not answer a hypothetical question '', etc. I was so fed up that I asked for her identification. She got upset and hang up the call without my consent.
Complaint sub-issue: Trouble with how payments are being handled

My name is XXXX XXXX. This complaint is regarding FedLoan Servicing.
In early XXXX, I submitted documentation to switch some recently consolidated loans to the Pay As You Earn payment plan. It is now late XXXX and I am still not switched over to the new payment plan. I have been forced pay over {$1000.00} more on my loans than what I should be paying under the Pay As You Earn plan. I call every few weeks and they say that they will " have it handled soon '' and that 's the only feedback I can receive from them. I am participating in the PSLF program so I am unable to pay their suggested forbearance rates as they do not count towards my 120 payments. The policy says that it should take 7-10 business days to process a repayment plan change. It is nearly 100 days since I have record of FedLoan Servicing receiving the application to change to Pay As You Earn. I 've attached a picture of the certified mail receipt corroborating this. FedLoan Servicing did not even acknowledge receiving my repayment plan application until XX/XX/XXXX, or nearly 60 days after they actually received it.
While the standard policy is that I only have to make one standard repayment to switch, I 've been forced to make 3 to 4 standard repayments. I have contacted them repeatedly over the past 100 days and have never been able to get my application processed. This is incredibly frustrating, especially since this is not an easy process to begin with and I have done all of my due diligence to get these applications processed.
I will at some point have to consider legal action as FedLoan servicing refuses to process my application, costing me hundreds every month and preventing me from making progress against my PSLF program ( which is a major reason why I have chosen to work at a non-profit ).
I desperately need someones help to get this resolved.
Complaint sub-issue: Didn't receive services that were advertised

This problem originates with Equifax. I have been locked out of my account for close to a year. Yet they have no trouble taking XXXX out of my account every month on the XXXX. They refuse to believe I am who I am because after asking me all of the ID questions they start asking me questions about my credit report from years past which I can not possibly answer. I am still locked out and they still take money out of my account.
Complaint sub-issue: Other problem

on XXXX/XXXX/19 at XXXX XXXX  I received an email regarding my costco visa card that said " THANKS FOR CONTACTING US ' I did not contact them! 

Then the y told me me " heres a summary of the recent customer service call regarding your costco anywhere visa. '' THERE WAS NO CALL! 

The email went on to say that .... 

" A card on the account has been reported lost or stolen. '' THE CARD WAS NOT REPORTED LOST OR STOLEN! 
THE IS/WAS IN MY WALLET ON MY DESK 10 FEET AWAY FROM ME. 

When I called customer service all they did was apologize. 

" We're sorry sir it appears we canceled your card because of a security concern. '' THAT SECURITY CONCERN WAS ME TRYING TO USE MY CARD. 
THEY NEVER SPOKE WITH ME THEY JUST UNILATERALLY CANCELED THE CARD FOR NO REASON.
Complaint sub-issue: Personal information incorrect

The credit reporting company Equifax is continuously reporting personal information incorrectly. 

A second address that is undeliverable for mail. 

A middle name that is not authorized due to identity theft in XXXX, 2018. 

Employment should be blank due to ID theft. Birthdate and last 4 digits of social security number should be blank also.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX should not be reporting each inquiry listed as a separate line item on my credit report for the 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Didn't receive enough information to verify debt

I went into my debt relief program in XX/XX/2018 to resolve my Credit Card debt. My Home Depot Account ( Citi Bank ) was part of the program At some point Citi sold the account to XXXX XXXX XXXX. In late XXXX I got a notice that there was a new Collection on my Credit File. I researched the matter and found it to be XXXX XXXX XXXX. XXXX XXXX XXXX more specifically XXXX and XXXX had been working on this account to settle it and finally around XX/XX/XXXX had a verbal agreement to settle the debt as shown in the attachments. After several attempts I tried to contact XXXX myself and was told they would only talk with XXXX. I asked XXXX and they consented to allow me to co-contact them to simply get them to agree in writing what they had verbally agreed to, a commitment letter indicating and agreeing to the amount, whom to make the check out to and where to send the check. When I contacted them they gave me a couple fax numbers and I sent them info and I finally was able to contact XXXX XXXX who referred me to XXXX XXXX who told me she would only talk with XXXX. XXXX has been trying to get the commitment letter, has been told by XXXX their equipment was broken and they could not produce said letter and basically stonewalled us until the original agreement ran out. XXXX was able to renew the agreement the first of XXXX however they have still been unable to get a simple letter of commitment so I can send them a check which I have to settle the account. They are still stonewalling us. We are coming to the end of XXXX and it will be over 60 days that they are non-responsive
Complaint sub-issue: Funds not received from closed account

Citibank has locked my account since 6weeks now, and have withheld my money both in my savings and checking account.I have called them severally and I haven't gotten any positive feedback or response.
Complaint sub-issue: Received bad information about your loan

I called XXXX XXXX, my current servicer, about a week ago just to make sure that everything was in order. I am participating in the XXXX XXXX XXXX XXXX XXXX, and I have about 3 years left of payments. I asked about confirming the date that is on all of my paperwork from XXXX XXXX   which is XX/XX/XXXX. I had problems with my previous servicer XXXX XXXX in that they lost my paper work, and I was put on a forced forbearance for a couple of months. When all was said and done, I had proof that I had sent the proper paper work, and that XXXX XXXX had mis-handled it. Because of that, XXXX XXXX was counting those months on forced forbearance toward my 120 payments toward XXXX. In addition, I had been in a consolidated loan since being with XXXX XXXX in XXXX. XXXX XXXX took over my XXXX XXXX at some point-I am unsure of that date. I called to confirm all of the mis-handled paper work, etc. at that time that they took over the loans, and I was assured that they could see the previous notes from XXXX XXXX and that they would honor that. Fast forward to today. When I called XXXX XXXX most recently ( XX/XX/XXXX ), I was told to " take that date with a grain of salt '' meaning the XX/XX/XXXX date when I am eligible to apply for forgiveness. I was told that they had no record of being in a consolidated loan with XXXX XXXX and they were using the date that XXXX XXXX took over my loans. I told them that I had always been under a consolidated loan since being in repayment because I have always been participating in PSLF ; I work for a government organization. They told me that they were unable to see any notes from when XXXX XXXX serviced my loans, and that I would " have to prove it '' that I had always been in a direct consolidated loan. I find this hard to believe in that they were previously able to see those notes in the past. On top of that, I never did a new consolidation when XXXX XXXX took over. I happened to find my consolidation paperwork from XXXX with XXXX XXXX, so I actually can " prove it '' ; however, I should not have to do that. I also filed an ombudsman complaint both with XXXX XXXX as well as the US Department of Education, and I have not heard back from either organization even though they said that I would hear back within 48 hours. That was at least a week ago, and pushing toward two weeks.
Complaint sub-issue: Account status incorrect

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account XXXX XXXXXXXX XXXX removed from my credit report. XXXX, XXXX and Equifax all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX and Equifax rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act

15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This clearly violates my federally protected consumer rights