Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

XX/XX/XXXX XXXX  XX/XX/ 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 ( This one I actually answered. She said her name was XXXX only after I asked and she wanted to speak with XXXX last name removed. I asked what is this in regards to? She said is this XXXX. I said, which company do you represent? She said is this XXXX? I can not discuss the nature of the call. I said well, I guess we don't have much to talk about then. She actually works for Carmax and is legally obligated to tell me what company she represents when she first speaks to me. TFDCA protects me in this case.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Medical XXXX Balance : {$280.00} ; XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

the debt collector called me last 2 months ago in paying off my account. and i already make the payment. but they did n't close the account and now i recieved collection payment from different company.
Complaint sub-issue: Didn't receive notice of right to dispute

I received a letter from Allied Interstate, LLC stating that I had a conversation with them about an alleged debt owed. I have not spoken to anyone from this this firm and I believe this debt to be a fraudulent debt.
Complaint sub-issue: Their investigation did not fix an error on your report

My account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but Fed Loan Servicing posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted Fed Loan Servicing and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from Fed Loan Servicing that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but XXXX was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by XXXX that Fed Loan Servicing was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but XXXX wo n't make the change.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is against Equifax Credit Reporting Agency. Fraudulent transactions appeared on all three major Credit Reports. It is not mine so I wrote to all three companies and asked for removal. They all 'claimed ' to have investigated my request. Both XXXX and XXXX removed it as, " not able to verify account. '' Equifax said they verified it was mine. I wrote Equifax and asked how they investigated these fraudulent accounts and what proof they collected since no one had proof of the account. They never responded or provided proof. Ive been disputing for almost 6 months. I requested this information from Equifax a total of four times. So I wrote a letters to the collection agencies and asked what proof they had. They also had no proof. They sent a print out saying the name of the original company ( no address, nor phone, no email, no servicing address, no list of services, no explanation, no bills, no copy of contracts - nothing ) and a date. Since I still had no proof of a debt, I already knew they werent mine, At this point since they cant provide proof I request immediate deletion. Equifax has claimed to open several new reinvestigations yet nothing has been done. Equifax has not followed the laws in accordance with the FCRA.
Complaint sub-issue: Deposits and withdrawals

PNC does not allow me to link my account directly to investment accounts using XXXX.
Complaint sub-issue: Card opened as result of identity theft or fraud

I do have a property in XXXX XXXX PA, that I am renovating, and I gave my son my Home Depot Credit card to make some purchase of materials for the renovation of the property which he did in the tune of {$2400.00} and change, but when XXXX  reported the transaction on my Credit score they used a code " THD/CBNA  '', that I did not recognize and did put in a fraud alert with XXXX, but I called the company Home Depot and XXXX  to rectify and cancel the fraud alert after I XXXX  the code and find out that it's a code that is used for Home Depot credit card, I am sending this complaint to debunk the fraud alert on yesterday, XX/XX/2020, thanks for your continues help and assisting render me.
Complaint sub-issue: No notice of investigation status/result

I recently requested an investigation on my credit report for XXXX separate items you 've come back on the XXXX and claim that you have verified that all XXXX belong to me which I find extremely odd considering that none of them belong to me the first XXXX is XXXX XXXX XXXX account number XXXX the second XXXX is XXXX account number XXXX how is it possible that you were able to verify that these accounts belong to me if you look at my credit report if you look at all three credit reports it is very clear that I was a victim of identity theft there are alerts and freezes on my credit report there are warnings about variations of my social security number being used there have been addresses that I have never lived at for example like XXXX XXXX where they have mailboxes that I do n't have XXXX at so of course they 're able to verify some basic information of course my name possibly the address things like this if the Criminal Who open these accounts did n't have the majority of the basic information he would n't have been able to open the accounts to begin with I mean there 's even been police reports filed and investigations I want a detailed explanation of how you came to the conclusion that these XXXX accounts belong to me I want to know all the identifying information that was used to verify these accounts because they do not belong to me they were open by someone else not myself and I am not liable the third account is the public record in XXXX Michigan case number XXXX this case is a little bit more complicated the credit card that sued me was for a furniture store once again the account was opened fraudulently XXXX XXXX the company everybody agrees at this point and the Judgment has been vacated this should not still be showing up on my credit report again if you have verifying information that it should I want a detailed explanation of everything that was provided to you by law I 'm entitled to this explanation if you 're unable to provide an explanation that I expect all XXXX of these accounts removed immediately they do not belong to me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX. 
Account XXXX XXXX # XXXX. 
Account AD XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX XXXX  XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX FedLoan first report my student loan as being delinquent, after a few months I defaulted on the student loan and it was transferred from FedLoan to XXXX XXXX XXXX. ( The phone number for FedLoan is XXXX ) ( The phone number of XXXX XXXX XXXX is XXXX ) There at XXXX XXXX XXXX I made a series of on-time payments. The loan was taken out of a default status and was given a positive status. Any negative past reporting was supposed to have been deleted at this time. FedLoan did delete the negative reporting from my XXXX but not from my XXXX or XXXX, to this day they still show negative reporting and show my 5 FedLoans to be in a collections status. 
After making the series of successful payments with XXXX XXXX XXXX the loan was transferred to XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX phone number is XXXX ) I continued making on-time payments to XXXX XXXX XXXX XXXX and paid the loan off in full in XX/XX/XXXX. So the student loans have been fully paid off. 
For some reason FedLoan never deleted the collection status from my XXXX and XXXX. They did delete it from my XXXX report but not the XXXX or XXXX as they were supposed to have done. Once my student loans were out of default and reflected a positive status Fedloan was supposed to go back and delete any negative reporting from my credit reports with all 3 bureaus. Because FedLoan has not done this my XXXX and XXXX credit scores are far lower then they should be. This inaccurate reporting is effecting my XXXX and XXXX scores in such a way as to even prevent me from qualifying for a mortgage loan. When I call FedLoan to resolve this the customer service representatives I speak with over the phone act as if they don't know what to do or how to help me. Since the students loans were transferred after I defaulted to XXXX XXXX XXXX they act as if there is nothing they can do
Complaint sub-issue: Debt was discharged in bankruptcy

After reviewing my credit report I found information, which needs to be corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am requesting that the item be deleted to correct the information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon regular review of my credit report, I found a hard inquiry from a company ( XXXX ) dated XX/XX/2020. I did not recognize the company and definitely did not authorize a hard inquiry. I filed a dispute with the reporting agency : Equifax. They later denied my dispute and stated it was a valid inquiry. But, they suggested I contacted XXXX. I did just that. I had to call twice because the first time, the employee became combative after denying that she told me what the product was. I asked for a supervisor and was told there was none. I called a second time and that employee was of no help. He didnt take my call seriously and told me there was nothing they could do about it. He told me to contact Equifax. So both Equifax and XXXX are telling me to contact each other. Meanwhile, I have a hard inquiry further damaging my credit report which, even though I have a perfect payment history, has an abysmal rating and other than a high credit balance, there is absolutely nothing wrong with my credit. ALL payments on time yet my score is in the 500s. So I dont know what is going on but neither the credit bureau or the creditor are cooperating. I guess my next step is legal action.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I submitted a dipute with XXXX indicating that ALLY FINANCIAL had incorrectly reported a balance on my XXXX  credit report. This account was included in chapter XXXX BK XX/XX/XXXX and discharged XX/XX/XXXX. I received a recent XXXX Credit report Dispute Result Report # XXXX with ALLY FINANCIAL account # XXXX and its showing current change off starting XX/XX/XXXX through current date. This is a FCRA violation and XXXX and or Ally needs to correctly report as ND ( no data reporting ) due to Bk chap XXXX in XX/XX/XXXX
Complaint sub-issue: Information is not mine

The following company XXXX XXXX XXXX XXXX has placed their name on my Equifax credit report fraudulent. I requested validation of this debt, however the address on my credit file is bogus. The USPS returned my dispute in reference to this alleged debt, as undeliverable. Every time I dispute this account with Equifax it comes back as " verified '' I can not recall ever doing business with this company.
Complaint sub-issue: Information belongs to someone else

I have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX SERVICES Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX  DELAWARE Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.
Complaint sub-issue: Deposits and withdrawals

I was unfortunate enough to have to file bankruptcy. The filing date was XX/XX/2019. 

My checking account where my paychecks are deposited is with US Bank. 

I was expecting to receive the direct deposit today, Friday, XXXX XXXX. The funds are usually in the account first thing in the morning. When I saw that they were not there I figured something was wrong but I was not sure what. I first called my corporate payroll coordinator and she told me that everything looked good on her end and that the funds were sent as an ACH deposit like normal. She recommended I call my bank and ask for the ACH department. I called US Bank and spoke to customer service who told me that the ACH department is not " customer facing '' which I found strange. I was then told that my account had been frozen due to the bankruptcy filing. I had no idea that this was even a possibility or I would have changed my direct deposit or better yet requested a paper check from my employer. 

The amount of the deposit was supposed to be {$1800.00}. There is also a {$100.00} deposit from Thursday, XXXX XXXX that did not clear because of this freeze. 

I am assuming that the bank has a legal right to take this action, but the fundamental problem here is the fact that it was a surprise and that I was not given an opportunity to create an alternative solution. Now, what's done is done and I am without my desperately needed funds for a period of days or weeks while my company and the bank communicate and decide to send the funds to me in a different mode, whether that is a deposit into another account, or issuing a paper check. 

Over and over banks unilaterally make decisions that injure vulnerable consumers. 

This is not my first complaint to CFPB. I am hoping that someone who has some influence can do something, anything to hold these wealthy and powerful institutions accountable. Right now it is so one sided, they can do as they please while consumers are left high and dry while they figure out how to solve a financial crisis.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting Act. 
XXXX XXXX XXXXXXXX XXXX, account # XXXX opened XX/XX/XXXX XXXX. 

XXXX XXXX XXXX, Account # XXXX, date opened XXXX XXXX h

as 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 an account without my written instructions.
Complaint sub-issue: Banking errors

I opened a floating rate CD with TIAA bank. It was a 36 month CD maturing on XX/XX/XXXX. Floating rate was supposed to move with the XXXX index. No interest has been credited to the account since XX/XX/XXXX. I called TIAA bank and they told me these accounts were closed by the bank in XXXX and as a result would not receive any interest. I was never contacted ( can not find any record of the communication on the TIAA web portal after logging on and searching ). Had I learned this I surely would have asked for them to send me my money so I could deposit it elsewhere and earn interests. Despite their decision to terminate the account sometime in XXXX they continued to pay me interest in XXXX ( IRS XXXX showing this available ) and up until XX/XX/XXXX. As interest rates have risen and this was to be a floating rate CD using the XXXX index I think much money is owed me. The bank had use of my money and must have earned a return using it. I am hopeful I can just get the agreed upon rate to be in effect from when I opened the account
Complaint sub-issue: No notice of investigation status/result

Equifax has an item listed on my credit report this item is from XXXX it is dated XX/XX/XXXX so this item is not mine I never noticed it on my report. Till recently they last reported the item XX/XX/XXXX. This company constantly reports this item once a month causing my credit report to be effected. I asked Equifax to verify this item withing 15 days after the item came back as verified. According to FCRA they never sent me any verified information within the 15 day time frame. They never sent me any information period. I want this item removed immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX 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: Don't agree with the fees charged

In XX/XX/2018 I sent in paperwork to recertify my IBR Payment Plan. 
In XX/XX/2018 I was rejected because my income had risen too high. 
In XX/XX/2018 I resubmitted for a new payment plan that I did qualify for ( ICR ). 
In XX/XX/2018 they charged me with {$4000.00} worth of interest capitalization because I changed plan types. 

I changed plan types because I had NO CHOICE. Also the process to getting there was driven by what I was told and advised at FedLoan Servicing. They are essentially penalizing me for being forced to change plans and for being more successful? It is WRONG. That should NOT happen. I pay my loans on time and consistently. There is no reason I should be penalized with {$4000.00} of interest for a choice out of my hands and because I have worked hard to make more money so I can build a life and have a family.
Complaint sub-issue: Account status

They are reporting that i missed a payment on my student loan and i have never been late, and also reporting that it is a collection/ closed account and that is not correct. It also is negatively affecting my credit.
Complaint sub-issue: Account information incorrect

Equifax is reporting a credit card with a balance of XXXX, 150 days past due and closed. The credit card is with SC XXXX XXXX XXXX. 

This is incorrect. This card was paid in full on XX/XX/2017 and closed on XX/XX/2017.
Complaint sub-issue: Used obscene, profane, or other abusive language

on XX/XX/XXXX the USI solution called me and the man told me I had an outstanding debt. My secretary answred phone and was told to contact me she said i was in meeting and he told her very rude remarks. how she is the worst secretary and how unprofessional and it really offended her. there were prior calls to this and he told me that i owed a debt i told him to show me and he says it was year ago and he dont have all the detail and i told him then why is it not on my credit bureau  and he said well i dont know but you owe it and he says i can tell you what bank account it was linked too and i said ok tell me and he comes back on the phone and says oh i cant find it but if you send so much money we will close the account and you owe nothing. i told him i need more inforamtion and send me an email of my account and company and balnce and he said ok and never send nothing and was very rude and saying you owe this. I feel this was fraud and not true. they have been calling like everyday.
Complaint sub-issue: Account information incorrect

An attorney that was assigned to be my children 's advocate attorney in XX/XX/XXXX, continued to bill in spite of her lack of help for my children. I paid her retainers and monthly payments. My ex was responsible for half of all billings. He never paid his half. The attorney was dismissed from our case in XX/XX/XXXX. She continued to bill after. She then wrote off the debt and sold it to a collection agency. The collection agency then tagged my credit for {$28000.00}. The attorney write off was {$11000.00}. Bottom line, the amount billed is inaccurate, unjustified and illegal billing. The collection agency has been unwilling to work with me and take this off my credit, preventing me from buying a house. Further, I offered a debt settlement offer to gather an agreement to enable me to purchase a home and the collection agency was unwilling and extremely rude to come to any agreement. There are several complaints online about this collection agency and I believe it should be illegal for any collection agency to out anything on a consumers credit prior to obtaining a judgement that is awarded after proof from both sides is evaluated. I want this collector to be fined and made to get off my credit report to allow me to buy a home. Further, if I am unsuccessful in getting him off of my report, I will lose my escrow deposit and will be forced to file chapter XXXX. I need help to get this bully off my credit report and go about any further reporting after the correct amounts and agreements have been made. 
I have tried to dispute with the credit reporting agencies and the collector, XXXX XXXX keeps changing the dates and showing a ledger that is not accurate, justified or legal. He has put the collection on all 3 credit bureau reports.
Complaint sub-issue: Late or other fees

Dear US Bank, I did not realize until recently that a personal checking account XXXX and a business checking account XXXX was successfully opened in XX/XX/XXXX. At the time, I was told by a US Bank banker that you were not able to open the accounts successfully. 
I just realized it was indeed opened and I have been charged fees for it. I would like to keep the accounts open going forward, but I kindly ask that you reverse the following fees : Account : XXXX XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$2.00} Statement fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$2.00} Statement fee Account : XXXX XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge Thank you,
Complaint sub-issue: Information belongs to someone else

My credit report is not reporting correctly. I have made several attempts to remove negative items that I believe occurred due to identity theft. These items has lowered my credit score and has made it difficult for me to get approved for housing. I followed the processes of a trusted advisor to aide in fixing this issue, so far some items have been removed but a few still remain on Equifax. I am hoping that with your assistance, I can finally remove these items to reflect only the items that belong to me on my report.