Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I requested to have XXXX XXXX XXXX account updated on my credit report with equifax and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.
Complaint sub-issue: Information belongs to someone else

acima credit fka XXXX, account number : XXXX XXXX XXXX XXXX XXXX, XXXX, UTAH XXXX this company have allowed someone to open an account in my name under identity theft circumstances i have fought this company for over two years trying to have this remove from the the three major credit bureaus, after sending each major bureau notarized copies of police reports showing i was a victim of identity theft, only XXXX, and XXXX, removed Acima credit fka XXXX  from my report
Complaint sub-issue: Company closed your account

Fidelity/XXXX XXXX closed my account without notice or communication back in XX/XX/2018. I never received anything! I called the company to try and find out why all of a sudden my card didn't work to find out my account was closed. They refused to give me any sort of explanation or further information. They " re-sent '' a letter ( that I had never received ) backdated XX/XX/XXXX on XX/XX/XXXX, again with no explanation as to why the account was closed other than " in accordance with the terms of your Cardholder Agreement ''. To the best of my knowledge I never violated any terms ; my account was always in good- standing and my card was paid in-full every month and never had an outstanding balance. Fidelity refused to re-open the account or give further information.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There are late payments with XXXX that is reporting on my credit report, XX/XX/2020 and XXXX 2020. 

These payments were made late due to me contracting XXXX-XXXX  and being hospitalized and out of work for almost 2 months. 

I tried to dispute this information on Equifax site but the site has been down for hours. 

I am an XXXX and my position requires me to not have consecutive lates with a single creditor. I am also applying for a mortgage refinance and these lates will affect the rates I am given.
Complaint sub-issue: Old information reappears or never goes away

A duplicate report appears for the loans.  XXXX  set of the loans says they are with   XXXX   XXXX   XXXX  /  XXXX   and were opened   XXXX   2011. The   XXXX    set of loans is showing FedLoan Servicing and opened  XXXX  2011. This happened after I completed a Loan Rehabilitation program. They are the same loans, there are not  XXXX  loans, just  XXXX . I tried to dispute the information with credit reporting agencies, FedLoan,   XXXX   XXXX   XXXX   and received no help. The disputes are always declined and the false information stays, which is causing damage to my report by showing extra sets of loans with late payments. I have even tried to have a credit repair person help and they have been unable to have the loan servicing companies correct it. The FedLoan Servicing report is even marked as " Account transferred to another lender '' so it should n't still be there while the other lender is reporting the loans, also.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I JUST RECEIVED A CALL FROM A COLLECTION AGENCY CLAIMING I TOOK OUT A LOAN FROM A COMPANY AND THEY KEEP TRYING TO THREATEN ME SAYING THEY HAVE A COPY OF MY DRIVERS LICENSE AND BANK ACCOUNT INFORMATION. I TOLD THEM TO STOP CALLING ME BUT THEY INSIST ON HARASSING ME
Complaint sub-issue: Other problem

From my XXXX XXXX account I accidentally send a {$400.00} payment to CitiBank Credit Card ending # XXXX on XX/XX/XXXX, XXXX to an Citibank account that had been closed for five years. I owe them nothing, I closed the account because the interest was to high. Noticing the mistake, I phoned CitiBank Customer Service first on XXXX, XXXX, XXXX, to report it and asked for them to return the funds back into the account @ XXXX XXXX  that it came from. This was impossible they told me, but that a check would be sent. No check. On XXXX, XXXX, XXXX, I phoned again, to find that the check had not gone out, but was in process. Nothing. On XX/XX/XXXX, XXXX, I called again to find the check supposedly to return my funds was still in processing, or so they said. I asked them to send it electronically, but they said they could not do this. I told them my local XXXX does the exact same thing in five seconds. They will NOT return my monies, and no matter how many times I call they say the same thing .... 

CitiBank is refusing to refund monies sent to them accidentally to a closed account from my online XXXX XXXX account, and still as of today, no check, no refund, and no assistance.
Complaint sub-issue: Problem getting your free annual credit report

My credit score shows that it has not been updated since XX/XX/2022. There is no option to refresh and get an updated score. On the screen it showed that the score would updated in 1 day but the 1 day has passed and the score has not updated. I still see the score hasn't been updated since XX/XX/2022. I filed a case on XX/XX/XXXX and there have been no updates or changes for the case since then. I have called to check the status or get an update and had 2 reps hang up on me before I could get further information.
Complaint sub-issue: Reporting company used your report improperly

My data was breached with the Equifax hack, I have to place a freeze on my credit score to prevent any credit cards from being opened in my name.
Complaint sub-issue: Account information incorrect

I attended the school in XX/XX/2019 and I withdrew from the school early because I didnt like it so I stop attending the school on XX/XX/2019 I went there to withdraw. The finicial aid guy talked me into holding my seat because I may come back instead of withdrawing and starting over. He told me I would not be charged I would be tooken of the attendance. I told him Im not coming back though he insisted this was the better option. I got an phone call in XX/XX/XXXX saying why havent I been in school then I had to explain to the guy what do you mean I was suppose to be withdrawn he said Im still on the attendance as Im coming to school. I was shocked because the guy lied to my face and still had me being charged when I wasnt there any more. I owe a loan in the amount of XXXX and its on my credit already and I was approve for fincial aid too
Complaint sub-issue: Was not notified of investigation status or results

Have written to XXXX, Equifax and XXXX  3 times in regards to XXXX XXXX XXXX  XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX  XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my debts until final divorce, which was XX/XX/XXXX, ( proof attached ). I was unfairly sent to collection since I was not employed nor am I currently working. This account was sent to collection about spring of XXXX and Divorce was XX/XX/XXXX, which means it was responsibility of ( ex ) husband. ACCOUNT WAS CLOSED XXXX. I would request this be DELETED from my credit report as it is INACCURATE
Complaint sub-issue: Didn't receive enough information to verify debt

I sent Equifax multiple letters to verify this account and I never received proof or a copy of a application with my signature.
Complaint sub-issue: Problem making or receiving payments

Had a heated conversation with bank manager about policy, the next day i was called from another bank manager and we decided to end our relationship.I was told ant the end of the month my acts would be closed.The next day i went to close and pick up my money i was told my acts were closed the day before and checks were sent out fed ex tracking number would be available the following day.the next day i was told the checks went out XXXX and tracking number would be available the next day. the next day i was told the checks went out first class mail and wait 5 days if they would come.it is now 3 weeks later and the crippling effects this has had to me and my business by not having any of my funds, personal and business.has to be addressed.i never knew banks could steal all your money with the excuse of one of the oldest lies in the book, The check is in the mail. HELP
Complaint sub-issue: Received bad information about my loan

I have numerous complaints about my loan servicer, FedLoan. 

1. The process of transferring my loans from XXXX to FedLoan was done incorrectly and my payments that were approximately {$50.00} ( income based repayment ) were {$150.00} ( income based repyament ) because they did not calculated my payments off my adjusted gross income. 

2. I was recommended by FedLoan to enter forbearance to buy time until my yearly tax returns were released, so they could recalculated my monthly payment of my IRS adjusted gross income. This actually caused me to be denied for the repayment plan because I was in forbearance, capitalize my loans unfairly, and revert to a 10 month standard repayment of almost {$4000.00} ( approximately 2 months worth of my pay ). 

3. I was denied at least 3 more times over the course of a year for my desired income based repayment plan for various reasons including unacceptable FedLoan delays in processing my infomation leading to expiration of the required application, inconsistencies between paper and online FedLoan IBR applications and loss of my employment salary information by FedLoan. It should also be noted my loans then capitalized multiple times and I also missed out on 12 potential qualifying payments towards the National Public Service Loan Forgivness program because of the above delays. 

4. Rudeness and unhelpfulness from the FedLoan staff, including initial denial of my request on the phone to simply check their fax machine to verify they had received one of my applications. 

5. After finally entering the income based repayment ( pay as you earn ) plan, incorrect tallying of the total payments I have made towards National Public Service Loan Forgiveness at least 3 times over the following few years. They still can not correctly count how many payments. I am told that they are submitting my information again to recount but have not heard anything in at least two months. 

6. Employment recertification is requested from me on a more frequent basis than yearly because they are inefficient at keeping track of their paperwork. Why do I have to re certify again so soon? I just did this. 

It should be noted that I have already had a lawyer for a period of time to help me gain enterance to the program and I submitted a long list of complaints to the US department of Education. Their response was less than satisfying. My desired resolutions have not been done.
Complaint sub-issue: Problem with personal statement of dispute

I have an open credit card account with Citibank, and have consistently communicated to them that they have the wrong phone number on my account. The phone number listed has not been active for nearly 5 years. As seen in my log-in earlier today, Citibank continues associate my account with the wrong number ; as such, I am rarely able to access my account. Attached is an image showing the associated wrong number despite the corrective actions Ive done on a consistent basis to update my information with Citibank. 

My concern is that Citibank is inaccurately reporting a XXXXdelinquincy on my account. I have had good credit for the past 10 years, but Citibank recently reported a XXXX delinquency XXXX approximately {$260.00} XXXX and never properly communicated to this balance and failed to properly communicate to me even at the XXXX delinquency. 

I tried resolving this issue with Citibank immediately once I found out about a past due balance as I thought this to be an unfair representation of my credit. Ive never had a delinquency reported payment on my credit. Immediately after finding out about this past-due balance, the same day I made sure to make a full payment to ensure that Citi was paid in full. 

On or about XXXX XXXX XXXX my Citibank representative admitted to have called the incorrect number when communicating to me about the XXXX delinquency ; this was the same day I made a payment to Citibank. I also explained to the representative that this was not fair and that I have communicated numerous times about the number indicated was wrong. Despite my explanation and efforts to remedy the reporting, Citibank communicated to me that they would not reverse the XXXX delinquency. My actual payments posted on XXXX/XXXX/XXXX which resulted in my balance with Citibank to this day to be {$0.00}. 

On or about XXXX XXXX, XXXX Citibank representative confirmed that she had updated my correct information for my mobile/home phone number. I only have one number. Interestingly, when I log online, the phone number shown and associated to my account is still wrong. 

In addition, Citibank had stopped sending me paper statements and, instead they started sending e-statements. I revisited my emails and looked to see if I had received some warning or notification, but no XXXX or XXXX delinquency messages were found. On or about XXXX XXXX, XXXX, I verbally communicated to my Citibank representative that I would like to continue receiving my paper statements. 

As a result of this miscommunication, the incident worth {$260.00} negatively impacted my credit score and reduced this by approximately 100 points. I am hoping for your consideration in remedying this XXXX delinquency reporting, which I feel to be an untrue reporting of my actual creditworthiness. I truly appreciate your time and consideration on the matter.
Complaint sub-issue: Report improperly shared by CRC

I can not believe Equifax Solutions, They have the worse customer service and they are reporting for the Business. I found out that they are reporting commercial card that is not mine on my Business Profile as Delinquency 5 times and wo n't give me the company name or number. The account number or the balance on the account do not match any of my credit cards or loans. This is a error that stop peoples bank from getting me funding. I ask to speak to the supervisor XXXX to find out why I can not find out more about this account by becoming a member online. The supervisor told me they will charge you {$99.00}, but you will only get a summary of your account, but it still wo n't let you know what company is reporting that information so I can contact them personally to resolve this issue. XXXX also said you have to wait 10 days for your credit report by mail before I can do a dispute. XXXX said because of there policy if I do n't have the credit report we can not give you any information on this account. Then I told XXXX that is why I ask to open an account online so I can access my report right away. So I can resolve this myself because this is a error because I do not have any accounts that match what they are reporting. I am so disappointed in this Equifax Business Solution reporting agency. They aloud a company to report of my Business profile, and charge company to see their profile but if there is a problem there is no way to contact the company who is doing that making it a scam. On my personal credit account with Equifax I have access to all my accounts company name and contact number. Why would Equifax not do the same for the business makes nosense, They should not be charging or reporting on business if they going to be onesided. This is my business they have no right reporting false information and not giving me the company that is doing and saying it is not there fault it is there policy. This is stopping me from getting funding and it could take up to 60 days when I could have resolve it right away by getting a letter from the company to give to peoples bank so they can give me a past on this error. And also do a dispute right away base on the information that is clearly on my report. Error like these can take me out of business. Small business need funding. I attached the email from peoples bank showing the account from Equifax business solutions.
Complaint sub-issue: Charged too much interest

The balance was paid in full last month yet Home Depot STILL charged interest on a XXXX balance. 

I have seen them do this before and have called them out on these unfair and deceptive trade practices. 

I submit this complaint primarily to assist the other Americans who are not as financially savvy as I am nor as conversant with Title 18 violations and other Banking regulations meant to protect hardworking Americans instead of fleecing them as has been the practice in the past. 

Thank you so much for your time and consideration.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the heart increase Equifax and XXXX only removed XXXX to XXXX of the inquiries.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently started working on my credit I saw that I have 25 hard inquiries on Equifax,11 on XXXX , 12 on XXXX I called the company on XX/XX/XXXX asking to either dispute or remove these because they were not authorization each company told me they would dispute them seeing as XXXX had there breach last year and Equifax this year within a couple days I received emails saying they were completed so I tried to check there status I was n't able to access online so I called today XX/XX/XXXX and was told they ca n't dispute it and even though they unauthorized there was nothing they could do
Complaint sub-issue: Can't get other flexible options for repaying your loan

I attended the XXXX XXXX of XXXX from XX/XX/XXXX XX/XX/XXXX. I took out student loans to pay for tuition that I was consistently mislead and overcharged quarter after quarter, not realizing at the time because I trusted my financial advisor. I paid over {$2500.00} a month as well as taking out student loan and grants that I was not being informed on.I was given false information regarding these loans as being led to believe they were grants and not having to pay them back as well as paying partial tuition up front, ( cash ). I was also misleading on the entirety tuition cost as a whole. 
The XXXX XXXX promised its graduates MANY things that were never attained post graduation. I was told graduates would be placed in an industry-related job after graduation, and that did not happen. I had no help whatsoever with my job search after I graduated in XXXX. I was also promised prestigious, industry focused internships throughout my time at the XXXX XXXX of XXXX. This did not occur. The professors who had the industry connections did not assist with finding students internships. I found all of my own internships and externships with no assistance from the Institution. I now have over {$85000.00} in student loans that are not valid from an institute that has completely closed down, Nation wide and I can not do anything with this company, AES ( American Education Services ) because it is considered a private loan. So, I can not request a borrowers defense exception for the {$19000.00} that AES is requesting I pay them. 
I want this company to work with me and see this {$19000.00} student loan went to a fraudulent Institution that is no longer in business and I can not get a Job in my field of study. Therefore, I can not - and should not be held responsible. 
I am tired of the calls, threats from this company trying to use emails and scare tactics demanding I pay. This private school loan should not be held valid under my name nor I should be responsible because the institute was misleading and fraudulent.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Received bad information about your loan

I've been working with them to defer but it seems like they were lying to me about deferment for months. Now my loan is charging off in the amount of XXXX and with principal loan of XXXX. I need help with this situation
Complaint sub-issue: Information belongs to someone else

Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on it. I was very confused as it said they were trying to collect for XXXX XXXX. I have never had an account with XXXX XXXX XXXX or XXXX XXXX so I'm not sure why they are reporting on my credit. I never received any notices, calls, or notifications about this debt and that violates my 30 day right to dispute. Had I received proper notice they would have known that this account is not mine and it must be removed. I suggest they find who this belongs to.