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

My loan was transferred to Nelnet. I was not notified. Upon looking a bank statements I realized my auto pay was not being taken out. I contacted the original loan holder who said my loan was transferred. I have never been late on a payment. I contacted Nelnet and they said my payment was late and they would waive my late fee. They asked if I wanted to set up auto pay and I agreed. I just called them to find out why the withdrawal never came out of my account and they told me I didnt follow the email. They never told me about an email. They took the one payment without an issue. I explained to the manager XXXX   from XXXX, Nebraska who informed me that even if she listened to the recording of my first call when I set up a payment and auto pay, and found that I wasnt informed on how to set up auto pay I would still not get my late fee back even if I wasnt told about the process when I was under the impression that it was set up considering I had given them all my banking information checking number and routing. So even if they were wrong in conveying the steps I was still paying a late fee. I have never been late on a payment before having to deal with Nelnet
Complaint sub-issue: Reporting company used your report improperly

The following company is not in accordance with 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. 

Company : XXXX XXXX XXXX XXXX - XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX  Account # 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

Someone stole my identity while I was in XXXX and open accounts in my name.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXXBankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Complaint sub-issue: Transaction was not authorized

This morning I checked my checking account and found that there were funds taken from my account twice - once from the previous month, and this month - services I already paid for, and that were deducted from my account on the days they were reported. My account, on the days in question had about a thousand dollars in it, enough to cover XXXX bills and payments. These are not accounts that have my account information, XXXX XXXXXXXX, XXXX XXXX, or XXXX XXXX. I went into a US bank branch to stop them from allowing XXXX to take money out of my account, as I'm unable to reach anyone from XXXX, to have them fix the issue. Here 's the crux of my complaint. A bank can not charge your account twice for services it's already allowed to be taken from your account. I want my money back, and If this persist, I will file a civil suit against USBank corp.
Complaint sub-issue: Information belongs to someone else

On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, XXXX, and Equifax to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I decided I should send dispute letters instead to validate the debt in hopes it would be deleted with no issues. Unfortunately that was harder than expected, all 3 credit reporting agencies did not remove these items from my validation letter efforts. Discouraged I called all 3 agencies again to see what I could do, thy instructed me to again file FTC ID Theft reports. So between XXXX I filed FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.
Complaint sub-issue: Billing dispute for services

I called XXXX in XX/XX/2017to let them know I am not a student at the school anymore the school continue charging the loan company. When I call the school no one in Finacial Aid is speaking to me. I did not graduated from the school I left and transfer to a accredited school
Complaint sub-issue: Information belongs to someone else

I have not used my credit since I purchase my home, due to the new mortgage payment. I decided to try a refinance of my home loan and found all of these accounts on my credit report and they aren't my accounts. I also had to list additional accounts on my comment section of the identity theft report, beacue it wouldn't allow me to upload, the additional accounts.
Complaint sub-issue: Deposits and withdrawals

I deposited {$210.00} cash in the ATM at the US Bank XXXX branch in XXXX XXXX. The machine had an error and was unable to process my deposit and printed an error receipt. Calling customer service and the branch was useless. The branch would redirect me to the XXXX ( XXXX ) which would tell me to call the branch. They are telling me 10 business days until I can access my funds. How can they take my money? I am overdrafted and bills are now past due. I 'm being charged late fees from my creditors and this negatively affects my credit score.
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, I have obtained my credit report and notice that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report, and I was not alerted to this information being authorized on my reports and I am demanding that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent, and they have negatively impacted my relationships with creditors and caused mental anxiety. I reached out to XXXX, XXXX, & Equifax about these matters on numerous occasions requesting TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. The only response I have receive from these agencies is this debt has been validated or verified and will remain on your consumer report with no documents or proof provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. according to my federally protected consumer rights under the Fair Debt Collection Practices Act and Federal Credit Reporting Act below is a list of laws that have been violated. 15 usc 1681 c 2. 15 usc 1681 b ( a ) ( 2 ). 15 usc 1681 a ( k ) asa ( iii ). 15 usc 1681 ( a ) ( 4 ). 15 usc 1692 d ( 1 ). 15 USC 6802 ( b ) ( 1 ).
Complaint sub-issue: Application denied

On Saturday XX/XX/2018 I went to Best Buy to pick up XXXX security cameras. While checking out the sales man asked if I would like to sign up for a Best Buy credit card and save 10 %. Since my purchase was approximately {$1600.00}, I agreed and submitted my application. With a credit score over 820 and no debt I didnt not think it was a problem until the salesman asked if I could speak to the credit agent on the phone. The agent confirmed my salary then informed me I was denied for the no fee credit card offer but that I did quality for the gold card which had an annual fee of {$59.00}. I advised the agent that I did not want the gold card but the card that gave 10 % back at time of initial purchase. I asked how it was possible that I could qualify for a more difficult card to get but be denied for a lesser card to which he had no response. I advised that this behavior was deceptive and predatory as his intent was to deny my application, which would negatively hit my credit report, unless I signed up for the card with the annual fee. As my credit is near perfect this is abusive, harrassing, aggressive and deceptive behavior. I used my XXXX XXXX card instead for the purchase. Please contact me for additional information in order to investigate.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX Bank XXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX of XXXX XXXX account XXXX account XXXX Equifax account XXXX XXXX XXXX  XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX FNB XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove
Complaint sub-issue: Trouble getting a working replacement card

I already tried contacting Square Cash To request a Cash Card and they refused to Send me a Replacement. 
I waited a week for a response, and they ended up telling me theyre unable to verify my Identity while they actually verifed my identity. 
I am a victim of Identity theft but When I ask for a replacement card They refused to even provide that to me in my new york address. 

Over and over I get a run around and now they refuse to even respond to my email. 
I am ready to file a Lawsuit due to Non compliant Issuance of a Cash Card.
Complaint sub-issue: Investigation took more than 30 days

Department of Education continues to increase payments on credit file. Currently enrolled in XXXX XXXX XXXX XXXX XXXX. Account is currently in Forbearance. Made several Attempts to resolve with company.
Complaint sub-issue: Reporting company used your report improperly

XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring XXXX XXXX to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXX XXXX  policy does not supersede FEDERAL LAW. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX {$16000.00} XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I Am an victim of identity Theft.
Complaint sub-issue: Card opened as result of identity theft or fraud

I submitted dispute letters to XXXX, Equifax, and XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.
Complaint sub-issue: Investigation took more than 30 days

I had submitted a disrupt two acount that I didnt recognize on my credit report with a company that I had hired XXXX XXXX XXXX in disprove the issue XXXX 2020 And they didnt respond to the dispute and I also have accounts that was deleted from XXXX XXXX and XXXX  that Equifax did update and the credit file number that Im a reference it to in the pictures that Im taking his full credit, XXXX XXXX file number # XXXX
Complaint sub-issue: Debt was result of identity theft

My identity has been jeopardized because someone stole purse and I reported this issue to the credit bureau and now this is showing up
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # 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: Account status incorrect

Since last year I am trying to correct and delete this repossesion from XXXX XXXX Because is to many inaccuracies been reported by Equifax and XXXX XXXX XXXX XXXX report a balance of XXXX then in a second letter they are reporting to equifax and XXXX another differnt balance of XXXX and the problem is that if this a charge off both XXXX and Equifax must report a XXXX balance. XXXX XXXX is reporting this same account as charge off with a XXXX Balance
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I was given a {$300.00}. VISA gift card on XX/XX/2020 from my grandmother which was bought from XXXX 's on XX/XX/2020. I attempted to use the card 11 days later at XXXX 's, and there was only {$1.00} left on it. I immediately called " cardholder services '' the number on the back of the VISA gift card and was instructed to send in numerous documents including front and back of gift card, front and back of my driver 's license and the gift card receipt. I told them that my grandmother did not have the original receipt any longer and they said to obtain a copy of the receipt from the store where it was bought. My grandmother went to XXXX 's, was given a phone number to call by the store manager, and was emailed a copy of the receipt from XXXX XXXX, Manager, Retail Support Services Ralphs/XXXX XXXX XXXX/XXXX, which was also provided. As of XX/XX/2020, " cardholder services '' claims the receipt I provided is not valid as they can not find it in " XXXX look up system ''. I don't know what that means, but it is a valid receipt. They are using this excuse not to reimburse my gift card, which was depleted fraudulently by an unknown source. I have spend $ XXXX faxing documentation to " '' cardholder services '', have called repeatedly ( no one calls me ). To me, this is a scam not to reimburse me for a stolen gift card, when I have provided all necessary documentation and proof of purchase of the gift card, which is supposedly the only reason they are not reimbursing me now.
Complaint sub-issue: Attempted to collect wrong amount

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX saying i owe to separate collection charges of {$50.00} on XX/XX/2013. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like these 2 derogatory marks off my credit as soon as possible due to the fact they have the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

My equifax credit report date of XX/XX/2021, located in the equifax credit report " REVOLVING ACCOUNT SECTION '' has not updated for several months. The reported balances and credit utilization percentages are incorrect in this section of the report. This can have an adverse impact on my credit score. Please have equifax update the " revolving account section '' to reflect actual balances in other sections of this same report. 
I have talked to several different customer service reps. who have done no changes over the months. i dont know what else to do. please help me to correct this problem. Thanks.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
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 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
Complaint sub-issue: Investigation took more than 30 days

Its been 8 months since i filled this complaint Below and Exquifax did not respone or fix problem the problem. 

.I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. Showing late on theses dates 1. XXXX XXXXXXXX XXXX Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX3.XXXX  XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 5. XXXX   XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

My Name is XXXX XXXX, DOB XXXX XX/XX/XXXX ) In XXXX of XXXX I made a call to XXXX XXXX  to make a payment on a collection account, I also asked XXXX XXXX  for a pay off letter because i need this removed from my Credit report However they failed to do so.. And I am still struggling to get this account removed from my report which is affecting my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received it.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regard to the incorrect information on my credit report, it has been well over 30 days and i haven't received any investigation results.