Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

I have numerous errors showing on my credit report. After reviewing it I sent Equifax a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that equifax has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
Complaint sub-issue: Trouble with how payments are being handled

I filled out my PSLF application in late XXXX and received confirmation from MOHELA on XX/XX/XXXX and it stated that they have received my request for my COVID payment refund and my PSLF application. I was told in writing it would take 90 days to complete and update my records with regards to my qualifying payment counts. 90 days had passed and I received word that my updated counts were completed but they did not update my last XXXX payments. When I called and spoke with a representative I was told there was an error on their side with updating my payment counts and since I sent in another PSLF application ( duplicate ) that it would take another 90 days to process. But this time she said XXXX business days which wasn't mentioned previously so I was a bit taken aback by the change in position. I also have never received any mention on when my COVID payment refund would be sent to me or how it would be sent to me. 90 days from XX/XX/XXXX would be XX/XX/XXXX or so and we are on XX/XX/XXXX as of this writing. 
I am concerned that this company, the only XXXX authorized to do my PSLF application is not wanting to comply with this legislation, and are hoping through their lawsuit with the federal government that they will not have to forgive any PSLF loans. This is a travesty since I only need XXXX more qualifying payments to earn forgiveness and I have XXXX qualifying payments that just need my employment certified. I have left countless messages with information on how they contact my employer, using the internet to prove I am and was a teacher during those last XXXX payments. They won't do a payment count update, and I am at my wit 's end. I am trying to organize a grass roots movement to start a class action lawsuit against MOHELA, I just need lawyer who wants to get rich because there is definitely something going on here that needs to be shared with the world.
Complaint sub-issue: Their investigation did not fix an error on your report

Pnc bank put a 30 day Mark on my credit when I was paying on account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am self employed the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have a credit monitoring service that I pay monthly through XXXX. I should be receiving all 3 credit reports monthly. However I have only been receiving from XXXX  and XXXX. Equifax has not been making my credit report accessible, despite the fact that I have been paying for it monthly. 

I called Equifax on XX/XX/2020 and they said that they do not have a reason why I can not access my credit report.
Complaint sub-issue: Account status incorrect

The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 master degrees. I applied for an unemployment deferment and it shows 90 days late.
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine
Complaint sub-issue: Information belongs to someone else

In  XXXX   2017 I  pulled my credit report for all three bureaus to find an ope n CNBA Be st Buy account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 (  signed for o n  XX/XX/2017  )  to the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX  , 2017 the co mpany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31 d ays I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 (  see attached ) signed for on   XX/XX/2017   asking them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original letter  therefor v iolating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to my lette r s  to provide evidence.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Complaint sub-issue: Their investigation did not fix an error on your report

I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.
Complaint sub-issue: Investigation took more than 30 days

The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a  toxic property sold to me at XXXX XXXX XXXX XXXX  Arizona with arsenic, and that caused default. I received no response from them except one recent reply from XXXX. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time  wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?
Complaint sub-issue: Was not notified of investigation status or results

I have made countless requests to have this outdated account removed from XXXX XXXX Account number : XXXX my credit report. I have NEVER received a response from Equifax. This is a closed account as of XX/XX/XXXX, which stays on your credit report for up to 10 years since the date of the last activity. The Date of Last Activity is XX/XX/XXXX. ( see screenshots ) Negative information such as late payments or collections generally stays on your Equifax credit report for up to 7 years from the date of first delinquency. Equifax seems to keep updating this account as if this is current information. As of today, this account is 15 years and 5 months old. The Status date : XX/XX/XXXX is ( incorrect information being reported ) which will be impossible. I was XXXX XXXX XXXX XXXX XXXX. I lost all my cars and houses in XXXX. Equifax has not properly investigated the account. I want this old outdated account removed immediately from my credit file. I would like an updated copy of my credit report to reflect the deleted information.
Complaint sub-issue: Account information incorrect

Please refer to CFPB Complaint # XXXX ( I have enclosed a copy in the attachments ) filed XX/XX/XXXX. 

On XX/XX/XXXX, Fedloan Servicing, stated that a " thorough investigation '' into the ( 6 ) student loan accounts were preformed by the OCA for PHEAA, concluded that the ( 6 ) student loan accounts were reporting accurately. 

On XX/XX/XXXX, I mailed a certified letter to Fedloan requesting validation of the debt. Fedloan Servicing mailed a letter on XX/XX/XXXX, in response. The letter received contained only ( 1 ) Master Promissory Note " dated '' for XX/XX/XXXX, along with a list of the ( 6 ) student loans. However, none of the listed student loan accounts reflect XX/XX/XXXX as a disbursment date, which means this is factual proof of ( 6 ) six unverifiable student loan accounts. 

In addition, the listed " Current Principal Balances '' on the student loans DOES NOT MATCH any of the information being reported to XXXX, XXXX  or XXXX. 
( Enclosed in the attachments are the credit reports from XXXX, XXXX, and XXXX, reflecting inconsistent, contradictory and unverifiable account information. ) I demand the immediate deletion of all ( 6 ) student loan accounts, as it pertains to federal and North Carolina state laws.
Complaint sub-issue: Funds not handled or disbursed as instructed

In late XXXX I received a letter from Commerce Bank of MO that they were no longer handling HSA accounts and my account must be transferred. I completed a custodian to custodian transfer form from my other HSA custodian ( XXXX XXXX ) and submitted same to XXXX XXXX. On XX/XX/XXXX I received an email from Commerce stating my HSA statement was available. It usually ended on the last day of each month, so I checked and it showed my entire account balance ( {$1500.00} ) transferred on XX/XX/XXXX. 

I checked my account at XXXX XXXX several days later and saw a pending deposit of {$25.00}. Thinking it was a test deposit before sending the full amount, I waited for the rest. When no further funds had been transferred by XX/XX/XXXX I called XXXX XXXX to see if there was another transfer pending, they stated they only received the {$25.00} transfer and nothing further. 

I contacted Commerce HSA as soon as the opened at XXXX XXXX on XX/XX/XXXX and spoke with XXXX. After explaining the situation, he explained they took out a fee in error and sent {$1500.00} on XX/XX/XXXX and the remaining {$25.00} on XX/XX/XXXX. I asked him to compare the two transfers and he determined that the person who sent the transfer of {$1500.00} on XX/XX/XXXX left a 7 off at the end and stated he would send it up to be rectified. He stated he would expedite it, but it may take 2 to 3 business days to have the funds resent. He took my cell number and stated he would call me when he had further information. I called again on XX/XX/XXXX at approximately XXXX XXXX ( having been almost 3 full business days and having heard nothing ). After calling several times because they could not get me transferred to XXXX, he returned my call. He had no further information and told me to wait until the end of Monday. Again, he said he would mark it as urgent. 

Having heard nothing by XXXX on Tuesday XX/XX/XXXX I called and spoke to XXXX. After sitting on the phone for 10 minutes for XXXX to review the notes, XXXX asked, " Have you received the check? '' I explained it should have been a custodian to custodian transfer and asked if a check had been issued. He stated he did not know. I asked to talk to a Team Lead or Supervisor. I explained that this was an error on their part, the problem had been diagnosed 6 days ago, and wanted an explanation as to why my funds had not been sent. After another 5 minutes he stated he would take my number and have " her '' call me back. I told him I would wait on hold until she was available. After another 5 minutes, he stated she would have to call me back tomorrow because the person she needed to speak with was not there. I asked if they were regulated by the FDIC or Federal Reserve as I wanted to make a complaint. He told me FDC. I questioned that and after another 2 minutes he stated I should go to US.gov. I asked him to stay on the line while I determined if that was a good site, he responded by instructing me to call XXXX. 


At this time, Commerce still has {$1500.00} dollars that belong to me and have been earing no interest for 30 days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
15 U.S.C 1681 Section A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

Equifax shows a consistent credit score of XXXX or above for me report. I have verified with Equifax directly and gone line by line on each item of my credit report and have the copy of the report. XXXX XXXX XXXX XXXX did a soft pull and shows my credit score from Equifax at XXXX, a XXXX point difference. A few months back, it also showed a XXXX despite me verifying everything directly with Equifax. Another lending institution pulled my credit and again, the lender got a XXXX but when I called to verify with Equifax, they show high XXXX 's. 

I can not get an answer from Equifax as to why multiple banks are pulling my score and they keep getting a XXXX when my score with them reflects XXXX or above. Equifax directs me to the banks. The banks direct me to Equifax. This has cost me money in higher interest rates, and I'm now being denied loan products because my score keeps coming back at XXXX. 

Confirmation # provided Equifax : XXXX Credit Report Identifier provided by XXXX XXXX : XXXX
Complaint sub-issue: Old information reappears or never goes away

FINAL NOTICE OF DISPUTE Equifax and XXXX XXXX XXXX This is the last and final notice XXXX XXXX have addressed several points to the validity of the alleged debt you XXXX XXXX XXXX that she does not owe that is reporting on Equifax. I am disputed this alleged debt, make sure that is reflecting on my credit report. 

XXXX XXXX is requesting : ***the credit card agreement/contract, ***consumer file with my signatures for disclosures your company have provided ***Written Permission to report anything on my credit report. 

I do not give permission to report alleged debt on my credit reports. REMOVE IT. 

Pursuant to 15 usc 1692, I cease and desist XXXX XXXX XXXX from reporting anything, communicating with any entity about this alleged debt. 

XXXX XXXX XXXX and Equifax has 30 days to send documentary evidence requested in this letter, remove accounts off my credit reports. If not, I will proceed with next steps for legal action. This is ill affecting my mode of living and this needs to be rectified immediately from COMPANY and CRAs.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX  I sent an identity theft report and a certified letter to Equifax that was delivered XXXX The report was disputing XXXX unauthorized and fraudulent inquiries, and the letter was to update my personal information. On XXXX XXXX received a response from Equifax dated XXXX  stating the following : " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' That same day, I checked my Equifax consumer report, and I see the disputed items still being reported. This is a violation of 15 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items from my consumer report.
Complaint sub-issue: Problem with customer service

at XXXX XXXX  on XX/XX/2022 I called the customer service for Great Lakes loan servicing ( XXXX ) from my cell phone because I want to consolidate my FFELP loans owned by XXXX to federal direct consolidated loans. I had questions because I wanted to choose Great Lakes to service my loans once they are consolidated. The customer service woman was rude and impatient, and after a few moments where I tried to explain and clarify while referencing the info I'd gotten from student aid.gov, she hung up on me without answering my questions. ( Which has made me re-think choosing them as a servicer -- I will now take my business somewhere else. )
Complaint sub-issue: Received bad information about your loan

Summary : XXXX denied my TEPSLF application based on a requirement of which I was never informed. 

XX/XX/XXXX : I apply for TEPSLF XX/XX/XXXX : I am informed via e-mail that I am being considered for TEPSLF. 

This is the last communication I receive until XX/XX/XXXX. I learned from the TEPSLF web page that anyone who applied in XXXX would be informed by XX/XX/XXXX. 

I was not informed of my status at all. 

On XX/XX/XXXX I e-mailed to inquire about the status of my application. 

On XX/XX/XXXX, after hearing absolutely nothing, I contacted XXXX by telephone. 

The poor young man I talked to, XXXX, had the misfortune of telling me that I had been rejected, because ONLY the payments I made since my XXXX loan consolidation counted toward TEPSLF. At no point in the process was I informed that consolidation played a factor here. I asked to speak to a manager, and was put on hold for a while, eventually transferred to XXXX. XXXX talked to me like a child, explaining again that none of the payments I made before XXXX would count. I interrupted her to say that the problem was that no one had informed me of this and that I wanted information on how to appeal. XXXX promised me that this information would be sent. 

Instead I received an automated e-mail almost immediately re-iterating my denial on the grounds that were never explained to me in the first place. 

Repeated e-mail requests for the appeal process procedures this week have led to nothing but being told I needed to call in. 

I have also filed a complaint with the Federal Student Loan Ombudsman Group. I  don't mind paying my loans. In fact, I'm paid ahead until XX/XX/XXXX, that's how fiscally responsible I am. But don't tell me you're going to reward my public service, then keep moving the goal posts and treat me like an infant when I stand up for myself.
Complaint sub-issue: Account information incorrect

Someone used my info to enroll in school and I would like it removed of my credit report immediately. Please and thank you