Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX   XXXX. XXXX XXXX reported 4 late pyts to XXXX which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and XXXX  ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX XXXX after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my 4 grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call XXXX saying perhaps they could help me. All XXXX  did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX XXXX to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.
Complaint sub-issue: Account information incorrect

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX : Inaccurate information I reported this account was reporting inaccurate information. They still did not update the file correctly. I asked for this account to be deleted if it was not going to report accurately. I had several issues on my credit report. They also would not correct my name which is still being reported inaccurately. This account referenced above is showing two different date 's allegedly being reported from one source yet reporting different information. The " Date Last Active '' for XXXX  shows XX/XX/XXXX and the " Date Last Active '' on Equifax is showing XX/XX/XXXX. I filed a dispute they changed some information but it is still not accurate. It is inaccurate and I would like it to be deleted from my credit profile as is does not meet reporting standards. 

XXXX Account # : XXXX I reported this account as showing inaccurate information. It is showing a late payment of 90  days on XXXX of XXXX. Yet on XXXX and XXXX of XXXX payments were reported on time. So the reported information reported shows that I was on time and then 90 days late. 

( Original Creditor : ) XXXX I attempted to correct this account and it stopped reporting the creditors name on my credit report. Also, they re-aged the account to show last active date as XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

The finished my payments with Discover Student Loans in XX/XX/XXXX. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/XXXX.

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/XXXX and it is now XX/XX/XXXX. My credit score and report are negatively effected because of their negligence. They are a hundred million dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I discovered hard inquiries on my Equifax, XXXX, and XXXX credit reports. The following institutions had requested my credit information from the following credit bureaus : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX Bank XXXX : XXXX Bank ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially one that would require my credit information. 

I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. 

I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. 

I called XXXX Bank, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. 

XXXX does not provide an option to file an online dispute against hard inquiries. I called XXXX 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that XXXX had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. 

XXXX does not provide an option to file an online dispute against hard inquiries. I completed an online chat with XXXX, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not XXXX 's responsibility to remove it or even verify that the request for my credit information was a valid request. 

I was able to file an online dispute with Equifax regarding XXXX XXXX XXXX. I have yet to hear back from them.
Complaint sub-issue: Information belongs to someone else

This account was added to my credit report in 2019. I Went to the police got a police report, Ive contacted Carmax to get the situation resolved, Ive sent the police report to XXXX, XXXX XXXX XXXX. It was taken off each credit bureau except for XXXX. For over a year Ive sent in multiple police reports, FTC reports, dispute letters and affidavits they are refusing to remove this unauthorized account from my credit report. The account is showing closed but has a passed due balance.
Complaint sub-issue: Problem with customer service

I've have file a complaint once before about American Education Services aggressive collection practices. Per the recommended resolution of my 1st complaint, i enrolled into their direct debit program. I stopped the scheduled direct debit from happening on XX/XX/XXXX using AES online website. On Thursday XX/XX/XXXX @ XXXX CST, I called to ensure that my direct debit was in fact cancelled for the XXXX of XXXX and the payment moved to the XXXX. The agent i spoke with on XX/XX/XXXX informed me " the payment I submitted to be debited from my account on XXXX was already in process, in fact it was already sent to my bank for withdrawal. '' On the morning of XX/XX/XXXX, i received an email saying that my account was more than 8 days past due?? When i called American education services, i was informed that my payment was cancelled with no notes on when, who, or why it was cancelled. Nor was i sent ANY correspondence telling me it was cancelled. I repeatedly asked the 2 agents i talked to today ( XX/XX/XXXX ) to pull the call record from Thursday XX/XX/XXXX @ XXXX. The agents did and said nothing, only that they had no information the cancellation of my payments BUT they have already repeatedly contacted my cosigner ( and not me the borrower whos making all payments and whos contact info is listed ) multiple times again using aggressive tactics, mis information and not giving any type of accurate information. I was also hung up on by someone in the complaint department after providing my bank account information to pay the " past due bill ''
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have advised the creditor and credit bureaus and they have refused to remove the fraudulent accounts.
Complaint sub-issue: Information belongs to someone else

SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX OF XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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: Information belongs to someone else

I have sent multiple credit disputes to XXXX XXXX, Equifax, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}
Complaint sub-issue: Problem getting a working replacement card

I requested a new card almost a week ago and selected the overnight option so I could get the replacement. It is still not here. Discover needs to fix this process.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have received a hard inquiry after applying for a credit card with XXXX on XX/XX/2020. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.
Complaint sub-issue: Debt was result of identity theft

A XXXX residential utility account # XXXX was fraudulently opened in my name some time around XXXX. 

I dd not sign up for this account, have never paid on this account, and was unaware of this account. 

I received a bill at my home address in New Jersey dated XX/XX/21 from XXXX stating I owed {$480.00}. Repeated attempts to resolve the issue with XXXX were unsuccessful ; REF # XXXX. 

I was given a supervisors number to assist me in resolving the issue as they confirmed they could not verify the account was opened by me not have I even paid on the account and I live in a state where XXXX does not operate. I was given a Supervisors phone number XXXX. The call was never returned and the matter was sold to a collections agency LJ Ross XXXX Acct # XXXX. 

LJ Ross informed me they would hold off on submitting the debt as in collections status until they could investigate the identity fraud claims made ads I was bale to provide evidence that the debt was not mine. Despite providing all requested information and sending a letter asking for verifiable documents substantiating the account as outlined by the Fair Credit Reporting Act. 

This account is now reported as collections status on my credit reports and is having an adverse affect on my credit score. Up to this point I have had an excellent credit rating. 
I have made every effort possible to substantiate that this is a clear and obvious example of identity theft. 

I need assistance to resolve this matter and have this removed form my credit rdeports.
Complaint sub-issue: Debt is not yours

I do not have XXXX nor have I ever had XXXX. I disputed {$530.00} this many times but never received proof this is mine. I did receive notice that this was deleted on XX/XX/2017. I have sent the notices. Please help me fix this so i may obtain my correct credit score.
Complaint sub-issue: Debt was paid

I manage my moms finances as she is XXXX and no longer able to handle. I pay her bills online. She had a bill due to XXXX XXXX ( an XXXX company ) for {$38.00}. I confirmed this amount in a phone call to XXXX on XXXX/XXXX/XXXX. I spoke with XXXX. This amount was paid electronically via my mothers online bank account and confirmed delivery to XXXX on XXXX/XXXX/XXXX. Today, XX/XX/XXXX, I received a letter from a collection agency IC SYSTEM saying I owe {$38.00} as of XXXX/XXXX/XXXX. I immediately called XXXX and according to their automated System the balance on the acct is {$0.00}. No one was available in billing because today is Sat. Since my mother 's bills come to me they have put my name in collection for no reason and damaging my credit rating which has been stellar to date ( XXXX ). 
I am getting harassed by this collection agency with many calls throughout the day leaving no messages. 


Thank you.
Complaint sub-issue: No notice of investigation status/result

I have disputed XXXX numerous times in the last 12 months. I have stated that the information is inaccurate and invalid and should be removed. Equifax continues to state that it has verified account XXXX yet XXXX BANK XXXX XXXX XXXX XXXX SD XXXX says in a letter dated XXXX XXXX 2016 That they have no account on their records with this account number. I would like either Equifax to provide proof of the information it VERIFIED or to remove and delete this inaccurate information according to the Fair Credit Reporting Act. 

I also have enclosed a copy of XXXX of my Equifax Credit reports saying they can verify this information along with the letter saying XXXX XXXX XXXX can not verify account XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I don't recognize this inquiries, i never applied for this companies. I never get any service from this companies.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX18 I spoke with a representative at Equifax in the Fraud Department by the name of XXXX. I told XXXX XXXX had been a victim of identity theft and that there were two particular accounts I wanted to inquire about due to Equifax investigation being complete. The two accounts were XXXX XXXX  and XXXX XXXX which I was told the previous day that those accounts were validated from the creditor. I explained to XXXX that this was impossible, due the fact that XXXX XXXX whom is a 3rd party collector, is no longer in business, but yet somehow still appears on my Equifax credit Report. I explained to XXXX that neither Equifax or XXXX XXXX has been able to provide any original documentation or application containing my signature and that a Police Report including both of those accounts for fraud was filed and sent in to Equifax and already received. XXXX stated that EQUIFAX does not do any verification of any debts from the original creditors. I then explained to XXXX that under the Fair Credit Reporting Act section 611 ( 5 ) ( A ) states any item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item ( s ) of information from the file of the consumer, or modify that information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX then stated that should would be to mail me out their companies procedure for how they validate accounts. I explained to XXXX that was necessary because I am very familiar with the Fair Credit Reporting Act. In addition, Equifax has also refused to block these Fraudulent accounts from appearing on my credit report within the 4 days of receiving my request without notifying or explaining any reasonable determination which violates the Fair Credit Reporting Act section 605 ( B ).
Complaint sub-issue: Threatened or suggested your credit would be damaged

this debt was supposed to be paid by insurance. Insurance did not pay and the company said they would ruin my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I called XX/XX/2022 to have some false information taken off of my report and this company refuses to remove these inaccurate closed accounts and inquiries from my report. I am also currently taking action for a lawsuit
Complaint sub-issue: Information belongs to someone else

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and SS card to show who i am Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$330.00} Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account was opened : XXXX XXXX Account Balance : {$2600.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1600.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$48.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$940.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX-XXXXXXXXXXXXXX Account was opened : XXXX XXXX Account Balance : {$3000.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$930.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I 've been trying to submit complaints to the credit bureaus. For some reason or another i have n't been too successful. I 'm not sure what the problem is but it is causing me major stress constantly trying to submit the same complaints and getting no responses. So again -XXXX XXXX XXXX I have NEVER done business with this company. Clearly they have made a mistake. I do not owe this debt they claim i owe. 

XXXX XXXX - # XXXX, # XXXX, # XXXX I have never done buisness with this company. I have NEVER given this company access to my personal medical information. Under the HIPPA law my medical records are protected. Please remove these accounts. 

-XXXX XXXX # XXXX I have NEVER done business with this company. Clearly they have made a mistake. 

-XXXX XXXX # XXXX I have NEVER done business with this company nor have i been contacted about this debt. Clearly they have made a mistake. 

-XXXX XXXX XXXX XXXX I 've contacted this company requesting debt validation. They did not respond. I 'm not sure how they can VERIFY something to the credit bureaus but not to me. Who did you speak to about this debt? Can you tell me the date and time you spoke with them also? If not please remove. 

XXXX XXXX XXXX XXXX XXXX This account is inaccurate. I do n't recall having an account with XXXX XXXX. Please remove. 

XXXX XXXX XXXX # XXXX I 've reached out to this company and they sent me some computer generated letter. I 'm not sure how that can substain as debt validation that i requested. Since this company could n't properly furnish me with the requested documentation in a timely manner it should be removed ASAP!!!
Complaint sub-issue: Information belongs to someone else

I was like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XXXX of 2021 that I did not file and they are up to XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX was fraudently reported due to identity theft on my report In Accordance with the Fair Credit Reporting Act 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: Investigation took more than 30 days

I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.