Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I SUBMITTED PAPERWORK TO EQUIFAX AND XXXX A NUMBER OF OCCASIONS. XXXX  DELETED IT AND THEN PUT IT BACK. THEY KEEP TELLING ME ITS BEEN VERIFIED, WHICH IS IN CORRECT. THE THIRD PARTY VENDOR THAT THEY CLAIM TO HAVE VERIFIED DOES NOT HAVE INFORMATION ON ME BECAUSE I HAVE OPT OUT, THEY CAN NOT VERIFY ANY INFORMATION ON ME. SO IF IT CAN NOT BE VERIFIED THEY HAVE TO DELETE IT.
Complaint sub-issue: Company closed your account

Elan closed my account after missing one payment... they say it's because they can't identify me... but why would they approve me in the first place.. so I called and they wanted me to mail my ID and ss card... I'd sooner cut up the card... but want others to know what a headache they can be
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX  XXXX XXXX ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX GOT AN ILLEGAL JUDGEMENT ON XX/XX/2008 CASE NO.XXXX  XXXX, ARIZONA. THIS WAS RE-INSERTED BACK INTO MY CREDIT FILES RECENTLY!
Complaint sub-issue: Information is not mine

This complaint is against XXXX Information Services LLC because I do not agree with the investigation made by the company Information Services LLC, the accounts that I am disputing are XXXX and XXXX Credit Card. This accounts were opened without my permission or were authorized ( fraud ). Which the XXXX companies were reported in the last three months. How i have said before I made all the documents and evidence that I have which is the Affidavit, the police report and my ID. XXXX and XXXX made opposite results than Equifax , these results were correct and were made on my favor supporting the true statement that I am victim of fraud, following the federal law, which is FCRA 605B. I find it odd that Equifax gave a different result.
Complaint sub-issue: Reporting company used your report improperly

I found out in the news ( X/X/2017 ), 2 months after the alleged security breach took place with Equifax, that 143 million Americans ' information might have been compromised. This included SSN, DOB, credit card info, and other personal identifying information. I checked the Equifax site and was told it was likely my information was exposed. 

I was not notified by the company, but instead had to go look for the information myself. 

The breach is inexcusable and places my identity and credit at risk. 

I have since tried to freeze my credit with Equifax, but found out that anyone with certain information ( ie SSN ) could unfreeze my credit with Equifax. This is beyond the pale of incompetence.
Complaint sub-issue: Account information incorrect

Recently I have been denied credit from lenders based on information received from Equifax Credit Reporting. However, this information IS NOT on my report as such according to the FCRA, I am requesting to know immediately why fraudulent information is given to lenders yet the report records that I have received do not have such information. I have in accordance with FCRA regulations sent numerous letters to Equifax and all credit reporting agencies that they can not can not furnish information that is inaccurate, fraudulent and they continue to violate this request and give lenders information that is NOT on any of the credit reports Equifax has sent to me. The inaccurate and fraudulent citations noted by several lenders, including most recently XXXX XXXX  include : 1. Serious delinquency ( I do not have any on my Equifax report ) 2. Time since delinquency is too recent or unknown ( since I dont have any delinquencies this is incorrect ) 3.  Proportion of balances to credit limits on bank/national revolving accounts is too high ( again this is incorrect as my balances are well within the standard or below standard acceptable percentage ) 4. Too few accounts currently paid as agreed ( all my accounts are in good standing and upon checking my latest Equifax report assistance, there is no negative information to verify this ). This citation is arbitrary by lender, but still is not on the my Equifax report. 

Equifax is the only credit reporting agency that has thus far refused to follow the FCRA statues in either removing fraudulent information and/or providing information that was identified as fraudulent in my identity theft case. My Equifax credit score is considerably lower than ALL other credit reporting agencies by any reasonable standard. Again, this is due to Equifax refusing to follow the FCRA guidelines that the other credit reporting agencies followed and the lenders that were involved and have since removed the fraudulent information. I can not stress enough how severe the damage this has caused my credit scores and I am dumbfounded at Equifax blatant disregard for the federal laws put into place to help consumers combat identity theft and the like. Again, I want to emphasize that of all the credit reporting agencies, lenders, banks, etc that I have notified, written and otherwise contacted throughout this process EQUIFAX is the ONLY company that has refused to follow the guidelines and continues to furnish information that is inaccurate and fraudulent, but the information provided to lenders is not even on my Equifax report! How is this even possible and how can any consumer dispute information that only the Credit Bureau and Lender have access too?
Complaint sub-issue: Account status incorrect

I made my second to last lease payment of {$390.00} with US bank before the XX/XX/2016 due date. I received a call on XX/XX/XXXX that the payment was not received. I explained that I made it online, and they said that the information must have not been entered correctly. The US Bank website is truly awful with no way to even save your banking information, it must be manually entered every month. I made another payment online that day. I received another call on XX/XX/XXXX that the payment was still not received and it was over 30 days late and may come up on my credit report. I also received a letter after that stating that it was over 30 days. In the 36 months of this lease, and all my financial responsibilities for that matter, I have never been late with a payment. My credit is perfect when it comes to on-time payments. The website malfunction was not communicated properly until it was too late. I should have received at least another call or a letter prior to the the 30 days. I finally made the payment over the phone on XX/XX/XXXX to make sure it was received. I wrote a letter to their CRA management office with no response and I have disputed this delinquency with the credit bureaus with no resolve to my satisfaction. I was a great customer and I believe I deserve better.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I called XXXX and they told me that if I paid the account that they would remove it from my credit report. They told me it was 72 hours to process and 45 days to remove from my credit file. SO i did my part and I called the collections agency and paid said account. Here it is XX/XX/XXXX and it is still on my credit file showing a XXXX balance, nonetheless still on my report. I was told this was going to be removed. So i went ahead and called the credit collections company Enhanced Recovery Company XXXX and they told me to call XXXX. So i hung up called XXXX, they bounced me everywhere including the fraud department. I finally spoke with a person who told me to get back with the collection company and they are the ones that wll remove. I called ERC and they told me to contact XXXX that they have a contract with them and cant remove the collections from my credit file. I feel like a ping pong ball i lived up to my end I paid it they said they would remove it ... XXXX nothing has been done
Complaint sub-issue: Account status incorrect

On XX/XX/29 XXXX XXXX notified me that when we transferred our cell phone service from their consumer department, to their corporate department after formation of my small business, that we had a small balance due. I never received a final bill for the consumer account and was unaware that a balance was due on it. I immediately made a payment of {$180.00} and asked the representative if they would remove the negative reporting from my credit reports. The representative who took my payment confirmed with their supervisor that they would completely remove the collection account from my credit reports, not just update the status to a paid collection. I have disputed this account with the credit bureaus and they refuse to remove it from my report
Complaint sub-issue: Information belongs to someone else

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported to my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX 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 very stressed out as I found accounts that are not mine. I do not recognize these accounts and can not understand why they are here in my credit report. Could you please make identification of this problem and check these items because I am very confused and can not understand what to do. I am worrying about my credit score as I am planning to move forward financially. Please after you check find out how I can resolve this situation with my credit score.
Complaint sub-issue: Account status incorrect

In XXXX of 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!
Complaint sub-issue: Account information incorrect

There in accurate information reporting on all three bureaus. The balance of an auto loan was not consistent
Complaint sub-issue: Public record information inaccurate

Discover credit was discharged in chapter XXXX bankruptcy. Now they are reporting a balance
Complaint sub-issue: Problem making or receiving payments

To who 'm it may concern, Hello my name is XXXX XXXX. I was a victim of a scam/phishing scam with my U.S Bank account which severely impacted my funds! I have had near {$4500.00} stolen from me via XXXX payments made through my U.S Banking app which I never authorized. I noticed this issue when I deposited money to my account, went to pay my credit card & my card was denied due to lack of funds! At this point I had a bad feeling so I checked my account and noticed my funds were missing. Ok no problem, I've had unusual charges before with XXXX so I call in to U.S Bank & speak with a very nice lady she helps me make claims & re-assures me my money will be returned to me once they investigate. I call back after 10 days of this claim and ask whats going on with it as this is a lot of money, then im informed my case is closed and I lose? how is this a thing. NOBODY from u.s bank contacted me asking me more of the story, nobody allowed me anywhere to fax/email my police report, A screenshot of the phishing email, or anything else to help me with my dispute I have a gut feeling they simply just denied it for the sake of it. I have not had contact with any of the bankers from this bank for anything with my vase and when the guy stated on the phone my case is closed I asked him to please re-open it and give me a designated FAX # Or email address to fwd the email in which I was phished in and also to submit my police report. The gentlemen on the phone responded to those questions I asked stating the following " sorry sir we don't have anywhere you can send these documents to ''. How is this possible? my money was stolen and they aren't even putting a effort forth to help me. Not really sure what else to do no lawyer wants to handle this and U.S bank is refusing any documentation and re looking into this! Thanks claim # XXXX U.S. Bank fraud department # - XXXX attached is the email in which my info was stolen as I researched online I came to found this was the email that stole my info from scammers pretending to be the bank
Complaint sub-issue: Need information about your loan balance or loan terms

I submitted my employer certification form for the limited XXXX XXXX XXXX XXXX waiver in XX/XX/XXXX, to FedLoan Servicing. I received verification from FedLoan in XX/XX/XXXX ( attached ) saying they still needed more time to verify whether I was eligible. I have heard nothing since then. The XXXX letter does not even say how much longer they will need or why they need more time. It has been SEVEN MONTHS now from when I submitted my application and I have yet to receive any substantive communication about whether I qualify, how many qualifying payments I have made, or how close I might be to actual forgiveness. With FedLoan now exiting the servicing business, I am not sure if I will ever get a reply before the PSLF waiver expires in XXXX, or if I will be able to rectify any errors on their part if they don't get back to me soon. 

Have they lost my paperwork? Are they ever going to respond? Calling them does not help and there is no where else to turn. It is very upsetting that there is no way to hold servicers accountable for administering vital, and time-sensitive, government programs like the limited PSLF waiver XXXX and this might mean that I miss out on loan forgiveness that I have worked for and earned, due to servicer error and ineptitude - AGAIN.
Complaint sub-issue: Trouble with how payments are being handled

I have requested a refund of payments made to my student loan during the Covid-19 forbearance period. I am due a refund of {$2600.00}. I have contacted my student loan servicer, Mohela, several times and have received no acknowledgement nor reply. 

Contact attempts : XXXX XX/XX/XXXX via Secure Message XXXX XX/XX/XXXX via Secure Message XXXX XX/XX/XXXX via Secure Message XXXX XX/XX/XXXX via USPS XXXX XX/XX/XXXX via fax XXXX XX/XX/XXXX via USPS I have received no reply to any of these contact attempts. I have received no indication that a refund is being processed. I have reviewed Mohela 's website to ensure that I am following proper procedure to request a refund. Their website simply states to " contact us '' to request a refund. 

Specifically, the site says, " If you made a payment on/after XX/XX/XXXX, and would like this refunded, please contact us. '' ( https : XXXX )
Complaint sub-issue: Reporting company used your report improperly

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY ID XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are fraudulent accounts still reporting to my credit report. Some have been removed already but the following accounts reporting are fraud. 

Accounts XXXX XXXX  Opened XX/XX/XXXX Amount {$16000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount {$22000.00}. 

These been reported multiple times and proof of fraud have been submitted I've reached out to both banks via email and they both replied and emailed my agreeing those account do not belong to me
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020 inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX .. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX  inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Complaint sub-issue: Not given enough info to verify debt

I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Reporting company used your report improperly

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete these items as soon as possible.
Complaint sub-issue: Debt was result of identity theft

Afini credit collection company fasley reported and fraudulent account on my credit reports and when i reached out to the company they provided me with false information and I repeatedly told the Representative that this debt wasn't mine, XXXX ID number is XXXX he informed that this was my debt.. I asked XXXX were there any mail sent to me inreference to this debt and he informed me no so how do you place something on someone's credit without giving them the opportunity to defend the debt or their case and he stated they didn't have to notify me and than I asked to be transferred to a manager and he sent me to a coworker voicemail so I hung up and tried calling him back but of course I got another representative.
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Trouble with how payments are being handled

I have been in public education for over 11 years and have had the correct consolidation process and correct payment plan all along to count toward PSLF. However, every year my serviced did not calculate my payments correctly, and during the process of correctly calculating the astronomical payments, they placed me on excessively long administrative forbearances. These not only further delayed my eligibility for loan forgiveness, but also accrued an astronomical amount of interest that capitalized to the principal balance. I have repeatedly asked for the process of filing complaints, whom I can speak with to resolve this issue, and how to generate a bill for those payment periods. I still have yet to receive a response. Anytime I call, I am old hold for hours and eventually request the callback. Never can get anyone on the phone. I sent the XXXX message to FedLoans and they said someone would reach out to me, but I have not received a response.
Complaint sub-issue: Other problem

DISCOVER closed my account, personal credit card, after 10 years of use with no serious delinquency and no explanation ; I made payments on time except for a couple of times years ago.There was no suspicious activity or complaints from my end. 
They said they were going through a 'verification process ' and wanted all my personal banking info with statements for the last 3 months and tax info, mind you this is with me making all my payments ON TIME AND NOT ASKING FOR ANY KIND OF CREDIT INCREASE OR LOAN OR MORTGAGE. There was no suspicious activity or complaints from my end. I gave them my tax info and verification of bank with my home residence.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMP Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX