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

On  XXXX   XXXX ,   XXXX  , I consolidated all my student loans held with various lenders through   XXXX    XXXX   XXXX   XXXX   (   XXXX   ) .  XXXX  of these loans were originated with  Citi Student l oan in the amounts or {$2800.00} and {$4500.00}. On the date of refinancing, the Citi student loans had balances of {$2000.00}.  XXXX  and {$3300.00}.    XXXX  disbursed payments in full to Citi Bank on  XXXX   XXXX ,  2017. I  received copies of the cancelled checks showing that Citi Bank deposited the check for {$2000.00} on  XXXX   XXXX ,    2017 and  the check for {$3300.00} on  XXXX   XXXX ,  2017.    At the beginning of  XXXX , I started receiving letters and e-mails from  Citi Student loan say that  my loan with a balance of {$3300.00} had been transferred to  XXXX   XXXX  for loan servicing. I tried contacting  Citi Student loa n, but that contact no longer worked since Citi ceased servicing of all student loans. I contacted  XXXX  to inform them that both loans were paid in full. I also contacted  XXXX , who confirmed that the payments were indeed made to Citi Bank.   I received copies of the cancelled checks from  XXXX  on  XXXX   XXXX  and promptly e-mailed the cancelled checks to  XXXX  customer service at  XXXX  XXXX  XXXX , as instructed by a  XXXX  supervisor. However, I continue to receive harassing phone calls about a delinquent loan from  XXXX . I received a letter from  Citi Student lo an on  XXXX   XXXX  saying that my loans were paid in full, and I immediately forwarded that letter to  XXXX  on the same day.   Today I received a letter from  XXXX  saying that they checked with  Citi and  the loan balance of {$3300.00} was not paid. I immediately called  XXXX , who initially claimed that they did not receive my e-mail with copies of the cancelled checks showing full payment to Citi.   I spoke for over a half over from  XXXX  central to  XXXX  central with  XXXX  customer representative  XXXX  ID  XXXX   XXXX . After repeated request,  XXXX  team lead  XXXX   ( I D not given ) confirmed receiving both the  XXXX   XXXX  email with the cancelled checks and the  XXXX   XXXX  email with Citis letter confirming payment. Yet,  XXXX  refuses to close my account.
Complaint sub-issue: Account status incorrect

XXXX- Incorrectly reporting as closed by credit grantor. This account was pad in full and closed at my request. I've made multiple written requests for evidence of the account status for which they have not responded. Please update the status to Paid/Closed by consumer or delete the account in its entirety.
Complaint sub-issue: Information belongs to someone else

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off account in the amount of {$13000.00} on the XXXX/XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. My now deceased husband took out this loan and signed this agreement on his own. I did not sign any documents with XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Trouble with how payments are handled

American Education Services of XXXX, PA had been servicing my private student loan until I paid it off in full in XXXX of 2015. This loan was paid off many years ahead of schedule, I never missed a payment, nor was I ever late with a payment throughout the entire history of this loan. I know this as fact since I am in the military and my payments were made through my financial institution before the loan was paid and closed out. I have monthly bank statements to prove all of my payments were made in full and on time. After producing a payoff amount of over {$62000.00} which is over twice the amount of the original loan, I noticed the loan was never reported as paid in full to the XXXX major credit bureaus ; however, a missed payment of 30 days was showing on XXXX credit bureau files, and a 30 - 60 days past due payment was showing on the third file crippling my personal credit rating. Needless to say, the impact this has had on my credit, and my ability to obtain a mortgage has been devastating. To make matters worse, every attempt I have made to contact AES and discuss this issue with them they refuse to acknowledge the error, nor would they correct their mistake after I submitted supporting documentation. With no other alternative, I contacted all three major credit bureaus : XXXX, XXXX, and XXXX. Each bureau contacted American Education Services on my behalf and attempted to resolve this issue, none of the agencies were able to gain any cooperation from AES. Each credit reporting agency told me they were powerless unless American Education Services directed them to make a change to my credit file which AES stubbornly would not do. AES would not speak with me and the credit reporting agencies on a conference call. AES stated it was against their policy to go on the record regarding such matters. ( I have spent my entire life protecting their 's, yet they think nothing of ruining mine and my financial records due to negligence ) XXXX reported the account as late right along, ( which is false ) then after it was paid off they reported it as open and current, then AES came back to them and instructed them to change the status to closed BUT was 60 not 30 days past due! Although this information is completely false and all after the fact XXXX did exactly what AES had instructed them to do. ( probably because AES pays them a fee ) I have not been able to right this wrong through the channels I have followed thus far. The credit agencies XXXX and XXXX also refuse to change the status of this account as paid in full without delinquincies because American Education Services is calling the shots since they are the paying customer regardless of the consumer 's rights under the law. I am hoping the CFPB will work with me to cause AES, and all XXXX major credit reporting agencies XXXX, XXXX and XXXX to enforce the law and protect my rights as a consumer. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/18 I discovered XXXX XXXX collections account had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

I took care of this almost two years ago. It was deleted from all 3 bureaus. This is fraud.
Complaint sub-issue: Card opened as result of identity theft or fraud

there was a conns home plus opened in my name with a total amount owed of {$6000.00} and there was some balanced paid in there records and there saying i owe XXXX and there was a call got them stating they wanted to use the store insurance to get new items that were stolen so they have denied my fraud claim and told me i was a liar. i never have been in a conns or opened an account with them.
Complaint sub-issue: Frequent or repeated calls

The ERS company continues to call my job about debt collection instead of calling my cell phone. They also are using threatening language towards me despite my attempt to pay the debt. I do n't make enough money each month to pay the amount they want. The amount I can pay is not enough for them, so the man calling me is bullying me.
Complaint sub-issue: Application denied

In XXXX of XXXX I submitted an online application for a secured credit card through US bank. Application required checking account and routing numbers in order to complete application. After submitting the application the site informed me that I was not approved for a card at that time and would be sent a letter in 7-10 business days explaining why. Roughly 6 weeks later in XXXX XXXX {$300.00} was withdrawn from my bank account to US Bank for the deposit with no notification of a new secured card account opened. I immediately Contacted US Bank to close the account and issue a full refund of {$300.00}, as I was not aware of any approval on my application. US Bank refused to do either. Was told I had to wait a minimum of 60 days to ensure there was no activity on the account. The account has since been closed due to overdue balance on a card that was never activated and account was never used. I was charged an annual fee along with late fees and interest. That 60 day wait was to charge fees and interest on an account that should NOT have been opened in the first place! They are now requesting an additional payment of {$110.00} in order to issue a refund. They are now negatively reporting to the credit bureaus after stealing not only my {$300.00}. But now want an extra {$110.00}! After multiple calls made to US Bank this has still not been resolved. I just want my {$300.00} back and all negative marks removed!
Complaint sub-issue: Didn't receive enough information to verify debt

I've repeatedly asked L.J. Ross to verify this account with ME, the consumer. It appears on my credit report, therefor, I have the right to know who L.J. Ross is. They have sent me nothing in the mail, they have continued to report the account, and they've even sent written verification to the Credit Bureaus, bit nothing, NOTHING to me! This is INSANE! 


PLEASE HELP ME!
Complaint sub-issue: Information belongs to someone else

On XXXX I mailed a dispute letter disputing inaccurate accounts that have been involved in identity theft that are still showing on my credit report. I never received a response and has been well over 60 days. Therefore, I submitted a complaint on XXXX with all of the documents I mailed on XXXX and EQUIFAX replied saying they needed legible identification to proceed. This is a stall tactic for them to not follow federal law because I submitted legible identification which was my DRIVERS LICENSE, SOCIAL SECURITY CARD, and a utility bill that has my current address. I am submitting the complaint again because they are infringing on my consumer rights!
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Complaint sub-issue: Card opened as result of identity theft or fraud

Bloomingdales credit card has an account on my credit file that doesn't belong to me. it states the card was opened in XXXX during this time I was a victim of Identity theft I have written multiple letters and filed a police report. I believe someone in my family stole my identity they have opened multiple account in my name as well as bank accounts, credit cards and loans. when first learned of this I was sure what I was suppose to do to get my life back. This has been the worst nightmare trying to obtain my identity back. I was unemployed from XXXX to XXXX and never applied for any credit, I wasn't in a position finically to pay anything or even apply for credit knowing I didn't have a steady job.
Complaint sub-issue: Investigation took more than 30 days

SOME CREDIT ACCOUNTS WAS OPEN IN MY NAME WITHOUT ME KNOWING
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has shared my credit report with leasing company which has inaccuracies. When i called them 6 times to get the report fixed or file disputes, they first could not pull out my report when eventually a guy named XXXX did. He refused to share any information with me. 
Also the website is supposed to allow me to register and dispute inaccurancies online but this company refuses to do even that. 
I have wasted at least 3 hours with them but no help
Complaint sub-issue: Problem with personal statement of dispute

on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the USA ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from XXXX, Equifax, XXXX and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and XXXX, Equifax, XXXX has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/XXXX I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX  thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since XXXX never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with XXXX  AGAIN. When you call this company and speak to different people you get different answers to your questions.
Complaint sub-issue: Didn't receive enough information to verify debt

I am submitting this affidavit against Allied Interstate LLC who has chosen to send through mail, a debt collection letter that I received on XXXX. I have no contract with this company. I do not know who this company is. I do not know how this company has received my private information, location information, or any information that pertains to me. This is a clear violation of the FDCPA, and TILA. 
The alleged debt collector is trying to collect on a debt that I have no knowledge of. Again, I do not know who these people are, I have no contract with this alleged debt collector and this is clear identity theft using my personal information to collect on an alleged debt.
Complaint sub-issue: Can't decrease my monthly payments

I have a loan with Sallie Mae and I went XXXX XXXX, wisconsin. I have a high payment and was hoping to lower or defer my payment due to going on maternity leave because I will have no income during that time. Sallie Mae was no help to me they want me to pay to defer the loan even while it will still be gaining interest and they do not even offer a loan extension to help lower payments. So altogether I can not temporarily stop payments or try to lower my payments in any way.
Complaint sub-issue: Didn't receive enough information to verify debt

I do not have a signed contract and or knowledge the company ERC which also goes by the name of Enhanced Recovery Company. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$1600.00}. It is against the law to collect on a debt that is not associated with the original collector and ERC has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to ERC
Complaint sub-issue: Information is not mine

Equifax does not respond to me in writing to provide status of my many requests to delete unauthorized inquiries appearing on my credit report. 
1. XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX2.XXXX XX/XX/XXXX3.XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX4.XXXX XXXX XX/XX/XXXX5.XXXX XXXX XXXX XXXX XX/XX/XXXX6.XXXX XXXX XXXX XX/XX/XXXX7.XXXX XXXX XX/XX/XXXX8.XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I notified Equifax by U.S. Postal Certified mail that I'm a victim of identity theft and as a result I would like for this Equifax credit bureau to immediately remove, delete or block a long list of unauthorized credit inquiries from my credit file. 

Unfortunately, for almost 2 months and as of this present date, I have not received a written response from Equifax. 

However, after I contacted Equifax twice by phone during this month of XX/XX/XXXX, Equifax has still refused to provide me with their written status or results of my written dispute. 

As I am clearly a victim of identity theft and a victim of the Equifax Data Breach of XX/XX/XXXX, I plan to hold Equifax and all unauthorized creditors liable by filing a huge lawsuit against them, especially since there were no permissible purpose under which these fraudulent credit inquiries were made.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. Accounts Below : US DEPT ED # ACCOUNT XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX US DEPT ED # XXXX XX/XX/XXXX XXXX  XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX XXXX XXXX # ACCOUNT XXXX XXXX  ACCOUNT XXXX XX/XX/XXXX CHAPTER XXXX BANKRUPTCY # ACCOUNT XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

RE : DEFAMATION OF CHARACTER to whom it may concern, This is about the consumer report dated XX/XX/2022 received from EQUIFAX via email. While reviewing my report I came to know about the inaccuracy and even fraudulent information still being reported on it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Your company FALSELY REPORTED information that resulted in defamation of my character. even further, you created deceptive forms that made creditors and employers believe that i was in debt though you could not prove its validity. If the debts were valid you created a false impression that i could not pay the alleged debt. As a result i was discriminated against and denied my right to extend credit. I was denied a XXXX XXXX credit card, and personal loans, I have suffered emotional as well as financial hardship. Therefore, your company is liable under 15 USC 1681o. I have evidence of over 10 phone calls made to EQUIFAX to remedy this matter. I have previous CFPB complaints that EQUIFAX has failed to accurately investigate. I have contacted your company through multiple mediums to remedy this matter. EQUIFAX has willfully and knowingly refused my right to an accurate credit report pursuant to the FAIR CREDIT REPORTING ACT. As a result of a previous breach of my personal sensitive credit information by EQUIFAX i am eligible for a settlement check from the class action suit. Claim Number : XXXX which further proves my sensitive credit information was not secure. However, Still to this date, EQUIFAX continues to be unfair and impartial to my right to privacy and refuses to remove the inaccurate and fraudulent information from my report. my EQUIFAX score is the lowest amongst all my other credit scores and continues to tarnish my character and reputation. I hereby grant your company the opportunity to remedy this matter by doing the following things ; DELETE the account in collection status XXXX XXXX XXXX XXXX XXXX from all consumer reports. Pay {$1000.00} by check addressed to XXXX XXXX for the willful and repetitive knowing violation of my rights. If your company refuses to remedy this matter, I will pursue individual action under the Fair Credit Reporting Act seeking actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages.
Complaint sub-issue: Investigation took more than 30 days

I found out I was a victim of the Equifax data breach so I sent letters to the bureaus last summer asking them to remove all of the inaccurate accounts off my credit report. Fast forward months later and nothing was done so I sent another letter certified mail to them but still no response. Now I'm asking you all to do whatever you have to do to force them to remove all of these inaccurate accounts. I sent the last letter in XXXX so it's been well over 30 days and I feel like they're taking advantage of me. Maybe you all can fine them or something and force them to remove these items because it's ridiculous for them to keep reporting information that I've already told them is inaccurate
Complaint sub-issue: Need information about my balance/terms

On my loan account on AESSuccess.org, there is no information that I can access to check my loan balance month over month or even access this month 's loan balance. This is deceptive and makes it impossible for me to keep track of my loans and make sure that AES is not adding in fees or can be held accountable.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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