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

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX FCRA violations : not my names XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Single XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX FCRA XXXX : accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$25000.00} Status Open.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

The attached documents were sent certified XX/XX/XXXX and shows as being received. They send a letter in return but NEVER do they tell me what month in XX/XX/2018 was delinquent. This account was Discharged XX/XX/2018. It was proved to discharge that XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 were paid. 

Then I received the other attached document threatening me to pay {$2000.00} by XX/XX/2018. 
I paid XX/XX/2018 mortgage {$1100.00} I paid XX/XX/2018 mortgage {$1100.00} I paid XX/XX/2018 mortgage {$1100.00} ( XX/XX/2018 ) I then paid {$2000.00} ( under the reservation of rights law - XX/XX/2018 ) I paid XX/XX/2018 mortgage {$1100.00} So what month is the {$2000.00} for? Not to mention the amount is well above the amount of my mortgage! My bank statements stand proof of this and have been sent to Seterus , Inc . They will NOT answer the question! They blame my lawyer who discharged the bankruptcy, but NO motion of cure was needed since it discharged as all months were proved paid! 
So again, WHAT month is Delinquent? I want the month in XX/XX/2018 that was delinquent as per their letter reads when they threatened to accelerate the loan! 

XXXX XXXX
Complaint sub-issue: Having problems with customer service

On XXXX/XXXX/15, I received a bill from Genesis Lending stating that I still owed {$0.00} when I thought I had already paid my loan off completely.As a result, I check my account online under the history and realized that I was chareged ( XXXX ) {$25.00} fees for a total of {$200.00} that I was not aware of. On XXXX/XXXX/15 at about XXXX Eastern time, I called Genesis Lending at XXXX and talked to XXXX XXXX I informed XXXX that I just received a bill from Genesis Lending for $ XXXX.She advised that my account is completely paid off and she will waive the $ 0.01.Informed her when I checked my account online, it showed that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} that I waw not advised of.She indicated that they were late fees.Informed her that I was still in school at the time when the late fees were charged.She adivsed that I was still responsible for the interest 6 months after the loan origination and ususally it is a couple of dollars per month.Informed her that I was not adivsed of it and I did not receive any statements or bills.Asked her if the fees could be refunded.She adivsed as far as credit reporting goes, there was nothing she could do becasue they were already reported to the credit buerea.She then asked a supervisor to see if the {$200.00} fees could be refunded.She came back and advised her supervisor XXXX said no.Asked to speak to XXXX.Informed Operations Manager XXXX that I was not adivsed that I had to pay for the loans and I did not recieve any statements or bills.Asked him if the statements were sent to XXXX XXXX.He indicated yes, and advised that XXXX University should have informed me.Informed him that I was also not advised that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} and I never recieved any paperworks showing such.Asked him to refund the {$200.00} fee.He advised that my account is now completely paid off and by refunding the {$200.00} fee, it would put my account into negative and they would have to credit me the {$200.00} which they could not do since they are only the loan servicer. ( XXXX ) of the {$25.00} were refunded. There were un-authorized charges on my account and Genesis Lending failed to provide statements showing charges, interests, payments and credits as per requested in my previous XXXX responses. Please be sure to provide statements showing such since the loan origination date. Alternatively, please be sure to send a refund check for the remaining balance of {$120.00} plus any interests to my address on file. ALSO, I keep on getting emails and mail indicating that I need to pay my student loan. Please be advised, my loan is completely paid off. Please update your file to reflect this so I do not get further emails or mails.
Complaint sub-issue: Didn't receive enough information to verify debt

I've disputed this debt with both the credit bureaus and Enhanced Recovery Company multiple times, and I have received no responses at all from Enhanced Recovery. They continue to report the account on my credit, and have verified it with the credit bureaus. I am entitled to the same information the credit bureaus are when it comes to accounts being reported against me. This information must be erroneous, and they are reporting it, which is a violation of the FCRA. PLEASE HELP ME!
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX i sent in a Cease to stop with drawling from my bank on XX/XX/XXXX XXXX responded advise it was honored. on XX/XX/XXXX Money Lion still with drew XXXX out of my bank and tells me my email was placed on another account that's why payments were not removed and now they can not refund my money after i spoke to a gentlemen who told me it was approved to be refunded i have all the documents proving i sent in a cease and it was placed on the wrong account
Complaint sub-issue: Reporting company used your report improperly

XX/XX/21 I submitted a request for Lexis Nexis Credit Reporting Agency to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

In accordance with the Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

To whom it my concern, I recently just received a copy of my credit report. And I notice the MOHELA Student loan that are listed on my credit report I am unaware of. This is a former update. I am requesting to remove this off my credit report that are listed below. I tried reaching out to this entity and I spoke with someone about this matter. But they still couldn't help me 1 ) MOHELA STUDENT LOAN # NumberXXXX
Complaint sub-issue: Was not notified of investigation status or results

A

few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Complaint sub-issue: Investigation took more than 30 days

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand why? Please help me out. 


-US DEPT ED XXXX XXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX -DP OF EDUC Equifax : XXXX
Complaint sub-issue: Reporting company used your report improperly

the company missed my private information and now I have credit issue and id theft on my bank account the company also lied to me about what was being charged i want this zero out and no balance do cause of there issues my phone is getting harrassing calls also the company is disrepectful and rude and does not care at all
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Every month on the second of each month, Seterus company calls to tell us they want their payment and how do I want to pay. We do owe them money however we have never been late on a payment and every time they call we ask them to stop calling us we are not late on our payment, I then have them verify that and ask them what is my due date and what is the grace period. Due date is XXXX of each month with a 10 grace period. I ask them are you a debt collection company they tell me yes. I tell them again please stop calling me. They continue to call my cell and my husband cell monthly if they do not have their payment on the XXXX of each month. This is a violation.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$7000.00}
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is an account that is erroneously being reported on my credit report. This is not my account.
Complaint sub-issue: Don't agree with the fees charged

In XX/XX/2018, I had my loan service switched from XXXX XXXX XXXX to XXXX in order to be eligible for loan forgiveness via income driven payments. The first payment that was due in XXXX was applied by a XXXX representative, over the phone using my credit card. After that first payment, I started to make payments online. All of my payments have been paid on time, actually early, and I always pay the full amount of {$370.00} and apply the payment to all loans. All of a sudden, in XX/XX/2018, I received a message that I had a past due amount of {$50.00}. That's impossible when I consistently pay {$370.00}, on time, every month. So I called the company to ask why I owed {$50.00}. I talked to two different representatives in which I did not get clear answers. Then I receive an email saying that I over paid on one of my loans. Which again is impossible because I consistently pay {$370.00} on time every month and apply the amount to all of my loans. I don't pick which loans to pay on. I call the company a second time and a lady says she would submit a request to have my payment reapplied. The next thing I know, my loan status is now in forbearance. Again, I call the company asking how and why I am in forbearance. I was told I asked for forbearance, which I didn't. I explained to the representative that I would not ask for forbearance because the sole reason for switching to XXXX XXXX was to be eligible for loan forgiveness. Accounts in forbearance are not eligible. During this phone call, two representatives go back and forth trying to figure out why I owe {$50.00}. They then end up telling me I paid on all my loans except the one that is past due and that I asked for forbearance. I then told them that was not the case and there must have been a misunderstanding somewhere in the phone call with the last representative. I tell the representative to take me out of forbearance. She said she would and then transferred me to someone else to make a payment of {$50.00} which I wasn't going to pay. I ask the next representative, again, why do I owe {$50.00}? She ended up saying she did not know and that it was confusing since I have been making appropriate payments, so she submitted another request to fix my account. Now, for the month of XXXX, it still says I owe {$50.00} plus the regular {$370.00}, but there is no past due message. I also notice that I do not even see that my past payments were credited to my qualifying 120 payments for loan forgiveness. I just need answers, I need my account status to be corrected, and I need my payments to qualify.
Complaint sub-issue: Debt was paid

this debt has been paid in full to XX/XX/XXXX Please remove this collection entirely from my XXXX  report
Complaint sub-issue: Trouble with how payments are being handled

I was diagnosed with XXXX in XX/XX/XXXX right around the time the pandemic began. Throughout the time that student loans have been paused, I have been dealing with health issues and accumulating medical debt. Since my XXXX diagnosis, I have had multiple surgeries and and trips to doctors so my expenses have been significant. I had to decide between paying medical debt which does not accrue interest or paying down my student loan XXXX and finally seeing the XXXX decrease for the first time since I started paying 10 years ago. I paid nearly {$5000.00} into my student loans since the pandemic and it has not been easy but I had to make a choice that best helped me decrease my debt in the long term. With the announcement of the student loan forgiveness plan, I will be eligible for $ 20k forgiveness and that covers my current XXXX plus the money I put into the loan. I have requested a refund of all moneys paid in since XX/XX/XXXX but my servicer, Nelnet, is dragging it's feet processing my refund. They are purposely delaying my request and will be putting me in a position where I may not be able to request the refund if my forgiveness goes through first or will not have option to pay that back in if it is the not the amount I am expecting. I have called and have been lied to about the process. I first requested the refund on XX/XX/XXXX and was told I would have a response in a week. 3 weeks went by and I followed up and was told that it would be 4-6 weeks for a response and then an additional 4-6 weeks for a refund. Thats almost 3-4 months! I believe they are unfairly and intentionally dragging out this process for their benefit ... it is a delay tactic and it will have severe consequences for many of us that are hopeful this forgiveness program will help us reduce or eliminate debt in hopes of building a better future.
Complaint sub-issue: Debt is not yours

Around early FXX/XX/2018 I requested statements from the creditor to validate the debt which is inaccurately being reported and adversely effecting my credit score.  You notified me that 1.your agent XXXX didn't misrepresent herself and It was a misunderstanding and that you would 2. Mail the statements I requested in 5-7 days. Well I have received theses statements On  XX/XX/XXXX and attached copies for all to see the careless work you do. Yeah maybe it was just a misunderstanding or worse, maybe you just don't care and it doesn't matter. You didn't provide any evidence of the original signature to validate the debt, no one nothing no name address or phone number, in fact the second sheet of paper could have been pulled from a trash bin. You sent XXXX XXXX a XXXX old resident from Wisconsin medical record of some sort. How do you make a mistake like that? I'm not going to exhaust any more time with communicating with you all. Please do not call me or I will consider it harassment. Send all correspondence by mail.
Complaint sub-issue: Information belongs to someone else

I submitted a FTC Affidavit along with a police report to XXXX showing that the XXXX XXXX XXXX account was opened as a result of fraud. This matter still has not been resolved. I need your assist in getting this matter resolved. I also can't see my credit results for Equifax.
Complaint sub-issue: Information belongs to someone else

There are 17 inquiries on my credit report that are not mine. I did not authorized any other there inquiries. I want them removed from my credit reports. See company and dates below : Credco XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a refrigerator, stove and washer and dryer at Home depot /XXXX- XXXX, I got the store credit card with the 18 months no interest rate in XXXX. The delivery was 2 1/2 weeks late I was suppose to get a XXXX credit on the credit card, the stove and refrigerator was delivered scratched and they were to give me two XXXX debit cards and a XXXX gift card. I only got one XXXX debit card and a XXXX gift card. I have called several times and it has not been resolved. In XXXX the refrigerator stopped working because it had only been 4 months that i had it XXXX had a repair tech come out 3xs. The repair guy told XXXX XXXX XXXX to replace the appliance it can not be fixed. XXXX said no they wanted to send another repair person out to fix it for the 4th time. I said no and asked to speak to a manager. I have talked to dozens of managers at Home depot and XXXX XXXX to only get the run around. I contacted the FCC and BBB and I only get an email saying the company has not responded. XXXX XXXX said they will not replace or give me my money back they will only try to fix it. I spoke to Home depot they said they will give me my money back by a credit on the card but they need to pick up the refrigerator and cant commit to when I would get the credit on the credit card. I said the same day you pick it up I will be in the store for my credit. XXXX from home depot said she would check with her manager and I have n't heard any thing for 3weeks now. I do not have a working refrigerator and no one will call me back. I want my money back for the refrigerator such as a credit on the credit card, I want compensation for the XXXX of food lost, I want the XXXX off for the scratch on the appliance as the promised initially for the delivery issue, the XXXX off of the credit card for the delivery issue they promised
Complaint sub-issue: Account information incorrect

I have contacted the XXXX even XX/XX/XXXX and now I need them to be aware that they are reporting wrong opened date and wrong creditor.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested that the credit bureaus to re investigate each account listed for the completeness and accuracy of the list of accounts below on XXXX 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

On XXXX they responded that my accounts were verified and 100 % accurate but how is that possible if they didnt do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have attached my latest credit report as proof. 

Accounts : : 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: Right to dispute notice not received

Did not receive ANY communication regarding overdue payment from Macy 's credit card, nor notice of it having been sent for collection. I only became aware of the debt upon taking my credit report. When I called Macy 's credit card and asked about this, pointing out that although I had moved, I had mail forwarding in place, I was told that Macy 's does not allow the post office to forward their mail -- they must instead return it to Macy 's. I was told that this practice is legal because it is stated in the original agreement. 
I do not understand how a company is allowed to have a practice that clearly makes it impossible for them to notify a customer who has moved about possible overdue payments. I had no recollection of owing money to Macy 's, and in addition to not receiving a reminder letter I have not received any phone calls ( my number has not changed ) or e-mails to that effect either ( I do, however, still get Macy 's ads and member deal reminders via e-mail ). 
My credit score has suffered considerably as a result of the lack of communication from Macy 's. I am in the process of buying a house, and a small debt -- less than a {$100.00} -- will now likely cost me thousands of dollars in higher mortgage rates. I find this entirely unfair, as I would obviously have paid the bill if I had know it existed.
Complaint sub-issue: Public record information inaccurate

My Equifax report documents enclosed shows open with a balance and should show as closed included in XXXX  XXXX bankruptcy and the balance paid in full. Also on XXXX my account should show closed, not derogatory, as all my other account show that were included in XXXX  XXXX case ... Case : XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXX XX/XX/2022. XXXX in remarks shows XXXX  XXXX but doesn't show closed.