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

I originally had multiple loans serviced by AES. I have always paid on time and have never been delinquent. In XX/XX/XXXX all but one of my loans serviced by AES were transferred to XXXX. 

My automatic payment was already processing to AES which included the payment to loans now serviced by XXXX. Before they were due in XXXX, I emailed AES on XX/XX/XXXX to request {$720.00} of the {$800.00} payment forwarded to XXXX to cover the loans they are now in charge of. I recieved the following confirmation from AES : " Thank you for contacting American Education Services ( AES ). A request has been submitted to have only {$720.00} of the {$800.00} payment forwarded to XXXX. Please allow up to ten business days for this request to be processed. '' As of XX/XX/XXXX, no payment has been forwarded from AES to XXXX, and we are well past the 10 business day timeline they committed to in XX/XX/XXXX. I have been in contact with Navient multiple times to explain the situation throughout XX/XX/XXXX and they have our conversations documented ( so do I ). I am now trying to pay just my XXXX loans for XX/XX/XXXX but they won't allow me to pay unless I pay both XXXX an XX/XX/XXXX, which is a substantial amount for me. I don't know what to do.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX has violated my rights. 

15U.S.C 1681 Section 602A.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: Information belongs to someone else

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX inaccurate inquiries being reported By XXXX and Equifax, 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 Inaccurate Inquiries being reported by XXXX and Equifax Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX, XXXX-XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX AND I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX AND I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax XXXX and XXXX Credit bureaus are currently still reporting XXXX XXXX - XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax, XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Seized or attempted to seize your property

I am receiving back to back calls from ( XXXX ) XXXX XXXX, XXXX XXXX XXXX.. harassing me.. File XXXX ( ( XXXX XXXX ) ) @ ( XXXX ) XXXX ... that i will be handcuffed at work or where ever i am served and arrested as of TODAY XX/XX/19 as the sheriff department in XXXX XXXX PA.., if looking for me for an outstand Warrant for a debt that is on my credit report with an outstanding balance of which i need to give her my credit card number or bank account number ASAP to STOP the ARREST WARRANT!! Ms. XXXX is rude and very disrespecftul and absolutely scary.. I as Ms. XXXX to send me this in writing so i can see this for myself and she replied YOU KNOW ALREADY ITS ON YOUR CREDIT REPORT.. I XXXX XXXX HAVE NOT A CLUE OF THIS COLLECTION AS THIS IN FACT IS NOT ON MY CREDIT REPORT NOT TO MY KNOWLEDGE AT ALL.. I don't have any thing to do with this and i ask for proof as i will not ever give information over the phone Ms. XXXX then curse and hang up on me .. VERY VERY DISRESPECTFUL.. I then called back once i went into the Bank which themn spoke to a Ms/ XXXX XXXX @ XXXX who wanted NOTHING to do with answering these questions about the on going phone call coming from Ms. XXXX and she also disconnected the call .. 
I wanted to address the fact that Ms. XXXX said was going to have me arrested and the Bank said this if FRAUD and gave me FCC website to report this harassment ASAP!!
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

XXXX and PNC Banks I set up a XXXX account to receive money from an individual buying my piano that was listed on XXXX XXXX. The buyer was " out of town '' and a family member would be picking up the piano. The purchase price was {$1500.00}. This occurred XX/XX/XXXX. I created a XXXX account to complete the financial transaction. The " purchaser '' said they needed to make a {$400.00} payment on top of the {$1500.00} because they received an email from XXXX. I followed the instructions. They tried to get another {$600.00} from me and that is when the alarm went off in my head. I contacted XXXX and PNC bank. I filed a dispute for fraudulent representation. I received a notice XX/XX/XXXX from PNC saying my dispute was resolved as a vaid transfer and my claim was denied. So, I lost {$400.00} to a scammer. I have their email address. Since I sent the money through XXXX, there should be a way to track down the person who lied and scammed me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an inquiry from discoverer finical for a card I never applied for.
Complaint sub-issue: Debt was paid

I have a collection item from my previous apartment that was reported in XX/XX/XXXX. When the collection agency contacted me in XXXX of XXXX, I told them I would pay on XX/XX/XXXX. I sent a check at that time and the funds were removed from my account. 

I noticed that in XXXX of XXXX my credit report still reflected an owed balance. When I called the collection agency they told me that I needed to contact the office that I owed money and then fax them information. 

During the call, however, the representative was extremely rude, talking over me, and using legal jargon such as " on a recorded line, you are saying you are refusing to send proof of payment ''. And that if I refuse, she will be forced to terminate the call. She did not allow me to speak. 

I contacted the office I owe money to, and they called the credit agency and notated the account that we did pay in full. And that they would be mailing the check. This is on XX/XX/XXXX, nearly two months after I paid. 

My complaint is about the collection agency 's unwillingness and berating behavior and refusal to actually collect a debt that I have paid to the original debtor. And the inhuman way of berating me on a phone call by talking over me and not listening to what the situation is. 

The original debtor also never made any action on our check. They did not proactively call the collection agency or deposit the check. They placed it in a safe with a note " do not deposit '' for nearly two months.
Complaint sub-issue: Account status incorrect

I have inquries on my report dating back as of XX/XX/2016 that is not tied to any open account because I did not authorize them I asked them to be removed, the only 2 inquiries that I have authorized are XXXX XXXX XXXX and XXXX, the rest I did not give authorization.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX and Equifax caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

on XX/XX/2020, I deposited a check into my checking account, due to a miscoding error made by my bank none of the checks in my checking account cleared and were returned for insufficient funds {$41.00}. That was not the case, I had more than enough money to pay my bills. I have been a Macy 's credit card holder in good standing for 42 years with no problems with an excellent credit history. 
Due to the returned check XXXX XXXX is being beyond unreasonable and has put a hold on my credit card and no orders will process. This is unbelievable and unfair business processes.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX 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: Investigation took more than 30 days

I feel that this accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. Please investigate these items and delete within 30 days. I am very stressed about this and it effects me daily. PLEASE HELP ME AND DELETE THE FOLLOWING ACCOUNT FROM MY REPORT US DOE/ XXXX - ACCOUNT # XXXX
Complaint sub-issue: Problem accessing account

I would like to link my pnc account with XXXX
Complaint sub-issue: Account information incorrect

This is a violation of the FCRA Section 623. Each Bureau is reporting different date opened, and high credit, and date last active, and date of last payment this is a violation. This account has many errors/inaccuracies does not meet FCRA. Each bureau is reporting different date last active terms and a collection account should not report a late payment this is a violation of FCRA
Complaint sub-issue: Their investigation did not fix an error on your report

Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake. I have filed a dispute with XXXX  in the past and they have not done a proper investigation into this and still this has been on my account for almost 4 years now and I am XXXX percent sure they are wrong on this one and my track record shows it and you can see i paid all my lenders 100 % on time for the past 14 years.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 2018
Complaint sub-issue: Account status

All XXXX credit bureaus show incorrect reporting of XXXX school loan debt. I resolved the issue with this debt holder. Originally I was not aware of the debt and never paid it. However the holder realized I 'd not been fully informed and also realized under the student loans, I have discretionary forbearance of several months that I had not used, so they simply retroactively conveyed the forbearance and cleared up all past due issues, including any credit reporting claims. I spoke with them again and they ensured they will clear up on their end. I write this complain to ensure this process of clearing any false negative reporting on all XXXX is conclusively reversed and removed regarding all student loan and/or XXXX debt or any debt for that matter, as I 'm current on any and all debts. Regards
Complaint sub-issue: Account status incorrect

I would like to formally write a dispute and complaint against the credit agency Equifax. I have attempted over a span of 6 months to include writing and submitting over 6 disputes in writing and 3 verbally to include a fax of a completed previous CFPB complaint that was finalized with the creditor, XXXX XXXX stating they have requested that all credit reporting agencies stop and remove this account from all bureaus. Equifax refuses to address this situation even with all the documentation forwarded for review. This is the only agency that is still reporting incorrect information and who exhibits the most disrespectful customer service ever. I have been on calls for more than 2 hrs, calls being disconnected as the representative refused to assist and when requesting a supervisor to attempt to address this discrepancy that has been carry on for over 6 months, I am abruptly always disconnected after waiting for at least 45mins on hold. 

There must be something done with being to get assistance in trying to correct information with this agency as it is causing many financial issues. Again this is the ONLY company that fails to correct incorrect information. This creditor has been removed from all agencies except this one. Please assist with get closure and correcting this information. 

Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I opened a credit builder secured loan with XXXX XXXX on XX/XX/XXXX and made my payments on a bi-weekly basis. The full amount of the loan was never provided to be upon the initial agreement with XXXX XXXX but that at the end of the loan I would receive any funds placed into the secured credit builder loan. 

On XX/XX/XXXX, I received an e-mail directly from XXXX XXXX stating that I had 30 days to pay off my credit builder loan with the amount due of {$390.00}. I made my payments in full for the amount of {$390.00} to XXXX XXXX as to end my Business with them. 

I was monitoring all 3 of my credit reporting agencies during this time period where I had paid {$390.00} to satisfy the account with XXXX XXXX and I noticed XXXX XXXX inaccurately reported the account as a charge off when it was never in a charge off status as of the date of the letter that I received. I also satisfied XXXX XXXX 's request to pay the {$390.00} within 30 days and did so online/through XXXX XXXX XXXX XXXX app. 

After completion of this, nothing has been done on XXXX 's side after I filed a dispute with XXXX stating the facts of the inaccuracies. 

This account with XXXX XXXX has been inaccurately reporting as " paid, was a charge off '' when this is not the case per the above statement from email communication I received from XXXX XXXX  on XX/XX/XXXX informing me they will be selling my debt to a third party after 30 days if not satisfied by XX/XX/XXXX. 

As a result this has impacted my credit file for several months when the account was paid in full. I also was able to login to my account as of the date of this communication to verify that XXXX XXXX stated the following, " Your loan has been paid off and escrow funds of {$180.00} has been successfully withdrawn. '' XXXX XXXX provided me with a refund after I paid off my loan. All of this including the amounts XXXX XXXX has reported are inaccurate and I request the removal of this account in its entirety for this reason.
Complaint sub-issue: Account status incorrect

Beginning XX/XX/XXXX until XX/XX/XXXX I acquired approximately 7 different loans from Nelnet student loan service. I was faced some difficult times during years XX/XX/XXXX-XX/XX/XXXX, at this time I was placed in a loan repayment program where I was paying XXXX XXXX a month for 1 year. Once the year was completed all the loans with Nelnet were purchased by XXXX  my current loan servicer and are now reporting current and up to date. I have disputed twice before with all credit bureaus asking for a deletion or even a simple status adjustment from Nelnet. The credit bureaus disputed but results came back saying to contact Nelnet. I reached out to nelnet via phone and they refused to assist me and sent me back to the credit bureaus. I wrote a good will letter and sent it in certified mail to Nelnet asking please to provide a status adjustment to atleast current since they wont delete the information off my report. The information being reported is duplicated because the same exact information is being report accurately by XXXX.

Loans : Opened XX/XX/XXXX {$3500.00} and {$6000.00} Opened XX/XX/XXXXXXXX  Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX. All loans listed above were consolidated by department of education and is now reporting XXXX in total and current.