Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hello, and to whom it may concern, I've having ongoing issues with XXXX. I've tried multiple times to point out to them that they are reporting false and inaccurate information on my credit report. It's been 30+ days now and they have yet to respond to my dispute letter. XXXX are violating my consumer rights. I've pointed this out to them and they just don't seem to care and they are not taking me serious at all. Credit bureaus are supposed to be reporting 100 % ACCURATE INFORMATION as well as doing everything that they can to ensure that the information appearing on one 's report is accurate.
Complaint sub-issue: Debt is not yours

Ive tried to to contact for information & proof of debt and non payment history and have not been contacted back
Complaint sub-issue: Attempted to collect wrong amount

Company calling itself AFNI, Inc. sent me a collection notice purporting to represent XXXX. Alleged a balance due of {$1900.00}. My account with XXXX was closed in XXXX or XXXX of 2015 and paid in full. 
Company name and address : Afni, Inc. XXXX XXXX XXXX, XXXX IL XXXX Company phone : XXXX Company website : www.afnicollections.com Their letter to me included several account numbers which I will gladly provide on request.
Complaint sub-issue: Frequent or repeated calls

This company has been asked before not to call my work, as it could result in me losing my job. Today by XXXX they called 6 times. The caller also revealed details of the debt to the receptionist that answered the phone.
Complaint sub-issue: Account status incorrect

i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information.
Complaint sub-issue: Information belongs to someone else

I have attached supporting documents for this identity theft claim. I would want the accounts removed and blocked because they are fraudulent and do not belong to me.
Complaint sub-issue: Debt is not yours

Vance and Huffman is falsely reporting a collection item on my XXXX, XXXX and XXXX credit reports that I do not owe. I disputed the account and Vance & Huffman LLC falsely updated it as " valid ''. The account falsely claims owe XXXX XXXX XXXX and amount of {$310.00}, which I do not. Account number XXXX. 

I do not owe this amount, I have never taken out a loan with XXXX XXXX XXXX or Vance & Huffman. Nor have I ever done business with either. 

The erroneous collection must be removed from my XXXX and XXXX reports as Vance and Huffman has never contacted me and has not sent me anything substantiating this alleged debt. It is not mine and is negatively affecting my credit. I am an XXXX and this irresponsible and false reporting can adversely affect my employment. 

This company needs to do its due diligence to verify debt ownership before reporting ( and continuously updating with no investigation ) false information on consumer reports.
Complaint sub-issue: Problem with personal statement of dispute

I had an automatic payment of {$50.00} scheduled for payment to my XXXX XXXX Credit Card, because my minimum due ran around {$33.00} per month. In XX/XX/2016 i made some bigger purchases using my XXXX XXXX Credit Card, which them increased my minimum due for the month of XXXX. During this time I was out of the country and did not realize that the minimum automatic payment i had set up was not going to cover the increase to the minimum due causing for my {$50.00} automatic payment to not be enough to cover the minimum. This situation caused a negative reporting to the credit bureaus by XXXX XXXX which reduced my credit score by 95 points for this one late payment reporting. I tried contacting both XXXX XXXX and the credit bureaus because i felt that 95 points was too much for just one late payment, which was not even late it was insufficient. When speaking with one, they would tell me to contact the other. I opened a dispute with the credit bureaus and got no resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Personal information incorrect

My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to XXXX, XXXX  and Equifax, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I ctc what I thought was Fedloan servicing it was in fact Fedloan service. 
I was asked immediately for my ss id and bday, I provided this and was given false hope about XXXX payments, info about my payment history. When I became suspicious I confirmed with Fedloan servicing that this 3rd party was NOT them. I called back asking for any identifying info, to protect my info and be sure that whom I provided my personal and sensitive info to would not misuse it, to which he eventually hung up on me by transferring me for asking too many questions and gave me no info to help. He mentioned cutting corners, and doing things he should not be doing to assist me. he used my XXXX  XXXX situation and single motherhood to endear me. XXXX XXXX : manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service *** XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA XXXX REPORT District attorney : Here are my notes Scam? 
XXXX  XXXX XXXX act : Dont qualify for public service Do an assessment off the record to see if this is worth pursuing 180 page app : Pay off loan : 2 payments of 199 Then new payment ( under XXXX ) XXXX= 6 XXXX 12 180 months forg. act forgive what I cant pay Algorithm XXXX Up by XXXX for every easement XXXX : XXXX XXXX XXXX manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service XXXX XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA
Complaint sub-issue: Received bad information about your loan

Fed. Loan Servicing has refused to update my eligible payments to the Public Service Forgiveness Plan. I have called them multiple times about fixing this this problem. They keep saying that they are working on it, and sent me an email saying that they are trying to verify if my school qualifies. Obviously my school qualifies because it is a state school, so verifying this should take no more than 5 minutes. The problem is that I sent this information in XXXX of XXXX, and now it is XXXX of XXXX, It doesn't take 5 months to verify if a school qualifies for eligible payments. In addition, on their website it says they need more information from the government before granting anyone a limited waiver exemptions. However, it was very clear in the language in the media who qualifies for this waiver, which is all people who have direct loans. It's like Fed. Loan Serving is not serving loans anymore after this year. So, they are not making any effort on helping anyone. I want eligible payments updated ASAP, because I should not have to make any more payments. But, because they refuse to update their system I am unsure where I stand. Five months is a very long time to verify a school that could be done immediately. The fact is that they are still under contract and getting paid to help borrowers, so I would like my account updated. In the past, they denied eligible payments that other servicers deemed eligible payments. This is unethical, and unnecessary. At this point, I just want my account updated with eligible payments posted and late payments counted as eligible payments under the limited waiver rule. Please help!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # 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 is incorrect

I guess my problem is easy enough to fix but I don't know how to or who to call. I applied for credit at an online store and I'm sure I would have gotten it but they were informed that I had placed a credit freeze on my file. I never have!!! It says that it's Equifax credit that told them that. Can you contact them after you see it's not frozen? It's from XXXX XXXX, Phone number is XXXX and my order number is XXXX. Some things I ordered are for XXXX gifts so I'd appreciate it if you can call them to get my order started. Thanks!
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am reporting this on my own behalf. XXXX, XXXX, and Equifax are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT BEFORE. I REMEMBER REQUESTING AWHILE AGO THAT A FRAUD ALERT BE PLACE ON MY CREDIT REPORT. BUT AFTER EXAMINING MY REPORT TODAY, I STILL SEE THAT THERE IS A BUNCH OF FRAUDULENT INFORMATION STILL APPEARING IN MY CREDIT REPORTS FROM ALL 3 MAJOR CREDIT BUREAUS ( XXXX, EQUIFAX XXXX XXXX. THIS FRAUDULENT INFORMATION INCLUDES CLOSED ACCOUNTS, COLLECTIONS ACCOUNTS, WRONG NAME, S WRONG EMPLOYERS, WRONG ADDRESSES AND INQUIRIES. I WILL LIKE ALL THE CREDIT BUREAUS TO REMOVE AND BLOCK THIS INFORMATION FROM APPEARING ON MY CREDIT REPORT AGAIN. IF NOT ALREADY ON MY REPORT I WILL LIKE AN EXTENDED FRAUD ALERT TO BE ADDED ON MY REPORT. I HAVE NO IDEA WHO THESE ACCOUNTS BELONG TO AND I HAVE NEVER RECEIVED ANY TYPE OF GOODS OR SERVICES FROM ANY OF THE COMPANIES LISTED IN THIS REPORT AND IN MY FTC AFFIDAVIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO IDEA WHO USED MY INFORMATION OR HOW MY INFORMATION BECAME COMPROMISED. 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX 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 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL MY NOTARIZED DOCUMENTS TO XXXX XXXX SERVICES AND TO EQUIFAX. I AM CONSUMER WHO IS A VICTIM OF AN IDENTITY THEFT, I HAVE NEVER REQUESTED OR WANTED TO BUY A CAR FROM XXXX XXXX SERVICES. I HAVE NEVER DRIVEN A XXXX, THIS ACCOUNT IS NOT MINE, IT WAS NEVER MINE.
Complaint sub-issue: Debt was paid

I was told at my appointment XX/XX/2021 that this amount had been either paid by insurance or written off and I have a statement from the provider that shows a XXXX  balance. Now, a year later, this " TekCollect '' company out of nowhere says that I owe this amount. There is much more detail in the attached statement of what has occurred. TekCollect flagged my credit report with unpaid debt FOUR DAYS after the first telephone call to me and they have not returned my phone call to get this resolved. My credit score has gone down XXXX points due to this.
Complaint sub-issue: Didn't receive terms that were advertised

I've not received the XXXX AA miles after spending $ XXXX and have tried to contact them on several occasions. They said they needed the promo code but the physical mailer doesn't have a code ( see attached ). They also said that they don't see it in their system, however they did say on XX/XX/2021 that it would be deposited to my account within 5 business days. Confirmation XXXX On XX/XX/2021, I have been hung up on the last call to get this resolved while spending over an hour. The account XXXX doesn't respond or is helpful. I have seen other complaints of this happening before with other Citibusiness checking promos. This is not the first time.
Complaint sub-issue: Account status incorrect

I have already sent it letters asking the credit bureaus to remove this information and theyve failed to do so in a timely manner
Complaint sub-issue: Confusing or misleading advertising about the credit card

Received an unsolicited debit card in the mail, indicating that I had somehow signed up for a product. It's similar to the activation that you would receive when your main bank sends a replacement or new debit/credit card. It included a working debit card, with an account number assigned, despite no I formation being given to them by me. It includes an account number, routing number, expiration date, security code, and my name printed on the card along with a chip and MasterCard logo. A quick search found that others have received this deciptive marketing practice and we're concerned about identity theft. All sources told me to quickly file with CFPB.
Complaint sub-issue: Debt is not yours

This is debt is in connection to someone living in XXXX Arizona. I do not live in that city or state.
Complaint sub-issue: Banking errors

MoneyLion is a new bank that was offering a 'Pave the Wage ' promotion to join. The promo was 17 % of initial direct deposit, up to a max of {$590.00}. I signed up and opted-in to the promotion and made my first direct deposit on XX/XX/2019. I never got a confirmation, so I emailed the company to make sure I was eligible. The reply states I would be opted in to the promotion. I then made continuous direct deposits of my pay every 4 weeks. The promo states the {$590.00} bonus would be paid at 90 days. 

It has been well over 90 days and no bonus. I tried to contact the company by email, XXXX XXXX, XXXX XXXX, and using their online help. I have not received a single reply. 

And, within the last week, the company raised {$XXXX} XXXX dollars and now has a valuation of $ XXXX. 

Terms : XXXX XXXX XXXX  Copy of email : XXXX XX/XX/2019, XXXX XXXX Hello, Thank you for your response! 

I have submitted your information to be included to be opted in. We appreciate your patience! 

Best Regards, MoneyLion Support Team
Complaint sub-issue: Account status incorrect

On XXXX XXXX and XXXX XXXX XXXX I filed a dispute with Equifax online for the collection with XXXX XXXX to be removed from my credit report. I have sent them a paid and settled letter and also a letter from the collection asking for this to deleted from the my credit report. I have spoken with XXXX XXXX on numerous occasions and they stated that they sent a deletion AUD number on XX/XX/XXXX to all CRA, all, except Equifax have deleted this collection from report. My credit score is has dropped significantly bc of this collection. I do n't know why Equifax will not update this collection when they have received the information from the XXXX XXXX asking for this to be deleted from report. I need this collection to be removed from my credit report
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$1100.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX VA ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
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 Account name XXXX XXXX Account # XXXX Account # XXXX Has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A Section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 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 the the information is inaccurate
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/2019, I applied for PSLF with my then loan servicer XXXX. They responded by transferring my 6 disbursed loans to FEDLOAN Servicing effective XX/XX/2019. I am on a IDR plan and had made 18 qualifying payments on the due date ( effective the XX/XX/2019 certification date ) When FedLoan received it from XXXX, they only credited several of the loan accounts with the 18 qualifying payments. Some of them showed XXXX. If the monies had been recorded correctly, they should all have the same amount of qualifying payments. 

I have reached out to them numerous times. The email request said I should just look online for the updated number ( there was none ), and the only verbal phone call response was it may take months to review the case.
Complaint sub-issue: Information belongs to someone else

INACCURATE INFORMATION SHOWING UP
Complaint sub-issue: Other problem getting your report or credit score

I am trying to get a mortgage loan but on the merged credit report, it is not getting the correct information for Equifax. XXXX and XXXX both have my SSN and correct information, but Equifax has my brother 's information in the report. I have tried to file a dispute through Equifax ( XXXX ) but my MyEquifax account is not able to be accessed and I have not been able to get Equifax support 's help with it completely. When I try to verify my information with Equifax 's automated system, it asks questions about credit that is not relevant to me. When I try to get another merged credit report with XXXX, it won't allow me to set up the XXXX account either because it asks security questions that belong to my brother 's credit. I believe there is some kind of mix up deep in my Equifax file because I am having various issues relating to their information and services.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX Has violated my rights. 

*XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX TX 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 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: Their investigation did not fix an error on your report

On XX/XX/2021 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: Frequent or repeated calls

I currently have an open account with Conn 's furniture. My payments are due on the XXXX of each month and when I do n't make my payment on that day, calls start coming in starting at XXXX to XXXX every hour on my cell phone and my home phone which is very annoying. I try explaining to them when I will be making my payment which usually has to coincide with my paydays but never accepting any explanation only if I provide a post dated check with them which I 'm very uncomfortable in doing. I have contacted the XXXX in the past but they just told me attempt was made but no response from the company. What can I do to stop the harassment and I pay my bill every month with just that I ca n't always make on that day sometimes.
Complaint sub-issue: Reporting company used your report improperly

In Accordance With The Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Has Violated My Rights.

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

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

Since XX/XX/XXXX XXXXXXXX XXXX XXXX  has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.