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

I took out a total of {$22000.00} from Sallie Mae between XX/XX/XXXX and XX/XX/XXXX. I began paying this back this year, XX/XX/XXXX. Due to a XXXX leave, I had to return and finish XXXX this fall, meaning I did n't get a grace period. That is not the issue, however. According to XXXX, they picked up my loan and I am supposed to be paying them. Sallie Mae is telling me that I still need to pay them. My {$22000.00} has now turned into {$44000.00} among XXXX different companies. Instead of paying the agreed upon $ XXXX/month, I am now sitting at owing $ XXXX/month right now. I have made countless calls but I just get told that the other company is wrong. 
I was told by the Department of Education to report XXXX because they wo n't provide me any proof of signing my debt over to them. I asked for the promissory note because my mom and I never did anything regarding XXXX, but they told me that they could n't give me my promissory note and I had to call the Dept. of Ed and get it from them. When I called the Dept. of Ed they told me that was incorrect and a violation on XXXX 's part. 
I went to the bank today and assured that I only ever received {$22000.00} through loans. They verified that and told me I need to get proof from both of these companies. Neither company will give me any proof and they keep giving me the run-around. I can not live paying {$850.00} a month right now for student loans -- I have my rent and car payments on top of that, and it is impossible for me to bring in that kind of money when I graduated XX/XX/XXXX. 
The bottom line is that my loan amount was doubled from {$22000.00} to {$44000.00}, and both companies are telling me that I need to pay them. I went to a XXXX College for two years and payed out of pocket for that- I then took three years at XXXX , including a XXXX semester that I received a XXXX. The fact that I received {$44000.00} dollars worth of loans is simply impossible and I need to get this figured out as soon as possible. I have spent over ten hours on the phone during the last two days and have gotten no where. 
Please help me, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, USA XXXX RE : Disputed Account Notice to Furnisher XX/XX/XXXX Item was removed and added again! 
XXXX 
Dear Sir or Madam : I discovered XXXX XXXX XXXX # XXXX 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 previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Identity Theft Report Proof of identity Notice to Furnishers of Information
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Purpose
Complaint sub-issue: Information belongs to someone else

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I recently pulled my credit report and I am a victim of id theft. someone has stolen my identity, I want to investigate these fraud accounts and press charges.
Complaint sub-issue: Received bad information about your loan

Received email on XX/XX/2022 from American Education Services with faulty and misleading information including IN BOLD or HIGHLIGHTED text that makes the message appear super misleading, faulty, and fraudulent about student loan forgiveness and then directs consumers to apply to re-finance their student loans at what would most likely be MUCH HIGHER INTEREST RATES with HIGHER monthly payments.
Complaint sub-issue: Information belongs to someone else

INFORMATION AND ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/2020 EOS CCA allegedly took over my student loan debt, however I was never given information as to how or why this happened. This company is a scam. Its a disgrace. After not contacting me for several months, I finally got in contact with the company and made an income-based payment plan in order to protect my co-sign and his ability to buy a house. Theyve refused to comply in sending a written confirmation of my debt or payment history, something my co-sign needed in order to close a mortgage. Their online payment portal has inaccurate information about my payment history. Theyve neglected to update my credit report to include details of my payment history despite multiple requests. 
Theyve illegally spoken to relatives of mine regarding my debt without consent. 
Theyve denied service to me when Ive called to manage my debt, saying the right employee was not available, the person with access or ability to handle my complaints or requests was out of office, or by saying that the company was in transition and my information was not readily accessible. After several phone calls in which representatives lied about sending me emails, written letters, and faxes, the company has now fully ghosted me. The last I called they said they had no knowledge of my account in their system and it must be a data entry issue. I dont even know what to do here. This account is ruining my credit and has ruined my relationship to my co-sign, who is like family. This company is ruining my life. All of these requests were made and I was lied to with agreements on recorded phone lines. It is just so ridiculous. I just want it to go away.
Complaint sub-issue: Problem getting your free annual credit report

I requested a copy of my free annual credit report from XXXX, XXXX, and Equifax through the XXXX website. I received my reports from both XXXX and XXXX   without incident, however, I did not receive a report from Equifax. Rather, I was sent a letter from Equifax stating that they need additional information to verify my identity and address. Per the letter, they need 2 pieces of information from me : 1 ) IDENTIY * Pay stub with complete U.S. Social Security number * W2 form with complete U.S. Social Security number * Valid Social Security card 2 )  CURRENT ADDRESS * Driver 's license * Rental/Lease agreement * Mortgage statement * Utility bill ( gas, electric, water cable, residential telephone bill ) I have a huge issue with a request of the items listed in 1. If this Reporting Agency is even remotely reputable, they certainly would not have such an absurd request to send information containing a complete SS # through the mail. Needless to say, we are in a huge environment of identity theft, fraud, etc. Add to that, knowing that Equifax has been plagued by their security issues and data breaches, no one of sound mind would even entertain this request. Credit Reporting Agencies ( XXXX, XXXX and Equifax ) should be protecting the Consumer not put them at risk by asking for such documents. Apparently, Equifax needs to get their house in order and be reminded of their purpose!
Complaint sub-issue: Old information reappears or never goes away

I disputed an account that was on my report pass 7 years and they reduced my credit score by 29 points for the dispute. The creditor is still on my report. I was told by an equifax employee because I initiated the dispute my credit score was reduced. I am getting penalized for challenging items on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account, 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: Didn't receive enough information to verify debt

XX/XX/2018 and XX/XX/2018 Account Amount : {$1100.00} XXXX XXXX XXXX, XXXX. reported account onto my credit report which I requested proof of documentation bearing my signature. the company haven't provided me with this document which is a violation of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Account # 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I have had some issues with someone accessing my credit file and using mypersonal information and at this time I would like to request a credit freeze/ Block all accessto my file and contact me directly at my phone XXXX or email me XXXX. I need a PIN for all my credit reports asap. 
I found some incorrectaccounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3.XXXX # XXXX 4XXXX # XXXX 5XXXX XXXX # XXXX 6XXXX # XXXX 7XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX 9.XXXX XXXX  # XXXX THERE ARESEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASEDELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX, OH XXXX
Complaint sub-issue: Problem making or receiving payments

I have an account with Citibank XXXX. Transferred XXXX on XXXX XXXX to my own account in Citibank XXXX. 
The amount has not been credited to my account in XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT 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 1666B A billing error 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: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased from a company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who stated my goods ( a weight set ) were shipped in XX/XX/2020, and every time I reached out to the company for information and tracking, I was met with excuses. I still have not received ANY goods for the {$440.00} I paid, so I reported the fraud to my credit card company, Citibank. My credit card company, Citibank, closed the dispute and decided I was liable for the charges, but I still have not received any goods, nor am I receiving any information or responses about tracking from the company. I have good reason to believe this company is running a fraudulent business. The company 's website, www.solardrop.com, is now offline completely.
Complaint sub-issue: Account status incorrect

I have not received statements for XXXX to-date. There has been an on-going billing error issue since on or around XX/XX/XXXX. At this point XXXX XXXX ' system shows no statements have ever been generated for XXXX, and they have failed to conduct a proper billing error investigation since it was initially filed in XXXX. The collection agency assigned to handle the outsanding amounts returned the account to XXXX XXXX due to violations as summarized in the attached documentaion. At present, XXXX XXXX ' system alleges a payment is past-due by thirty ( 30 ) days in XXXX, and possibly now sixty ( 60 ) days since another alleged payment was due XXXX XX/XX/XXXX. See attached for full complaint.
Complaint sub-issue: Overcharged for something you did purchase with the card

Today XX/XX/2019, I ordered a XXXX ride, the amount for the ride was {$20.00} but I was charged on my card in the amount of {$25.00} and it had XXXX XXXX by the amount. 
I live in XXXX not XXXX XXXX
Complaint sub-issue: Account information incorrect

I have paid my auto 3+ years and 2 credit cards 2+ years on time without any lates. Pay off credit card balances every month. Why are all 3 bureaus still showing fico under 600?
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a letter to Plaza Services requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. Plaza Services is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of other violations against the FDCPA including false representation, unfair practices, and furnishing deceptive forms.
Complaint sub-issue: Account information incorrect

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX  has XXXX, ACC # XXXX as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and Equifax has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. XXXX  has XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and Equifax has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. XXXX  has XXXX  XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and Equifax has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. XXXX   has XXXX  XXXX XXXX  XXXX XXXX, ACC    # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and Equifax has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. XXXX has XXXX XXXX XXXX, ACC # XXXX/ XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX , ACC # XXXX High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and Equifax has the following info claiming to be accurate as XXXX XXXX XXXX, ACC # XXXX High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another?  This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!
Complaint sub-issue: Need information about your loan balance or loan terms

I took out my first private loan in XXXX with XXXX XXXX bank as the lender and AES as the servicer. I have a total of 6 loans with a remaining balance of {$88000.00}. Over time my loans were sold to NCT. Over the life of the loan I have paid a total of {$160000.00}. I have been given incorrect information by AES on multiple occasions. In XXXX I was told if I made full on time payments for 5 years I could release my co-signer. Once I completed those 5 years I was told I couldn't release my co-signer because in the past I used a reduced payment plan. 

Current date I have requested contact information for NCT so I could speak to them directly. I was told " XXXX XXXX XXXX  '' was the contact for NCT. I called and gave them my SS # and they informed me they do not that my loans. I reach out to AES via certified mail twice to provide me with legal documentation with with NCTs contact information or paperwork stating they own my loans. As of today XX/XX/XXXX the only thing I have received is the original loan paperwork. Zero information for my lender-NCT. 

I am trying to find the lender for my set of loans to provide information of ownership as my lender with contact information.
Complaint sub-issue: Information belongs to someone else

Imma victim of idnrntity theft and they have my extended fraud alert and police report to block these accounts and inquiries and now XXXX   refuses To delete them as they have in the past and Equifax too XXXX   has removed the information that they are reporting
Complaint sub-issue: Problem with product or service terms changing

My Equifax credit file was one of the more than 163 Million accounts that was breach from sometime in XXXX XXXX through XXXX XXXX. Although, Equifax was aware of this breach, they did not reveal it to the public until early XXXX XXXX. When Equifax offered a " solution '' by offering " Free '', their product, Trusted ID True Premier Theft Protection, I decided to sign up to try and protect my ( exposed ) credit file. After I signed up for this Equifax product, I learned that I was agreeing to give up my rights to seek damages from Equifax through other avenues at a later date. The disclosure is buried somewhere in fine print. 
After further research on my part, it came to my attention that the ID protection that Equifax offers is subject to " Spooing '' attacks. 
I have no confidence in Equifax. 
In my opinion, as a major Trusted reporting agency Equifax handled this situation very poorly. I am disappointed, and very dissatisfied as a consumer.