Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

In the process of attempting to purchase a house my mortgage company attempted to receive my credit score from Equifax. They were unable to obtain it, due to an incorrect reporting of another individual using my social security number. I contacted them and attempted to fix this issue and did as I was instructed : submit a copy of my drivers license and social security card by fax as well as a cover letter stating why i was submitting these documents, and to whom they were being sent to. I submitted these documents Monday XX/XX/11 and was told it would take 3-5 business days. I then contacted them on the 3rd, 4th and 5th business days only to be told they do not have the documents and to resubmit them on those days. I have resubmitted these documents by fax multiple times and have confirmations of receipt by the number I have been given by the representatives. This process is greatly effecting my ability to purchase a house and I have done everything right. So Im just concerned about where my I formation is going and why this company can not fix this problem.
Complaint sub-issue: Public record

I had disputed via the online system with Equifax information in regard to XXXX public records listed on my credit report. They immediately responded to me 5 days later that the information had been verified. I received this information : Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //equifaxconsumers.XXXX XXXX I called XXXX XXXX by phone today at the number Equifax provided at XXXX. I was transferred to the Public Records division. I was told that there is no record of Equifax contacting them about information listed on my file because my file is frozen. My XXXX XXXX file was frozen on XX/XX/2017 and NO information is accessible. I was also mailed a PIN to my home address in the event I wanted to un-freeze, which I have not done! 

They stated NO ONE has the ability to access my record with XXXX XXXX because the file is frozen. I am confused as to whom Equifax spoke with or verified the information with because of the information given to me by XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

You have to fix this account, verify and delete it, its always paid on time XXXX XXXX XXXX, the account was not transferred.. You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account
Complaint sub-issue: Their investigation did not fix an error on your report

YOUR COMPLAINT Over the past 12 months I have contacted Equifax and told them that the information that they have that I have lived at apartment XXXX in XXXX XXXX Nevada is false and that I neve lived in an Apartment in addition the same company that keeps telling Equifax that I lived in this apartment is XXXX  who inadittion says that I last made a payment to them in 2019. Well not only did I never live in an apartment that had an a unit number of XXXX but I never made any payments to XXXX  no do I have a loan with XXXX, In addition XXXX keeps telling Equifax that I own property in XXXX XXXX and that they have a mortgage on it. I do not own any property in XXXX XXXX. 5 times equifax has asked XXXX  to provide proof that I own property in XXXX XXXX and Proof that I ever lived in an apartment that had a unit number of XXXX In addition I asked Equifax 5 times to get proof from XXXX  that I sent them any payments especially proof that the last payment I sent XXXX  was in 2019. Today XXXX  has sent no proof to Equifax, and this was verified by equifax to me that XXXX  has not sent any proof to XXXX  that I ever lived in XXXX XXXX at an apartment listed with a unit number of XXXX, proof of any payments I ever sent to XXXX, proof the last payment XXXX  recived from me was in 2019, Proof of that 2019 payment, and Proof from XXXX  that I own any property in XXXX XXXX. ; 5 time already I requested equifax to get this information from XXXX  and 5 times Equifax says they tried to obtain this information from XXXX  and it was not provided. YET its Equifax who refuses to delete this information from my credit report and has cause my FICO score to be XXXX points lower than XXXX XXXX FICO score. Its is Equifax who is responsible and liable if XXXX has not provided Equifax the proof and Equifax has not sent me the proof from XXXX ( XXXX XXXX XXXX ) then by law, Equifax must remove the XXXX  derogatory harming information from my credit report
Complaint sub-issue: Information belongs to someone else

Equifax has allowed multiple companies to provide them with fraudulent information to report on my credit report. to my understanding is that Equifax is supposed to report accurate and correct information to a consumer 's report and I have been one that has been treated unfairly because they are allowing inaccurate/fraudulent Infomation on my report.

I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Inquiries XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Good morning I'm writing that to you help me with a problem that I have, in XX/XX/XXXX I bought a car from the company XXXX XXXX XXXX and who finances my debt is PNC BANK, the car title was sent by XXXX XXXX XXXX to PNC BANK in XX/XX/XXXX and the PNC BANK returned the title because he had some bad, now the XXXX XXXX XXXX says that he has not received anything from the PNC BANK and the PNC BANK says that he does not have it either the title car, they have been blaming each other and the car title does not appear, leading as consequences not being able to register the car, be paying for a car without a title, take public transportation to go to work and do my personal laps, and also gave them my truck as a trade in and now neither XXXX XXXX XXXX and PNC BANK respond. 

I'm paying the loan opportunely. 

I appreciate helping me with this inconvenience.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CREDIT PLUS There are multiple repeated UNAUTHORIZED Hard inquired in my credit report ran by CREDIT PLUS. These items have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. 

All ( THREE 3 ) CREDIT PLUS hard inquires must immediately be removed from my credit report of all credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

The student loan company XXXX XXXX XXXX has giving me incorrect information about student forgiveness program. In XX/XX/XXXX I was told I would have a grace period and not make payments till XX/XX/XXXX. I missed payments XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX because given the wrong information. I have never missed a payment before that or was I late. I tried to dispute it but they denied it which is unfair. It hurt my credit very much and I would like a second opinion. This was not my fault.
Complaint sub-issue: Was not notified of investigation status or results

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX you cause me.
Complaint sub-issue: Trouble getting a working replacement card

XXXX. I called direct Express to report unauthorized transactions. When I called it took me 22 times to get somebody. Then my call was dropped. I did not get a chance to get a replacement card. XXXX I started calling at XXXX a.m. I called over 46 times and I keep getting high call volume and ends the call. I am XXXX and communicate via email there is no access to any email on this site the website is not XXXX compliant. I have to pay somebody to sit at my house to contact this Bank. I don't have access to my money I have a XXXX day eviction notice. I have no money to pay somebody to sit at my house to call. I have no card number to transfer to a bank account. I've called from different phone numbers. There's no other option for people who are XXXX to contact this company. I have XXXX pages of screenshots showing the calls. My money is not protected there like a regular Bank. I have had disputed transactions before and never received the money. They've never refunded me. At a normal Bank you are covered.
Complaint sub-issue: Public record information inaccurate

I have requested XXXX to remove a medical account from my credit report and they have not.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I spoke with a representative from Equifax earlier today. I was calling to dispute incorrect information in my credit file pertaining to inquiries that was not authorized by me. The representative begin to tell me that those inquiries could not be disputed and to contact the creditors. According to the FCRA Rules, FCRA 623 ( b  ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the information from it files. These are the inquiries that should not be reporting on my credit file.    XXXX   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   XX/XX/XXXX
Complaint sub-issue: Collected or attempted to collect exempt funds

This company put a tax levy on my checking account. Which the bank took {$150.00} legal fee out of my account, which cauesed a overdraft. which cost me another {$29.00}. XXXX XXXX of XXXX XXXX XXXX, works for the state on Indiana. when i called them to try to arrange, some kind of payment plan, They where unwilling to cooperate.They told me i had to pay {$1100.00} up front then 11 payments to pay the rest off. The only money i get, is social security amount {$1500.00} a month. My rent and my prescriptions food car ins total. {$1200.00} that leaves a little over {$300.00}, for the rest of the month. there is no compromise with these people. I tried a couple of years ago but to the same result. there way or no way. oh that money they made the bank take was exempt funds social security.
Complaint sub-issue: You never received your bill or did not know a payment was due

To whom it may concern, I have a Costco Citi Credit Card, card was current and paid in full and in good standing. In XXXX and XXXX of 2019 I missed two payments back to back on my Costco Citi Credit Card. The reason why was my costco membership was automatically charged onto my credit card and I wasn't aware. As soon as I became aware I made a payment in full to bring my account current. These negative remarks are hurting my credit score from all three major credit bureau 's.
Complaint sub-issue: Deposits and withdrawals

on XXXX, XXXX XXXX  I have transferred my phone number from XXXX XXXX XXXX XXXX XXXX XXXX  and then I tried to access my Citi Bank account but I wasn`t able to, So I contacted them on XX/XX/2022 and I asked them to fix the issue and they told me that will take a about some time to reflect the new provider and I asked them to add a new phone number to the account and they did and I reset my ATM debt card number pin with them over the phone over the recording system. and I was able to access my online account, But this Morning which is XX/XX/2022 I couldn`t able to access my online account or use the debt card and I contacted them again for about 5 times and each time they telling me that my account is under review/ blocked at the fraud department and they are not be able to verify my account and each time they hang the phone on me and they aren't able to fix the issue and I still have a balance in this account, So please help me to get the money from my account and close that account because I don`t need to work with Citi bank anymore XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2022 I enrolled in a Home Depot Consumer Credit ( operated by Citibank ) which advertised a savings of {$50.00} off the first Home Depot purchase of {$500.00} - XXXX using the card. The advertisement for the card listed several exclusions, but did not state that the {$50.00} could not be combined with any other offer. 

On XX/XX/2022, after enrolling in the Home Depot Consumer Credit Card, I attempted to make an online purchase on homedepot.com of {$850.00} but was unable to access the advertised {$50.00} savings online. I called Home Depot Consumer Credit on XX/XX/XXXX and spoke with an associate who confirmed I was eligible for the {$50.00} savings, that I should go ahead and make the purchase, and then call back 48-72 hours after making the purchase to request that the {$50.00} savings be applied to my purchase retroactively. Based on this guidance, I proceeded to place the order on homedepot.com. 

On XX/XX/XXXX, I called Home Depot Consumer Credit and to request that the {$50.00} savings be applied to my purchase. At that time, I was advised that I was not eligible for the {$50.00} savings because I had already received a 10 % veterans ' discount on the purchase from Home Depot and the Home Depot Consumer Credit Card {$50.00} savings could not be combined with any other offer.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018, I sent out a validation letter to XXXX XXXX XXXX, and I received a letter back with a summary of a bill, I sent a second letter asking for a signed contract. 
On XX/XX/XXXX, I received a letter asking me to pay, also on XX/XX/XXXX, I received another summary of what they claim I owe with XXXX XXXX XXXX, but still no signed document therefore not verifying nor validating this belongs to me. I have asked multiple time to delete if they can not prove the necessary evidence.
Complaint sub-issue: Other problem getting your report or credit score

I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a XXXX  balance. I have spoke to XXXX  XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.
Complaint sub-issue: Information belongs to someone else

When my identity was first compromised, I reported it and requested for these unknown and unauthorized accounts to be removed and yet the credit reporting agencies still hasn't taken the proper action to do so. So before taking further action on my end I'm demanding that these unauthorized accounts be removed and blocked immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Account {$3700.00} 3 ) XXXX XXXX XXXX {$2000.00} 4 ) XXXX {$410.00} 5 ) US Dept of ED/XXXX {$1700.00} 6 ) US Dept of ED/XXXX  {$3500.00} 7 ) US Dept of ED/XXXX  {$200.00} 8 ) US Dept of EDXXXX {$900.00} 9 ) US Dept of ED/XXXX {$350.00} 10 ) US Dept of EDXXXX {$1700.00} 11 ) US Dept of Education {$490.00} 12 ) US Dept of Education {$1000.00} 13 ) US Dept of Education {$1000.00} 14 ) US Dept of Education {$3700.00} 15 ) US Dept of Education {$290.00} 16 ) US Dept of Education {$1800.00}
Complaint sub-issue: Received bad information about my loan

I have spent 3 years getting XXXX excuse after another as to why my forgiveness has not been granted. I was told paper work had a problem, it takes a while to process, keep asking for deferment, it is forgiven but takes a few weeks to show. Now they have XXXX other social security numbers attached to my name and said I was denied in XXXX which was news to me. If they do n't know who I am why can they talk to me and if my loan was denied why am I getting to defer my payments still. I learned this XXXX XXXX XXXX. I am afraid if I reapply this will start all over and they will drag it on again saying it is a new application
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX, and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Complaint sub-issue: Called after sent written cease of comm

I have phone logs dating back to XXXX of XXXX calling in an excess of 6 times a week, many before before XXXX. The representative for their collections have been told repeatedly not to call but they continue to call. I have sent a letter to their legal representatives XXXX, XXXX and XXXX to cease communication and collection activity until the debt is validated, yet they are still reporting the debt to the credit bureaus as an active collection without any notation of the debt being in dispute.
Complaint sub-issue: Information belongs to someone else

Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to open the envelop because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine! Please delete these items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX   XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$220.00}
Complaint sub-issue: Talked to a third-party about your debt

XX/XX/20. This date was the last time of many times they called my parents who are in there XXXX. They posed as knowing me and wanted information about me. My dad asked them questions they couldnt answer so he hangs up. Very troubling for my parents.
Complaint sub-issue: Account status incorrect

All 3 credit bureaus refuse to remove a student loan ( Acct. # XXXX ) that was paid over 3 years ago which the provider promised to remove from my report upon payment. The U.S. Department of Education, XXXX, and XXXX  says is nowhere to be found. XXXX refuses to allow you past the automated operator. Equifax refuses to take my info or evidence, and XXXX wants me to pay {$30.00} which I am not gon na do. I can no longer dispute this account because it has already been disputed.
Complaint sub-issue: Their investigation did not fix an error on your report

Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act.
Complaint sub-issue: Trouble with how payments are handled

MOHELA continues to find ways to extend loans by using recalculations. Example I pay off a loan, incidentally all my loans get a little extra payment from that months auto debit. They then recalculate my payment amount based on this current paid ahead account status. I end up with a lower overall payment but they ensure they get their 120th payment. Level repayment should mean level repayment. They have the audacity to say that my loans on a ten year plan may require a large payment to satisfy the terms of my loan at the end, I pay nearly 8k extra every year. -typed on iPhone
Complaint sub-issue: Problem with fees

Macy credit services have displayed malicious, unethical practices by penalizing myself as a consumer for making an electronic check payment early for the following month. XX/XX/XXXX payment was made on time XX/XX/XXXX. Another payment was made ahead of time on XX/XX/XXXX to credit to XXXX payment. This payment was made because my banking account had been compromised a payment was sent in advance before it was closed out. Macys XXXX XXXX credited the payment for XXXX and began to charge late fees for XXXX, XXXX and XXXX. If the payment made on XX/XX/XXXX was credited to XXXX as I requested and intended this would be solved. I have reached out to XXXX XXXX in XXXX and was placed on hold for 2 hours. In XXXX I reached out again to explain the situation and was left on hold for over an hour until I finally hung up. This is unacceptable & poor customer service. Additionally Macys has reduced my credit limit likely due to the fraudulent claims of late fees now on my credit report. Awful experience. I intend to close my account if this is not resolved and company ceases consumer predatory practices.