Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I purchased a dryer with a pedestal that included delivery charge and I purchased a 2 year warranty on XX/XX/XXXX, for a total amount of {$1100.00}. I placed this on a 12 month No Interest plan. I paid {$100.00} per month beginning XX/XX/XXXX with a couple of payments at {$80.00} and {$75.00} knowing I had to have this paid by XX/XX/XXXX. In XXXX of XXXX I contacted the company several times to get a correct pay off because the pay off on line was not correct and way more than the amount I had. Never received a response to get a correct pay off. This is when I went on line in emails for this information and also have this in writing. I am to this date, still trying to resolve this. I found out, with no one disclosing any information to me before I made this purchase that Conn 's added Unemployment Insurance and Property Insurance. I am retired and do not need Unemployment Insurance and I carry Property Insurance on everything in my house for 30 some odd years. No one cared to ask. I also found out an Administrative fee of {$100.00} was add to the purchase price along with the insurance premiums of $ XXXX and $ XXXX. After months of email exchanges I forced them to send me all documents to prove I still owe them {$670.00} around that amount they say, and I found out Conn 's was and did charge me INTEREST for the 12 months on a No Interest loan. I have sent two ( 2 ) letters to the CFO and the EVP of Finance neither have never responded. I could not get a correct answer on the pay off that was due XX/XX/XXXX I was told they would get back with me. So I made my last payment of {$150.00} on XX/XX/XXXX. I received a latter from Conn 's on XX/XX/XXXX stating Conn 's would Honor the No Interest Cash Option Plan, now they will not because they claim it wasn't paid in time. Due to their lack of communications this is my fault! No. Let me repeat I was being charged monthly interest on a no interest agreement for each payment I made. If they had not applied to interest this loan would be satisfied. Now, they are reporting to the Credit Bureau late payments. I can not seem to find ANYONE that id willing to help. I am an ex-XXXX XXXX in Banking so I know how leading works so before I contact an attorney I want consumers to beware of this type lending
Complaint sub-issue: Funds not received from closed account

My personal checking account with Citibank was closed due to the fact that I had a SBA Eidl loan deposited into the account. I am a sole proprietor and was unaware that I could not have a business loan deposited into a personal checking account. 

I was told that once the account was closed that Citibank would send the loans back to the SBA. The account was closed on XXXX XXXX and Citibank still has not sent the loans back to the SBA. This is of great concern to me because in the SBA does not receive the loans back soon then I will either have to pay on a loan that I never had access to or I will be in default which will negatively affect my credit and what is worse I could have my assets that was used a collateral seized.

I would like for Citibank to send the SBA loans back to the SBA immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

My name is XXXX XXXX and I sent Sallie Mae a verification letter on XX/XX/2021. I didn't receive a response so I called them and they told me that they would send the original documents. It is now XX/XX/XXXX and I still have not received verification and pursuant to 15 USC 1692g, verification is required once requested. If I am not mistaken, if there is no verification, then there is no debt. If Sallie Mae insists that I, a consumer, owes them this alleged debt, then there needs to be an AGREEMENT between myself and Sallie Mae with WET INK SIGNATURES. As a business, it does not make sense to do business with someone with no signed contract or agreement from both parties involved. In reality, Sallie Mae can not do business with a natural person anyway. Businesses can only contract with other businesses! Furthermore, this lets me know that since Sallie Mae can not EVER provide verification to me, then they can't provide it to anyone else. Now if Sallie Mae is collecting a debt, then they should know ALL of the laws under the FDCPA and not just the ones that benefit them. They have also used my personal and private information without my written consent and shared it with credit reporting agencies. Pursuant to 15 USC 1692c ( b ), no one is allowed to communicate with ANY third party outside of the consumer unless the consumer AUTHORIZES it and I have NOT authorized anything whatsoever. That is even discussed in the FCRA. Anything that has something to do with my personal and private information HAS to be authorized by me, otherwise it is, in fact, considered identity theft and is punishable by law pursuant to 18 USC 1028A. Pursuant to 15 USC 1692h, " If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. '' With that being said, all prior payments need to be refunded to me as that is my RIGHT. Another interesting thing I came across is the fact that the debts are in excess of {$1.00}. According to 15 USC 1666d ( C ), anything in excess of {$1.00} needs to be refunded to the consumer. It makes no sense to pay something that is in the positives. That is false representation pursuant to 15 USC 1692e ( 2 ) ( A ). All of these offenses are considered crimes under federal law, starting with fraud pursuant to 18 USC 1028. This is also extortion under 18 USC 891 ( 6 ). My credit card, which is my social security card pursuant to 15 USC 1602 ( l ), was used in this process therefore making this an extortionate credit transaction. I also never received my Right of Rescission. Sallie Mae is willfully and knowingly participating in illegal actions against I, the consumer, and there is no way to deny it when federal law says otherwise. Reporting adverse actions and items to my consumer report is causing harm to my reputation which is considered an unfair practice and harassment and is, in fact, illegal.
Complaint sub-issue: Problem with product or service terms changing

TrustedID XXXX by Equifax The website is impossible to reach and the XXXX number posted is never open. The enrollment for credit/ID protection due to the recent hack of Equifax is difficult to navigate and the process is never ending compounded by the severe difficulty to even log in to my account. 

There is always a XXXX wait for each phase of the protection enrollment but there are very long delays due to the website to log in is always down. 

Equifax is falsely advertising that it is taking care of the 140+ million names that have been hacked but days are passing by fast without any real expeditious help from Equifax to protect us. 

Equifax management should be prosecuted for this horrible breach of consumer identity protection.
Complaint sub-issue: Don't agree with the fees charged

I refinanced my student loans with Nelnet. They keep asking me to go into forbearance when I have trouble getting work. 
My direct consolidated loans are = {$68000.00} Direct Subsidized A {$32000.00} and B {$35000.00}. 

Part of my now {$81000.00} loan has become so high with {$11000.00} in capitalized interest and {$1100.00} in accrued interest amounting to {$12000.00} in total interest is triple the amount of interest I should have paid on loans with a 6.25 % interest rate, which should have been only {$4200.00}. 

Nelnet told me there 's no way to stop paying such high interest and the interest is at least {$400.00} per month alone. I feel underwater and trapped with the amount the loan keeps climbing and need help.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$20000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Complaint sub-issue: Cashing a check

I had a XXXX XXXX XXXX checking account and had sold a phone online and was paid with a cashiers check in which I deposited into my account and it had cleared with the available funds. This was in XXXX of XXXX. In XXXX of XXXX I also had a XXXX XXXX   checking account that became overdrawn and fees piled up from my ex wife using my card. I also had a checking account with US Bank in XXXX of XXXX that has the account closed and labeled account abuse for I have no idea why. I have a XXXX XXXX XXXX   account on my report that was closed in XXXX of XXXX, because again, I sell things online and received a cashiers check that apparently never cleared. I also have multiple banks with inquiries under my name and social that I never requested, such as XXXX in XXXX of XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, the XXXX XXXX XXXX in XX/XX/XXXX as well as XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX installment XX/XX/XXXX. All of these transactions were done without my knowledge and not by me.
Complaint sub-issue: Their investigation did not fix an error on your report

I h ave requested XXXX in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by Equifax inXX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
Furthermore, after 30 days XXXX responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the XXXX Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. Equifax, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, XXXX has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge.
I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that XXXX uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification.
To compound the subject even more XXXX was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
Complaint sub-issue: No notice of investigation status/result

I am filing a complaint with your agency because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Now that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent XXXX, XXXX, and Equifax dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed.
Complaint sub-issue: Account status

I have tried to submit a dispute online and Equifax wo n't allow me to submit my information. I have several accounts that should have been dismissed due to Chapter XXXX
Complaint sub-issue: Billing problem

In XX/XX/2017 I made two loan payments on my vehicle which should have been applied toXX/XX/XXXXr andXX/XX/XXXX. InXX/XX/XXXX I made a payment which would have accounted to XX/XX/XXXX.XX/XX/XXXX we had a thin month so I did not make a payment since that month 's payment was already made. In XX/XX/XXXX, I made my XX/XX/XXXX payment 8 days late for which a late fee was added. On XX/XX/XXXX I made another payment which would have been for XX/XX/XXXX. My next statement with the company still indicated my XX/XX/XXXX payment was due and a late fee was charged on my late fee that was assessed on myXX/XX/XXXX payment. I made myXX/XX/XXXX payment on theXX/XX/XXXX, one day before the due date of theXX/XX/XXXX. As of today, company still shows that I owe for myXX/XX/XXXXpayment. I contacted the company on XX/XX/XXXX to discuss this. After reviewing my payments with the CSR, he agreed that there appeared to be an error on the part of the company and attempted to transfer me to the department best suited to handle this. The transfer could not be made so he sent a message and advised me to call back on Friday XX/XX/XXXX. I called on XX/XX/XXXX, the CSR saw the note on my account and attempted to transfer me without success. She assured me she would email the department and I would be contacted within 24 hours. As of XX/XX/XXXX I have not received a response and my account has now been assessed another late fee on the late fee.
Complaint sub-issue: Problem with fees

The PNC interface for business credit card shows up on my consumer account. On the consumer account, the interface says " Amount Due : {$0.00}. '' However, this is inaccurate, conflicting with information elsewhere on PNC.

I pointed out this GLARING, MISLEADING ERROR to PNC, but they still charged me a service fee as my " courtesy waiver '' was not available.

By any reasonable objective standard, this is not a request for a courtesy credit. This is a request for a credit due to MISLEADING INFORMATION on their poorly administered site.

I appreciate your help curbing the abuses in this sector, because recent history shows that companies like XXXX XXXX and perhaps PNC will use consumers like doormats if given half a chance.

The manager is XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item ( DEPTEDNELNET account # XXXX Date Opened : XX/XX/2012 Balance : {$0.00} ) is reporting late, yet it is closed and the balance is XXXX as reported in XXXX Credit Bureaus . The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaints. Lets remove this immediately.
Complaint sub-issue: Account status incorrect

on XX/XX/XXXX family moved from XXXX to XXXX. told XXXX XXXX  XXXX ( account number XXXX ) to turn my service off on XX/XX/XXXX. XXXX sent me a bill charge me until XX/XX/XXXX. so i mail them back and forward to solve problem. once i got the right bill i paid XXXX. wrote XXXX a check through XXXX XXXX check number # XXXX amount of {$140.00} on XX/XX/XXXX and XXXX cashed the check on XX/XX/XXXX. i have bank statement and check show i paid XXXX XXXX XXXX and that that cashed to check. on my credit report it show charge-off which is inaccurate information. credit reporting agency are to show accurate information.this need to be removed from my credit report or change to show late payment. equifax is the only credit reporting agency showing this inaccurate information and needs to be corrected.
Complaint sub-issue: Account information incorrect

I am writing this due to non-compliance with the CRA. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They can't continue to report this negative information because it's false, I'm trying to better my life, and these negative accounts hinder me from doing such. I have filed with the Attorney General as well, I will attach their response to this complaint.
Complaint sub-issue: Information belongs to someone else

I have on several occassions contacted XXXX, equifax, and XXXX  and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON XXXX, EQUIFAX, AND XXXX. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM XXXX  XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

8 INQUIRIES 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
Complaint sub-issue: Debt is not yours

I am periodically receiving harassing telephone calls from MoneyTree. I do not believe that I owe them what they say I owe. According to the FCRA they must verify their information and they have not done so. I am in the process of disputing this information via XXXX, XXXX, and XXXX. I am not interested in discussing any information with them via the telephone. If they are interested in talking with me they must respond to me in writing ONLY!
Complaint sub-issue: Reporting company used your report improperly

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

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

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

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

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

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

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

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

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

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

In accordance with the 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

By law Equifax has XXXX to provide valid signatures on all accounts being disputed. they failed to do so. they now are in violation and will be sued
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over { the amount of days } later I have not received a response yet.
Complaint sub-issue: Information belongs to someone else

There are fraudulent accounts on my credit profile that I have been disputing for several months to no avail. please help.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I was a college XXXX at the time trying to get back in college and i tried to apply for loans that i did not know i had knowledge about back in XX/XX/2017 on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. from XXXX XXXX XXXX. i did not know i was going to get a hard inquiry on my credit and i want the hard inquires removed