Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am currently serving in the XXXX XXXX XXXX, and was prior XXXX and XXXX XXXX XXXX totaling 15 year of service since XXXX. 
I enrolled in XXXX university for a XXXX XXXX in XXXX XXXX for three years XX/XX/XXXX-XX/XX/XXXX. 
During My attendance I was summoned to XX/XX/XXXX XXXX XXXX on temporary status which delayed my four year degre completion. 

I applied for student loan thru MOHELA after depleting my XX/XX/XXXX g.i. Bill, and I had one more class to finish. 
The school did not notify any of their students that they were shutting down as a result of accreditation loss and low student attendance. In fact, I found out thru the news in in the morning during my daily routine on XX/XX/XXXX. 

I informed the student loan lender. They wont be flexible to accepting very low payments despite my income hardship, and in the mean time Im waiting for student relief assistance program to help me discharge this loan which is a long term wait. 

The anomaly of this event that I never thought would happened to me as im Learning as I go in this process is that the student lender practices is unethical. 
The student remains unaware of the lenders security process to assure that the school is not going bankrupt, or if they are abiding by law and education standards state and nationwide. Thus endangering the students/customers economic well being as well as their credit. 
Hence, the customer has right to be informed of such potential risk if the school chooses not to inform the student.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Multiple disputes being denied by cashapp without any explanation even though I've showed proof that what I purchased was never delivered. 

Another issue is having refunds submitted but cashapp canceling the refund so it never reaches my account. This company does what it wants with other people money
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX.I was a victim of identity theft a few years ago.I have been trying, unsuccessfully to remove this account from my credit report .I uploaded all my docs and proof for you to see .so u can see some one open an account with XXXX XXXX  XXXX XXXX XX/XX/2019 over XXXX was done under my name with out my permission identity thieft I have try with XXXX and XXXX XXXX but XXXX XXXX  is not in charge of account Jefferson capital has it there a mix up on my credit report with XXXX it has XXXX XXXX  as current account holder but they dont have it no more Jefferson capital has but never reported this is weird I have excellent credit this is killing me please help
Complaint sub-issue: Account status incorrect

My Equifax Credit Report shows my account with XXXX XXXX being delinquent as recent as XX/XX/XXXX. I had a lease with the company from estimated XX/XX/XXXX timeframe until XX/XX/XXXX when I received orders to deploy overseas. It was a lease vehicle and I turned the vehicle back in. In XXXX/XXXX timeframe, I noticed that my credit score had gone down dramatically. I called XXXX XXXX and they told me that it was a mistake on their end. They received the vehicle and I no longer owed anything on it. The fix could take up to 45 days to be visible on my credit report. I called back again in the XX/XX/XXXX timeframe. We are now in XX/XX/XXXX and the delinquency is still on my credit report. I want it fixed and off my credit report.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Never recieved a statement..nor bill
Complaint sub-issue: Their investigation did not fix an error on your report

The inaccurate joint account from XXXX has been removed by Equifax from my husband 's file but is still on mine. Can you please remove. 
Thank you
Complaint sub-issue: Public record information inaccurate

On   XX/XX/XXXX   I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In   XX/XX/XXXX  , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact m y    commanding officer of my command  if i d id. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receive one in the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 XXXX added XXXX derogatory mark on my credit report per XXXX and Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA, XXXX has violated my rights as a consumer and XXXX requesting legal action to remove this account immediately.
Complaint sub-issue: Other problem getting your report or credit score

I had online accounts setup with Equifax, XXXX, XXXX, and XXXX to login and check my credit reports which I have not done for several years. I have a freeze on all these accounts. I tried to check the status of each of the XXXX with the online usernames and passwords we had setup. Today I found out than none of the logins I had established work now. None of these companies ever notified me that my login was XXXX. If I desire to make a large purchase and need to temporarily unfreeze the my accounts, I have no way to contact these companies because my logins are shot. I can find no way to write to the companies to correct these problems that they made. The only thing they offer for help is a phone number which leads to an endless que to waste my time with each XXXX of these outfits which I refuse to accept. THEY CAUSED THIS PROBLEM, YET I'M SUPPOSED TO WASTE UNKNOWN HOURS TO GET THIS FIXED. Why are their online security setups so messed up that they can not maintain a login online? This is unacceptable.
Complaint sub-issue: Other problem getting your report or credit score

Unable to access my account. Unable to reset password. Spent 45 minutes on hold. The representative would not verify my account. The information requested was directly form the credit card or bank account. Asked ridiculous questions about prior loans or balances that no one would be able to answer as they were so vague or open ended. Representative 's English was poor and almost unable to understand her. My data was reportedly involved in THEIR breach and then they treat me this way. Shameful.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and DSNB/Macys, XXXX XXXX XXXXXXXX XXXX, and XXXX. The Account Opened is DSNB/Macys  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

12 days ago I discovered that my Direct Express Debit Card had been hacked and every single penny was gone. I spent 2 hours on hold before I was finally able to speak to someone. The thieves stole over {$8600.00}! All the purchases were made in Washington D.C., Virginia and Maryland and we live in Texas. This money is for my XXXX XXXX granddaughter. It's her survivors benefits from the loss of her Mother in XXXX. I had saved the majority of her funds so that she will be financially stable when I am no longer on this earth to care for her. I have heard absolutely nothing from Direct Express. I called them again on XX/XX/XXXX and spent another 2 hours to just get a standard spiel from the person on the phone. I was under the impression that they only had 10 days to return the funds. Please help us to resolve this issue. I went to Social Security and her funds will now be deposited into a bank account. I have read so many horror stories about this company! Why does the government still use them! I rarely use this card so I know the number had to have been obtained through Direct Express.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Attempted to collect wrong amount

I opened an account with an attempt to build credit, i neer used the card yet the company states i used the amount due and currently owe a balance. i NEVER used the card.
Complaint sub-issue: Debt was paid

I turned in the equipment for XXXX XXXX to a technician that had come out to my house to install the new equipment to turn in to the company. The company said they never received the equipment. but said that I never owed them anything. Out of the blue I get a collection for XXXX put on my credit report from a company I 've never heard of ( I C Systems Inc ). When I called the company they still have no record of it but its hurting my ability to get a home loan.
Complaint sub-issue: Trouble with how payments are being handled

Mohela keeps placing my loan in forebearance although I specifically contacted them and told them not to. They are not applying interest hoping to capitalize my interest. They are also posting payments late.
Complaint sub-issue: Account information incorrect

I have an Ohio Dept of Human Services listed on my credit report does not reflect the current status. It is listed 2 times. The account is paid as agreed but my report is also reflecting a negative status of the same account. Please delete the negative so it will reflect the current status only of PAID AS AGREED.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/18 a XXXX XXXX XXXX XXXX in XXXX ran my credit report without my authorization, I was verbally told that the form I was submitting would not run a hard check on my credit until after I had seen the vehicle and decided to move forward. Looks like they ran it anyway. 

On the credit report it shows : XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX  and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below accounts you are reporting.Please fully validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. 

1. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$790.00} XXXX. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$3000.00} XXXX. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$1100.00} You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, ( XXXX XXXX )
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX , I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Complaint sub-issue: Having problems with customer service

I submitted an application for  XXXX  discharge with Nelnet. I have been calling them for the last 3 months, and nothing has moved on my application. I have been told that my application has been archived and has to be rebuilt. I do not believe this. I believe that  Nelnet  is purposely delaying my application because it has merit.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent multiple requests to have the negative items removed from my credit report. As of today I havent received a proper resolution and negative items are still showing. This situation has been impacting my finances in a negative way.
Complaint sub-issue: Frequent or repeated calls

Discover Financial services calls my work no. repeatedly during the day. This has been going on for over 3 months. The calls are from XXXX Here are some of the dates/times they call : XXXX XXXX, XXXX - Mon XX/XX/21 - XXXX, XXXX, XXXX - Tues XX/XX/21 - XXXX, XXXX, XXXX - Wed. 
XX/XX/21 - XXXX, XXXX, XXXX, - Thurs. 
XX/XX/21 - XXXX, XXXX, XXXX - Sat. 
XX/XX/21 - XXXX, XXXX, XXXX - Sun XX/XX/21 - XXXX, XXXX - Mon. 
XX/XX/21 - XXXX, XXXX, XXXX - Tue.
Complaint sub-issue: Delay in processing application

Discover is a card company who process application for applicant who are in need of credit. Discover is falsely advertising that they have millions of dollars to offer consumer ( s ) who qualify for instant credit. My complaint is against Discover card and the card company ' affiliates.
Complaint sub-issue: Investigation took more than 30 days

Contacted XXXX XXXX and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Complaint sub-issue: Not given enough info to verify debt

I am not sure what the debt is but it just keeps popping up on my report
Complaint sub-issue: Account information incorrect

I have a charge off on my credit report from XXXX XXXX XXXX XXXX FOR XXXX . I  have paid off through sarma online on XXXX XXXX,2017. I have called sarma and they state account with XXXX XXXX XXXX XXXX will be updated the XX/XX/XXXX, was not done. I called sarma again and they stated they will email XXXX XXXX letting them know I have paid off, called XXXX XXXX and they stated they are still waiting on Sarma. I am in the middle of purchasing a house and I am getting no where with these two companies. I have even faxed the receipt over to XXXX XXXX XXXX XXXX showing I have paid and still no updates on my account nor credit report. Last option.
Complaint sub-issue: Old information reappears or never goes away

Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( XXXX, Equifax and XXXX ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be XXXX XXXX with a score of XXXX, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at XXXX XXXX. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.
Complaint sub-issue: Information belongs to someone else

I have been informed student loan is on my credit report. I have not attend XXXX XXXX XXXX XXXX  XXXX University. I have visit the school to get student ID information, and any documents on file to confirm account belongs to me. There is no documents and have been confirmed there is no enrollment for me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, Equifax is not removing this negative item and it is harming my credit score. Therefore, I am filing a new complaint against Equifax because I have tried to fix this issue with them and they are still reporting this. I have attached an audio file from the bank to support the removal of this item.
Complaint sub-issue: Information is not mine

An apartment complex has sold a debt to XXXX XXXX in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and XXXX XXXX. Both equifax and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debit, and they will not provide me with this verification. The reporting agencies and XXXX XXXX refuse to remove the account from my report and my next step is legal action
Complaint sub-issue: Funds not received from closed account

I am the XXXX and XXXX  of XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, " XXXX XXXX ''. XXXX XXXXXXXX XXXX XXXX XXXX # XXXX have a Us bank business Account # XXXX, Routing # XXXX with an account balance of {$110000.00}. XXXX XXXX XXXX XXXX Us Bank business account are being partially closed by the Us bank manager at the XXXX, California Branch with no merit. I am a XXXXXXXX XXXX XXXX XXXX trying to develop a Economic system to work for me and my associate family. However, I believe Us bank are trying to derail my business, XXXX XXXX XXXX XXXX. I believe this Unfair business practice, Deceptive Trade Practice, and Unfair Competitive actions are raise against my XXXX XXXX business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California. I also believe Us bank Corporation are discriminating against XXXX XXXXXXXX XXXX XXXX, and all our Board of Directors from within aiming to stop are XXXXXXXX XXXX business growth and expansion.
Complaint sub-issue: Debt is not mine

The debt is for the alleged " rental '' of a wheelchair for my son. 

My son ( then XXXX years-old ) was visiting my sister in XXXX, CA when he fell and XXXX He was taken to the emergency room where he was treated and discharged with a wheelchair. 

My son was insured and I was contacted by an agency with the wheelchair - XXXX XXXX XXXX. The agency said that they thought the insurance co would cover the cost {$210.00} +or-. 
I also provided my credit card number to pay for it in case it was not covered. 

Months went by and I did not hear from anyone regarding the wheelchair. Nor did I receive a statement or status. 
Now XXXX is trying to make my son, who just made XXXX and is XXXX with a XXXX, pay for some " rental '' of the wheelchair that is now {$670.00}. 

My son was a minor at the time this happened and there is no way they can charge him personally for anything. That is the craziest thing I 've ever heard! He is also XXXX, and on SSI and there is NO way I will let this predatory behavior continue or affect his ability to have a decent financial future. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX/XXXX XXXX, U S DEPT OF ED/XXXXXXXX XXXX, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My complaint is about XXXX XXXX XXXX card service, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my Equifax file by XXXX XXXX XXXX XXXX  on XX/XX/2019. Please remove immediately. XXXX  - Card Service Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.