Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

Hi, I was enrolled in auto debit for both my loans with Sallie Mae. I setup payments to be withdrawn on the XXXX of every month. The first auto payment for both loans was set to be auto debited on XX/XX/2020 ; however it was not. I checked the website and it said that I was enrolled. 

After that, I was charged a {$20.00} fee and approximately {$55.00} in additional interest. Furthermore, my stepdad a cosigner, was notified as if I was delinquent. 

When I called to have the fees reversed, the first agent I spoke with disconnected me after being on hold for 30 mins. The second agent seemed incapable of understanding this issue. Furthermore, she would put me on hold for 10-15 minutes to investigate an issue that I could see just by logging in. 

I repeatedly asked if she could refund the additional interest and the {$20.00} fee and she had difficulties even locating the transactions ( should be at the top of her report as they are recent ). When I expressed my lack of confidence in her ability to resolve my issue, she stated that she would transfer me to another department. During the transfer she initiated, I was disconnected again. This after being on the phone for over an hour. 

The agent 's identification number is : XXXX And while I listed just one agent ( the last one I spoke with ), both the agents I spoke with on XX/XX/2020 were incompetent. I spent approximately 1.5 hours trying to get this resolved and nothing seems to have happened. I'm sure Sallie Mae has a record of the first agent. 

The agent continually stated that the payment wasn't processed due to insufficient funds ; however, I can not only prove that I had sufficient funds on XX/XX/2020, I can also prove that no overdraft fee was charged to my account on XX/XX/2020 which would've happened had the charge been processed and I did not have sufficient funds. The system did not attempt to process the transaction. 

I would like to have all additional interest and fees associated with Sallie Mae 's failure to process my auto debit refunded. Approximately {$72.00}. 


{$20.00} fee on XX/XX/2020 ~ {$12.00} additional interest on XX/XX/2020 ~ {$40.00} additional interest on XX/XX/2020 Best, XXXX
Complaint sub-issue: Account information incorrect

I recently reviewed my credit report and noticed the following inaccurate fraudulent information that are negatively affecting my good character and reputation ACCOUNT NAME : XXXX XXXX All Three listed below have inaccurate information OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE
Complaint sub-issue: Information belongs to someone else

I sent this agency a notarized, certified letter with return receipt about inaccurate, erroneous, and fraudulent accounts on my consumer report. I supplied valid proof of inaccuracies and fraudulent accounts and This agency has failed to act or update my account as in dispute. I provided proof that XXXX XXXX bank violated my federally protected consumer rights and committed identity theft against me. XXXX XXXX shared my personal information with XXXX without my consent. No consent is identity theft! On my consumer report there is an inquiry from XXXX which I did not approve or consent to and again no consent is identity theft. I have no contract with XXXX nor have I had any communication with them. I understand I am a consumer protected by federal law. By this agency reporting this information they are committing identity theft as well. It is to my understanding that all accounts deemed as identity theft be deleted from a consumer report.
Complaint sub-issue: Information belongs to someone else

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. Also, It could also be possible you are mixing up these accounts with someone that has a similar name as me. The accounts are not mine, and I would like them immediately deleted.
Complaint sub-issue: Deposits and withdrawals

I deposited a check for XXXX and it is not any type of special check and the bank is holding it until the XX/XX/XXXX and I deposited it yesterday. The person I got the check from said it will be cleared today or Friday the latest, so my question is why is the bank holding it until next Thursday? Can you assist me. thank you
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXXXXXX 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 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: Reporting company used your report improperly

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All inquiries from XX/XX/XXXX and XX/XX/XXXX from both Equifax and XXXX I disputed several times with both that they were unauthorized
Complaint sub-issue: Account status incorrect

On My credit report show a few accounts closed and in delinquency. 

Student loans accounts are in a payment plan, how ever this accounts are showing late and that needs attention on a make a payment. 

All my student loans are out of defaults. 

thanks,
Complaint sub-issue: Their investigation did not fix an error on your report

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 sent letters to Equifax Credit Bureau but to my surprise, I did not receive anything back as a response. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : Account : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$36000.00} Employer : 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: Other problem getting your report or credit score

Equifax continues to say they do not have a credit record for myself, which is impacting my ability to lease an apartment/ buy a house, which deeply impacts my quality of life. XXXX XXXX and XXXX both have complete credit reports on me. 

XX/XX/XXXX I was informed my data was part of a data breach. I called Equifax to freeze my account. At this time XXXX at Equifax informed me my information was not within their systems and to mail a cover letter, a copy of my drivers license, a copy of my social security card, and to request my account be frozen, update the information on life, and to receive my free credit report. 

XX/XX/XXXX I mailed Equifax ( XXXX XXXX XXXX, XXXX, GA XXXX ) with the information above. 

XX/XX/XXXX Equifax mailed me back saying they could not locate a credit file for me. 

XX/XX/XXXX I went to apply for an apartment and was denied. I called Equifax to confirm if they had since located my data. They confirmed they had not, and had never received credit information about me. I called my credit card company, XXXX, who verified every XXXX of the month they provide a statement to all three credit bureaus, which included Equifax. I called Equifax back, to inform them I planned on filing with the US Government a complaint and taking the necessary legal actions.
Complaint sub-issue: Problem with fees

I had a Citi credit card, and I was charged {$450.00}  annual fee. I called to ask to waive it, and I was told I ca n't. 
I asked if I cancel will they refund the money prorated based on days left, they said yes. So I went ahead and canceled. 
I did not receive a credit and they are saying the card is not eligible for a credit. I canceled 10 months of the cc based on getting a refund not for no reason.

Below is their final answer on XXXX XXXX Dear XXXX, Thank you for your further inquiry. 

As mentioned in our prior messages to you, your XXXX XXXX World MasterCard Elite Executive card account ending in XXXX is not eligible to receive a full or partial credit of the Annual Membership Fee. This fee is non-refundable for this account. 

We regret any inconvenience you may have experienced. We strive to be the best in the business and feedback like yours helps us to improve our service. We will make every effort to serve your future needs in a manner more consistent with your expectations and our standards. 

We hope this matter has been clarified and we now consider this resolved. Please note that we will be unable to reply back to further inquiries regarding this specific issue. However, if you have any other outstanding issues, we 'd be happy to help you with those. 

While we are unable to accommodate your request, we appreciate the opportunity to explain our position. 

XXXX, Sr. Account Supervisor.
Complaint sub-issue: Debt was result of identity theft

I am having them contacted by XXXX XXXX XXXX because it has been over seven years and the debt should be closed and rehashed to keep up with me and stalk me. The dollar amount is XXXX.
Complaint sub-issue: Account status incorrect

In accordance to 15 usc 1692 cc2 I have invoked my creditor status and notified XXXX, lexisnexis, XXXX, and XXXX  that I am creditor over all accounts in the name of XXXX XXXX are to be replaced as paid as agreed never late for all negative accounts. 15 usc 1681b permissible purposes the reporting agency must place or remove what ever the consumer request and has not changed the creditor score to that of a creditor as requested nor has the master or full file requested been received. 28 usc 3304 prevents the transferring of a debt after creation and once sold the debt is no longer to a third party without a contract. So all debt collectors are fraud without contract with consumer.
Complaint sub-issue: Frequent or repeated calls

In XXXX, 2015, I purchased items from Conn 's. My credit report indicates that the original amount owed was {$2300.00} ( current balance is {$1500.00} ). From the beginning, the contract was deceptive. Unbeknownst to me, Conn 's added fees for furniture protection. I never authorized this and when I addressed it with the company after finding it on my contract, they stated that it 's a fee that is automatically added and that they do n't have to inform the customer - WRONG! I told the rep that I had Renter 's Insurance that covered all items in the home. I was told a refund would be issued and after also complaining about this to the store manager where I purchased my items, he informed me that he would also issue a refund for the inconvenience. To this day, I am still waiting.
In the meantime, I became very ill and treatments took up my time and income. I fell behind on my payments and Conn 's called relentlessly multiple times per day, from different phone numbers, calling me and my husband. When a rep finally reached my husband, she was abusive and threatening. She said she would sue us for not paying the bill and further indicated that we had no right to keep the furniture if we ca n't pay for it. At that point, we were absolutely done with Conn 's and we told them to come and pick up all of the items and credit our account. This was several months ago, and we are still waiting for someone to pick up the items.
In the meantime, Conn 's Charged Off this account and sent it to collections. This has further damaged my credit. Collections are now pursuing me and I have given them the same scenario, as I am giving you. This company is fraudulent and in violation of the UDAAP and FDCPA. The Texas Attorney General has lodged a lawsuit against this company and consumer complaints continue to mount. I am on the verge of filing a lawsuit myself, if this is not rectified accordingly.
Complaint sub-issue: Threatened to sue you for very old debt

The debt originated in XXXX, I fell behind on payments and it was sold to a third party. The third party is XXXX XXXX XXXX. This company drafted {$1800.00} dollars in XXXX XXXX and then told me that they would no longer draft my account. I received a summons from their attorney on Tuesday XX/XX/XXXX it said that the amount due to was {$1.00}, XXXX and I had 10 days to respond. The letter is as stamped by the post office on XX/XX/XXXX, but didnt reach me until 5 days later. The next day I went to the court house to file my response and I discovered at this time that {$160.00} was taken from my account because thats all the had at the moment. The proceedings to levy my account started just 1 day after receiving the summons without allowing me to respond. The next draft on XX/XX/XXXX will not only wipe out my entire account but I will be negative. There has been no activity regarding this debt since XXXX, and Nebraska statue of limitations on debt is 5 years. When I received the summons no information was provided other than the amount, nothing was disclosed to me. I do not understand how my account can be drafted without giving me the opportunity to file my response and how can they legally collect in a debt that is past the statue of limitation? The County court has given me a court date to present my response, so obviously this company started the draft without a court order Please help
Complaint sub-issue: Account status incorrect

XXXX, Equifax and XXXX have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX OF XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Debt is not yours

Debt was discharged due to switch over to new family plan around the end of XXXX to the beginning of XXXX. XXXX stuck me with a bill of XXXX dollars plus and extra XXXX dollar bill for interest, and other rate hikes, but the XXXX dollars is not mine nor is the XXXX to whatever it is. I been a victim of fraud I am a protected veteran and servicemember.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi I sent equifax a XXXX form and online disputed about my hard inquire that I do not have no knowledge of. And they did not prove it was me and did not show that it was me. I want to see what they verified. They wrote me a letter what is that telling me nothing. I want to see the proof myself.
Complaint sub-issue: Information is missing that should be on the report

On my equifax, XXXX, AND Experian credit reports, it does not show all of my open credit card accounts. On my equifax, XXXX, AND XXXX credit reports, it only it should show XXXX open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX credit card XXXX XXXX bank credit card my XXXX credit card account when it should show XXXX open accounts total XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX credit card XXXX XXXX bank credit card
Complaint sub-issue: Debt was paid

Hi, Ally Financial has been calling me to say Im in the process of repossession for my car because Im behind 4 payments. I have receipts and tracking number for my payments from the month of XX/XX/XXXX-XX/XX/XXXX. As I am on the phone with the rep, they are saying Im behind since XX/XX/XXXX and Im catching up on whatever is late. I asked them can they verify the exact dates which ones are missed, they cant seem to give me the information. Instead the rep gets upset and ask if I can make {$1400.00} today. I hung up the phone and called another rep to see if they can help me. The second rep told me I owe {$2400.00} and that I was behind on whatever delinquent. Still no specific dates according to them that I missed. I will not make any payments until I find out what is missing and wheres my payments going to since I been mailing them through money order and express mail. I became frustrated because I felt like every rep I spoke to didnt want to help me, so I hung up the phone. Please help me out.
Complaint sub-issue: Information belongs to someone else

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : 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: Didn't receive notice of right to dispute

I called IC System at XXXX about my account and requested a written debt validation letter from them two different times and while on the phone both people told me they do not have to do that and they refused to send me one. I need that asap and they will not work with me. They were extremely rude and would not listen to me when I explained that this was not my debt and by law they are required to send me a written debt validation letter. Then they hung up on me.
Complaint sub-issue: Debt is not yours

MS Services LLC is reporting a debt that is not mine due to identity theft. I have sent a letter of validation to MS Services LLC with no response. MS Services is in violation of the Fair Debt Reporting Laws and the Fair Debt Collection Laws.
Complaint sub-issue: Information belongs to someone else

I have sent letters to all three XXXX, XXXX, and Equifax about having fraudulent names and addresses on my credit report. I've called several times and they say they can't remove these addresses and names that are not mine and that is causing fraud on my report. By FDCPA, they are required to make sure my credit report is 100 % accurate and it is not.
Complaint sub-issue: Investigation took more than 30 days

THESE ACCOUNTS LISTED ON MY CREDIT REPORT WAS OPEN WITHOUT MY CONSENT AND STOPPING ME FROM BUYING A HOME FOR THE FIRST TIME
Complaint sub-issue: Debt is not yours

I have submitted this notice to the company via certified mail and haven't received a response in reference to this, this not my debt and is ruining my credit I also sent a copy to the credit bureau and they have not provided proof of this reporting XX/XX/18 Recovery One XXXX XXXX XXXX XXXX, OH XXXX XXXX : Collection Account : XXXX amount {$2300.00} To Whom It May Concern, I am sending this letter to you in response to a collection notice I received on my experian credit report Be advised, this is not a refusal to pay, but validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

Regards, XXXX XXXX