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

I have had XXXX private student loans with Sallie Mae since XXXX. These loans were reportedly, by Sallie Mae, paid on time, until late XXXX. Payments of {$50.00} a week were sent, which more than covered the agreed amount due each month. 

For 6 years, Sallie Mae only applied the exact amount due each month to the loans, and placed the residual funds in some sort of overpayment account. The loans, for some reason, started to turn up past due, and I discovered that more than five thousand dollars were sitting with their company and not applied to my loans. I was charged interest on a higher principal amount than I should have had. Their company promised that the payments would be corrected, but only after mailing a notorized letter to their company. The excess funds have been applied, after much time spent working with the company to fix the issue, but the problem still persists with my payments showing up as past due. 

I now would like to pay these loans in full, which Sallie Mae requires contact by phone to receive a payoff quote. I have tried to call for 3 consecutive days, and have been on hold for over 4 hours, and I have still not been able to speak to anyone with their company so I may pay these loans off.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2022 XXXX XXXX please remove fraudulent/ unauthorized inquiry on my report or provide proof in writing within 30 days.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, I applied for a Pay As You Earn Loan/Teacher Sloan Forgiveness and was approved ; therefore, my payment on my account was {$0.00}. I was told that my loan would be forgiven if I worked for a Title I school for 5 years in CA. In XX/XX/XXXX Dept. Of Ed/Nelnet reported to the credit reporting agencies I was 130 days past due, which is inaccurate. I called them and they said that my loan expired and so they sent my information to the credit bureaus without notifying me that it needed to be renewed. It is unlawful to report false information to the credit bureaus. They never contacted me and when I spoke with them on the phone, the CSR confirmed that my payments should be at {$0.00} for the loan I have.
Complaint sub-issue: Information belongs to someone else

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXX XXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate report.
Complaint sub-issue: Billing dispute for services

i took out a loan against my house with citifinancial and it was closed on XX/XX/2320 and then it was sent to XXXX XXXX XXXX and that account was closed on XX/XX/2015 and then it was sold to XXXX  and i sent you a complaint on them to get it taken off my credit report cause it was paid in full and its still on my credit report as closed and its been 4 yrs now and i would like these companies taken off my credit report and also need to send it to XXXX
Complaint sub-issue: Problem getting report or credit score

I have been in contact with Equifax for the past 2 weeks in regards to accessing my credit report. My bank, as well as myself am unable to pull the Equifax file and I am also unable to access my personal credit report through my paid monitoring service. I was informed that it is due to too many soft inquiries and was informed " nothing could be done ''. This is completely unacceptable. I need these soft inquiries purged in order to be able to access my report. Please help!
Complaint sub-issue: Reinserted previously deleted info

This was already deleted from exquifax, with your help. Today is appears it has resurfaced to my equifax report and this is inaccurate. I have contacted XXXX again in the XXXX dept and spoke with " XXXX '' to have this removed but this seems to keep re-appearing? please make sure this account is deleted from all XXXX credit bureaus ( right now is appears as foreclosure on equifax ) I was also never late with this account as I was in a loan modification and the company refused my payment. -- HOW CAN I BE LATE?? 
Thank you
Complaint sub-issue: Threatened to take legal action

This company " ERC Collections '' has been harassing me in regards to some type of debt. When I originally tried calling back the experience would vary depending upon the phone number they called from. In most cases the phone just rang and rang or the phone would disconnect. Therefore, I wrote them off as just another group of scammers. However, now these people are calling me at WORK ... ..ALL DAY/EVERY DAY including calls to Human Resources and today they went directly to my boss. They told my boss " she has an outstanding debt but refuses to answer her phone ''. I am MORTIFIED ... .they ca n't do that can they??? In the past they have told HR that they have " papers to serve in a legal matter '' and that HR either has to " accept the served papers on my behalf or that HR will have to " force '' me to come to the front desk and be served. Last week my ex-husband, AND ex-mother in law received calls on my behalf and they stated it was a " legal '' matter. Please help!!!!!!!!!!!!!!
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX  3 ) XXXX  XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My personally identifying information was compromised in the Equifax hack. I have already set a 90 day fraud alert.
Complaint sub-issue: Funds not handled or disbursed as instructed

This situation on XX/XX/2019 involves XXXX XXXX bank loan intake and customer banker discussing a couples accounts that had been compromised in some way in an open lobby. No privacy and there was approximately 15 to 20 customers in the lobby waiting to be helped or were being helped. XXXX needed to contact another department of the bank and with a voice that carries clearly articulated the customers full account number, full name and spelled the customers last name. This is clearly a breach of privacy and with many people on their phones while waiting there is no way to know who heard him or what others took away from that conversation. When addressed with manager on XX/XX/2019 the manager brushed it off saying the lobby was an open setting and that was how they did business. Manager 's name is XXXX.
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern : I recently received a copy of my XXXX Equifax or XXXX XXXX credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX XXXXXXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,
Complaint sub-issue: Information belongs to someone else

Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit bureaus have not provided me with method of verification for late payments and has refused to mark my XXXX accounts disputed by consumer. I have asked for this information in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2021.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2019 I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XX/XX/2019 I received updates from XXXX and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fradulent Accounts would be removed. On XX/XX/2019 I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the accounts when XXXX and XXXX   stated that the accounts were REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the accounts were Fraudlently opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

Factortruct, Inc is on my credit report I don't know what this is I never apply for anything at this company. Factortruct, Inc on my credit report can you please remove them. Starting with date XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is effecting my score they are hard hit item that I have no knowledge of. please can you remove them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE 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 XXXXXXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem with rewards from credit card

Citi Bank has stated that rewards on their Citi Double Cash Card ( accrual of 1 % rewards for usage and 1 % for payments made to card ) accrues 1 % for all payments made to card. There exists the ability to redeem rewards for statement credit ( which is a payment on the card ) but they sneakily don't accrue 1 % rewards even though it satisfies the 1 % payment action. A cardholder could instead redeem rewards for a direct deposit of $ and then use that $ from their account to pay the card and that would accrue 1 % rewards for a payment to the card. Historically, Citi Bank rep said it did count to accrue points when redeeming for statement credit via phone call to customer service rep. Citi now states all along it has not resulted in accrual of rewards for making a payment on the card via rewards redemption but would count if using the workaround via direct deposit then payment from account. This clearly mislead the consumer and directly results in a negative impact to the consumer 's financial wellbeing, which violates Citi Bank 's fiduciary responsibility to be transparent ( no materials nor warnings were ever provided to consumer ) and creates opportunity for Citi Bank to gain while the consumer loses when using a logical payment strategy of rewards redemption via statement credit versus direct deposit method. I have contact Citi Bank and they aren't compelled to make any adjustment formally despite placating me by saying they agree that's wrong.
Complaint sub-issue: Reporting company used your report improperly

I was informed by Equifax on XX/XX/2022 that account number XXXX with XXXXXXXX XXXX  was no longer reporting on my credit report. 

I have now realized that this same item was REINSERTED onto my credit report! 

In accordance with the Requirements of the FCRA section 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such of Notification, this is a serious violation of the FCRA, and I know I have the right to pursue legal action for this clear violation of the FCRA!
Complaint sub-issue: Having problems with customer service

I refinanced a student loan and the amount paid to the old lender I used was more than the balance I owed. I called and ask about a refund and was told that I would receive a check. Two weeks later I called and no check had been issued but they promised that it would be made the following Monday and mailed to me. I asked why it took so long for them to issue a refund and could not get a response from the customer service person or the supervisor.
Complaint sub-issue: Information belongs to someone else

I have never agreed paying this company I never applied credit with them this goes against the FDCPA
Complaint sub-issue: Personal information incorrect

I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Account status incorrect

I have contacted Equifax numerous times to remove and or correct inaccurate information on my credit report. I am a victim of identity theft and this is defamation to my character as a business owner and consumer.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/XXXX I went to make a purchase at Macys In XXXX Florida with a {$200.00} Macys gift card, that was purchased 3 years ago and was told it had expired XXXX XXXX. Gift card had no expiration date on the back. After 2 hrs of trying to resolve the problem with corporate, I explained that in the state of Florida that a Law was passed in XXXX stating that gift cards have no expiration date. This issue is at a high level considering how many consumers are being gouged. XXXX needs to be held accountable for their lack of fair trade. Someone paid them in good faith XXXX dollars and they give the customer nothing. It sickens me to think how a large cooperation can steal from the consumers this way.
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX, XXXX, XXXX ETC.. ARE SHARING MIS INFO ABOUT ME AND PULLING INQUIRES. ALSO, REPORTING NEGATIVE INFO FROM OTHER BUREAUS.
Complaint sub-issue: Problem accessing account

I opened my checking account at Bancorp south on XX/XX/XXXX with XXXX XXXX at XXXX XXXX branch in Texas. Since that day I been trying to enroll in the online banking and the system always give error. I tried to contact several times to the representative who opened my account and she is not helping or fixing this issue.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

There is one account on my credit that is not mine I need this off my credit report since it does not belong to me in any shape or form I have not applied signed or used an account like this. 

XXXX/XXXX - XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/, CREDIT PLUS add a hard inquiries on my credit reports per XX/XX/XXXX and XX/XX/XXXX 
On XX/XX/XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX. 
On XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX 
Please laminate hard inquiry efforts, remove and notify all credit bureaus such as XX/XX/XXXXand XX/XX/XXXX to delete an account immediately. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Investigation took more than 30 days

I am a victim of Identity theft. I contacted all 3 bureaus as well as the credit company and I provided each of them with the credit reports with the circled fraudulent information. A copy of the police report. A copy of the letter from the Medical office who wrote me to alert me that my personal information, as well as my identity, had been compromised. I also provided a copy of my current driver 's license as well as my social security card. I have written the agencies 3 xs and have not gotten any relief or support.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem to be fixed ASAP. I will not wait another 60 days to receive no response because clearly you all ignored me. I demand these accounts be deleted immediately or I will file for a litigation due to the XXXX you caused me. Section611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly.
Complaint sub-issue: Was not notified of investigation status or results

I have requested that Equifax do an investigation with my inquiries, I even submitted an FTC report which only allowed me to add 5 accounts to the report. I have advised Equifax of this and they state they would put all inquires on file in dispute. I have not heard nothing back from Equifax and it has been over 30 days.

Additionally, they have removed some of the hard inquires, but left 11 on my credit report which are considered fraudulent inquires. No communication has been received from this credit bureau which violates the law.

Please have those inquires removed ASAP.