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

I am currently set up on an income sensitive repayment plan and have  XXXX  different loans with Nelnet.  XXXX  of my loans have monthly payment amounts that do n't even fully cover my interest which essentially make it impossible to payoff the debt.  <P/> My current payment plan is supposed to consist of making principal and interest payments so I think it should be illegal for them to purpose a payment plan that is not sufficient.  <P/> Here is a current example of what I am referring to. The balance due on  XXXX  of my loans is {$2700.00}, the interest rates 6.8 % which makes the daily interest {$0.00} per day. So 30 days of interest would be {$15.00} a month. My monthly payment for that particular loan is {$14.00}. That means that every month I am having {$1.00} added back onto my loan in unpaid interest.  <P/> I know the CFPB governs banks and makes them explain things to customers so I do n't know why student loan companies are n't required to do the same. I think they should be required to provide some sort of educational component like credit cards do now that outlines how much interest you will pay by only making the minimum payment and then give you an example of how much interest you would save by making additional payments.  <P/> My loans were disbursed between   XX/XX/XXXX  and  XX/XX/XXXX  a nd I have been paying on them since  XX/XX/XXXX . The interest rates on most of them are 2.32 % and I have a few that are 6.8 %. The total of my loans came to {$17000.00} and over the course of my payments I have paid {$13000.00} and only {$7200.00} of that has been applied to my principal balance. The remaining {$6300.00} has all been applied to interest ( with the exception of {$13.00} in f ees ).   <P/> I am also curious to know who monitors how these companies apply their payments and exactly how they are allocated.  <P/> The statements they send do not show that detailed information and online it just shows a total of how much was paid in interest and how much in principal.  <P/> I have no clue what this company is doing with my monthly payments. I have always paid more than my minimum monthly payment each time I have been set up in a payment plan.
Complaint sub-issue: Information belongs to someone else

remove the ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same as XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I have sent three debt validation letters and they respond with a copy of a bill. They were all sent certified mail. The mailing dates were XX/XX/2018, XX/XX/2018 and XX/XX/2018. They are claiming I have a balance of {$740.00}. I do not own this debt and would like to file a complaint.
Complaint sub-issue: Debt is not mine

Collection under a person with similar but different name was requested under my name. I have received the original invoice from the collection company ( Enhanced Recovery Company , LLC ) to confirm that this collection is forwarded to the wrong person. I have requested to dispute the collection company as well as XXXX on early XXXX 2015, however, no action is taken.
Complaint sub-issue: Account status incorrect

XXXX This account has never been late. 

In XXXX of 2020 according to Equifax and XXXX it is showing I am late in that month. 

This account has never been late and as per " special agreement '' due to Covid 19 it should not be reporting as late. 

Please, it would be most appreciated for my account to be accurate and to have this error corrected. 

Warmest regards, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reached out to Equifax on XX/XX/2021, and requested that they remove the inquiries on my account because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove those inquiries. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that Equifax was in violation of a United States Code and was told that I needed to contact the individual companies to request removal.

Equifax is in violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports
Complaint sub-issue: Problem getting report or credit score

EVERYTIME THAT I TRY TO GET MY FREE CREDIT REPORT AND IT ASKING ME QUESTIONS THAT IS ON MY CREDIT THAT I HAVE NOT HAD MY HANDS IN INCLUDING ACCOUNTS AND LOANS.
Complaint sub-issue: Banking errors

Please note that the selections available for describing my problem on the previous page were limited and no not accurately represent my issue. 

Earlier this month my identity was compromised. This thief has just about all my information and has opened credit cards and accounts credit unions in my name. I received a call from PNC on XX/XX/18 notifying me that there was man calling saying he was me and asking to change my address and attempt to open credit cards. I confirmed that this was fraudulent and the representative at PNC ensured me that the underwriting department has 1 ) stopped the credit card attempts before they would go through, and 2 ) inform the credit unions that my identity had been compromised and that I needed a fraud alert put in place. Today I learned that no fraud alert was put through to the credit unions by PNC and that a credit card was successfully opened. 

Since then, multiple credit cards have been attempted to be opened in my name. I believe one was attempt was successful but I am unable to find out what company the credit card was opened with because I cant access my credit report because the thief has created accounts with the credit unions and virtually locked me out.
Complaint sub-issue: Problem with personal statement of dispute

Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

There is an unauthorized charge on my credit card XX/XX/2019 of {$55.00} from XXXX XXXX XXXX XXXX XXXX PA This merchant did not provide any service, a dispute was open in XX/XX/2019 and a credit was applied on my credit card a letter was issued by Citi bank. The amount was then debited again on XX/XX/2019. On XX/XX/2019 a representative from the dispute department stated that they did not understand the nature of the first dispute and there was no documnetation on file from the merchant and did not offer to credit my account back. 

As I mention we did not receive any goods or services including any card holders or family members from the above merchant, Prior to XX/XX/XXXX I was informed by Citi that the dispute was resolved in my favor.
Complaint sub-issue: Information belongs to someone else

My car was stolen back in 2021 I filed police report and I had my wallet bag and laptop in the car with my personal information inside also there was a security breach with equal equafax
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted a detailed claim via CFPB complaint center with irrefutable evidence that XXXX has been reporting inaccurate information on my credit report. 

XXXX explained in their response that they are OBLIGATED to ensure INTEGRITY and ACCURACY, but continue to report information that is CLEARLY inaccurate. They have been violating my rights as a consumer for years by posting inaccurate information on my credit report and they need to remove this account promptly. 

XXXX stated that they did a thorough review of the account and that the information is ACCURATE, but the documents that I have attached in my complaint contradicts that statement. If a thorough review was conducted, XXXX would have noticed the errors in the payment history, but they didn't. So how was a thorough review conducted? 

If the information is accurate, how is this account reported to have been on time from XXXX to XXXX, then late ( 90 days ) the following month in XXXX? You reported that this account was 120 days late from XX/XX/XXXX to XX/XX/XXXX. That doesn't make sense and from my understanding, FEDERAL STUDENT LOANS are considered to be in default if a debtor doesn't make their scheduled student loan payments for at least 270 days. This account displays that it was 120 days late.
Complaint sub-issue: Problem getting report or credit score

Good Morning, For the past month I have been working solely with Equifax to try and rectify an issue with my credit report being frozen, locked, or blocked. I am in the preliminary steps of of purchasing a home and I have been held up for months now because my lender is unable to access my Equifax report. She is able to access XXXX and XXXX but continues to state that Equifax is locked or frozen. Equifax has been extremely unresponsive and unprofessional with this matter. I have spent myriad hours on the phone with them to no avail. 

I ask that you please contact Equifax and remove ALL freezes/ locks/ blocks on my account and please notify me when you have completed this. I am glad that this resource is available because it has been extremely frustrating trying to resolve this with Equifax.
Complaint sub-issue: Didn't receive enough information to verify debt

Account showed up on credit report. No prior communication received. Asked company to validate debt. All they provided was a balance with no invoice stating where balance came from and a copy of a lease. Did not receive anything stating company’s right to collect this unverified debt. Credit score is harmed by invalidated debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive been trying to dispute an item on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to consider the possibility of litigation.If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 


XXXXXXXX XXXX  XXXX Late Date XX/XX/21
Complaint sub-issue: Inadequate help over the phone

We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Equifax. So the debt was paid in full. But Equifax still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as paid.
Complaint sub-issue: Debt is not mine

They continue to report that my loans are delinquent when I consolidated my loans and I am currently in school so I am not supposed to pay due to an in-school deferment. They refuse to remove item.
Complaint sub-issue: Trouble with how payments are being handled

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Complaint sub-issue: Threatened or suggested your credit would be damaged

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against IC System , Inc., for committing identity theft. I have never given IC System , Inc., any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with IC System , Inc. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving IC System , Inc. any right to collect on this alleged debt. 
I have never received any documentation requesting validation from IC System , Inc., before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If IC System , Inc., can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IC System, Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IC System , Inc., continues its collection efforts, I will file for litigation for actual damages caused and IC System , Inc., will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, Dept. Of Education Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my rights.

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 604 ( A ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am currently in the process of trying to purchase a home. The home I am currently renting is being sold. I am under contract, but there is an error on my credit report from Key Bank that is making me ineligible for financing. I have been diligently contacting Key Bank since XX/XX/XXXX to clarify this error. They seem unable to come to a conclusion based on their own records. Please see below for a timeline : 1. Account charged off by Key Bank in XXXX of XXXX. 
2. Evidence of mortgage satisfaction provided shows XXXX released by Key Bank in XXXX of XXXX. ( Provided to XXXX from Key Bank ) 3. XXXX XXXX XXXX ( The collection company hired by Key Bank XXXX provides a payoff/balance letter to XXXX XXXX XXXX on XX/XX/XXXX, showing a balance of {$5500.00}. This payoff was provided because XXXX sold the property to XXXX XXXX XXXX for what was still owed on the charge off. ) 4. XXXX XXXX Settlement occurs on the sale of the property located at XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. HUD sheet shows disbursement to XXXX XXXX XXXX in the amount of {$5500.00}. Which is the balance Key Bank reported to XXXX as being charged off. 
5. XXXX credit report shows that Creditor Settled For Less Than Amount Due. THIS IS INACCURATE BASED ON THE INFORMATION KEY BANK PROVIDED TO XXXX XXXX XXXX, and is currently keeping XXXX from obtaining a mortgage. 

Again, I have been in contact with various departments within Key Bank almost daily since XX/XX/XXXX. Many of those times, my loan officer is with me to help me understand the convoluted answers they have been giving me... which are not answers at all. 

1. They initially stated that they couldn't prove the collection company had send them the funds to payoff the account, and that is why they reported to the credit bureau that they settled for less. 
2. They now tell me that they sent me a check in XXXX of XXXX for {$3300.00} and change, which was cashed. I do not have any record of receiving said check. In addition, why would they send me a check for {$3300.00} if the had " settled for less than what was owed ''? 
XXXX. Instead of fixing their error, so that I can complete the purchase of a home, they now say this needs to go to their fraud department. This further extends my inability to provide a home for myself. 

I need help. They don't seem to care or want to solve the problem. I don't understand how they do not have a complete record of events within their own organization. Each time I talk to someone, they tell me they need another 48 hours ... that they are waiting to hear back from " this '' department or " that '' department. I am OUT OF TIME! And over a month should be long enough for a financial institution to follow their own paper trail. 

Employees of Key Bank that I have been in contact with : XXXX XXXX XXXX Senior XXXXXXXX XXXX XXXX XXXX  Team XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Office : XXXX XXXX XXXX XXXX No last name given or email communication. Only over the phone. ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX My case number is : XXXX My contact phone number is : XXXX
Complaint sub-issue: Account status incorrect

I have reached out to the bureaus in regards to this problem multiple of times about the vehicle that is not associated with, I had to recently file bankruptcy due to it, I also have documentation from the company itself stating we have no association and that they have reported to bureaus to remove the inaccuracy from my credit reports. I want this item deleted immediately I am tired of dealing with this same issues and not getting any positive result.
Complaint sub-issue: Didn't receive notice of right to dispute

I have two collections on my credit report from this company that are both for medical bills and are both under {$500.00} ( one for {$460.00} and one for {$260.00} ). They are from Americollect and there is no phone number anywhere to reach them. I have written letters and have not received a response.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be updated promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

Equifax I have sent them documentation of police reports, federal document, dark wed usage of my personal information that has been going on sense XX/XX/2006. I requested many times that Eqifax validate to me a copy of an actual signed contract with my signature on it for XXXX XXXX. XXXX has refused to respond to my letters and faxs SO HOW CAN YOU EQUIFAX VALIDATE IT.XXXX XXXX is not a real investigation .I request actual signed contract sent to me I do not owe anything on this debt because I paid it to get if off my credit report Even tho it was not mine you are violating my rights by not sending your investigation to me or removing this from report .it is reported to the FTC also Equifax you say if I have any questions contact Vz enclosed is my tring to contact them NO LUCK that mean you didn't also
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 and today XX/XX/2020 I tried to submit a compaint to XXXX online and also tried to contact the other 2 credit reporting agency 's. XXXX will not allow me online to view my report. I am submitting this complaint about XXXX XXXX XXXX XXXX. They reported that this account is delinquent. It is not delinquent. I have had many problems and issues with this card in regards to fraud that was done on the card months ago. I have spent numerous hours and days on the phone with them trying to resolve this dispute. I was constantly transferred back and forth from customer service to the fraud dept to investigations dept back to customer service etc. This has been an ongoing issue. However this card is NOT delinquent! I am upset at the fact that they reported this to the credit reporting agency 's and now my score dropped a huge amount. There is still a discrenpency with {$510.00} with this card that is still not corrected. This card has interest free till XXXX of XXXX. I expect to have the balance ( correct balance ) paid off before then so I do not have interest put on the whole balance. I am submitting this complaint for 2 reasons. My balance is wrong and I want that delinquent remark that was sent to the credit reporting agency 's corrected and removed.
Complaint sub-issue: Reporting company used your report improperly

This DISCOVER Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.