Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

This complaint is being made on XX/XX/XXXX. I have a graduated repayment plan with the US Department of Education. I have a statement date of XXXX XXXX, 2017. They advised that my monthly payment per my graduated plan is {$540.00}. I spoke with a representative at Nelnet and they told me about a new program called REPAYE that could make my student loan payments less. I asked how much the loan payment plan would be under REPAYE. The Nelnet representative told me that the payment would be less and that I could send in my taxes and then they would advise on the lower payment amount. I made my monthly payment in advance of XXXX XXXX, 2017 for the sum of {$540.00}. I got a letter in yesterdays mail advising that the payment amount would be significantly more. This was the first information I was ever advised on the amount I would pay under the REPAYE plan. I called Nelnet to say that I want to stay in my current plan. Nelnet said that I could not because they re-did the terms of the loan and would not let me in the graduated plan at {$540.00} per month. They said that I could only be in a graduated plan for {$550.00} per month. I was never advised that I would be taken out of the graduated plan. I was just told that they would be able to tell me the monthly payment amount under the other plan if I submitted an application. I did not say that I wanted to change into any new plan. I offered to pay any interest to prevent any capitalization so that I could keep the payments at the rate of {$540.00} per month. I was put into a plan at the {$550.00} per month. They refused to put me in at {$540.00} per month. I was improperly advised by technicians at Nelnet. They never told me that the loan terms would change or that there would be any capitalization. They never told me that my even filing an application that my amount would change at all from my plan of {$540.00} per month.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX : {$5100.00} XXXX XXXX XXXX Balance : {$470.00}
Complaint sub-issue: Their investigation did not fix an error on your report

My Name Address XX/XX/XXXX Equifax Information Solutions LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX   {$270.00} XXXX XXXX  {$110.00} XXXX XXXX  {$220.00} XXXX XXXX {$210.00} XXXX XXXX {$250.00} XXXX XXXX  {$230.00} XX/XX/XXXX I received a email dispute confirmation all six Disputes. XX/XX/XXXX I sent the {$0.00} balance receipts for each account that were emailed directly from original provider XXXX XXXX XXXX  XXXX. Debt XXXX XXXX and XXXX XXXX requested the validation information from XXXX and to this day have yet to t receive any response. Its now been more than 90 days since the request for debt validation. 
XX/XX/XXXX I received the letter from Equifax stating the debt was verified. I've spoke to a representative from XXXX and XXXX XXXX to inquire how the debt was validated. I was told they were still waiting for a response from XXXX. This was almost sixty days from when they received request for validation. 
I request that you describe the procedure adopted buto verify this claim, along with the names of the businesses, addresses, and phone numbers of those who have been contacted during this process. This is my right under the Fair Credit Reporting Act. It is disappointing to find a credit bureau not following the proper procedures and does not maintaining the accuracy norms. I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days. 

XX/XX/XXXX Dispute ( XXXX XXXX and XXXX XXXX ) Confirmed ( ie letter ) XX/XX/XXXX Dispute documents ( Six Paid Receipts ) received Confirmation ( ie letter XX/XX/XXXX Confirmation XXXX XXXX  Dispute Status Validation Confirmed XX/XX/XXXX Confirmation XXXX  XXXX XXXX and XXXX XXXX disputed accounts remain on credit file. 

Sincerely, My Name XXXX  www.CONSUMERFINANCE.GOV
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I dont remember inquiries for XXXX on XX/XX/2018
Complaint sub-issue: Investigation took more than 30 days

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX has told me they are going to leave this bogus data they reported to the credit bureaus and hung up the phone thus damaging my credit, further, XXXX XXXX  is breaking the law by reporting false and malicious data on my credit report and have told me they work for the government and I have to pay this bogus collection or go to jail. I Would like an investigation so XXXX XXXX can be charged for false, malicious, and continue to, on going false reporting of the collection entry by save green storage on my credit report. Please open a criminal investigation and you will see the evidence on the attached documents. I will continue to dispute and ultimately see are going to sue XXXX XXXX a known company for deceptive practices and the evidence is amounting.
Complaint sub-issue: Reporting company used your report improperly

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I purchased a timeshare at the XXXX in XXXX XXXX on XX/XX/XXXX, under the impression that the timeshare would not appear on my credit. I asked the agent XXXX would it appear on my credit, because if so I can not get the timeshare. I explained to her that I was going to be buying a house in XXXX for my son 's, my mom and I. She told me that it would not be on my credit and that XXXX XXXX owns the property and that they would not run my credit. I am a single mom and all I ever wanted to do is be able to purchase my first home for my family and I. I thought XXXX was looking into why this happened but unfortunately she did not. I continue to get calls from people who try to get me to upgrade and say they are with XXXX. I always tell them no and explain to them that I have been misled into buying a timeshare and I need to talk to someone so I can get out the timeshare and give it back to XXXX. I enjoyed the stay at XXXX and was very happy to buy the timeshare but had I known it was going to be put on my credit I would have waited until after I purchased my home then gotten the timeshare. Everyone I talk to at XXXX said I had 10 days after purchase to cancel the timeshare, but the timeshare did not appear on my credit until after the ten days had pass. I have worked so hard to build my credit and position myself to be able to buy a home. 

The day I went to meet with XXXX, I asked her how long the meeting would take and she said not long. I was at the meeting for more than 5 hours. When I got to the meet I was intoxicated and needed rest and water. She was nice enough to make sure someone brought me water while I was at the meeting. She also told me she would help me rent my room out to make money, which she never did. I have been lied to and tricked into this time share. I sent all the text messages to XXXX XXXX XXXX member XXXX XXXX and all she did was give me the run arounds like the rest of the people working for XXXX. She asked me to send her the text messages between XXXX and I, I sent them to her. XXXX told me that she could not tell that the messages was from XXXX, although XXXX phone number was on top of every text message, then XXXX said my contract with them is still valid. So in other words XXXX did not do nothing wrong under their company procedure. 

I have continued to make my payments to XXXX because I really like XXXX and did not want to ruin my credit with a foreclosure and ruin my opportunity to purchase a home. I have ask XXXX to take the timeshare back, refund my money and remove it from my credit and they refuse to. Everyday I find myself going into a XXXX, because how could this company be on my credit as a mortgage and I can only get the room every odd year. Had I not been XXXX  I would had never commented to this.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hello, This company has to be stopped. Their collections tactics are inhuman and the way they speak to consumers should be a crime.I 've been harassed for trying to solve the issue in a decent/respectful way. This company has been reported an account from the year 2020 with an inaccurate balance. The amount reported is incorrect and they have been increasing the reported amount monthly, which is highly illegal for a closed account. I have had several conversations with their representatives. I've been cursed out, told I was a XXXX XXXX XXXX and that they will ruin my credit and make it impossible for me to ever rent again in the United States. They have contacted my mother and threatened a warrant on my arrest if she didn't have me to call them immediately. My mother who is already in poor health suffered a XXXX XXXX XXXX after their threatening and degrading phone calls. Can someone please help me solve this debt with this company. The reported amounts are inaccurate and they have blatantly stated they are out to ruin my credit/reputation. This debt is also a joint debt which I've tried to explain countless amounts of times to no avail.
Complaint sub-issue: Account information incorrect

1. collection agency XXXX XXXX reported on credit report Equifax with balance {$40.00} open balanceopened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate. 

2. collection agency XXXX XXXX reported on credit report Equifax with balance {$58.00} open balanced opened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate. 

3. collection agency XXXX XXXX reported on credit report Equifax with balance {$120.00} open balance opened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX, I electronicially demanded that XXXX, XXXX XXXX and Equifax immediately remove negative information which is now affecting my rental home. I may lose my home due to the illegal reporting from XXXX. It now well over 30 days and I contacted XXXX, XXXX XXXX and Equifax to remove the negative information reported by XXXX Credit Initial Acct. XXXX XXXX XXXX. All XXXX credit bureaus are refusing to remove the negative item related to the XXXX negative information. 

The business with XXXX is illegal in the first place. I was sold a car resale whereby XXXX dealership never serviced to the car, yet handed the car to me. This XXXX car had to be picked up by XXXX dealership after only 2 and 1/2 months. The car was not driving. Then, XXXX after getting paid thru varied insurance policies had nerve to sell the contract to a Debt Collector for pennies on the dollar and then in ill will - put on my credit report a Repossession WITHOUT MY WRITTEN PERMISSION. I was never issued a NOTICE OF FURNISHING NEGATIVE INFORMATION and I never signed a NOTICE OF FURNISHING NEGATIVE INFORMATION I am well aware that as of XXXX - Fair and Accurate Credit Transactions Act of XXXX was put in place to protect consumers like myself to protect against bad good faith business who initiate contracts involving illegal activities such as reselling cars that are never serviced and sold defective. XXXX does not have anything in writing from me reporting ANYTHING negative on my credit report. I have asked XXXX, XXXX, XXXX, Equifax to provide me proof that I signed ANYTHING permitting XXXX to report negative information. In the past 30 days as of XX/XX/XXXX, all 4 companies have not performed in providing anything signed by me stating NOTICE OF FURNISHING NEGATIVE INFORMATION - XXXX is reqiured to me the following statement " WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. '' Their refusal to remove their negative reporting is not affecting my housing right - under Fair Housing Act, Civil Rights Act of XXXX, Civil Rights Act of XXXX. XXXX Credit failed to obtain my written authorization under Fair and Accurate Credit Transactions Act of XXXX - XXXX is required to provide me above statement as prescribed by Section 217. 

I need XXXX, Equifax, XXXX  and XXXX Credit to remove immediately the unlawful rereporting which does not complay with Fair and Accurate Credit Transactions act of XXXX prescribed by Section 217. 30 days have passed - all three credit bureaus want to dsipute AGAIN! This needs to stop. I am losing my rental home due to this illegal marking. They failed to get my permission in writing - as required by Fair and Accurate Credit Transactions Act of XXXX prescribed by Section 217. I can not lose my home due to XXXX Credit, XXXX, Eqifax andXXXX  electing to bully, harrass and descriminating against me by refusing to remove this negative marking,
Complaint sub-issue: Account status incorrect

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Trouble with how payments are being handled

To Whom It May Concern : My loans, which were initially with servicer XXXX, were set for repayment in XX/XX/XXXX. I signed up for an income base repayment option at this time ( I was in XXXX  ). In XX/XX/XXXX I entered into a Public Service Loan forgiveness program and my loans were transferred to XXXX XXXX. This company was suppose to back track my qualifying payments and count them toward my forgiveness ( The XXXX that I was working at was non-profit and qualified ). Unfortunately, this was never done. I called several times and submitted several complaints. They state they have my file and it is in the process of review. They state ; however, that there is no one who reviews these cases. They can not direct me to a manager or reviewer. They acknowledge over the phone that these months should count, but have failed to correct my qualifying payment number. This has been ongoing for 9 months. I would like the months of XX/XX/XXXX-XX/XX/XXXX to count toward my total number of qualifying payments under PSLF. 

Thank you for your time, XXXX XXXX
Complaint sub-issue: Banking errors

Hi, On XX/XX/2021 we opened an Interest Checking account with Citibank and deposit {$53000.00} to the account expecting we would receive {$700.00}. As of today, after the account was opened for more 6 months, we haven't received the promised {$700.00} yet. We called the company 4 times and were on hold for no less than 15 minutes each time but we still have not received a reasonable answer. On our first call, we received the confirmation that the amount would be credited to the account on XX/XX/2021. 
On the 2nd call, XX/XX/2021, the customer service representative promised the issue would be resolved within 5 business days. We received a letter saying the case was under review as the result. 
On the XXXX XXXX, the representative let the call go in silence for a long time, so we had to hang up without the answer. We received a letter informing us that the time frame for the promotion was from XX/XX/2021 to XX/XX/2021 and the account wasn't opened during the period. The fact is the account was opened on XX/XX/2021 and the {$53000.00} deposit was on the account on XX/XX/2021. 
On the XXXX call, XX/XX/2021, the representative XXXX told us that the promotion condition was opening a checking and a saving account at the same time which is not mentioned in the promotion post. 
Best regards,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX Acct # 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I continue to dispute and this is my second complaint regarding XXXX, XXXX and Americollect. Americollect send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. Americollect is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from Americollect. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX has been unable to access my equifax credit report since XX/XX/XXXX. XXXX XXXX XXXX was unable to access my equifax report on XX/XX/XXXX. XXXX  was unable to pull my Equifax credit report on XX/XX/XXXX. Ive reached out to Equifax on numerous occasions to try and resolve the issue. Ive spent at least 6 hours on the phone speaking with multiple agents but no one can seem to get to the bottom. Im told the account is not frozen/ or locked. I think this may go back to when I cancelled my equifax premier plan. I just need help to get this accessed so we can refinance our home.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Im filing a complaint against the company because I noticed a unauthorized charge of {$350.00} made on my account at XXXX on XX/XX/22 I contacted cash app about the unauthorized charge soon as I noticed it back in XXXX. They constantly ignore me and refuse to refund me for the unauthorized charge that was made on my account and Im very upset {$350.00} was stolen from me and the company doesnt even care and refuses to refund me for the unauthorized charge. I would like to sue the company if Im not able to get my refund for the unauthorized charge.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed incorrect items on my credit file several times asking for validation and verification, however the only response i 'm receiving is that it was verified. I responded with a certified letter requesting how was this incorrect information verified and to please send me the documents, the name and phone number of whom it was verified through. I even went to the courts whom stated they had no record of public record for me and that they do n't report to credit bureaus. Equifax is the only company reporting this on my file.
Complaint sub-issue: Their investigation did not fix an error on your report

Request for investigation letters were sent out to the credit bureaus on XX/XX/2022 via certified mail, to verify accuracy, consistency and completeness of an account. 

Letters were received by all the bureaus no later than XX/XX/2022 per certified mail. I have received responses from Equifax and XXXX. I have not received a response from XXXX. 

It has been more than 30 days and as per my latest credit report dated XX/XX/2022, there are still inaccuracies, inconsistencies and incomplete information. 

As per my latest credit report, discrepancies are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Term length -Two year payment history. 

Documents attached included : -Request for investigation letters ( 2 forms of ID included with letters ) -Certified mail stubs -Credit report dated XX/XX/2022 ( Discrepancies highlighted ) -Request letter to update personal information ( 2 forms of ID included with letters )
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

My card was stolen and used for XXXX $ in XX/XX/2020. After I found out I immediately called the bank and reported the fraudulent charges. The bank investigated and denied my claim. They told me they didn't have enough evidence. They told me to send in a letter stating where I was during the times of the transactions basically proving it wasn't me using the card. I did that then they denied me a second time still saying it's not enough evidence. Then they told me to send in a police report. I did that and they still saying it's not enough evidence. I don't know what else they want me to do. I feel they are treating me unfairly and wrongly. I did everything they are asking me to do but it's like they are calling me a liar. That's why I came here to get help and get this resolved. Thank you.
Complaint sub-issue: Frequent or repeated calls

Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well.
Complaint sub-issue: Debt was paid

To whom it may concern - I am being charged illegal and excessive late fees for payments made. 

I have a direct withdrawal arrangement for monthly tuition and expenses related to my children 's attendance at XXXX XXXX XXXX XXXX in XXXX Colorado with the Company XXXX ( XXXX XXXX XXXX ) XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NE XXXX. XXXX  has the ability to withdraw funds from my XXXX XXXX  account when due. This account has been fully funded since XX/XX/XXXX. XXXX  has continued to charge me late fees for the amount of {$120.00}, for amounts due on XX/XX/XXXX and XX/XX/XXXX for a total of {$170.00}. This makes no sense, because they have had access to funds and additionally, {$120.00} in late fees is excessive for a payment of {$170.00} in less than 30 days ...