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

I filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX  I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXXthru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy
Complaint sub-issue: Didn't receive services that were advertised

My minor daughter is an authorized user on my credit card, and her credit card company reports her activity to the three credit bureaus. According to Equifax, her personal information was exposed during their recent data breach. However, when I attempted to sign her up for the advertised free data monitoring, the Web site refused, stating that " Equifax does not typically have information associated with minors. '' ( https : //www.equifaxsecurity2017.comXXXX ) I received the same information from the call center.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have contacted XXXX to process an dispute few times on my behalf about in corrected in -formation reported in my credit report and always get they same result wish is reporting CO from XX/XX/XXXX thru XX/XX/XXXX and also is showing 30,60.90 days late in XX/XX/XXXX all this information is in-corrected. 
I filed bankruptcy chapter XXXX on XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

After reviewing my report I found numerous accounts and inquiries listed on my report that I have no knowledge of. These items are a result of malpractice or an error.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  XXXX XXXX University XXXX XXXX  XXXX university XXXX XXXX us department of edu us dept of education and address are not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

My debt was paid for by the hospital due to the financial hardship plan that I was approved for. I do not remember the exact date but the hospital XXXX medical approved me for it before they switched to XXXX hospital. Ive also went in and checked to see if this information was still correct and they said this should not be on my credit as well. I paid my sergeant bills as well so i do not know why this is stil on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX DIDNT INVESTIGATE XXXX XXXX XXXX ACCOUNT NUMBER XXXX ON MY EQUIFAX CREDIT REPORT # XXXX. MY PROOF IS A COPY OF DEED FROM XXXX COUNTY COURT HOUSE, MY NAME IS NO WHERE ON THIS DOCUMENT.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem with customer service

Nelnet ( XXXX ) continues to call my mobile phone from an autodialer, despite my repeated requests to be removed from the autodialer. I have informed them that they are calling a mobile phone, and that I want to be removed from the autodialer, and to not call during my working hours ( XXXX PST ). They continue to have me on an autodialer, calling during my working hours, and lied to me today saying despite my request to not be autodialed, that they had the right to continue to do so. They have called at least 6 times since my initial request.. about once per week. When I reminded them of the TCPA regulations, they told me those weren't real, and if my account was delinquent, they can autodial me. I informed them that they may only HAND DIAL my mobile phone number once I inform them they are calling a mobile and request to be removed, they must comply. The man continued to argue that I was incorrect. I used to XXXX XXXX XXXX XXXX, I am quite well versed on TCPA regulations.
Complaint sub-issue: Other problem getting your report or credit score

Equifax after several attempts to get a complete credit report. Equifax sends few pages all mixed up. they will not send a complete report with all the pages they send pages missing and not a full report. Skipping pages and sometimes 3 pages other times 1 or 4 pages. ( I did not request a credit score ) I requested a full detail credit report from Equifax.On XXXX XXXX there claim is on there letter is no current file, no recent credit applied for, no credit in last 10 years just some excuse of there error after error and not sending the full report as requested several times. nothing but the run around with Equifax. I have also filed with the US Attorney office consumer issues. 
My name is XXXX XXXX not ( XXXX XXXX ) as you keep adding a ( XXXX  ) to XXXX you have my social date of birth as well as my name spelled out stop playing games with my name and error after
Complaint sub-issue: Information belongs to someone else

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.
Complaint sub-issue: Trouble with how payments are being handled

I first applied for PSLF in XX/XX/XXXX. I have always been on a qualifying payment plan - since XX/XX/XXXX when I first consolidated with my spouse- I have had one loan ( even though this was a consolidated direct loan ) - forgiven, but for some reason, they have left me in administrative forbearance with this " second loan '' for 3 years. 

My qualifying payment counts keep going up, I reapply every time they do, but I now have AT LEAST 163 qualifying payments and am still not being forgiven. I have been told by student aid. gov that Fedloan needed to remove the forbearance for me to be forgiven, Fedloan said that's not true, so they did not. I have been told that the second loan is my spouse 's part, but he died in XXXX, before I ever applied, and, edfinancial, our previous servicer, said they had forgiven his portion. 

In the meantime, the waiver comes along, and people who were never even eligible are being forgiven and getting thousands of dollars back, and here I sit, watching my qualifying payment count go up, reapplying over and over and over, and am still not forgiven. 

Also : Fedloan is supposed to be transferring these to XXXX, I have not heard one word that I will be transferred or forgiven.
Complaint sub-issue: Information belongs to someone else

I placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : Two inquiries are listed on my Equifax credit file that I did not authorize. They are listed below XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information two times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.
Complaint sub-issue: Account status

XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Equifax reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. They also suddenly repotted that " adverse accounts paid in full will automatically be deleted seven years from the date of last activity. '' However the account was foreclosed not paid in full and has never been reported as paid in full until now. XXXX is unreachable. It bankrupted in XXXX and the phone number Equifax gives us does not provide any way to access anyone. We can not buy a new house until this foreclosure is delete and we have already waited over 7.5 years. I have attached the documents we have sent many times to the credit reporting agencies.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc
Complaint sub-issue: Problem getting your free annual credit report

I requested a free credit report on XX/XX/2018. Have not received as of XX/XX/XXXX. I called Equifax on XX/XX/XXXX and spoke with 4 people over about 75 minutes. My question was simple - what is the status of my request for a copy of the report.

All I got as the run around and long times on hold. They asked for some type of confirmation number, outstanding balance on specific credit accounts, minimum payment on specific credit accounts, etc. I repeatedly told them I did not have the information available and that I was not asking about any information in my file. I told them I did not understand how they were protecting my information by refusing to tell me the status of my request.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I was informed on XXXX XXXX XXXX by my servicer, XXXX, that my Income Based Repayment plan was ending was up for recertification. Due to the astronomical amount of student loan debt I have, my monthly payment was calculated to jump to XXXX. I then submitted my application to re certify and a few days later I received notice that was denied for the Income Based Repayment. I went online to seek what other repayment plans were available and sought to apply for the ( IDR ) Income Driven Repayment. I decided to email to let them know I them that I am experiencing financial hardship and was in the process of filing bankruptcy and awaited their response. Received no response that email. 

On XXXX XXXX, I submitted the IDR application along with my paystubs. On XXXX XXXX, XXXX responded saying they received an incomplete application and needed the pay stubs. I uploaded the paystubs again, and on today XXXX XXXX I was informed I was denied the IDR. I want to make the effort to repay my loans, but their calculated payment of XXXX will be a major hardship to pay.
Complaint sub-issue: Their investigation did not fix an error on your report

Im a victim of identity theft someone got my XXXX  card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Complaint sub-issue: Reporting company used your report improperly

Equifax, due to negligence, has leaked my personal information. I have attempted to contact Equifax to free my credit, and they only seem to be interested in SELLING me credit monitoring services. It is completely unacceptable that Equifax is going to be able to PROFIT from their negligence.
Complaint sub-issue: Trouble closing card

On XX/XX/XXXX Reliacard restricted my account. They told me for suspicious activity. I had a transfer in place to my fiancs account, and I didnt think to wait til it cleared to update my address on the app..apparently they flagged my account demanding I prove identity. I uploaded my documents assuming all would be good and the next thing I know on XX/XX/2021 they tell me they closed my account. Since then we have lost everything. They refuse to give us more information than the funds are being sent back to your state agency. Oregon Unemployment has no idea or information whatsoever on this transfer back to them from Reliacard. Its over {$5000.00}. There is also a transfer that was in progress when they closed my account for no reason, and it has not shown back up. There were three all together that should have been returned from limbo after the account closed. I only saw that two made it back.so since XX/XX/XXXX I have called unemployment in Oregon and Reliacard, as well as uploaded further documents to Reliacard to verify and prove my identity. They have given no date for the return of my money, and they continue to be vague and totally misleading when I ask or call. 
Since this I have lost my XXXX diesel truck to a lien not being able to pay for the repair fees, Ive lost my home being as I can not tow my home since my truck was basically stolen from me, I lost clients I had just landed, I basically have lost everything. This is not a joke this is really happening to me. Please can someone help me..
Complaint sub-issue: Can't close your account

i have called Shell Mastercard twice to close credit card with XXXX  balance and inactivity. 
They said they would close it. However I keep getting statements from them. 
I also have a credit of {$1700.00} that they said they would send me via check. I never received it. 
Shell Mastercard XXXX XXXX XXXX XXXX, KY XXXX
Complaint sub-issue: Reporting company used your report improperly

A violation of 15 U.S. Code 1681a, Under the Exclusion Clause ( A ) ( i ) Equifax must respect my right to privacy. I have a right to privacy ; Equifax is violating my rights to privacy as a Federal protected consumer. There is a need for Equifax to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They have developed an elaborate mechanism for investigating and evaluating the credit worthiness credit standing, credit worthiness, credit capacity, character, and reputation of consumers. 
Through Equifax actions as resulted in Companies/Banks violating 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), that protects applicants from discrimination in any aspect of a credit transaction. Which include Consumer credit, Open-end credit, Credit applications, Standards of creditworthiness and Denial of credit. Equifax actions not respecting my privacy as caused great harm to me and my Family. The banking system depends on accurate reporting and due to their practices as undermine my confidence in the functioning of the banking system.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Reference : The disputed item : Account for credit card from XXXX XXXX XXXX Credit card # ending in XXXX. 
XXXX/XXXX Reported on XX/XX/XXXX Dispute Reason : Ownership : I am no longer liable for this account. 

Regarding the above-mentioned account ; this was the cost of a bed that I have ordered from XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX, Ph : XXXX ) for {$600.00}. The merchandiser arranged the payment through XXXX XXXX XXXX ( affiliated to Citibank ). 
I have disputed this charge with the bank from the beginning of this account, since I received the product damaged. Although it is a general rule in all banks, to accept the dispute if the product purchased was received damaged, XXXX XXXX XXXX insisted to suspend the dispute claiming that ; I must resolve the problem with the merchandiser, but promised to freeze the charge without any interest or fees until the case is resolved. I filed a complaint against the merchandiser with the Attorney General, who made his decision in my favor for a full refund of the product according to the Massachusetts General Law Chapter 93A, for Consumers Protection. The bank was notified with the decision of the Attorney General, however, did not accept the dispute and started to add interest. I raised the case to the District Court for Small Claims that made its judgment on XX/XX/XXXX in my favor for a full refund of the cost, plus interest and court fees. Attached please find a copy of the judgment of the court.
Complaint sub-issue: Account status incorrect

Over a month ago I called XXXX customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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: Problem getting your free annual credit report

On XXXX2019 I tried to get online a free annual credit-report from Equifax. I answered all of the questions correctly, but it was showing up : " We are not able to deliver your free Equifax Annual Credit Report online ''. I tried one more time, but it was showing the same. Additional it shows, that I can request it by mail, but I have to mail copies amongst other things like a XXXX-form and pay-stub with Social Security Number. Since I am XXXX, I don't have these two documents. At XXXX and XXXX I have received a couple months before online my free annual credit-report without any issues.
Complaint sub-issue: Problem getting my free annual report

Equifax will not provide my credit report to me. I was recently denied credit and am entitled to a free copy of my report.
Complaint sub-issue: Problem lowering your monthly payments

In XXXX I had a medical crises that required extended hospitalization and resulted in me moving in with relatives to be properly cared for during my rehabilitation. My student loan in XXXX were under a deferment. During hospitalization and after, my mail was was returned to the Department of Education. I was not aware that my loans had defaulted and not able to exercise my right to an oral hearing or a delay of garnishment because I did not receive the mail. I petitioned the Department of education to stay the garnishment and grant an oral hearing through their agency XXXX. I requested oral hearing to explain my circumstances and request hardship on XX/XX/XXXX and on XX/XX/XXXX. I sent all request via certified mail and both mailed and uploaded documents directly. The Department of Education has refused to grant my right to an oral hearing even though they know for a fact my mail was returned. I have explained that the Garnishment leaves unable to meet basic expenses or pay for the critical medical care I require. As recently as XX/XX/XXXX they refused my right to an oral hearing so that I may explain my hardship, and the circumstances that led to this action. I would like an opportunity to explain my plan going forward for repayment of my student loan debt. 

I, XXXX XXXX, am writing to request that the Department of Education review my request for a hardship reprieve from the Departments garnishment of my student loans. As, I've requested in the previous two garnishment hearings I am requesting an oral Hearing on this matter. I have not been allowed an oral hearing despite repeated request This garnishment poses a significant hardship for me. I am a single Mother of XXXX and am managing a chronic illness while employed full-time. The crushing stress and constraints brought on by the garnishment make it extremely hard for me to afford to take care of my children and afford medical care. 

I have supplied the Department of Education with my expenses previously. My expense have change and the garnishment is a severe hardship.
Complaint sub-issue: Investigation took more than 30 days

I have ask for the removing of accounts that is listed as my accounts on my credit profile
Complaint sub-issue: Their investigation did not fix an error on your report

I'm having trouble with the bureaus resolving an issue with a charged off account. I have contacted all 3 credit bureaus about the inaccurate information being reported on my credit report. The bureaus all came back with XXXX XXXX  being updated and/or resolved, but XXXX XXXX  is still reporting inaccurately on my credit report. It's a closed charged off account reporting monthly.