Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Having problems with customer service

The servicer is Nelnet for the student loans by me XXXX XXXX loan number XXXX and my daughter XXXX XXXX account number XXXX. They are ruining both of our credit scores by not allowing us to make payment in full. 
I have power of attorney from my daughter to handle the student loan debt and have communicated with Nelnet on behalf of both us via certified mail that we wished to make payment in full under the following conditions : 1- That we receive a certified and true itemized bill showing the original amount loaned and by who? 
2- Confirmation if the loan has been sold or converted to a Student Loan Asset Backed Security ( SLABS ) and who the true current creditor and owner of this debt is. 
3- That once we make payment in full to the verified true creditor, that we will receive our original promissory note with original signature, so we cam destroy it and prevent anyone else from making the same claim in the future. 
All of my certified mail to the CFO of Nelnet repeatedly requesting that he provide me this info so I can make payment in full, have not been answered. I also explained that under Florida law and UCC commercial law, when a person makes a certified statement to make tender payment in full, and such payment in full is rejected by non-response or acquiescence, such debt is considered non verifiable and discharged. Regardless of my several written certified mail attempts to make payment in full, this collection agency and its CFO, have purposely denied me the right to pay the true creditor and continue to harass and financially harm me by destroying my credit score.
Complaint sub-issue: Account information incorrect

Information is not correct and is being reported wrongly.
Complaint sub-issue: Account opened as a result of fraud

Someone opened an account in my name and address with Comerica Bank. I received XXXX statements with a XXXX balance. Knowing I had not tried to open any bank accounts I thought it was a mistake but when I received a second statement still with a XXXX balance, I called Comerica and the rep, XXXX, told me it was opened on XX/XX/22 and closed on XX/XX/22 after they discovered it was a fraud attempt. They suggested I report the fraud incident.
Complaint sub-issue: Keep getting calls about your loan

On XX/XX/XXXX at XXXX XXXX, I contacted XXXX XXXX XXXX. I spoke to XXXX. XXXX identification number is : XXXX. I called to ask why I was getting phone calls about my account going into default. I had an agreement with XXXX on XX/XX/XXXX at XXXX XXXX XXXX ( ID:XXXX ) to pay {$150.00} to bring my account up to date. XXXX stated I had until XX/XX/XXXX to pay the XXXX dollars. I agreed to do so. My bank states XXXX XXXX received and cashed my check on XX/XX/XXXX. When I talked to XXXX she claimed the check hadnt been recieved or applied to my account. I told her about my bank reporting the check being cashed. She again reiterated that they hadnt recieved any money from me, and asked for another {$150.00} to secure a good faith payment and to keep my account from going into default. I reported I did not have another XXXX dollars to give her. I also asked XXXX to stop calling my friends and family and disclosing my debt to unauthorized persons, and to stop calling me after XXXX XXXX  and before XXXX XXXX. I reported that it was illegal to harass me and to call after XXXX XXXX and before XXXX. I also reported it was illegal for her company to disclose my information to friends and family members without my consent. XXXX reported they were within their legal limits to do so. When I reported the Fair Debt Collections Practices Act, XXXX began to back pedal and claimed XXXX XXXX and its employees have not disclosed my information to friends and family. I replied by saying, interesting, and that my friends and family members are reporting otherwise. Contact with XXXX ended after that conversation.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant  provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account information incorrect

This is an account with XXXX XXXX XXXX. The last payment dates and also the closed dates doesnt match across the board for all three credit bureaus. The amount shown that I owe is also incorrect. This account is a part of a class action lawsuit. The attorney General office of SC is a part of the lawsuit. XXXX has agreed to remove the accounts off of the consumers credit report. Not only has the account not been removed it is also reporting inaccurately. I have previously reach out and the account was updated to accurate which is incorrect. According to all three credit bureaus I owe XXXX. According to XXXX I owe XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XXXX of 2020 an unknown person opened a XXXX account and used my credit card information. This individual racked up nearly {$500.00} in charges on this XXXX account across multiple transactions. 

I opened a dispute for each of them believing the ordeal was over because no further correspondence was received. 

If you look at the shipments associated with the fraud they were not sent or received in the state which I reside or any other transactions for my credit card had been used further suggesting fraud but Citi ignored this. XXXX responded to the chargeback stating that per the XXXX terms and conditions I was required to report fraud within 15 days or accept the charges. Citi failed to properly notify me of the response and accepted the explanation that a 3rd party accepting the XXXX Terms on a new account should bind me to the XXXX Terms and Conditions Citi accepted this response and applied multiple charges to my account effectively reversing their conditional credits. I was later told that I didn't receive notice via mail due to being enrolled in Paperless Billing. If I go to the Citi Dispute Center most of the chargebacks don't show up and none of them show the outcome. 

This is deceptive trade practices designed to give merchants the ability to use automatic chargeback responses as a way to get a small percent of charges to stick. Citi in turn unfairly profits from the fraud. 

XX/XX/2020 - XXXX - {$48.00} XX/XX/2020 - XXXX - {$1.00} XX/XX/2020 - XXXX - XXXX XX/XX/2020 - XXXX - {$36.00} XX/XX/2020 - XXXX - {$370.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've been a victim of identity theft ... this has been a rough time during the covid attack. Someone broke into my car and stole all my information
Complaint sub-issue: Debt was result of identity theft

Hello : ERC is reporting on my account that I have a past due account from XXXX and I don't. I want proof of this being my account. I tried contacting them in regards to the account but have not received an answer. Their contact info is ERC XXXX XXXX XXXX XXXX FL Their phone number is ( XXXX ) XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/2016 the department of education wrote a letter to XXXX college of there finding and there accreditation was lost .A as of XX/XX/2016 the school was closed. Loans were placed in my name without my knowledge I was mislead about graduation rates, job placement, student refund checks were never issued. Individuals financial aid office clearly took advantage of me as well of other students here ...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On  XXXX   XXXX ,2017   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX  this company had an inquiry on my credit report that was not authorized by me.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX
Complaint sub-issue: Fraudulent loan

Misleading information retail installment contract should not require any cash exchange and requested all insurances and additional charges and protection plans be includes in the finance charge as I believe that is supposed to be the sum of all charges according to TILA guidelines and requested down payment i XXXX cash exchange with an extension of credit already approved and retail contract requiring down payment advised of 15 USC 1662b amended act of 1995 wich states that cash exchange under retail purchase agreement is not required unless thats normally policy for everyone I highly doubt the cash down payment is unusualy high and requested to correct contract to comply with Truth in lending act guidelines and be transparent and honest according to underwriter thats just the way they do things and they sell lots of cars so I replied so then you guys are committing fraud on a unpresideted scale and informed them of specific regulations that are in my understanding not being adhered to and boy did they get upset when I requested XXXX XXXXXXXX and asked for full disclosure
Complaint sub-issue: Problem with fees

While reviewing my Best Buy statement I noticed a charge for " Fees '' in the amount of {$15.00}. I called Best Buy and was informed that the fee was for " fraud/credit protection ''. I stated to their representative that I never ordered this coverage and did they have any documentation of me ordering such coverage. The rep. said no. I asked how long have you been charging this fee. I was told, " Since 2009 ''. 

I couldn't believe it. I asked for the protection to be cancelled and refunded. Their representative cancelled the service and stated that he would forward a request to the appropriate department. 

I received a letter today from Best Buy Credit Services informing me that " Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I will be sending Best Buy Credit Services a response stating that the fees are refundable because I never ordered Enhanced Debt Protection. 

I appreciate any assistance in recouping my over 11 years of unauthorized charges. 

Thank you ....
Complaint sub-issue: Problem getting report or credit score

I was pre- approved by my lender / XXXX for a texas XXXX land board home loan, and now when we are in our option period of purchasing our first home, our lender said he can not proceed with the load due to not having a credit score. XXXX?!?! I have excellent credit, in the high XXXX 's, and its been like that for a long time ; seems someone has screwed us over so we cant purchase a home. I just want my score back, plain and simple. These idiots always had a score for me, now when I need it I dont have XXXX?!?!?!??? Something is very fishy about this, like someone is watching us and creating this problem. My wife who has only 2 yrs work experience in the usa from the XXXX has a score, yet I have more credit than her and where XXXX is my score?!?!?! This is my first time to complain about a credit reporting agency like this, except when my identity was stolen. I work in XXXX, pay bills on time, even have some auto pays with a credit card and bank acct. From what I did find out, I am in good standing, which is good news, however they are not giving me a score which we need to get a loan. Anyone who can help us out would be appreciated, and put a stop to these XXXX XXXX with people. I did put a fraud alert on my acct., since I dont know whats going on. I also noticed on my report a mistake that I payed {$230.00}, I usually pay upwards of {$1000.00} or more via a phone system with XXXX, and I do keep records of that, however I am not usually reading my credit report. Thanks.
Complaint sub-issue: Debt is not yours

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX XXXX has an account on my credit report for {$160.00}, however, they have never sent me anything in writing to validate this debt or inform me of placing on my credit. Furthermore, they are not in compliance with the State of Tennessee collection agency regulations. They have to be licensed and bonded to collect debt in this state. They are not listed on state documents to collect. They have NO licenses and are not bonded as required! They are not only violating my FCRA rights but also in violation of the state regulations.
Complaint sub-issue: Old information reappears or never goes away

XXXX and Equifax REFUSE TO INVESTIGATE A FRUADULENT ILLEGAL ACCOUNT THAT IS OVER 7 YEARS OLD ON MY CREDIT REPORT, XXXX XXXX XXXX XXXX, A FRUDULENT, ILEGAL COMPANY. I HAVE TRIED TO DISPUTE THIS ITEM, XXXX XXXX WITH EQUIFAX AND XXXX AND THEY REFUSE TO FOLLOW FEDERAL FCRA LAW AND REMOVE XXXX XXXX FROM MY CREDIT REPORTS! THIS ACCOUNT IS ILLEGAL, FRAUDULENT, OVER 7 YEARS OLD.THIS ACCOUNT VIOLATES FCRA, AND THESE COMPANIES REFUSE TO REMOVE IT FROM MY CREDIT REPORT!!! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATEY! EQUIFAX AND XXXX ARE VIOLATING THE AMERICANS WITH DISABILITIES ACT AND FCRA AND FEDERAL LAW! EQUIFAX AND XXXX WILL REMOVE XXXX XXXX, A FRAUDULENT ILLEGAL ACCOUNT THAT DOES NOT BELONG TO ME IMMEDIATELY FROM MY CREDIT REPORT. XXXX REFUSED TO INVESTIGATE THE MATTER WHICH IS ILLEGAL AND UNETHICAL!! I HAVE REPORTED YOUR COMPANIES TO THE CFPB, THE XXXX, AND THE XXXX ATTORNEY GENERALS OFFICE! REMOVE XXXX XXXX, A XXXX XXXX BALANCE ACCOUNT OVER 7 YEARS OLD FROM MY CREDIT REPORT IMMEDIATELY OR I WILL SUE YOUR COMPANIES. STOP DSICRIMINATING AGAINST A XXXX XXXX  AND FOLLOW THE LAW!!
Complaint sub-issue: Account information incorrect

My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. 
Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. 
In reviewing the dates reported 30 days late XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XXXX and XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed. 
I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency.

After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received.
Complaint sub-issue: Account information incorrect

Im writing this letter to file a formal complaint. You are reporting inaccurate and misleading credit information on my credit report. 

Thus, the inaccuracies and misleading information your company is reporting is placing me in distress. I demand that your company use reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Complaint sub-issue: Frequent or repeated calls

I obtained a loan thru Spot Loan for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as XXXX. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following XXXX. However, the agent ( XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am overwhelmed with stress from all these calls demanding payment. No consumer should have to be treated this way. 

Sincerely -
Complaint sub-issue: Account terms

Equifax is stating that XXXX Account XXXX is reporting correctly and it is NOT. This debt was cancelled through IRS Tax year 2015 with Form XXXX. I have included the paperwork many times that proves this yet Equifax continues to ignore the paperwork. Consumer Financial Protection Bureau is suppose to make this right and force Equifax to obey the FCRA and report this correctly. The paperwork is right here and states clear as day that this debt was cancelled. THIS ACCOUNT SHOULD BE REPORTING XXXX BALANCE AND CLOSED. I do n't understand how Equifax can get away with breaking the law and you Consumer Financial Protection Bureau are letting them get away with this. My next attention will be a law suit.
Complaint sub-issue: Personal information incorrect

I was the victim of the Equifax data breach. I never received compensation for their inability to keep my data secure. Because of the data breach Equifax continues to list my name incorrectly despite repeated dispute attempts whereby I provide my driver 's license as proof. I have done this twice. The name that they have listed was NEVER my name and they refuse to replace this name with my correct legal name. This is disabling me financially and costing me thousands of dollars in high interest. Please help!