Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXX XXXX Account Number : XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022
Complaint sub-issue: Public record information inaccurate

THE DISPUTED BANKRUPTCIES HAS BEEN DISMISSED AND DISCHARGED AND THEY HAVE BEEN REPORTING ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE FOR IT HAS BEEN CAUSING SEVERE DAMAGE.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX, I spoke to a representative at Nelnet regarding a credit reporting issue, she told me that since my deferment was approved and backdated to XXXX of XXXX that they would be able to remove late payments from my credit report which would take 6-8 days and that by XX/XX/XXXX the problem should be resolved. However, on XX/XX/XXXX I contacted Nelnet and was then told that the late payments could not be removed and that I was given inaccurate information! Later on into the day I called to request documentation stating the day that my deferment was approved and the date that the deferment was back dated to and they proceeded to tell me that my deferment was never backdated but then said it was back dated to prevent me from having to pay anything during those months. I have been told something different every time I speak to someone employed by Nelnet and feel that Im not being told the truth by anyone! I feel that it is my right to have documentation stating my deferment was in fact back dated however they refuse to provide such documentation!
Complaint sub-issue: Account information incorrect

On 6 of my student loan accounts the bureaus are reporting inaccurate information .The credit bureauIs are reporting that I was 90 days late in XXXX of 2019 ( TransUnion and experience ) and XX/XX/2019 equidad. however at no point did they report I was 30 days late or 60 days late the months prior. I have wrote them several letters and they refuse to fix the issue. I am asking for this to be deleted immediately
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This complaint is regarding dispute XXXX XXXX  with Citi. 

I purchased a software product XX/XX/XXXX. Upon using it and realizing it was not functioning as described in marketing materials that induced me to make the purchase, I requested a refund from the merchant on XX/XX/XXXX. The merchant refused to provide a refund or address -- much less provide support to mitigate -- the issues I found in the software they provided, prompting me to attempt a chargeback via XXXX. XXXX later denied the chargeback claiming the product did not qualify for buyer protection. 

As a last resort, I disputed the chargeback with Citi, the bank that issued the credit card I had made the purchase with. I opened this dispute on XX/XX/XXXX. On XX/XX/XXXX, I was informed by Citi that the dispute was denied in the merchant 's favor despite the merchant failing to address or provide evidence to refute any of my claims. 

I submitted a signed continuation of dispute letter on XX/XX/XXXX. I have attached all communication with the merchant, the dispute resolution letter Citi sent me, as well as the merchant 's response to my initial dispute claim.
Complaint sub-issue: Information belongs to someone else

Id theft victim These accounts are not mine XXXXXXXX XXXX balance {$21000.00} XXXX XXXX XXXX  {$21000.00} XXXXXXXX XXXX balance {$620.00} XXXX number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXXXXXX XXXX balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late DEPT OF EDXXXX XXXX This is in deferment till XXXX Never paid late DEPT OF EDXXXX {$37000.00} this account is in deferment till XXXX never paid late
Complaint sub-issue: Account status incorrect

The payment status reads charged off/collection. 
And the account type reads as its an open account. The account was actually paid in full of {$290.00} I believe the date was XX/XX/2018. But account status read derogatory. I have asked for the account to be remove because how it reads its hurting my profile.
Complaint sub-issue: Public record information inaccurate

I took out a loan on my vehicle in XX/XX/XXXX. I am not disputing this and I defaulted on the loan and owed this company and a late, repo was put on my credit reports which were valid. I called XXXX  and asked them about the judgment letter I received that stated a judgment would not be reported it I made arrangements to pay. I called on XX/XX/XXXX and did just that. They never gave me proof as to what the vehicle was sold for only verbal proof, why would I trust these people to tell the truth. I was then told I had a remaining balance of XXXX in which I could make payments and it would not be reported as a charge off because I have satisfied my obligation. Even though I know this was still bad on my credit I didnt want to owe these people and have them out another negative remark on my credit report. I started paying right away and had paid almost {$800.00} dollars when I received an alert from XXXX saying that this company has reported a charge-off even though they informed me they would not if I paid and agreed to pay. 
I then called them that day and spoke with XXXX XXXX one of  the Managers there. I told him my dilemma and he said, XXXX XXXX, if you make a deal with us and pay {$400.00} we will take ALL the negative information off your reports and it will be like they never existed. I was ecstatic and agreed, I spoke with an Attorney and he informed that XXXX could not delete these items form my report but what they could do is not do anything when I disputed them and they would fall off automatically with all three bureaus within 30-60 days. I asked XXXX XXXX for something in writing stating this was the case and he refused to ask me to just trust him. I told him I trusted no one at that company and this was a business transaction. They refused to put anything in writing even though I recorded XXXX on my cell phone with his permission stating that all the items would be removed for {$400.00}. 
This has affected me greatly not so much the repo and the late but the charge off they lied about. I was denied and apt I needed and my credit lines were decreased on some of my credit card accounts. As a result of this, I have been on pins and needles aggravated my condition of XXXX that I take medication for every day. I want these people to make good on their promise and get it in writing in the interim I am going to file a claim at the XXXX XXXX courthouse on XX/XX/XXXX for the maximum of {$7500.00}. XXXX XXXX has stopped taking my calls and wont call me when I leave messages. I dont think I should be liable for the {$400.00} since I have been through so much pain and mental suffering with this company. I have proof of all that that I stated above including bank records where they took payments from my checking account for the {$150.00} per week for 5 weeks which was never reported as being paid either to the credit bureaus, in fact, I have a letter from them on XX/XX/XXXX ( attached } stating I still owe the full amount which is incorrect. 

Sincerely, XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed dispute XXXX I proved the item was returned, retailer did not issue refund as promised. I provided Tracking # and proof of return, and email from retailer confirming refund which Citi ignored and simply refused to honor the return and credit.
Complaint sub-issue: Public record information inaccurate

please remove immediately XXXX bankruptcy case from my credit report
Complaint sub-issue: Can't close your account

I am trying to reach a settlement amount on a credit card that I have had for about 4 years. During covid I lost my job and got behind on payments. I then called in XX/XX/2022 to get a settlement amount for my {$10000.00} balance. They were willing to settle at that time at {$5000.00} but I only had {$3500.00} available. They then enrolled me in a 0.99 % program where they would reduce my interest rate and set me up on a payment plan. I have been making my payments regularly so I am now down to a {$7500.00} balance. I have called discover multiple times in an attempt to settle on my account due to unforeseen circumstances. I recently got pregnant and need a home to live in and grow my family. Part of that has been an effort to clear all debt off of my credit report. After multiple attempts, discover stated that since I am enrolled in their " permanent program '' I am not eligible for a settlement amount. I was never told this before I enrolled in the program. I never signed anything to enroll in the program. It was a verbal agreement which I would not have made if all terms and conditions were disclosed to me including the fact that I would not be eligible to come to a settlement while enrolled. I have left multiple complaints with phone representatives and it has gone no where. I even had a representative say to me " I can submit a complain for you but they're probably not even going to answer it or do anything for you ''. I would like to come to a reasonable settlement amount with discover financial to remove this debt off my credit report as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

i recently signed up for an account with XXXX and they told me there a hard inqiury for that. But there a currently 2 inquiries regarding the same account which is unauthorized for. it was done without my consent and my without my permission. 

Equifax Credit Agency. 
Hard inquiry : - XXXX. 
Date : - XX/XX/2019.
Complaint sub-issue: Reporting company used your report improperly

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you
Complaint sub-issue: Reporting company used your report improperly

Good evening i have new exhibits to submit. i am requesting the description of reinvestigation of the procedure from Equifax who claim these accounts are verified im currently being violated by Equifax! they have violated my rights under 15 usc 1681 1. 15 usc 1681 ( a ) ( 1 ) 2. USC 1681 ( a ) ( 2 ) 3. 15 USC 1681a ( 3 ) 4. 15 USC 1681a ( 4 ) 5. 15 USC 1681b ( 2 ) please help me make sure im getting a just and fair reinvestigation into my concerns! please remind them they have 15 days! thank you or shall permanently remove these accounts!
Complaint sub-issue: Their investigation did not fix an error on your report

An auto loan with US Bank was on autopay. The banks system suddenly didnt recognize an account and instead of notifying me in a timely fashion, they called me on day 29. I paid that day but it wasnt processed for 3 days and the account was reported as over 30. This contradicts what they told me.
Complaint sub-issue: Was not notified of investigation status or results

INFORMATION THAT I PROPERLY DISPUTED I WASN'T UPDATED ABOUT!
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

XXXX XXXX refuses to update my PSLF count. The most recent time they updated it was up through XXXX of XXXX ( 16 months ago ). They only did this because I filed a CFPB request in XXXX of XXXX, which you were able to solve the issue for me ( thank you! ). At the time, they updated my PSLF count to 40, which  is correct as of XXXX of XXXX, and provided you with a word document showing each month 's payments. 

They certified my PSLF approved employment in XXXX of XXXX for the year between XX/XX/XXXX through the date submitted ( XX/XX/XXXX ). However, 5 months later, they have still refused to add those months of PSLF payments to my total. The total on the website still says 40, which is more than a year out of date. They certified my current employer 5 months ago, but are refusing to add the months of payments to the total. 

I have emailed them MANY MANY times. Each time, they tell me it can take " up to 90 days ''. We are well past 90 days. They always send me the same Copy/Paste reply, verbatim. 

Please help! 

Thanks,
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX , 60 days  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Information belongs to someone else

While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Problem using a debit or ATM card

There were unauthorized charges to XXXX with my debit card account number, therefore, I contacted my bank, closed the card and was authorized a new card. A few days later there were more XXXX charges to my account. Someone had used the new number without authorization. I do not have any type of account with XXXX and do not want anymore unauthorized charges. 
XX/XX/22 XXXX XXXX {$57.00} XX/XX/22 XXXX XXXX {$78.00} XX/XX/22 XXXX XXXX {$44.00} XX/XX/22 XXXX XXXX  {$59.00} XX/XX/22 XXXX XXXX  XXXX Key Bank is currently investigating this but the only action they have taken so far is closing out my debit cards. XXXX needs to stop charging my accounts since I do not have any accounts associated with that company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Mail Order Firms XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXXXX/XX/XXXX - Automobile Dealers, Old This inquiry could stay on your report until XX/XX/XXXX. 

I DO NOT RECOGNIZE THESE INQUIRIES NOR DID I GIVE ANYONE ELSE PERMISSION TO REVIEW MY CREDIT REPORT ... EQUIFAX IS NOT LISTENING TO ME AND THE CREDITOR ADVISE TO DISPUTE SINCE THEY DID NOT RUN MY CREDIT BUT SOMEONE DID AND I DO N'T RECALL ANYONE ASKING OR OBTAINING MY PERMISSION ...
Complaint sub-issue: Information belongs to someone else

Equifax is incorrectly reporting that my year of birth is XXXX. My year of birth is XXXX. 

The following inquiries was not authorized by me. Please assist me in getting these inquiries removed from my credit file. 

XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Inadequate help over the phone

I submitted my original dispute to Equifax and XXXX and was told by phone that the dispute was never started but they sent results saying it was completed and will remain. The documents I sent to them were never uploaded for a dispute. It was an XXXX mortgage t originally through XXXX XXXX XXXX the 20 % has been deleted from all XXXX bureaus. XXXX XXXX is the only bureau that has deleted the 80 % ( XXXX XXXX ) and the 20 % ( XXXX ) for both creditors the fraudulent mortgage from my report but Equifax and XXXX did not delete the 80 % and have not even scanned in my supporting documents but they keep saying the information should remain. Date of delinquency has been over 4 years and should be removed according to Texas State law. The house is being reported as foreclosed and it has not been foreclosed and is in a 3 yr. pending litigation with the supreme court . I do want the home if the bank wants it I just want it deleted from my credit file because its being reported fraudulently. Also XXXX is being reported fraudulently as well. I provided my final divorce decree showing the debt belongs solely to my ex-spouse and the credit bureaus and XXXX refused to delete it from my file.
Complaint sub-issue: Debt is not yours

In XXXX of XXXX we moved into an apartment in XXXX called XXXX XXXX that was no where near ready for occupancy. We contacted the apartment manager as well as the corporate office several times with complaints about the structure, carpet, AC Unit, appliances, etc. We took photos of black mold in the AC Unit and window sills, cockroaches, our vacuum chamber that was filled twice ( we had only been there 1 day at that point ) and dirt on the inside of the patio door. This apartment was in severe disrepair with a pest problem that never got solved. During our stay, we noticed that other residents were having the same problems which were published on XXXX and a few we spoke to also had poor feelings toward their apartments. We documented everything and took screenshots every time we put in a work order. We took photographs of everything when we moved in and they still tried to say nothing was wrong. We finally moved out in XXXX of XXXX after over a year of complaints to the office. We had told the district manager at the time ( in XXXX of XXXX ) that our carpet was disgusting and needed to be replaced prior to our move in. They denied it and said the carpet had been steam cleaned and vacuumed before we moved in. This was absolutely a lie. We are now being harassed by Hunter Warfield for collection monies that are erroneous to our situation since we had already put in complaints that the apartment was disgusting when we moved in. We are not going to pay for a carpet that was in disrepair, needed to be replaced prior to move in and that was denied by management during our stay. We had nothing but problems with this apartment complex and do not recommend it to anyone.
Complaint sub-issue: Debt was result of identity theft

This collection Company continue too list these 2 XXXX  accts on my XXXX  credit report its was off for months after I disputed months ago as of XX/XX/2018 there back on my credit these are not mine acct remove off my XXXX  credit report immediately Ive sent you guys copies of my fraud report days ago!!!
Complaint sub-issue: Fee problem

These entities have charged excessive fees and many in which I am unaware of or can not associate to any agreement. A report to IRS is being made to ensure each company is audited as well.
Complaint sub-issue: Can't stop withdrawals from your account

My small business, XXXX XXXX XXXX XXXX, has a merchant banking agreement with First Data entered into on XX/XX/2011. We no longer need their services, but they bill our checking account every month. I tried to call this company to stop the merchant banking services, but their phone numbers do not work, are no longer in service, are disconnected, or give automated responses and then hang up. I checked the internet for information about this company. All of the XXXX consumer reviews say the company is a scam. My XXXX virus protection says that even their website is a scam. How do I stop the payments to this company? Our bank says it can not stop the payments since they have a merchant banking agreement. I am not able to contact this company ; an internet site says that other scammed consumers are trying to initiate a class action suit for fraud. I just want to stop our payments to this company ; how can I do that?
Complaint sub-issue: Investigation took more than 30 days

I contacted LexisNexis on XX/XX/XXXX asking them to send me proof of information they are reporting on my credit report. I sent them a copy of the letter I received from the Clerk of Superior Court stating they do not provide information to any Credit reporting Agencies and also proof that the debt was paid in full. I have not heard back from them as of yet and today isXX/XX/XXXX which is longer than 30 days allowed by law.
Complaint sub-issue: Reporting company used your report improperly

Regarding the recent Equifax massive security breach reported yesterday ( X/X/2017 ), I checked my information today ( X/X/2017 ) on their website " https : //www.equifaxsecurity2017.com/ ''. My vague result read : " Based on the information provided, we believe that your personal information was not impacted by this incident. '' I have no choice but to assume that means my information has been released to an unauthorized party. I did not follow through the XXXX enrollment as it is unclear if this waives my rights to press charges against Equifax for damages. I have placed a fraud alert on my information in attempt to limit damages from Equifax 's negligence.