Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overdrafts and overdraft fees

I have been charged an excessive amount of over draft fees. 
My available balances have been enough to cover these transactions thag make my account go negative, but the bank is choosing how each pending transactions, authorization holds, or debit car transactions and deposits are processed. Causing over {$1000.00} in fees in one statement period and continuing. 
As a small business sooner, they're taking advantage of me and constantly putting me into negative when my available balance reflects all held or pending transactions and would be sufficient for the additional transactions made, until they start re arranging the order transactions and deposits post
Complaint sub-issue: Overdrafts and overdraft fees

PNC BANK ALLOW IDENTIFY DEBT TO HAPPEN I LOST A TOTAL OF {$350.00} IM REPORTING XXXX XXXX FOR THREATING TO CALL POLICE ON ME WHEN I COMPLAINED ABOUT MY FUNDS ... THEY ALLOWED INDENTY THEFT PLUS THEN DIDNT REFUND. IM XXXX AND I RECEIVE XXXX WHICH I OPEN IN XX/XX/XXXXA TOTAL OF XXXX WAS STOLEN IN INCREMENTS OF {$850.00} every XXXX XXXX of the month since XX/XX/XXXX ... my name is XXXX XXXX XXXX my cell # XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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 rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Account information incorrect

XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on Equifax. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.
Complaint sub-issue: Trouble with how payments are being handled

I have dealt with Fedloan services multiple times about this issue, including with numerous officers that are in charge of calculating monthly payments. I transferred my loan from XXXX to Fedloan about a year ago, and shortly thereafter my monthly payment more than doubled in amount, increased by over 100 %, it went from about {$130.00} to almost XXXX. This was unexpected, unfathomable and unmanageable for a single mom with tremendous debts as it is.Trying to deal with the company has been draining, first they were giving me excuses and calculations that made no sense and that had absolutely no justification for the increase, they couldnt name any numbers of my income or from my recertification that justify such a tremendous jump, and finally this XXXX I spoke to the last recertification officer who informed me that there must be some issue because the numbers used to recertify my loan monthly payment amount where identical from the previous year. He indicated that there isnt a calculable reason in their records that explains the more than doubled monthly payment, he promised that someone would either fix the issue or contact me and explain what happened, this was about the sixth time I talked to them, since then even though he assured me it would be fixed or explained I have heard nothing. Ive written them a letter and gave them a time to answer and they have ignored it. I want my payment back to {$130.00}, its unfair I shouldve been able to make my payments for the last 6 months - bringing me closer to my 120 payments of my loan forgiveness but instead Im stuck because they more than doubled my payment without reason or justification, and I was forced to go into forbearance because I couldnt afford such a large unexpected payment.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I informed The consumer reporting agencies, XXXX, XXXX, and Equifax of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.
Complaint sub-issue: Investigation took more than 30 days

Haven't receive any response from them. It has been over 30 days. this is causing me lots of stress.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022, I sent a letter to Equifax about unauthorized inquiries & accounts on my credit report with proper identification. 
After speaking with a representative by phone I was instructed to send an FTC Report with my letter and identification in order for them to be removed. 
XX/XX/2022, I sent another dispute letter with an FTC report about the existing unauthorized inquiries that were still present on my credit report. 
In XXXX of XXXX, I spoke to another representative and was instructed to insured that the inquiries were listed in the " Accounts Affected '' column of the FTC Report to have them removed. 
On XX/XX/XXXX, I sent an updated FTC Report, proper identification, a letter instructing Equifax to remove these unauthorized inquiries from my report, and their duties as a consumer reporting agency under 15 USC 1681 and they still have not done so. Equifax has stated that the information has came back as verified but not given exact information or communication that was given to prove it was actually verified. They have had a history of not really reinvestigating the information furnished on reports after being disputed and I am suspecting fraudulent activities on their behalf.
Complaint sub-issue: Other problem

My Discover credit card has been a dormant account for years. However starting XX/XX/XXXX there were two {$4.00} charges for a magazine subscription. The autopay options was on, and payment method linked was a checking account, which has been closed. Since the checking account that supposed to pay the balance was closed. The bill of {$4.00} was not paid. 

However, DiscoverCard didn't send me any notification or alerts, which indicating the bill was not paid, account information expired or what so ever. 

On XX/XX/XXXX, DiscoverCard sent the first email saying two payments have been missed. This is the first time I have realized that the bill was not paid, which has been almost three months after Discover firstly identified the payment was not successful. 

By calling DIscoverCard to update my payment information, I have learnt the two missed payments have been reported by Discover to credit bureaus as late payment. 

I hereby demand DiscoverCard to reverse their late payment reports to credit bureaus, since there was no formal notifications or alerts from DiscoverCard prior to its report to credit agencies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  accounts 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. States a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem lowering your monthly payments

My Student Loan Servicer XXXX XXXX has obtained my loans from XXXX XXXX with a consolidation option I have been with XXXX XXXX for 5 years. My loan amounts exceed what I originally borrowed the amounts continue to increase. I am not in default I have repeatedly asked to have my payments lowered but have struggled to pay. I have been certified for the loan forgiveness program through my employer they only credited me XXXX qualifying payments I need a total of 120. I have been with my employer since XXXX. I have made more qualifying payments than what they are reporting. My current loan balance is {$180000.00}. I need help.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I purchased 120 XXXX Gift Cards at {$100.00} each. I received only 117 Gift Cards and the company keeps creating obstacles to replace the three missing cards. They are telling me to audit each card number which I did and they still will not replace the cards. I have already distributed the cards that I have and want the three missing cards sent expedited.
Complaint sub-issue: Problem with statement of dispute

I filed a dispute to have an old XXXX XXXX Credit Card Removed from my Equifax credit report that was past the Statute of Limitations reporting period. 
This account was previously reported as closed by Equifax with the last date reported by XXXX of XX/XX/XXXX. No information updated or received after XXXX/XXXX/XXXX, account closed in XX/XX/XXXX, last activity in XX/XX/XXXX. 
Dispute verified received by Equifax on XX/XX/XXXX. Second notice that Equifax was investigating dispute received XXXX/XXXX/XXXX. 
I received notice that my Equifax account status had changed from a third party credit monitoring service, XXXX on XXXX/XXXX/XXXX. 
Checked with credit monitoring service and saw that Equifax had changed status of XXXX account from closed in XX/XX/XXXX to currently " Open '', " Past Due '', and " Sent to Collection '', which greatly impacted my credit score causing severe damage to my credit. 
I spent over 90 minutes on XXXX/XXXX/XXXX waiting for a live person to speak to at Equifax and the representative verified that there had been no investigation results to justify the change in account status, and that there had been no new information received from the creditor since the last date of XXXX/XXXX/XXXX ( Note that the date of last reported by XXXX XXXX changed from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX between the XXXX Equifax report dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) when the account was reported as " closed ''. 
I filed an identical dispute with XXXX XXXX for this same XXXX XXXX account on XXXX/XXXX/XXXX requesting that this account be deleted from my XXXX XXXX Credit File due to the reporting period Statute of limitations having tolled and XXXX XXXX promptly confirmed that the account had been closed for more than seven years with no activity and deleted the XXXX account as requested on XXXX/XXXX/XXXX. 
How can Equifax respond to an identical dispute to remove an account that has been reported as closed by all three credit reporting agencies for so long that it should be deleted, by changing the account status to " Open '', " Past Due '' and " Sent to Collections '' while reporting the account as under investigation? They have also arbitrarily re-aged the account as having a last reported date of activity as XXXX XXXX with no new data from the creditor ( still reporting the file as having the last update from XXXX XXXX in XXXX, XXXX ).
Complaint sub-issue: Investigation took more than 30 days

I just filed a complaint with equifax and they said they need 60 more days to research but they said completed their research. They received the letter XX/XX/21 that is over the 30 day day period. Per the fair credit reporting agency the research should not take more than 30 days. There research should be done. They are stalling. They are not properly researching they are keeping items on my credit report without proper research. The research should be completed in 60 days because of COVID. They should not get an additional 60 days. I asked them to provide the information of where they got the information per the fair credit reporting act and they never send it they have no regard for the statue. They have bankruptcy on my report they said they got from XXXX but it is not on XXXX  report. 

They keep saying they get their public records from XXXX and the bankruptcy they have on my report is not on XXXX consumer report. I attached my XXXX report from XX/XX/21 and XX/XX/21 to show it is not on my report. They are breaking fair credit reporting act. They should not get 60 mores days which means they will have 120 days of research time. They are stalling while continuing to negativity affect my credit report. They should only gave one more week which makes the tome 60days. I attached letters and reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had fraud alert on my three credit reports however somebody was still able to get up to 45 inquiries on my equifax I wrote and disputed it and told them it was fraud the other agencies helped me and removed them however equifax argued with me transferred me four times and then the manager hung up on me ultimately which was discouraging In addition I have uploaded the FTC report they requested by their dispute portal as well as I faxed it over and mailed it certified Mail they still are not refusing to remove the inquiries I have been calling every other day
Complaint sub-issue: Account status incorrect

Student loan servicer XXXX, and credit bureau Equifax has reported 120 day late payments for XXXX, XXXX, and XXXX, XXXX when I have not had any late payments with XXXX since XXXX. XXXX is no longer the servicer of my student loans, and has NOT been since XXXX when XXXX took over as the Servicer for ALL loans from XXXX. The loans are reporting late with a {$0.00} balance. 

I have called XXXX several times, and they have told me that they are currently NOT the servicer of my loans, and they are NOT reporting for delinquent loans for XXXX. And to contact Equifax, because Equifax is doing the misreporting. 

I have called Equifax, and have disputed the incorrect late payments with Equifax, but they are stating XXXX is the one 's reporting this information inaccurately. I have spoken with several reps including Supervisors. The supervisor told me to send in documentation from XXXX confirming they are the current servicer of my loans, and that I have no late payments. Once I did, Equifax would not honor it. 

XXXX is the only servicer of my student loans, as evidenced with the department of Education. The late student loan payments reflecting in XXXX needs to be removed from my credit report, as they are false information. 

I am at the mercy of these 2 companies who refuse to help get this matter resolved. This is illegal, abusive, and an unfair practice that is causing detriment to my family, and myself. I am unable to get into a home with the negative inaccurate reporting which could lead to my family and I being homeless. Please help me resolve this issue.
Complaint sub-issue: Problem with personal statement of dispute

I was alerted by XXXX XXXX, XXXX and XXXX who monitor my credit on XX/XX/XXXX that Macys/Citibank NA was showing I was over 30 days past due for my XXXX payment. I have included what appeared on my online Macy 's account as well as XXXX emails indicating receipt of payment. 
My XXXX payment was due on XX/XX/XXXX. The balance was {$80.00} of which I returned {$24.00} for XXXX items on XXXX and another return for {$39.00} posted by Macys on XXXX. See statement from Macy 's ( Exhibit B ). I kept XXXX item costing {$16.00}. I made my payment for the balance due of {$16.00} on XX/XX/XXXX. 
Later in XXXX, I received my next bill indicating a {$29.00} late fee ( Exhibit C ). I contacted Customer Service and was told it was because I had not paid the minimum payment of {$29.00}. I explained I had not kept {$29.00} worth of goods and that I had paid the remaining balance for the XXXX item I kept in the amount of {$16.00} on XX/XX/XXXX. They did reverse the late fee however, they continued to state I was past due by {$12.00} ( {$29.00} late fee minus {$16.00} ) because I had not met their minimum payment of {$29.00}. I could not after several phone calls ever get anyone to acknowledge their error and I also was not going to pay for goods that I did not possess. 
Unfortunately, due to being on vacation in early XXXX, I forgot to make my payment on time ( XXXX time in years ) and as soon as I was alerted about this on XX/XX/XXXX, I immediately went online, paid the balance due, late charges and interest in the amount of {$100.00}. Of note, in this statement online they had a different amount showing past due which was the current late fee of {$25.00} ( Exhibit D ). They also stated I was now XXXX months past due. My payment was 6 days late as I had made my XXXX payment on time! 
It appears due to their error in not acknowledging my payment in full in XXXX, they reported me as not paying by the due date in XXXX by 30 days to XXXX and XXXX and by 60 days to XXXX. I WAS 6 DAYS LATE NOT OVER 30 DAYS LATE. I verbally asked them to correct this information on XX/XX/XXXX, however they sent a letter stating they would not do so ( Exhibit E ) dated XX/XX/XXXX. I then wrote to Macys/Citibank NA XXXX XX/XX/XXXX ( Exhibit F ) and detailed what had happened. They again would not correct their erroneous reporting to the XXXX agencies ( Exhibit G dated XX/XX/XXXX ). I asked in my letter to prove to me I had not made my payment in a timely manner in XXXX, however they did not do so. I closed my Macys/Citibank NA account on XX/XX/XXXX after being a cardholder since XX/XX/XXXX. There is a serious problem between what information is shared between Macys and Citibank. 
Their reporting has severely damaged my otherwise excellent credit score which was always over XXXX. I am including XXXX XXXX XXXX statement of my XXXX scores as well as XXXX 's score of XXXX on XX/XX/XXXX ( Exhibit H ). I also tried to dispute the erroneous information with XXXX and XXXX and in the end I was told that any changes would have to be made by Macys/Citibank NA .
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX Balance {$0.00} XXXX XXXX Balance {$3200.00} GROW XXXX XXXX Balance {$11000.00}
Complaint sub-issue: Debt is not yours

On Tuesday, XX/XX/2018 I received by postal mail a " final notification '' in an " attempt to clear a balance '' from " XXXX XXXX, '' XXXX, Florida on behalf of " XXXX XXXX XXXX XXXX '' suggesting that I pay them {>= $1,000,000}!!! This is clearly an attempt to initiate contact with the intent to defraud.
Complaint sub-issue: Information is not mine

I checked my credit report and I found information on a home loan that took place in XXXX when I was still in high school ; This information I was not aware of. Also, there was details about a car loan in XXXX that I was not aware of either.
Complaint sub-issue: Reporting company used your report improperly

PHEAA/AES continues to improperly report information based on their own internal policies while ignoring what the Consumer Laws dictate with respect to reporting information to the Credit Bureaus XXXX 

I have had conversations with PHEAA agents and when I explain to them that this behavior has the potential to generate fines against the agency, the PHEAA agents pretend to act like what I'm telling them is not correct and that their agency could never do anything like this ( WITHOUT INVESTIGATING MIND YOU ). Agents who I've spoken with over the phone most of the time sound as though they are completely new, incompetent, careless, eating while on the phone, having a bad day and taking it out on the consumer who just wants legitimate answers instead of 1st grade reading level answers, or even people who get upset when I ask why they're having a bad day. CFPB Reps, you should hear some of these agents on the phone. I'd be interested to know how many of them actually abuse controlled substances in the workplace. 

PHEAA has openly admitted multiple times to me that the payments that are made through their online portal ( with the use of a valid checking account ) would take 2 business days to process. When I ask them if they consider the payment paid on the date it was submitted, they claim no. When I ask them what would happen in the event that this action occurs right as the month ends, they admit to reporting inaccurate credit information, and that if they do and find that the payment was posted on the day it was submitted after their 2 day processing threshold, that they would reach out to the Credit Bureaus to fix the mistake. This means that they are violating the law. The agents who respond to this are also violating the law by allowing the reports made by consumers to go un-investigated as clearances require oaths. Financial Entities can not just misreport information to the Credit Bureaus because of their own policies that contradict statutes set forth by the US Government. 

Again, PHEAA acts like these complaints I make against them are ridiculous, as they've stated in the past. Unfortunately, these complaints are necessary to keep the company accountable. As of this complaint, the company still refuses to act appropriately when responding to complaints by failing to provide all information to every single aspect of a complaint. PHEAA selectively answers only some questions while completely ignoring others.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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