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

I was enrolled as a full-time student earning my XXXX. at the XXXX XXXX XXXX  for 8 years. I borrowed $ XXXX in Federal student loans. I have worked for non-profit safety-net health facilities and medical schools since XX/XX/XXXX. I transferred and consolidated my loans in the XXXX XXXX XXXX XXXX XXXX as soon as I found out about the program, approx XX/XX/XXXX. My lender was AES in PA. In XX/XX/XXXX my debt transferred to XXXX. My payments were often beyond what I could afford, I asked for forbearance or deferment several times over the years. I have been paying between {$170.00} and currently {$650.00} a month for my student loans since XX/XX/XXXX. I now discover that I HAVE ONLY MADE 3 QUALIFYING PAYMENTS toward the 120 payments required for loan forgiveness. This is a bait and switch and a slap in the face. If this program is intended to reward public service, it is a failure. If this is intended to assist those who choose public service, it is a failure. Someone, I don't know who is profiting GREATLY from my payments and in exchange, I am receiving nothing. There is no appeals process and no room for renegotiation. It would be reasonable to examine how much I would have paid under the " correct '' type of consolidation compared to how much I have paid and tell me the difference, if any, in order to pay the required amount to qualify for forgiveness. The Employment certification form OMB no. XXXX exp Date XX/XX/XXXX states that 4 different repayment plans [ REPAYE ; PAYE ; IBR or ICR ] qualify for this program which is also confusing.Becuase I am being told that only IBR qualifies?! As it stands I have probably paid back $ XXXX of the original $ XXXX but I am being given credit for less than $ XXXX in qualifying payments! My balance owed on these loans is about $ XXXX. Their horrendous customer service is motivating me to see how I can pay this off and prevent them from making any more money off of me. This is my second largest bill every month and I am treated like a thief when I call them. I don't know if it makes sense for me to stay with this program or perhaps I should just try to get a lower monthly payment with one of their other payment plans and forget forgiveness, although it appears the others DO qualify, despite what I am being told? I need an advocate to help me understand this and fight for me but I doubt one lawyer would stand a chance. Thank you.
Complaint sub-issue: Information belongs to someone else

There are accounts in my report that are completely unknown to me. They are reporting inaccurate and outdated data that should not be on my report. They are violating my FCRA.
Complaint sub-issue: Information belongs to someone else

Equifax is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Equifax a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Equifax has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.
Complaint sub-issue: Reporting company used your report improperly

in accordance with Fair credit reporting act XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions
Complaint sub-issue: Debt is not yours

This company have a collection on my credit report that is not mine and they refused to remove it and delete it.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX contacted me in XX/XX/2020 about a payday loan on behalf of Spot Loan for {$1300.00}. We agreed to a pay off settlement of {$550.00} to be paid in 3 monthly installments. My first payment of {$180.00} was completed XX/XX/2020, My second payment was scheduled fore XX/XX/2020 but due to a financial hardship I called XXXX XXXX and moved my payment to XX/XX/2020, which XXXX XXXX agreed to. Both payments were successful. However, I was notified my Virginia Unemployment that my extended benefit would end XX/XX/2020. I called XXXX XXXX  to move my last payment of {$180.00} from XX/XX/2020 to XX/XX/2020. XXXX stated since I moved my last payment and this would be a second time to move my payment they would not be able to honor the settlement agreement. She stated that I would have to pay the full balance. I explained that I do not have a job and would not be able to pay. I just wanted to move the payment of {$180.00} to the end of XX/XX/2020. XXXX stated that her manager stated they could not set up any payments for anything else but the full balance. I am not working and not sure when I will be working again. I mentioned that I would not be able to pay anything until maybe tax time but it would not be guarantee. She noted that she would make a note that I would pay it during tax time.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX vears. 

15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Complaint sub-issue: Personal information incorrect

I had identified theft in XXXX, in XXXX I noticed Equifax had changed my DOB to the fraudulent one XX/XX/XXXX. Only Equifax has not corrected this after the identity theft. My DOB is correct with XXXX   and XXXX. Equifax informed me that one of my creditors is reporting my DOB wrong. I have called all of them on my report and none of them have that as my DOB. I filed a complaint with Equifax and certify mailed them my SS, birth certificate and driver license. They have still yet to correct! 
XX/XX/XXXX Received letter from Equifax that they corrected my DOB. 
Noticed in XX/XX/XXXX that Equifax had changed my DOB back to the fraudulent one. 
Filed another claim with Equifax and received confirmation again on XX/XX/XXXX that they corrected the error again, receiving Confirmation # XXXX. As of today, my DOB is still incorrect causing me unable to obtain credit due to the fact they can not verify my identity.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Investigation took more than 30 days

Credit Reporting Agencies and Collection Agencies violated the Law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax said to CFPB that the inquiry was deleted from my consumer disclosure XXXX XXXX  that the inquiry was deleted, but they never deleted anything. They lied to CFPB and the lied to me as well. i look at the credit report on XXXX XXXX XXXX and still there.I have enclosed an attachment of the credit disclosure that still show the inquiry. take a look.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 -XXXX  XXXX XXXX  XXXX- XX/XX/2020 2020
Complaint sub-issue: Trouble with how payments are being handled

FedLoan has incorrectly held my XXXX payment as " ineligible '' towards my Public Sector Loan Forgiveness payments. It alleges my payment was made outside of the 15 day window of when it was due,  however, my payments are always due on the XXXX of the month and my payment was made on the XXXX of XX/XX/2019. Therefore, my payment was made within the 15 day window. I would like this corrected immediately.

I have attached screenshots, the payment history, and the XXXX billing statement to show the due date of the XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

There are 3 tax liens showing on my Equifax Credit Report. This should been deleted due to the enhanced standards now required to show these items. These liens do not have my DOB or correct SS number and therefore should be deleted. I disputed these 3 items via Equifax website on XX/XX/XXXX and Equifax sent me an email notification on XX/XX/XXXX that they have confirmed these items and would they would not be deleted. This is causing me financial harm as I 'm in the process of refinancing my mortgage and the erroneous tax liens are negatively impacting my FICO score which in turn puts me in a higher interest rate program.
Complaint sub-issue: Was not notified of investigation status or results

I was part of the Equifax credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U. S. C 1681 section 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status

I have reported this account with creditor and credit reporting agencies but this account is still showing " Late 30 Day '' XXXX 2014. I have contacted XXXX because I made large payment XXXX and XXXX payment in XXXX which were suppose to cover XXXX. I was even told by representative that they will not report negative information for that month because clearly she could see that I made XXXX payments on XXXX different dates and how I would have thought It was being applied for XXXX also. I have been promised by this company that they will investigate and pull recordings and no return calls. instead I had to call to find out they have record of me calling, but someone all these calls are not recorded. I was treated by most at XXXX XXXX Bank so horrible that I closed my secured credit card.
Complaint sub-issue: Right to dispute notice not received

I C Systems never sent a dispute letter. I check my my daily and I am a very organized consumer. I also check my XXXX account at least once a week. I hve never done business with IC Systems, nor have they followed the law and sent a dispute 30 day notice.. They just appeared on my credit report with out following the FCRA. They have an open date of XX/XX/2016. Have them explain what this date means? I have never done business with this company so I have no idea what happened on XX/XX/2016.
Complaint sub-issue: Their investigation did not fix an error on your report

FILE CONFIRMATION NO : XXXX I sent in and spoke with a representative at Equifax to have an inquiry removed from my report because I did not give anyone permission from that company to inquire on anything about me. I completed the dispute process as suggested by the representative and I received a message from Equifax. The message said they opened the investigation on XX/XX/XXXX and then I received a message that they closed the investigation on XX/XX/XXXX. What kind of investigation happens within this timeframe? I am seeking a response with the description of the procedure of re-investigation. In addition, I want to know how they were able to confirm this information when I am the consumer and they should be talking to me, and no one called me about this. Who did they talk to and who gave them permission to talk to them? 

I know according to the code I have a right to privacy, and they have violated that right also. See the privacy act of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.

And US 1681. Congressional findings and statement of purpose ( a ), ( 2 ) ( 3 ) and ( 4 ) in particular.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

The description of procedure of reinvestigation can be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Billing dispute for services

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Complaint sub-issue: Account status

I filed bankruptcy in XXXX 2015 it was discharged XXXX 2015 there are a few student loan account that shows closed per XXXX still showing open via Equifax due to the recent bankruptcy service thru XXXX. I have contact the company on several occasions was told that they are not able to provide account information due to the recent bankruptcy and that I will need to contact the credit bureau with the issue. I have filed several disputes with Equifax also stating that the information is being reporting accurately. I am requesting that the information for the accounts be reflected the same as XXXX.
Complaint sub-issue: Can't temporarily delay making payments

Sale promises about expectations and promises of jobs and none flexible options to repay loans. Learn was being serviced with XXXX XXXX and they refused to give me any options even when government was giving relief to borrowers.
Complaint sub-issue: Billing problem

Vehicle Loan was a for new vehicle, started loan payments in XXXX, car was involved in accident. The insurance company totaled the vehicle out, a check was made in XXXX XXXX from insurance to bank, bank has since yet to cash check. Check has been sitting in bank since it was issued. Bank gave me no reason as to why check was rejected or not cashed, it is 3 months later now, still no results. The bank is threatening me of reporting to credit agency of delinquency, yet they still have not acted on this manner. I have gap insurance for any shortages but that won't be initiated until the check clears. I am receiving calls and was told that I would continually get calls until matter is rectified.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are unauthorized credit inquiries on my credit profile.
Complaint sub-issue: Problem with customer service

Hello, we recently requested a refund on our loan from Nelnet servicer and was promised the process would take 4-6 weeks. However, it has been past this amount and after contacting around 5 times already, the process continues to be pushed back by their representatives. We applied in late XXXX and each representative continues to state a different statement about the status of our request. After our first email, we havent had an email response from this company since the first.
Complaint sub-issue: Trouble with how payments are being handled

I have a Consolidation Loan that is serviced by AES. The loan has a subsidized portion and an unsubsidized portion. I am ahead on my monthly payments. I usually make monthly payments of {$460.00} in the middle of the month. Prior XX/XX/2022, AES would apply my monthly payment to both the subsidized and unsubsidized portions of the Consolidation Loan. However, starting XX/XX/2022, AES now only applies my monthly payments to the unsubsidized portion. On XX/XX/2022, I called AES because I noticed that the new method of applying my payments is resulting in a much smaller portion of each payment going toward principal and a much larger portion of each payment going toward interest. I spoke with a customer service representative ( XXXX # XXXX ) who acknowledged the issue and agreed to put in a request to have the allocations from XX/XX/2022 reversed and reapplied using the old method. She also told me that, in order to avoid this from happening again, I could email AES with " standing payment instructions '' to apply my payments the way they were applied prior to XX/XX/2022. I followed her suggestion and emailed AES. AES emailed me back saying I needed to " submit detailed instructions ''. ( An email string showing my email to AES and AES 's response is attached. ) I don't know how to make my instructions any more detailed than the ones that were contained in my original email.
Complaint sub-issue: Received bad information about your loan

I received poor information that was not in my best interest that was used to manipulate me into a worse financial situation.  Illegal practices that were not in my best interest Follow the paper trail on Great Lakes End.  They advised be into forbearance instead of an income based loan where the government was picking up the interest.  They gave bad information and with held information that ultimately led to a higher principal which caused the interest portion to go up to the point that the government help was no longer covering the majority of it thus increasing my principal even more as I was told it would accrue on the side and not be tacked on.My documentation is that no common person would choose to add money onto their principal that leads to a higher interest payment when they have the option of an income based repayment where their income is showing XXXX.   I went from XXXX to almost XXXX in debt because of this manipulation.
Complaint sub-issue: Their investigation did not fix an error on your report

I am so disappointed how Equifax, XXXX and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX XXXX, XXXX XXXX XXXX,
Complaint sub-issue: Deposits and withdrawals

On XX/XX/22, I opened a checking account with US Bank and funded the account with an opening deposit of {$25.00} from my XXXX checking account. On XX/XX/22, I noticed two pending debits from my XXXX checking account for {$25.00} each. On XX/XX/22, the two debit transactions posted on my XXXX checking account, but there was only one posted credit of {$25.00} to my US Bank checking account. 

On XX/XX/22, I contacted US Bank to obtain an explanation of where the missing {$25.00} went and why they performed an unauthorized transaction. They did not have any answers for me and recommended I file a claim with XXXX XXXX. I was transferred to multiple departments and nobody could provide an explanation. 

I feel that US Bank has the funds, but did not post it to the correct account. The representative advising me to file a claim with XXXX XXXX  is bad advice and just pure laziness.