Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

On or about XX/XX/2019, I filed with StudentLoans.gov my yearly information for Income Base Repayment ( IBR ). All of my servicers of my Federal Stafford and equivalent loans accepted my information distributed to them by this process with the exception of AES. 

A brief history of my issues with AES includes a complaint filed with this Bureau last year which included my supposition that AES is perpetuating a fraud on borrowers by denying IBR so they may capitalize on the interest, make that part of the ongoing balance, and then charge more interest on the increasing balance by capitalizing the interest. This is a very sneaky and complicated process for them to capture more income from the interest. This needs to stop and eventually I was approved for IBR but only after they stated that they could not : '' walk back '' the capitalization due to banking regulations. 

Therefore, I am writing again this year to state that AES has denied my IBR due to being " not eligible '' although not explaining why this is the case. I pause here to state that NONE of my other student loan servicers had issue with my IBR application and approved it with no issues. However, I continue. 

I called AES, stated that the phone call was being recorded for quality assurance and they stated to me that they do not allow calls to be recorded but then stated that if I wanted to record the call that I needed to speak to a supervisor. After speaking to this supervisor, they stated to me the only thing they could do is request a review of the IBR application and file a forbearance application to allow my account not to be charged a late fee. The late fee would be assessed because their processing time for the request would be 10-15 business days which would put me past my due date. I requested the department 's number that could review and change my application status to approved and they refused to give me this information stating " I have done my best to resolve your issue and once you receive the more detailed explanation if you disagree you can call back ''. This is not helpful since that is what I did this time! 

Persuant to the IBR website I meet all criteria and my payment would be significantly lower than the payment AES is stating. I do not need to go into the epidemic that is student loans so I will suffice it to say that 3 out of 4 loan servicers had no issue with my IBR application and approved it. AES is the ONLY one that seems to have issue. They are doing this to capitalize and then charge more interest, simple as that!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Re : Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorizeXXXX XXXX XXXX XXXXF Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorized COSUMERPOR Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Other problem

They took {$200.00} from my bank account as a security deposit. I had to wait until I received the card to cancel it and that took ten days. Once I got the card I canceled it but I was told I wont get the money back for 2 months and then it would take an additional 10 days for a check to be mailed back to me. I am on a tight budget and cant afford it. I did not even use the card.
Complaint sub-issue: Right to dispute notice not received

Hello, In XX/XX/XXXX someone applied, opened, or attempted to open a loan with your company. As a result your company placed a credit inquiry on my reports even though I was not the person who applied, opened, or attempted to open service. 
As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XX/XX/XXXX. As a result my credit report as alerts on them until XX/XX/XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May Concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. Other Accounts : XXXX XXXX XXXX XXXX XXXX  ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Installment Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Complaint sub-issue: Information belongs to someone else

Hi, I am writing my concerns regarding the accounts I found in my credit report. They are not mine and I do not recognize them. My memory does not have these items at all, and I think I am victim of identity theft because its obvious if these accounts are not mine. 

I am talking about these accounts : 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 recently received a copy of my ( Equifax ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX, and I am writing on behalf of myself 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 the charge. 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.
Complaint sub-issue: Public record information inaccurate

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Equifax. The bankruptcy court cant verify this data due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Complaint sub-issue: Account information incorrect

Elan Financial Services is reporting an inaccurate payment history to one or more of my credit reports. On XXXX, Elan is reporting that the account first became 30 days late in XX/XX/XXXX, but XXXX and XXXX  show the last payment was made in XX/XX/XXXX, which would put the account going 30 days late in XX/XX/XXXX. Elan has re-aged the account on my credit report by FOUR FULL MONTHS and is making the late payments inaccurately seem more recent than they actually are. On XXXX, Elan has omitted the month by month payment history from the report. The account is incomplete on that report. 

I am complaining because I first disputed the account with XXXX  and XXXX, but they responded to my disputes on XX/XX/XXXX saying that Elan verified that the inaccurate information was correct. 

After that, I sent a letter directly to Elan regarding the inaccurate credit reporting on XX/XX/XXXX. I provided them with proof of the date of last payment from my XXXX  and XXXX reports. I also sent them a copy of the dispute letter I sent to XXXX  as well as the inaccurate account reporting on XXXX. 

On XX/XX/XXXX, Elan responded to my direct dispute letter by saying they already investigated my dispute when I disputed with XXXX  and that they would not investigate. They also claimed I did not provide any new information, which is a false claim. 

In summation, Elan failed to investigate my dispute when I disputed with the credit bureaus. Elan verified inaccurate information as accurate to XXXX. Elan refused to investigate my dispute when I sent them a letter with proof of the inaccurate information. Elan also has failed to correct the information after all my attempts to get it corrected.

At this point, Elan has violated my rights under the FCRA multiple times. Elan is causing real harm and emotional distress to me by providing this false information to the credit bureaus. I have been charged exorbitant rates on a recent auto loan because Elan is maintaining this inaccurate information on my credit reports and I have been denied  other credit opportunities.
Complaint sub-issue: Account status incorrect

I noticed that XXXX XXXX  was sending me an alert for a late payment to which I immediately signed in on Friday, XX/XX/2022, because I was confused as I have no debt. 

Prior to this event, I had problems with XXXX and their XXXX XXXX storage being billed ( {$10.00} ) to an XXXX by XXXX XXXX. It was a problem around the time of XXXX when my mother died. I didn't know how to pay the bill because I didn't know I wouldn't receive a paper bill. Still I fixed it with them and had them auto pay it. They convinced me to keep the card in the event that I wanted to purchase an XXXX product, I would receive 3 % off, so I agreed, but assuredly told them I don't use the XXXX XXXX and I didn't want it accruing charges when I didn't receive a paper bill. 

I noticed when I signed into XXXX XXXX it was that silly XXXX fiasco for {$10.00} to which I promptly paid it. Fast forward to today : My credit score fell from XXXX to 7 something, a ridiculous penalty for a {$10.00} charge. We all know how hard it is to get your credit report up XXXX points - and now - the only blemish on my report is this " late '' comment to which I wasn't even aware it was late because the XXXX  by XXXX XXXX is all on the XXXX, electronic. I never, ever go into the wallet app on my phone. I don't even need this storage they said I did. And I can not remember to pay this monthly on an app! And I told them this! They need to fix my credit report. They need to stop accruing this {$10.00} charge ; I honestly feel its a scam to ruin people. Heck, I give {$40.00} to hte XXXX man and go in and buy his dogfood and buy him shoes and I am going to ruin my credit for a lousy {$10.00} because of these people! Shame on them. I want this fixed. I had stellar credit that I worked really, really hard for.
Complaint sub-issue: Debt was result of identity theft

This charge for the XXXX $ past due as of XX/XX/2020, was REMOVED for fraud, not once but twice and its effecting my credit score. I am exhausted with dealing with this. This needs to be REMOVED completely. I have contacted the company the same 2 times and they charged it off but WHY does it keep coming back!
Complaint sub-issue: Was not notified of investigation status or results

I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as EQUIFAX AND XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation.The information can not be accurate pursuant to 15 U.S.Code 1681 A E. in Addition, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please, delete it for good, .XXXX  XXXX XXXX XXXX XXXX still reporting ) AS DELINQUENT, " CHARGE OFF '' YET the account is UNAUTHORIZED even be reporting due to the non written consent by the me the consumer and infringement on my 4th Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have not authorized this nor should be reporting on my report, these companies are blatantly and fraudulently harassing and defaming my name and character and overall life.
Complaint sub-issue: Problem getting your free annual credit report

Equifax is absolutely the worst company I have EVER dealt with. Not just credit reporting, but ANY company. You can not access their website, it always says they are having problems and try again later. Days, weeks and months later it is always the same. Then they want you to send in a written request for your annual credit report. I do that and weeks later I get a report to send copies of multiple documents, plus ANOTHER letter telling them what I am requesting, plus the ORIGINAL letter ( which was sent to them, therefore, they have, I do not ). Attached is their refusal to send me my credit report. 

I have tried for over a year now to get my credit freeze unlocked and to get a credit report and they refuse to do either.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The name of my XXXX  is XXXX XXXX XXXX XXXX We are a XXXX  accepting credit cards as a form of payment for merchandise purchased from our store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX We are not the cardholder in this case, but the merchant that was paid by a Discover card holder for a XXXX watch that was purchased on XX/XX/2022. In XXXX 2022, we have received a debit from our checking account concerning a dispute raised on a Discover card transaction that was paid to our business. The amount of the debit was for {$3300.00}. The dispute was without merit as this was a card present transaction using the CHIP at our card terminal and the cardholder took possession of the XXXX at the point of sale. We provided all documentation to Discover, and while Discover closed one dispute in our favor, on the other, they credited the cardholder without merit. Sometime in late XXXX, I think it was on the XXXX, we met the cardholder in our store and actually contacted Discover by phone in front of us to confirm that he transaction was valid and that the dispute should be canceled. After the customer spoke to Discover, the customer handed over the phone to me and the Discover agent confirmed to me that Discover will submit the case for correction and that I should expect a credit to my checking account shortly thereafter. The Discover agent also provided me a case # XXXX. However, it has been over 2 months since that promise of credit and my account has still not been credited for this invalid debit. When I contacted the customer, the customer screams that he informed Discover to return the funds to me and that hes not going to pay twice after he already paid Discover. Please look in to this matter as it appears Discover is holding my money after failing to return my money to me. In any event, this dispute was without merit and Discover has debited our account and credited the cardholder without any valid legal basis.
Complaint sub-issue: Debt is not yours

Recieved a notice about a debt that does not belong to me in the mail, stating that I should respond by XXXX for the amount of {$8200.00} from a XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

FCRA VIOLATIONS : NOT MINE REMOVE IT : XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX  Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX ( I Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX # XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Other problem

This complaint is an offshoot of my previous complaint to the CFPB ( Complain Number : XXXX ). Today, XX/XX/21, I received a letter from CITI, dated XX/XX/21, asking for me to " provide '' to CITI " with copies of complete bank statements from the date of payment cleared through the most recent payment statement, '' in order to resolve the case of FRAUD, THEFT perpetrated by CITI against me. I sent all the documents to CITI back in XX/XX/21 via USPS Certified Mail ( USPS Tracking # : XXXX ) ; when CITI told me it needed the same documents it's asking from me now. And CITI, according to USPS records, received these documents on XX/XX/21. CITI just stonewalled, when I sent it the documents the last time. And it's trying to do the same thing again, when it conducted its sham, fraudulent, biased " investigation. '' My bank, XXXX XXXX XXXX ( XXXX ) already conducted and concluded its thorough, unbiased, forensic, intensive investigation into the CITI case and found in my favor that CITI did engage in FRAUD and THEFT. And XXXX told me that since it found in my favor I don't have to pay CITI anything. CITI knows all this since I sent it my Written Error Billing Notice ( WEBN ) along with my Complaint against Citi to XXXX and XXXX XXXX conclusion from its intensive investigation as I mentioned earlier. I sent CITI my WEBN, dated XX/XX/21, via USPS Certified Mail, Tracking # : XXXX. And according to USPS Tracking records, CITI received my WEBN letter on XX/XX/21. I'm sending this complaint because CITI is just delaying, stonewalling, and sending me busy work for its sham, fraudulent, biased, XXXX, XXXX " investigation. '' I need CFPB 's help in stopping CITI 's corrupt, egregious, unlawful activities against me by sending this case to the proper federal authorities who will enforce U.S. laws, if CFPB is powerless to do anything. CITI is filled with a bunch of crooks and liars!
Complaint sub-issue: Deposits and withdrawals

I have direct express which my XXXX is deposited, The government says they deposited my stimulus but direct express never made those funds available. They have lost money by not transferring it to the next month statement. I have called them several times and have gotten no were they have hung up on me or made me wait on the phone for almost 2 hr only to hang up on me again. 
They are fraudulent-