Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

XXXX 's business practices are shady at best. Online correspondances are deleted from the site, forcing me to save every document separately. In regards to PSLF payment tracking, I have been forced to change to XXXX because they are the only servicer available for PSLF  candidates. Every year when I submit my employment certification they mess up my tracking and either refuse to approve my employment dates, or use the wrong dates that are not even included in the application submitted. I truly feel they are intentionally messing up these applications to put borrowers behind in making their 120 qualifying payments and avoid standing up to their end of the program. With my current submission, the initial application was approved for the wrong dates. When I resubmitted and asked for them to look at the application dates again, the same application was rejected. How can they approve and then deny the exact same application if something isn't going on? I have been working on correcting this issue since XXXX and have yet to receive a satisfactory response from XXXX.
Complaint sub-issue: Old information reappears or never goes away

" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX. it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!
Complaint sub-issue: Information belongs to someone else

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The most recent call from Allied Interstate came today XXXX XXXX, XXXX at XXXX am. They hide their number which is ( XXXX ) and get rude and belligerent with when you tell them they have the wrong number that XXXX XXXX XXXX does not live here and you do n't have contact information for him. 

They call my home and cell phone numbers constantly harassing and abusing me for XXXX XXXX XXXX and I DO NOT KNOW THIS PERSON.
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account Account Number : XXXX Please remove it from my credit report. 
6. Validate Account Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Investigation took more than 30 days

I have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

XXXX XXXX XXXX XXXX Name : EQUIFAX MORT Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account EQUIFAX CREDIT BUREAU Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : EQUIFAX MORTGAGE XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : EQUIFAXXXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account
Complaint sub-issue: Reporting company used your report improperly

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Application denied

I applied for a credit card through credit karma who claimed that I had been pre-approved for an offer ( this actually happened more than once! ). However, after submitting my application to XXXX XXXX, my application was denied and my credit score fell by XXXX  points. I waited to get my reason for denial in the mail and was told that my revolving credit amount was too high... understand. But, why did credit karma trick me into thinking that I was going to be approved in the first place? Making me think I had been pre-approved, and since they obviously should know my credit score, I trusted them and got burned. Big sad face!
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 

STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCYNO NAME ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : N/A COLLECTION AGENCY : USDOE XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : USDOE XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

Ecmc is currently in my bankrupcy. Theyre reporting late payments & balance owed. This should not be reporting on my credit report. I filed a XXXX  XXXX XX/XX/2022. They will get their money it a five year plan.
Complaint sub-issue: Account information incorrect

Hello during COVID, it was very hard to keep up with bills throughout the pandemic. Recently I looked at my credit report and saw way more late payments than I ever missed. I disputed with the company to make sure that everything was correct and they reported back results that were accurate. However ; there are discrepancies amongst the other credit reports as well. 

On my XXXX credit report XXXX Account # XXXX, showed that I had a late payment on XXXX of XXXX. That same account on my equifax shows that I have a late payment on XXXX of XXXX. Once again, that same account this time on my transunion report showed a late payment on XXXX of XXXX. 

I have the same situation on my XXXX report with XXXX  Account XXXX XXXX, My late payment history shows two late payments, one on XX/XX/XXXX & another on XX/XX/XXXX. 
However ; on my equifax report theres only one late payment on XX/XX/XXXX. 

I am trying to get a home and I find it really suspicious that after disputing my report with the credit bureaus all of the disputes came back correct and unchanged. I would like to receive some monetary compensation for each of these violations. I would also like to have these late payments completely removed off of my report.
Complaint sub-issue: Information belongs to someone else

XXXX Acct # XXXX needs to be deleted and removed immediately from my Equifax credit report because I did not open an account with them. XXXX failed to send proof that I opened an account. Where is the contract that I signed to agree to the terms and conditions? Your company will not put any accounts on my credit report that I did not authorize. I will be filing a lawsuit against your company as well as reach out to my Attorney General Office.
Complaint sub-issue: Didn't receive enough information to verify debt

To Whom It May Concern, This complaint is in regard to a company reporting information on my consumer credit files which have been disputed by myself prior on multiple occasions and which the company reporting the data refuses to provide information on. 

The account in question is unknown to me as stated. I have asked for documentation from the original source and for it to be provided in accordance with the Fair Debt Collection Practices Act which states that original documentation must be provided to me upon request so that I may tailor an adequate response or more accurately detail my dispute. No such information has ever been provided with the company outright ignoring my claims. 

I contest this debt and am asking this agency, which has assisted me in the recent past regarding getting other companies to comply with my requests, to assist me in this final item. 

I also grant this agency full access to my account, the dispute history as recorded by the bureaus and the multiple attempts made on my behalf which have been rubber stamped and not fulfilled with any due diligence whatever. 

I further ask that this agency keep an official record of any and all communications by Acima Digital in regard to this complaint.
Complaint sub-issue: Account information incorrect

I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 15 U.S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.
Complaint sub-issue: Their investigation did not fix an error on your report

I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Complaint sub-issue: Information is not mine

The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and Equifax but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted XXXX numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Auto finance XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

The Fair Credit Reporting Act states : Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

- I opened a Discover Card account in XX/XX/XXXX - The account went to charge off status in XXXX - I paid the charge off amount, I'm uncertain of the date - The negative account 's age is beyond 7 years and thus should be removed, especially considering that there's no money owed - I disputed the account, and it was deleted in XXXX of XXXX - 3 months later, the account reporting re-appeared - I disputed the account again, Discover or XXXX  is refusing to remove it - The account is removed from XXXX  and XXXX, it only reports negatively to XXXX
Complaint sub-issue: Debt was paid

On XXXX XXXX I made a payment to US bank towards my boat loan in the amount of {$240.00}, however I made the mistake and paid it towards principle. I got a call XX/XX/2020 that I owed {$470.00} toward my payment. So I made that payment of {$470.00}. I also called to have the payment of {$240.00} applied to my monthly payment instead of principle so I could get ahead on payments. They told me they would do that and waived the late fee of {$25.00}. I spoke with a women name XXXX in the collection department that said she would make the {$240.00} as a monthly payment. I did this so I wouldn't owe anything and the collection department would not call me. However XXXX did make the transaction for {$240.00} towards my monthly payment, but also reverse my payment of {$470.00}. So on XX/XX/2020 the collection department starts to call my place of employment asking for another payment because my loan has not been paid on time and my account was in collection. Now I have spoke with XXXX employee ID XXXX and he said that he does not know when my money will be refunded or where it happen to go and can not give me a definite time line on when my account will be brought to current and paid in full loan or get my reverse payment back. So I have spent {$710.00} into this loan and they still have it as I owe money and are calling my place of employment. I have not received the refund that they said was reversed nor have I seen the {$240.00} that they said would apply towards my monthly payment. I can not get any committed answers from the bank. Also when I call and say can I talk to a supervisor they either say I am a Sr banker and I am the supervisor or they transfer me to another person that is not the supervisor. I am currently 15 days late and do not want this to go on my credit report because I am buying a house XX/XX/XXXX and I do not want to lose the loan for this house due to the lack of professionalism that I have experienced with this US bank.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I had a transaction on XXXX for XXXX for {$270.00}. It was pending and they deducted from my account. I had canceled my order. XXXX gave me authorization code. XXXX. The transaction disappeared but the money wasn't put back on my card. I've been trying for 8 days to reach direct express to resolve this issue. No matter what time I've called not able to talk to anyone. Not sure what I'm suppose to do.
Complaint sub-issue: Investigation took more than 30 days

EQUIFAX, XXXX, AND XXXX ALL HAVE BEEN NOTIFIED ABOUT THE INACCURACY OF MY CREDIT PROFILE IN XX/XX/XXXX, AND I HAVE YET TO HEAR BACK FROM EITHER AGENCY. THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY FAILING TO REPLY WITHIN 30 DAYS. I AM ASKING TO REMOVE THE INACCURATE ACCOUNTS OR PROVIDE DOCUMENTATION. I OWE NO DEBT TO ANY OF THESE COLLECTORS. LEGAL ACTION WILL FOLLOW. PLEASE REMOVE THE FOLLOWING ACCOUNTS ACCOUNTS : XXXX XXXX XXXX  Opened XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$6600.00} XXXX XXXX XXXX Opened XXXX {$6700.00} XXXX PLEASE FOLLOW SUIT AND ALSO REMOVE THE FOLLOWING ACCOUNT AS THIS REPORTS TO NEITHER XXXX NOR EQUIFAX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXX XXXX Opened XXXX {$650.00}
Complaint sub-issue: Reporting company used your report improperly

APPLIED FOR CITI CARD, BUT WAS DENIED. THAT IS CLEARLY UNDERSTOOD. BUT WHY WOULD CREDITOR PUT ON MY CREDIT REPORT " HARD INQUIRY '' WITHOUT MY PERMISSION?
Complaint sub-issue: Other problem getting your report or credit score

This is in response to complaint XXXX. Equifax is being disingenuous. I sent them credible evidence which was actually the cover page of their credit report and their letter and they STILL HAVE NOT SENT ME A CREDIT REPORT!
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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