Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

HiMy mortgage company took advantage of me. Im aware that The CFPB is closely monitoring servicer conduct to ensure that they are complying with all applicable federal consumer financial laws and assisting consumers with resolving delinquencies and preventing avoidable foreclosures. As part of this monitoring, Im aware that the CFPB will continue its heightened review of mortgage servicing complaints, including in particular complaints about challenges working with servicers to use HAF funds. 

I have been impacted by XXXX. On XX/XX/XXXX, I contacted my mortgage Servicer to let them know that I did not have the money to pay for my XXXX XXXX, XXXX mortgage bill, I have been impacted by XXXX, and I asked what my options were at a time when I was still current on my payments. I told them I was aware of the HAF funds program opening in VA on XXXX XXXX, XXXX, and that I would apply that very day, but that theyre estimating 60-days before any payments covering my mortgage would be made. I specifically asked what contact information I should provide to Virginias HAF program, but I also asked what other COVID-relief remedies are available to me right now in the 60-day+ interim while I wait for my application to be processed. They told me there were no other remedies available. I called them every week in XXXX asking if any other remedies existed, I believe 6 times in total. I called them several times in XXXX asking the same question. I called them several times in XXXX. It wasnt until they told me in XXXX that my condo would be foreclosed upon in 10 days time that they told me I had another remedy available, to defer my payment through forbearance, a remedy I was told that had I employed back on XX/XX/XXXX on the date of my first call with them, I would not have had any delinquencies reported whatsoever. My mortgage company did not act in good faith towards me. I specifically asked them what COVID-relied remedies were available. I asked them a good dozen times and it wasnt until they told me Id be kicked out onto the streets in 10 days time ( even though they knew I was approved for HAF on XXXX XXXX, XXXX, and merely waiting for the payment to be sent to themand VAs HAF program was already in communication with them ), that they told me I had another remedy I could use to avoid foreclosure. They took advantage of me. They lied to me. They did not act in good faith to me. Conversely, I was overly diligent in my efforts to maintain good credit. I contacted them over a dozen times. I should not have to pay for their greedy, foul play lies that has negatively impacted my credit approx XX/XX/XXXX and XX/XX/XXXX with delinquent notices posted to my credit. Id like you to correct their foul play, their unfairness, what I would call gross negligence, on their part. What they did to me is not okay whatsoever.
Complaint sub-issue: Trouble with how payments are being handled

Student loans were paid ahead for several months  ( See below ). Great Lakes refuses to apply the loan payments to the principal loan amounts. We have called and written to no avail. Last year these loans were paid {$6000.00} ahead, but they continue to only apply these to the interest. We have quit paying on the loans since last year since it does no good. Will attach loan statements showing amounts paid ahead and that " Total Amount Due is {$0.00} ''. The only thing that appears feasible is to just default on the loans. This is our last hope. We have been paying on these loans for 10 years. Original loan amounts were {$5000.00}  on  XXXX  and {$10000.00} on  XXXX  totaling  XXXX . Current combined loan balances is {$13000.00}. We are beyond angry and frustrated. This appears to be fraud at its best and stealing at its worst. As you can see from the below records, the payments totaled {$5400.00} for just the last quarter of last year and the first quarter of this year. PLEASE HELP US!     Loans :  XXXX   XXXX   XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$980.00} paid ahead  XX/XX/XXXX  {$500.00} paid ahead  XX/XX/XXXX  {$1000.00} paid ahead  XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$880.00} paid ahead   XXXX   {$380.00} paid ahead   XXXX   {$310.00} paid ahead   XXXX   {$250.00} paid ahead   XXXX   {$190.00} paid ahead
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Problem during payment process

I am a Citi credit card holder ( XXXX cards ) and have had numerous issues with the mobile app providing me with inaccurate information. In a nutshell, I make numerous payments an the app, which provides a Before Payment amount and After Payment amount. The following day, the actual amount is always different ( higher ) from the After Payment amount noted in the app. I have screen shots to support this. Citi insists that the app is working as designed and that pending payments may impact the actual balance. It is important to note that at NO TIME does the app display a message that the actual balance could be different. I started my complaint in XX/XX/XXXX via email to XXXX XXXX, XXXX XXXX. XXXX XXXX from the XXXX XXXX XXXX left me a voicemail on XX/XX/XXXX stating that he and a colleague did find the problem and that " indeed something odd going on within the actual algorithm or the coding behind that. '' I reached out many more times and no one would acknowledge the message about a coding error in the app. I requested a corrective payment again and rec 'd a response on XX/XX/XXXX that the app is working as designed and no corrective payment can be issued. Their response includes " we certainly regret any confusion regarding the voice message left by our representative on XX/XX/XXXX. We have forwarded the details of your request to our appropriate departments for potential future enhancement of this process which may include pending transactions in the future balance figure displayed as part of the payment flow. '' It is unconscionable that a a multinational investment bank and financial services corporation would feel that providing the consumer with an accurate balance after payment on the App is a " future enhancement. '' What?? I am a single mother of XXXX teenage daughters and I am trying to make ends meet. I made a large number of payments while prioritizing debt reduction only to find out that the data given by the bank through their own mobile app was inaccurate. Additionally, once the CEO 's colleague, XXXX XXXX, told me that they identified a problem with the algorithm/coding on the application, I felt relieved that they would finally make me whole. They have swept aside the comment about the coding error and the inaccurate information on the App displayed after payment. There could be thousands of other consumers who have been impacted by these XXXX issues.
Complaint sub-issue: Information belongs to someone else

I am requesting this myself for you to take necessary action about the errors being reported on my Equifax Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Below, are the items they should DELETE from my file : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Account information incorrect

I have reached out to the companies about the accounts not having the correct information,
Complaint sub-issue: Problem getting your free annual credit report

Equifax should be held accountable for their failure to notify customers in a timely fashion that all their personal information has been compromised. 

Individuals impacted should receive a copy of their credit report immediately, free lifetime credit monitoring, and aCcounts should be frozen. 

I attempted to get my credit report from annual credit report, but the EQUIFAX system continues to fail. It 's bad enough that Equifax waited to tell everyone that the system was compromised and personal info stolen, but it 's made worse when you ca n't get a copy of your credit report to find out if someone has fraudulently started using your name and SSN. The site just crashes over and over. Then you type in your information and the system tells you that you are part of the system hack and your information has been stolen, but you ca n't sign up to do anything because the system is down ...
Complaint sub-issue: Trouble getting information about the card

I received a prepaid XXXX as a gift from one of my vendors. I attempted to identify its value on the issuer 's website ( XXXX, XX/XX/23 ), but the website indicated I had to call the issuer. Upon doing so, I was told the card was 'compromised ', but with no specific details as to how. I was instructed to utilize links on their website to submit photos of the card along with my personal information, but the website would not allow me to do so. I attempted with multiple operating systems and web browsers, but their system stated it was 'unable to process my request ' and to again call their phone support. I did so, and spoke with a supervisor after a long wait. XXXX ' informed me that he would escalate the matter, but could not take my name, email or phone number for them to contact me to provide resolution. Instead I was instructed to call back after 5 days. Looking at various web forums, this seems to be a pattern for many customers. The issuer states a card was 'compromised ' without any validation and refuses to honor it, which feels remarkably like an orchestrated scam.
Complaint sub-issue: Their investigation did not fix an error on your report

After twice writing to XXXX and Equifax asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named XXXX XXXX XXXX XXXX in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought XXXX and Equifax were suppose to physically verify alleged debts before reporting.
Complaint sub-issue: Account status incorrect

In XXXX of 2018, the account I had with XXXX XXXX XXXX XXXX was closed and paid in full. On my credit report, it shows the account is open and is now late. It is hurting my score and making it impossible for my husband and I to buy a house. I have disputed the info with Equifax TWICE now, with supporting documents from XXXX stating that my account was paid in full and closed, and they still will not fix it. I also have included documents from the dealership stating the car is no longer in my name and showing the check they used to pay the bank in full. The other reporting agencies have it closed on my reports from them, as well as my husbands ( the co-borrower ).
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX have 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 is not mine

My identity was stolen in XXXX 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANK. I Feel like Equifax is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.
Complaint sub-issue: Reporting company used your report improperly

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX Jefferson Capital sent me a letter about a debt that I supposedly owed to XXXX. I sent them a letter asking them to send me proof that I owe the debt since I know I do not owe the amount they specified. They didn't send me anything and had my letter sent back to me. Then on XX/XX/XXXX they sent me another letter asking for payment on the debt. I ignored it and received XXXX more letters one on, XX/XX/XXXX, XX/XX/XXXX and the most recent on XX/XX/XXXX. I have not tried contacting them via phone because I know it's a scam and I know I don't owe the amount they're asking for.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXXXXXX, 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: Their investigation did not fix an error on your report

I HAVE FOLLOWED ALL THE RULES OF WHAT TO DO MY INFORMATION WAS STOLEN OR MISUSED I HAVE GIVEN THE CREDIT COMPANYS ALL THE PROOF THEY NEEDED THEY STILL HAVE YET TO REMOVE THE ACCOUNTS
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am just overwhelmed in paying on this loan. The more I pay, the balance increases. I have paid almost {$3000.00} on this {$6000.00} private student loan, and would like to make a lump sum payment, but afraid this payment will end up floating in the air and not making a dent in the principal balance. AES will not negotiate a payoff and are being hard nosed as usual. Paying {$12000.00} to pay off this loan is a rip off and needs to be investigated. My experience with AES is that of a predator lender.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Checked my credit report and seen multiple fraudulent items that didn't belong to me.
Complaint sub-issue: Account status incorrect

Equifax Credit Bureau has allowed a collection agency to report erroneous negative information on my personal credit reports. 

Equifax lists a collection in the amount of {$100.00} from XXXX XXXX  from XX/XX/2021 I was NEVER contacted by this collection agency to be given an opportunity to validate this and it has simply appeared on my reports. How does Equifax allow this to happen?? I demand to know. 

Again, I have NEVER received ANYTHING from XXXX XXXX  or EQUIFAX in regards to this matter. No verification or validation has been done by either of them. 

This is in direct violation of the FCRA and this collection MUST be removed immediately.

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Defamation Negligent Enablement of Identity Fraud P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Problem accessing account

On XX/XX/XXXX I phoned Ally and spoke with XXXX to request requiring two-factor authentication ( email and phone ) whenever I log in to my Ally account. He created case # XXXX and said somebody would contact me within two days. 

Nobody contacted me so I logged into my Ally account - which I really didn't want to do, as another non-Ally password was hacked and I'm concerned about security - and sent a message asking for two-factor verification. XXXX XXXX responded that the request # XXXX was created but did not go through. She created another case # XXXX to escalate the case. Also another case # XXXX - I have no idea what that's for. She wrote " you will still receive multi-factor authentication notices/security code requests to your trusted devices as well as from any other device via different location, public facility, hotspot, which will alert you should anyone other than yourself is attempting to log into your Ally Bank XXXX '' which is completely NOT true. I was able to log in just now and it only asked me for my password and sent ONE code, to my email, rather than the TWO codes I had requested ( an additional code to my phone ).
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX XXXX. ( Opened XXXX. XXXX, XXXX, Highest Balance {$75000.00} )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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account 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 an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

these are fraudulent inquiries and i want them removed I have had a fraud alert on my account since XXXX would like for these inquires to be removed creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, XXXX dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

credit bureaus have failed to remove fraudulent accounts off my file that 's a result of identity theft
Complaint sub-issue: Frequent or repeated calls

I had to leave my job in XX/XX/2019. I exhausted months searching endlessly for employment. During this time, I was unable to pay my Discover card debt. 
Months later, I spoke to a representative about my situation. 
My payments were reduced and I am on a payment schedule. 
However, due to Discovers ineptitude, I received a call that my {$35.00} payment was not received even though Discover has my bank account information, and the money was available. I received a string of harassing phone calls from a malicious discover representative. 
The issue was resolved and it happened a second time with my monthly payment. I received another call from a malicious representative who hounded me for a payment that Discover supposedly didnt receive.

I called a second representative later to complain that I am being harassed during a pandemic, especially since I already have been experiencing financial hardship. Also, it is not my fault that the payment was not received. It is Discovers fault that the paym
ent was not receive. Today I have received repetitive phone calls from the predatory vultures at Discover.

A word of caution to anyone who is considering using this despicable company : this company epitomizes greed and maliciousness.