Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/29, I sent letters regarding inaccurate and false on my credit report. To this day, I wasn't notified of any investigation taking place. It's been more than 30 days since my first letter. I feel like I'm being ignored of my disputes. This are deceptive practices by those agencies.
Complaint sub-issue: Was not notified of investigation status or results

I sent all three credit bureaus a certified letter, requesting this closed account from XXXX XXXX  from XX/XX/14. To be deleted from my credit report. It has been well over 90 days and I have yet to get any correspondence from them at all. This violates the FCRA law that States the bureaus have a responsibility to respond to the consumer within a timely manner.
Complaint sub-issue: Received bad information about my loan

My student loan is being reported on my credit report from multiple servicers due to being sold from one financial institution to another and it is showing on my report as if though I have many outstanding student loans loans ... I am disputing as Duplicate reporting of trade lines
Complaint sub-issue: Personal information incorrect

Hello I recently received a copy of my credit report after calling numerous times and see that you are reporting inaccurate information on the personal information section of my credit report. The Fair Credit Reporting Act states that you must report with " Maximum Possible Accuracy ''. To diminish any speculation my information is as follows : Legal name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove any other references to my name and address as they are not mine and I have never used them. Also please send copy of my credit report after these changes have been made. 

Best Regards, XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

XX/XX/2015 I started a online dispute with Equifax , since then creditors have not been able to pull my credit file due to a Security freeze. I have spoke with the security freeze department at Equifax several times and they have assured me there is no freeze on my file. At the end of these calls they suggest purchasing their credit monitoring to help resolve problems like these. Most recently both XXXX and XXXX XXXX were unable to access my credit file due to this freeze. I feel as though Equifax is not going to resolve this unless I sign up for their monitoring service.
Complaint sub-issue: Problem with customer service

I had a student loan with XXXX for 10 years, on a standard repayment plan, and according to XXXX, I was eligible for the loan forgiveness program. I applied, submitted the application and the employer certification ( I am a caseworker/social worker for the county 's child welfare services ). XXXX accepted the application and then turned it over to FedLoans for further processing. However, FedLoan denied the request because I did not have enough qualifying payments with FedLoan ( although I  did with XXXX ). Also, I was told because I had a " standard '' repayment program, I did not qualify anyway, as I needed to have a different plan, such as income-based. I don't think it is fair that I am being penalized for submitting an application with XXXX ( and having the 120 eligible on time payments ), and being transferred to FedLoan AND for paying back my loan, on time every month, including through COVID and not having a " income based '' loan. I am a person who has diligently paid back my loan since XX/XX/2009, have worked for social services/public service in county government, and should be eligible for the Public Service Loan Forgiveness program, no matter what payment plan I chose back in XX/XX/2009!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX your bank XXXX is reporting to Equifax validated on fraudulent account, but the account was sold to XXXX XXXX, who state remove account from credit reporton CFPB response XXXX has stated to CFPB that Equifax contacts them over 20 times and they verify account that they have no right to.? I want facts that if you state sold to XXXX XXXX why XXXX keeps reporting it to equifax <Equifax and XXXX XXXX this is for you You validate that account is mine even theo it is not owned by XXXX SHOW EVIDENCE THAT THEY HAVE A RIGHT TO REPORT ON AN ACCOUNT THAT XXXX DOES NOT OWN AND YOU EQUIFAX KEEP REPORTING THIS IS FRAUD REMOVE ACCOUNT OR SHOW YOU OWN IT
Complaint sub-issue: Can't decrease my monthly payments

I attended XXXX XXXX University to further my education after High School. I was a first time generation college student in my family and I was unable to afford my college education without student loans. I looked into Sallie Mae and they assured me they would work with me once I was graduated. Instead of explaining that it is better to take our yearly loans, they told me semester loans would be the best. After XXXX college, I had XXXX separate loans at Sallie Mae at 9 % interest a piece. I sent in XXXX monthly payments of {$25.00} for XXXX loans to lower my interest rate during college. However, for XXXX years, my mother and I were harrassed by the company for " not paying the payments on time '' even though my mom sent checks every month. My mother works at our bank and has copies of all checks sent to Sallie Mae with the dates written and when they were cashed by Sallie Mae. In XXXX of 2015, XXXX sent back only ONE of my XXXX payments and said I did not have any loans with them. How XXXX check of XXXX, that were mailed in the same envelope, got returned I will never understand. I have been charged a late fee for that, even though our XXXX checks had been cashed. Then, I came to realize that for the XXXX years we were being harrassed. My loan payments were being applied to all the wrong loans after months of promises that it was fixed for good this time. Because of Sallie Mae wrongly applying my loans, I was the one pentalized with a late fee. I have called for help on my payments and they are not helping me at all. They said my XXXX payments could equal up to {$1300.00} a month and I am currently earning {$1100.00} a month. Sallie Mae harrassed my mother and I at our work places, even after those numbers were put on a " NO CALL LIST '' and we almost lost our jobs as a result.
Complaint sub-issue: Other problem

I applied for a COVID waiver for my Shell card issued by Citibank in Mid XX/XX/2020. I was granted the XXXX waiver for a card that has a closed acct. got a late fee on card I wanted the waiver applied. Called CS got the waiver put on correct card XXXX partial late fee removed. XXXX XX/XX/XXXX {$27.00} XXXX waiver period good for XXXX & XXXX payments resume XX/XX/XXXX. I was told that Shell would just suspend minimum {$27.00} for the next 2 billing cycles with no late fee or penalties. ( Interest continued to accrue ) I scheduled {$30.00} for XXXX XXXX thinking it would be back to min payment status. Apparently Shell wanted the 2 months waived for a XX/XX/XXXX payment of {$54.00}. After incurring late fee XXXX XX/XX/2020 ) for not sending the full amount, having my card locked so I couldn't make a payment till I was allowed to make a payment. XXXX {$24.00} XXXX XXXX ) reversed ( XXXX XXXX XXXX My basis of the complaint is- I was granted a hardship waiver so I could buy household essentials such as food during this pandemic & lack of income due to COVID. I wasn't aware I was supposed to save that money so I could meet the XX/XX/XXXX payment of {$54.00}. My financial situation has barely improved yet Shell/Citigroup want to continue my financial stress by imposing a waiver that doesn't help much if one can't use the temporary relief. I don't know for sure but I wouldn't be surprised if many other financial institutions have the same procedure. Customers should have to only pick up were the payments left off at the minimum not double at the conclusion of the waiver period.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Fraudulent purchases were made to my Home Depot credit card account. Although the signatures on the sales drafts do not match those of the authorized users, XXXX XXXX contends that I am responsible to pay for the merchandise.
Complaint sub-issue: Information belongs to someone else

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$440.00} XXXX   XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

I am not liable for this debt with XXXX XXXX  XXXX They have yet to provide me with the original application as requested. This is my third attempt to remove as this was not my account nor can the company provide proof. I demand that this " charge-off '' in the amount of {$300.00} be removed immediately. This has been ongoing since 2018.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of XXXX, I requested and received a copy of my consumer file from LexisNexis. In it were several incorrect facts, some of which were corrected, while one, in particular, was not and that is what this complaint is about. 
My LexisNexis file continues to show an automobile insurance policy lapse from XX/XX/XXXX until XX/XX/XXXX which was NOT the case. 
On XX/XX/XXXX, I sent a certified letter to LexisNexis explaining my request to correct that particular mistake and, in addition, I enclosed a letter ( per their instructions ) from my insurance company, XXXX XXXX, showing that I had no policy lapses during the dates shown in my consumer file. 
I have tried calling on their always busy phone lines and the online system they provide is so convoluted that I have given up trying to reach them and am hoping you may be able to help get this straightened out and corrected. 
Every time I have attempted to correct this matter I get a letter stating that it has been amended and yet when viewing my file the same inaccurate fact remains.
Complaint sub-issue: Trouble with how payments are being handled

Back when I joined the XXXX and I heard about this program I switched and reconsolidated my loans back in 2014. I filed out all of the paperwork and continually followed up to make sure everything was processed and all set to which I was informed that I was. Then as I continue to pay after a year and I receive the annual income verification, I find out a year later they never processed my original with my application and my last years worth of payments didnt count. So I fill it out and they finally process it and change my account. Then I continue to pay and check in again to make sure and then they ask for my employment again and they havent counted any of my other payments. I process that paperwork ( meanwhile all these processes and changes take months and you forget about them ... ) and they dont seem to backtrack. Ive gone through so many hoops since 2014 to get this right and after four years with this company they have only counted TEN of my 120 payments. There were months where I was overpaying and no one notified me. I was on the phone with a lady and she said I had 40 qualified payments yet my account only shows 10. They are horrible and dont know what they are doing and cant process or manage accounts. There were months I would pay and the balance wouldnt even go down at all. XXXX is the worst.
Complaint sub-issue: Old information reappears or never goes away

For the past 2 years I have been settling accounts and fixing accounts. Every time I apply for a loan my score shows about 100 point difference from what fico says, I keep disputing things that are settled and the day I apply all my old stuff gets re-recorded as new delinquent. Then my credit gets ran 20 times. I believe an inside influence is being used to cause me to have adverse marks and to prevent me to have credit of reasonable standard. I watch my credit super close I keep getting told my score does not match my file. I need an investigation to determine whom is altering my credit. This is all 3 major credit bureaus and none of them match.
Complaint sub-issue: Account status incorrect

In XXXX, XXXX XXXX XXXX, XXXX incorrectly reported to Credit Reporting Agencies that our two mortgage accounts had missed payments and late payments. Our credit scores dumped about 60 - 70 points ( for myself and my husband ). The same thing happened in XXXX, XXXX, but they fixed it. They blamed it on their software. I contacted the XXXX Department of the Consumer Ombudsman, and XXXX XXXX said she would fix it, as she did the previous time. Then she pushed the issue of onto XXXX XXXX. He claims that XXXX and Equifax have not bothered to fix it despite XXXX sending updated information, and calling them. However, in XXXX, XXXX sent me a copy of an AUD Correction Indicator Form dated XX/XX/XXXX, that contained multiple zeros on the second loan listed ( our home ). 

This issue has been ongoing for 3 months and they have still not fixed the problem. They keep blaming it on XXXX and Equifax. However, the mistake was theirs to begin with. Therefore, I feel that it is their responsibility to fix it. On Friday, XX/XX/XXXX, I missed a call from XXXX XXXX. I called back an hour later. No answer. Left a message. On Monday, I called Mr. XXXX again but there was no message on the voicemail. I called Ms. XXXX, Team Lead, and told her I did not want Mr. XXXX to be our contact any longer because he did not fix the problem. I want Ms. XXXX to be our contact, as was the case previously. I then called XXXX XXXX, Supervisor in the Ombudsman 's office and left him a message saying that this issue is dragging on for way too long and that we want XXXX XXXX to be our contact, as before, not XXXX XXXX. I did not receive any phone call back despite leaving 3 messages today. ( I could not leave a message for Mr. XXXX due to the issue with his Voice Mail. ) XXXX is notorious for their poor customer service and have had many lawsuits filed against them, along with many limitations placed on them by government agencies due to their fraudulent and misleading business practices. I just want them to fix our credit scores!
Complaint sub-issue: Information belongs to someone else

erroneous and inconsistent information and payment history reporting across credit bureaus damaging my credit report. Multiple disputes and attempts to remove erroneous accounts and information have been made in the past year with no removal of unlawful Car accounts that were settled to delete. Lawsuits are the only next step.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, inquiry 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 intrusions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have never been late on any payments reporting to my consumer report showing inaccurate information.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid off the remaining balance on four Federal Stafford student loan accounts XX/XX/XXXX ( due the XXXX of every month ) during the covid pandemic. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX because XXXX reported my 4 student loan tradelines as 60 days Past Due Date/Maximum Delinquency of 60 days as of XX/XX/XXXX, however, the negative information in the summary details contradicts the information provided by the XXXX Tradeline Payment History chart where all sections or months are recorded as OK or CURRENT. My loan was under a federal IDR plan, and if I were late, I was eligible for relief under the COVID 19 Rescue Plan. 
XXXX XXXX XXXXXXXX I also possess the loan payment details from the loan servicer 's online site indicating I was 0 days delinquent on all 4 of my student loan accounts. Currently, I am unable to secure credit, a lower interest rate, additional lines of credit, a mortgage, or an auto loan. On XX/XX/XXXX, I was denied a loan from XXXX XXXX with whom I previously had a line of credit that I paid off in XXXX of XXXX. The negative information according to XXXX will not be removed or dropped from my credit file until XXXX.
Complaint sub-issue: Information belongs to someone else

I have hard inquiries showing on my credit report that doesnt belongs to me. I did not give these creditors permission to pull my credit report and Im sure that these inquiries are a result of fraudulent activity or inaccurate reporting by the creditor burea. I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

" QWR Notice of Error '' Multiple 524 Injunctions have been executed on my loan by Seterus starting at assignment into XX/XX/XXXX though XX/XX/XXXX.  Seterus took a position that they were granted a conditional relief of stay given by the courts and placed a Forced Placed Insurance Policy on the property while the stay was in affect. This statement is not accurate because the stay had a condition that if the debtor did not execute a payment to correct a deficiency in the loan the stay would go into effect. The payment was paid by the debtor so the stay was not issued per the courts the court added that if in the future Seterus would have to send the debtor notice of intent and Seterus has never done so. Seterus at that time issued a Forced placed insurance policy on the property while the debtors insurance was on file with the court this encumbrance was a direct violation of the debtors plan and the federal stay 524 Injunction. I am requesting all periodic monthly notices, payoff and monthly billing statements. Seterus was party to a reaffirmation agreement that reduced the debt for this loan as part of a chapter XXXX bankruptcy proceedings in XX/XX/XXXX. Ever since the signing of that agreement Seterus has asked for discharged debt on the monthly statements. Seterus has included the discharged crammed down debt as interest still owed on the loan also Seterus has added the discharged debt to payoff statement s that I have  requested on the loan since XX/XX/XXXX. When the loan was sold or transferred to the new investor XXXX and loan servicing company XXXX the were given the wrong amount owed and a insurance policy that now has been canceled because of the negligence of Seterus.
Complaint sub-issue: Banking errors

Citibank entered my Social Security number incorrectly when processing my application for a checking and savings account and their representatives had me send a W-9 form to correct the problem, first by fax, then by mail, and finally by email. They are now refusing to correct their records and are still listing my social security number on my checking and savings accounts with two digits reversed, instead of my correct social security number. I have called on numerous occasions over about two months and keep getting the runaround. One rep even disclosed to me the social security number and name of the person whos number was listed in error on my account. They now refused to honor a bonus offer on my account due to the fact that the number in error was tied to a person who already had a Citibank account. 

Many reps said they could fix this but it never gets done. This is a serious breach of security caused by Citibank. They had my correct SS number when they checked my Chexsystems credit report because the inquiry showed up on my report so I know they initially had the correct number. It is unconceivable that Citibank could let this happen.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Complaint sub-issue: Debt is not mine

Enhanced Recovery Company is once again reporting on my credit profile for a debt that I do not believe to be my debt. If this debt were mine once again I need to be served with a dunning notice before a debt appears on my credit profile. I have not received a dunning notice nor have I received any verifiable proof of this debt linking this debt to me. It seems as if this company simply creates their own rules and do not follow federal or state guidelines. By law I can not have accounts on my credit profile that do not belong to me nor should I have debts on my credit profile that can not be verified. If this continues to happen I will be forced to take this process a step further in regards to the law and seek legal counsel about this company ruining my credit.